Home > Marquette Farmers State Bank of Marquette > Performance and Condition Ratios
Marquette Farmers State Bank of Marquette, 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 | 3.8933% | 4,090 |
| Cost of funding earning assets | 1.1179% | 3,019 |
| Net interest margin | 2.7754% | 3,707 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.4961% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2961% | 4,030 |
| Return on assets (ROA) | 0.3852% | 3,893 |
| Pretax return on assets | 0.3852% | 3,984 |
| Return on Equity (ROE) | 2.7800% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.5473% | 3,427 |
| Net charge-offs to loans | -0.1367% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.3957% | 433 |
| Assets per employee ($millions) | 5.2335% | 3,445 |
| Cash dividends to net income (ytd only)* | 8.2645% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3624% | 52 |
| Loan loss allowance to noncurrent loans | 857.6271% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 1,644 |
| Noncurrent loans to loans | 0.5087% | 1,511 |
| Net loans and leases to total assets | 35.3300% | 4,174 |
| Net loans and leases to deposits | 42.5982% | 4,141 |
| Net loans and leases to core deposits | 48.6770% | 4,107 |
| Total domestic deposits to total assets | 82.9300% | 2,908 |
| Equity capital to assets | 14.7065% | 580 |
| Core capital (leverage) ratio | 17.6596% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $31,408,800 | 4,455 |
| Average earning assets | $28,356,400 | 4,428 |
| Average equity | $4,357,600 | 4,320 |
| Average total loans | $11,707,000 | 4,399 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 4,115 |
| Cost of funding earning assets | 1.0032% | 3,028 |
| Net interest margin | 2.7976% | 3,725 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.4917% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3268% | 4,088 |
| Return on assets (ROA) | 0.3905% | 3,977 |
| Pretax return on assets | 0.3905% | 4,077 |
| Return on Equity (ROE) | 2.8600% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.5470% | 3,624 |
| Net charge-offs to loans | -0.2159% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.4036% | 429 |
| Assets per employee ($millions) | 5.2732% | 3,372 |
| Cash dividends to net income (ytd only)* | 10.8696% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2726% | 49 |
| Loan loss allowance to noncurrent loans | 598.8235% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,424 |
| Noncurrent loans to loans | 0.7135% | 1,159 |
| Net loans and leases to total assets | 36.0400% | 4,183 |
| Net loans and leases to deposits | 42.7532% | 4,139 |
| Net loans and leases to core deposits | 48.6540% | 4,072 |
| Total domestic deposits to total assets | 84.3100% | 2,683 |
| Equity capital to assets | 13.3380% | 755 |
| Core capital (leverage) ratio | 17.6379% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $31,410,750 | 4,477 |
| Average earning assets | $28,309,250 | 4,452 |
| Average equity | $4,292,500 | 4,333 |
| Average total loans | $11,734,000 | 4,418 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,178 |
| Cost of funding earning assets | 0.8271% | 3,140 |
| Net interest margin | 2.8419% | 3,749 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.4829% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4085% | 3,992 |
| Return on assets (ROA) | 0.4979% | 3,817 |
| Pretax return on assets | 0.4915% | 3,978 |
| Return on Equity (ROE) | 3.6100% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.1506% | 3,434 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.0619% | 491 |
| Assets per employee ($millions) | 5.2640% | 3,351 |
| Cash dividends to net income (ytd only)* | 12.8205% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8137% | 67 |
| Loan loss allowance to noncurrent loans | 959.1837% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 1,766 |
| Noncurrent loans to loans | 0.3976% | 1,739 |
| Net loans and leases to total assets | 37.5300% | 4,134 |
| Net loans and leases to deposits | 44.7862% | 4,075 |
| Net loans and leases to core deposits | 50.4147% | 4,007 |
| Total domestic deposits to total assets | 83.8000% | 2,872 |
| Equity capital to assets | 13.8520% | 665 |
| Core capital (leverage) ratio | 17.9932% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $31,334,667 | 4,501 |
| Average earning assets | $28,290,667 | 4,481 |
| Average equity | $4,316,667 | 4,360 |
| Average total loans | $11,674,333 | 4,442 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 3,947 |
| Cost of funding earning assets | 0.6416% | 3,257 |
| Net interest margin | 3.1080% | 3,328 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4978% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5408% | 3,811 |
| Return on assets (ROA) | 0.6438% | 3,561 |
| Pretax return on assets | 0.6438% | 3,768 |
| Return on Equity (ROE) | 4.8200% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.8545% | 3,307 |
| Net charge-offs to loans | -0.1410% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.2034% | 694 |
| Assets per employee ($millions) | 5.1922% | 3,510 |
| Cash dividends to net income (ytd only)* | 20.0000% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2756% | 55 |
| Loan loss allowance to noncurrent loans | 1,008.1633% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,694 |
| Noncurrent loans to loans | 0.4241% | 1,669 |
| Net loans and leases to total assets | 35.5000% | 4,209 |
| Net loans and leases to deposits | 41.2056% | 4,192 |
| Net loans and leases to core deposits | 44.6274% | 4,155 |
| Total domestic deposits to total assets | 86.1600% | 2,542 |
| Equity capital to assets | 13.5942% | 654 |
| Core capital (leverage) ratio | 17.2102% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $31,067,000 | 4,567 |
| Average earning assets | $28,056,500 | 4,549 |
| Average equity | $4,151,000 | 4,440 |
| Average total loans | $11,349,500 | 4,514 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1751% | 3,863 |
| Cost of funding earning assets | 0.3015% | 2,862 |
| Net interest margin | 2.8736% | 3,745 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.3718% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4712% | 4,134 |
| Return on assets (ROA) | 0.4813% | 4,077 |
| Pretax return on assets | 0.6040% | 4,020 |
| Return on Equity (ROE) | 3.5700% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.5653% | 3,549 |
| Net charge-offs to loans | -0.2927% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.0425% | 716 |
| Assets per employee ($millions) | 6.1962% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3966% | 52 |
| Loan loss allowance to noncurrent loans | 980.0000% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 1,667 |
| Noncurrent loans to loans | 0.4486% | 1,587 |
| Net loans and leases to total assets | 34.3900% | 4,272 |
| Net loans and leases to deposits | 39.6568% | 4,254 |
| Net loans and leases to core deposits | 42.0050% | 4,230 |
| Total domestic deposits to total assets | 86.7200% | 2,489 |
| Equity capital to assets | 13.1274% | 679 |
| Core capital (leverage) ratio | 17.1667% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $31,790,400 | 4,598 |
| Average earning assets | $28,188,000 | 4,578 |
| Average equity | $4,291,400 | 4,499 |
| Average total loans | $11,615,800 | 4,535 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0785% | 3,722 |
| Cost of funding earning assets | 0.2923% | 2,253 |
| Net interest margin | 2.7862% | 3,766 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.2129% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3885% | 4,258 |
| Return on assets (ROA) | 0.3917% | 4,201 |
| Pretax return on assets | 0.5376% | 4,091 |
| Return on Equity (ROE) | 2.8800% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.8828% | 3,802 |
| Net charge-offs to loans | -0.3295% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5766% | 736 |
| Assets per employee ($millions) | 6.1728% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1520% | 62 |
| Loan loss allowance to noncurrent loans | 950.9804% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 657 |
| Noncurrent loans to loans | 0.4366% | 1,717 |
| Net loans and leases to total assets | 36.2800% | 4,214 |
| Net loans and leases to deposits | 41.5544% | 4,190 |
| Net loans and leases to core deposits | 44.0077% | 4,172 |
| Total domestic deposits to total assets | 87.3000% | 2,666 |
| Equity capital to assets | 12.4773% | 774 |
| Core capital (leverage) ratio | 16.1559% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $31,992,750 | 4,630 |
| Average earning assets | $28,281,500 | 4,610 |
| Average equity | $4,347,500 | 4,537 |
| Average total loans | $11,733,500 | 4,568 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9426% | 3,694 |
| Cost of funding earning assets | 0.2662% | 2,068 |
| Net interest margin | 2.6764% | 3,752 |
| Noninterest income to average assets | 0.3584% | 3,001 |
| Noninterest expense to average assets | 2.2244% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3854% | 4,136 |
| Return on assets (ROA) | 0.3707% | 4,123 |
| Pretax return on assets | 0.4758% | 4,038 |
| Return on Equity (ROE) | 2.6590% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.6590% | 3,560 |
| Net charge-offs to loans | -0.1532% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 818 |
| Assets per employee ($millions) | 6.4732% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0038% | 68 |
| Loan loss allowance to noncurrent loans | 505.4348% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 605 |
| Noncurrent loans to loans | 0.7921% | 1,083 |
| Net loans and leases to total assets | 34.4466% | 4,311 |
| Net loans and leases to deposits | 39.5397% | 4,283 |
| Net loans and leases to core deposits | 41.7581% | 4,269 |
| Total domestic deposits to total assets | 87.1192% | 2,895 |
| Equity capital to assets | 12.6954% | 722 |
| Core capital (leverage) ratio | 15.7363% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,369,000 | 4,661 |
| Average earning assets | $28,546,000 | 4,661 |
| Average equity | $4,513,000 | 4,569 |
| Average total loans | $11,751,000 | 4,633 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8994% | 3,538 |
| Cost of funding earning assets | 0.2661% | 1,963 |
| Net interest margin | 2.6332% | 3,575 |
| Noninterest income to average assets | 0.3954% | 2,719 |
| Noninterest expense to average assets | 2.3478% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3707% | 4,020 |
| Return on assets (ROA) | 0.3707% | 3,982 |
| Pretax return on assets | 0.3707% | 4,083 |
| Return on Equity (ROE) | 2.5451% | 4,177 |
| Retained earnings to average equity (ytd only) | 2.5451% | 3,401 |
| Net charge-offs to loans | -0.1015% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 720 |
| Assets per employee ($millions) | 5.4243% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9097% | 77 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.2720% | 329 |
| Noncurrent loans to loans | 1.0136% | 897 |
| Net loans and leases to total assets | 34.6617% | 4,277 |
| Net loans and leases to deposits | 40.2246% | 4,239 |
| Net loans and leases to core deposits | 42.4944% | 4,220 |
| Total domestic deposits to total assets | 86.1703% | 3,206 |
| Equity capital to assets | 13.6975% | 573 |
| Core capital (leverage) ratio | 15.1325% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,370,500 | 4,690 |
| Average earning assets | $28,558,000 | 4,688 |
| Average equity | $4,715,000 | 4,590 |
| Average total loans | $11,819,500 | 4,658 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 2,047 |
| Cost of funding earning assets | 0.3927% | 1,597 |
| Net interest margin | 3.3306% | 2,235 |
| Noninterest income to average assets | 0.1439% | 4,437 |
| Noninterest expense to average assets | 2.3436% | 2,676 |
| Loan and lease loss provision to assets | 0.1279% | 955 |
| Net operating income to assets | 0.5307% | 4,019 |
| Return on assets (ROA) | 0.5307% | 4,067 |
| Pretax return on assets | 0.5467% | 4,183 |
| Return on Equity (ROE) | 3.3371% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.1361% | 3,575 |
| Net charge-offs to loans | -0.1892% | 4,698 |
| Credit loss provision to net charge-offs | -160.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6483% | 978 |
| Assets per employee ($millions) | 5.3658% | 3,398 |
| Cash dividends to net income (ytd only)* | 6.0241% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8323% | 74 |
| Loan loss allowance to noncurrent loans | 325.7143% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 331 |
| Noncurrent loans to loans | 1.1766% | 819 |
| Net loans and leases to total assets | 35.5428% | 4,310 |
| Net loans and leases to deposits | 42.3063% | 4,262 |
| Net loans and leases to core deposits | 46.2549% | 4,174 |
| Total domestic deposits to total assets | 84.0130% | 3,560 |
| Equity capital to assets | 15.4434% | 440 |
| Core capital (leverage) ratio | 15.6897% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,277,200 | 4,736 |
| Average earning assets | $26,992,400 | 4,731 |
| Average equity | $4,974,400 | 4,634 |
| Average total loans | $13,211,200 | 4,679 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 1,652 |
| Cost of funding earning assets | 0.4156% | 1,578 |
| Net interest margin | 3.5299% | 1,787 |
| Noninterest income to average assets | 0.1417% | 4,489 |
| Noninterest expense to average assets | 2.3920% | 2,462 |
| Loan and lease loss provision to assets | 0.1707% | 637 |
| Net operating income to assets | 0.5883% | 4,021 |
| Return on assets (ROA) | 0.5883% | 4,069 |
| Pretax return on assets | 0.6055% | 4,224 |
| Return on Equity (ROE) | 3.6716% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.4036% | 3,767 |
| Net charge-offs to loans | 0.3151% | 248 |
| Credit loss provision to net charge-offs | 125.0000% | 1,440 |
| Earnings coverage of net charge-offs (x) | 5.6563% | 2,217 |
| Efficiency ratio | 75.4743% | 1,078 |
| Assets per employee ($millions) | 5.2678% | 3,431 |
| Cash dividends to net income (ytd only)* | 7.2993% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8809% | 176 |
| Loan loss allowance to noncurrent loans | 98.7624% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.2115% | 153 |
| Noncurrent loans to loans | 2.9170% | 233 |
| Net loans and leases to total assets | 42.5570% | 4,057 |
| Net loans and leases to deposits | 50.9894% | 3,954 |
| Net loans and leases to core deposits | 55.8782% | 3,781 |
| Total domestic deposits to total assets | 83.4625% | 3,588 |
| Equity capital to assets | 15.7687% | 441 |
| Core capital (leverage) ratio | 15.6586% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,047,750 | 4,808 |
| Average earning assets | $26,628,750 | 4,804 |
| Average equity | $4,975,000 | 4,701 |
| Average total loans | $13,539,250 | 4,745 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 1,198 |
| Cost of funding earning assets | 0.4424% | 1,578 |
| Net interest margin | 3.7524% | 1,214 |
| Noninterest income to average assets | 0.1750% | 4,329 |
| Noninterest expense to average assets | 2.3395% | 2,647 |
| Loan and lease loss provision to assets | 0.2592% | 373 |
| Net operating income to assets | 0.7453% | 3,652 |
| Return on assets (ROA) | 0.7453% | 3,718 |
| Pretax return on assets | 0.7647% | 3,934 |
| Return on Equity (ROE) | 4.6259% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.2237% | 3,448 |
| Net charge-offs to loans | 0.5210% | 150 |
| Credit loss provision to net charge-offs | 114.2857% | 1,289 |
| Earnings coverage of net charge-offs (x) | 4.5143% | 2,028 |
| Efficiency ratio | 69.5568% | 1,695 |
| Assets per employee ($millions) | 5.2635% | 3,395 |
| Cash dividends to net income (ytd only)* | 8.6957% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8274% | 184 |
| Loan loss allowance to noncurrent loans | 63.5634% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9860% | 94 |
| Noncurrent loans to loans | 4.4481% | 109 |
| Net loans and leases to total assets | 43.0955% | 4,104 |
| Net loans and leases to deposits | 51.7176% | 4,013 |
| Net loans and leases to core deposits | 56.6729% | 3,847 |
| Total domestic deposits to total assets | 83.3286% | 3,631 |
| Equity capital to assets | 15.8355% | 428 |
| Core capital (leverage) ratio | 15.7590% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,861,333 | 4,842 |
| Average earning assets | $26,223,333 | 4,838 |
| Average equity | $4,972,000 | 4,731 |
| Average total loans | $13,435,667 | 4,778 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 351 |
| Cost of funding earning assets | 0.4864% | 1,478 |
| Net interest margin | 4.5190% | 343 |
| Noninterest income to average assets | 0.2098% | 4,126 |
| Noninterest expense to average assets | 2.3868% | 2,536 |
| Loan and lease loss provision to assets | 0.5246% | 120 |
| Net operating income to assets | 1.0754% | 2,551 |
| Return on assets (ROA) | 1.0754% | 2,638 |
| Pretax return on assets | 1.0754% | 3,177 |
| Return on Equity (ROE) | 6.6162% | 3,699 |
| Retained earnings to average equity (ytd only) | 5.8094% | 2,958 |
| Net charge-offs to loans | 1.1254% | 66 |
| Credit loss provision to net charge-offs | 108.1081% | 1,074 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 1,770 |
| Efficiency ratio | 59.8684% | 3,050 |
| Assets per employee ($millions) | 5.1917% | 3,441 |
| Cash dividends to net income (ytd only)* | 12.1951% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9476% | 156 |
| Loan loss allowance to noncurrent loans | 58.8060% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 3.1750% | 91 |
| Noncurrent loans to loans | 5.0123% | 79 |
| Net loans and leases to total assets | 41.6469% | 4,256 |
| Net loans and leases to deposits | 49.8981% | 4,162 |
| Net loans and leases to core deposits | 54.7384% | 4,063 |
| Total domestic deposits to total assets | 83.4639% | 3,576 |
| Equity capital to assets | 15.8299% | 408 |
| Core capital (leverage) ratio | 16.1516% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,501,500 | 4,869 |
| Average earning assets | $25,492,500 | 4,869 |
| Average equity | $4,957,500 | 4,749 |
| Average total loans | $13,150,500 | 4,812 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 2,903 |
| Cost of funding earning assets | 0.6685% | 1,883 |
| Net interest margin | 3.2703% | 3,157 |
| Noninterest income to average assets | 0.3150% | 3,580 |
| Noninterest expense to average assets | 2.7569% | 2,047 |
| Loan and lease loss provision to assets | 0.3387% | 1,036 |
| Net operating income to assets | 0.1355% | 4,642 |
| Return on assets (ROA) | 0.6706% | 3,646 |
| Pretax return on assets | 0.6706% | 3,943 |
| Return on Equity (ROE) | 3.9554% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.7556% | 2,948 |
| Net charge-offs to loans | 0.9057% | 151 |
| Credit loss provision to net charge-offs | 74.0741% | 3,025 |
| Earnings coverage of net charge-offs (x) | 1.0370% | 3,288 |
| Efficiency ratio | 85.3249% | 556 |
| Assets per employee ($millions) | 4.9905% | 3,403 |
| Cash dividends to net income (ytd only)* | 5.0505% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 337 |
| Loan loss allowance to noncurrent loans | 15.6526% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 7.4876% | 13 |
| Noncurrent loans to loans | 14.8678% | 7 |
| Net loans and leases to total assets | 42.1902% | 4,343 |
| Net loans and leases to deposits | 51.4289% | 4,248 |
| Net loans and leases to core deposits | 56.7138% | 4,118 |
| Total domestic deposits to total assets | 82.0359% | 3,652 |
| Equity capital to assets | 16.9455% | 340 |
| Core capital (leverage) ratio | 15.8735% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,525,600 | 4,880 |
| Average earning assets | $26,328,200 | 4,873 |
| Average equity | $5,005,800 | 4,753 |
| Average total loans | $14,906,400 | 4,808 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 2,767 |
| Cost of funding earning assets | 0.6878% | 2,099 |
| Net interest margin | 3.3792% | 2,981 |
| Noninterest income to average assets | 0.3852% | 3,159 |
| Noninterest expense to average assets | 2.8459% | 1,831 |
| Loan and lease loss provision to assets | 0.4521% | 712 |
| Net operating income to assets | 0.1586% | 4,645 |
| Return on assets (ROA) | 1.1057% | 2,087 |
| Pretax return on assets | 1.1057% | 2,727 |
| Return on Equity (ROE) | 6.5212% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.2539% | 1,993 |
| Net charge-offs to loans | -0.0606% | 4,720 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3067% | 718 |
| Assets per employee ($millions) | 5.0097% | 3,241 |
| Cash dividends to net income (ytd only)* | 4.0984% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9243% | 150 |
| Loan loss allowance to noncurrent loans | 30.1771% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 5.4428% | 48 |
| Noncurrent loans to loans | 9.6904% | 27 |
| Net loans and leases to total assets | 48.9254% | 4,163 |
| Net loans and leases to deposits | 59.7368% | 4,073 |
| Net loans and leases to core deposits | 65.8517% | 3,898 |
| Total domestic deposits to total assets | 81.9017% | 3,446 |
| Equity capital to assets | 17.0637% | 366 |
| Core capital (leverage) ratio | 16.4079% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,421,250 | 4,909 |
| Average earning assets | $26,751,000 | 4,898 |
| Average equity | $4,988,750 | 4,779 |
| Average total loans | $15,399,500 | 4,830 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,744 |
| Cost of funding earning assets | 0.7082% | 2,336 |
| Net interest margin | 3.4963% | 2,798 |
| Noninterest income to average assets | 0.5409% | 2,389 |
| Noninterest expense to average assets | 3.0470% | 1,472 |
| Loan and lease loss provision to assets | 0.6847% | 413 |
| Net operating income to assets | 0.0205% | 4,764 |
| Return on assets (ROA) | 0.0753% | 4,738 |
| Pretax return on assets | 0.0753% | 4,741 |
| Return on Equity (ROE) | 0.4452% | 4,753 |
| Retained earnings to average equity (ytd only) | 0.0405% | 4,298 |
| Net charge-offs to loans | -0.0258% | 4,489 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2044% | 802 |
| Assets per employee ($millions) | 4.2931% | 4,007 |
| Cash dividends to net income (ytd only)* | 90.9091% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7381% | 177 |
| Loan loss allowance to noncurrent loans | 27.5884% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 5.8299% | 43 |
| Noncurrent loans to loans | 9.9248% | 27 |
| Net loans and leases to total assets | 51.6538% | 4,051 |
| Net loans and leases to deposits | 62.9073% | 3,956 |
| Net loans and leases to core deposits | 67.7594% | 3,874 |
| Total domestic deposits to total assets | 82.1110% | 3,339 |
| Equity capital to assets | 16.8874% | 385 |
| Core capital (leverage) ratio | 16.7852% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,209,000 | 4,938 |
| Average earning assets | $26,828,333 | 4,928 |
| Average equity | $4,942,000 | 4,809 |
| Average total loans | $15,483,000 | 4,857 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,630 |
| Cost of funding earning assets | 0.7572% | 2,623 |
| Net interest margin | 3.3012% | 3,590 |
| Noninterest income to average assets | 1.0699% | 741 |
| Noninterest expense to average assets | 2.9596% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0977% | 1,851 |
| Return on assets (ROA) | 1.0977% | 1,951 |
| Pretax return on assets | 1.1394% | 2,396 |
| Return on Equity (ROE) | 6.4814% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.6610% | 2,010 |
| Net charge-offs to loans | -0.0262% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2034% | 2,050 |
| Assets per employee ($millions) | 4.0836% | 3,809 |
| Cash dividends to net income (ytd only)* | 12.6582% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2446% | 354 |
| Loan loss allowance to noncurrent loans | 27.8974% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 5.0831% | 66 |
| Noncurrent loans to loans | 8.0458% | 44 |
| Net loans and leases to total assets | 51.3451% | 4,159 |
| Net loans and leases to deposits | 63.0103% | 4,034 |
| Net loans and leases to core deposits | 68.1827% | 3,978 |
| Total domestic deposits to total assets | 81.4868% | 3,547 |
| Equity capital to assets | 17.5896% | 388 |
| Core capital (leverage) ratio | 17.3559% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1744% | 279 |
| Memoranda: | ||
| Average total assets | $28,787,500 | 4,988 |
| Average earning assets | $26,414,500 | 4,974 |
| Average equity | $4,875,500 | 4,853 |
| Average total loans | $15,244,500 | 4,896 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,912 |
| Cost of funding earning assets | 0.8402% | 2,488 |
| Net interest margin | 3.3166% | 3,954 |
| Noninterest income to average assets | 0.1670% | 4,654 |
| Noninterest expense to average assets | 2.8799% | 2,349 |
| Loan and lease loss provision to assets | 0.1397% | 1,524 |
| Net operating income to assets | 0.2284% | 4,821 |
| Return on assets (ROA) | 0.3238% | 4,743 |
| Pretax return on assets | 0.3238% | 4,798 |
| Return on Equity (ROE) | 2.0317% | 4,795 |
| Retained earnings to average equity (ytd only) | 1.8178% | 4,074 |
| Net charge-offs to loans | 0.2582% | 801 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 2.6341% | 3,395 |
| Efficiency ratio | 88.6674% | 410 |
| Assets per employee ($millions) | 4.1414% | 3,708 |
| Cash dividends to net income (ytd only)* | 10.5263% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3022% | 96 |
| Loan loss allowance to noncurrent loans | 43.8879% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 5.4950% | 40 |
| Noncurrent loans to loans | 7.5243% | 41 |
| Net loans and leases to total assets | 52.2215% | 4,211 |
| Net loans and leases to deposits | 62.9899% | 4,136 |
| Net loans and leases to core deposits | 73.4546% | 3,763 |
| Total domestic deposits to total assets | 82.9044% | 3,229 |
| Equity capital to assets | 16.2918% | 554 |
| Core capital (leverage) ratio | 15.9173% | 534 |
| Tier 1 risk-based capital ratio | 26.1427% | 666 |
| Total risk-based capital ratio | 27.4126% | 652 |
| Memoranda: | ||
| Average total assets | $29,340,800 | 5,032 |
| Average earning assets | $27,257,000 | 5,019 |
| Average equity | $4,676,000 | 4,923 |
| Average total loans | $15,880,800 | 4,949 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 4,036 |
| Cost of funding earning assets | 0.8331% | 2,547 |
| Net interest margin | 3.3180% | 4,062 |
| Noninterest income to average assets | 0.1450% | 4,819 |
| Noninterest expense to average assets | 2.7999% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4304% | 4,658 |
| Return on assets (ROA) | 0.5573% | 4,444 |
| Pretax return on assets | 0.5573% | 4,612 |
| Return on Equity (ROE) | 3.5161% | 4,677 |
| Retained earnings to average equity (ytd only) | 3.2301% | 3,792 |
| Net charge-offs to loans | 0.0168% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 47.4382% | 1,235 |
| Efficiency ratio | 86.6760% | 465 |
| Assets per employee ($millions) | 4.1100% | 3,745 |
| Cash dividends to net income (ytd only)* | 8.1280% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1862% | 114 |
| Loan loss allowance to noncurrent loans | 34.8238% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 6.3226% | 41 |
| Noncurrent loans to loans | 9.1495% | 35 |
| Net loans and leases to total assets | 54.2857% | 4,159 |
| Net loans and leases to deposits | 65.8515% | 4,078 |
| Net loans and leases to core deposits | 76.9625% | 3,633 |
| Total domestic deposits to total assets | 82.4366% | 3,340 |
| Equity capital to assets | 16.5728% | 544 |
| Core capital (leverage) ratio | 16.2546% | 527 |
| Tier 1 risk-based capital ratio | 25.8368% | 718 |
| Total risk-based capital ratio | 27.1009% | 702 |
| Memoranda: | ||
| Average total assets | $29,428,500 | 5,108 |
| Average earning assets | $27,365,000 | 5,092 |
| Average equity | $4,664,250 | 4,990 |
| Average total loans | $15,937,000 | 5,024 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 4,039 |
| Cost of funding earning assets | 0.8118% | 2,590 |
| Net interest margin | 3.3416% | 4,044 |
| Noninterest income to average assets | 0.1552% | 4,800 |
| Noninterest expense to average assets | 2.6916% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5734% | 4,376 |
| Return on assets (ROA) | 0.5734% | 4,414 |
| Pretax return on assets | 0.5734% | 4,588 |
| Return on Equity (ROE) | 3.6720% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.2400% | 3,604 |
| Net charge-offs to loans | -0.0882% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4380% | 770 |
| Assets per employee ($millions) | 4.1831% | 3,601 |
| Cash dividends to net income (ytd only)* | 11.7647% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2318% | 102 |
| Loan loss allowance to noncurrent loans | 34.6844% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 6.3110% | 48 |
| Noncurrent loans to loans | 9.3177% | 34 |
| Net loans and leases to total assets | 53.3775% | 4,259 |
| Net loans and leases to deposits | 64.3740% | 4,203 |
| Net loans and leases to core deposits | 74.8241% | 3,833 |
| Total domestic deposits to total assets | 82.9178% | 3,229 |
| Equity capital to assets | 16.1328% | 599 |
| Core capital (leverage) ratio | 15.7964% | 574 |
| Tier 1 risk-based capital ratio | 25.1267% | 744 |
| Total risk-based capital ratio | 26.3932% | 728 |
| Memoranda: | ||
| Average total assets | $29,648,000 | 5,148 |
| Average earning assets | $27,591,670 | 5,132 |
| Average equity | $4,629,670 | 5,029 |
| Average total loans | $15,872,000 | 5,068 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 4,255 |
| Cost of funding earning assets | 0.7903% | 2,590 |
| Net interest margin | 3.2619% | 4,247 |
| Noninterest income to average assets | 0.1475% | 4,859 |
| Noninterest expense to average assets | 2.7220% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4693% | 4,601 |
| Return on assets (ROA) | 0.4693% | 4,623 |
| Pretax return on assets | 0.4693% | 4,747 |
| Return on Equity (ROE) | 3.0551% | 4,774 |
| Retained earnings to average equity (ytd only) | 2.1822% | 4,016 |
| Net charge-offs to loans | -0.4322% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 626 |
| Assets per employee ($millions) | 3.7178% | 4,323 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3503% | 96 |
| Loan loss allowance to noncurrent loans | 34.5879% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 6.0319% | 47 |
| Noncurrent loans to loans | 9.6863% | 30 |
| Net loans and leases to total assets | 51.6979% | 4,359 |
| Net loans and leases to deposits | 61.7584% | 4,315 |
| Net loans and leases to core deposits | 71.4930% | 3,983 |
| Total domestic deposits to total assets | 83.7099% | 3,140 |
| Equity capital to assets | 15.5874% | 636 |
| Core capital (leverage) ratio | 15.6729% | 576 |
| Tier 1 risk-based capital ratio | 25.1884% | 749 |
| Total risk-based capital ratio | 26.4552% | 728 |
| Memoranda: | ||
| Average total assets | $29,831,000 | 5,202 |
| Average earning assets | $27,836,500 | 5,185 |
| Average equity | $4,582,500 | 5,077 |
| Average total loans | $15,732,000 | 5,135 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,591 |
| Cost of funding earning assets | 0.7100% | 2,030 |
| Net interest margin | 3.0395% | 4,750 |
| Noninterest income to average assets | -0.3658% | 5,395 |
| Noninterest expense to average assets | 2.6685% | 3,127 |
| Loan and lease loss provision to assets | 0.9542% | 95 |
| Net operating income to assets | -1.2245% | 5,347 |
| Return on assets (ROA) | -1.1800% | 5,340 |
| Pretax return on assets | -1.1800% | 5,343 |
| Return on Equity (ROE) | -7.9158% | 5,335 |
| Retained earnings to average equity (ytd only) | -8.1292% | 5,294 |
| Net charge-offs to loans | 0.9812% | 149 |
| Credit loss provision to net charge-offs | 191.0828% | 1,494 |
| Earnings coverage of net charge-offs (x) | -0.5414% | 3,728 |
| Efficiency ratio | 111.2732% | 78 |
| Assets per employee ($millions) | 4.2743% | 3,502 |
| Cash dividends to net income (ytd only)* | -2.6954% | 5,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3173% | 94 |
| Loan loss allowance to noncurrent loans | 34.9120% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 5.7520% | 57 |
| Noncurrent loans to loans | 9.5018% | 27 |
| Net loans and leases to total assets | 50.2640% | 4,502 |
| Net loans and leases to deposits | 59.6100% | 4,502 |
| Net loans and leases to core deposits | 68.7749% | 4,190 |
| Total domestic deposits to total assets | 84.3215% | 2,902 |
| Equity capital to assets | 15.1370% | 683 |
| Core capital (leverage) ratio | 14.9745% | 702 |
| Tier 1 risk-based capital ratio | 25.7828% | 686 |
| Total risk-based capital ratio | 27.0500% | 668 |
| Memoranda: | ||
| Average total assets | $31,441,400 | 5,222 |
| Average earning assets | $28,590,000 | 5,213 |
| Average equity | $4,686,800 | 5,092 |
| Average total loans | $16,001,600 | 5,169 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,714 |
| Cost of funding earning assets | 0.6999% | 1,847 |
| Net interest margin | 2.9573% | 4,907 |
| Noninterest income to average assets | -0.5321% | 5,469 |
| Noninterest expense to average assets | 2.5433% | 3,464 |
| Loan and lease loss provision to assets | 1.2570% | 62 |
| Net operating income to assets | -1.6592% | 5,437 |
| Return on assets (ROA) | -1.6005% | 5,434 |
| Pretax return on assets | -1.6005% | 5,431 |
| Return on Equity (ROE) | -10.7764% | 5,423 |
| Retained earnings to average equity (ytd only) | -11.0585% | 5,397 |
| Net charge-offs to loans | 1.3074% | 97 |
| Credit loss provision to net charge-offs | 189.8734% | 1,445 |
| Earnings coverage of net charge-offs (x) | -0.6076% | 3,433 |
| Efficiency ratio | 118.7867% | 60 |
| Assets per employee ($millions) | 4.4007% | 3,271 |
| Cash dividends to net income (ytd only)* | -2.6172% | 5,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2810% | 106 |
| Loan loss allowance to noncurrent loans | 36.0702% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 5.3206% | 77 |
| Noncurrent loans to loans | 9.0961% | 37 |
| Net loans and leases to total assets | 49.1868% | 4,649 |
| Net loans and leases to deposits | 58.0136% | 4,643 |
| Net loans and leases to core deposits | 69.5046% | 4,220 |
| Total domestic deposits to total assets | 84.7849% | 2,691 |
| Equity capital to assets | 14.5756% | 809 |
| Core capital (leverage) ratio | 14.4029% | 844 |
| Tier 1 risk-based capital ratio | 24.9413% | 761 |
| Total risk-based capital ratio | 26.2088% | 737 |
| Memoranda: | ||
| Average total assets | $31,821,750 | 5,287 |
| Average earning assets | $28,764,500 | 5,276 |
| Average equity | $4,726,250 | 5,151 |
| Average total loans | $16,113,250 | 5,232 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 4,852 |
| Cost of funding earning assets | 0.6782% | 1,754 |
| Net interest margin | 2.8718% | 5,053 |
| Noninterest income to average assets | -0.8644% | 5,537 |
| Noninterest expense to average assets | 2.5186% | 3,582 |
| Loan and lease loss provision to assets | 1.8656% | 36 |
| Net operating income to assets | -2.6679% | 5,517 |
| Return on assets (ROA) | -2.6679% | 5,513 |
| Pretax return on assets | -2.6679% | 5,512 |
| Return on Equity (ROE) | -17.8564% | 5,506 |
| Retained earnings to average equity (ytd only) | -18.2726% | 5,488 |
| Net charge-offs to loans | -0.1968% | 5,322 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.7391% | 36 |
| Assets per employee ($millions) | 4.5070% | 3,122 |
| Cash dividends to net income (ytd only)* | -2.3310% | 5,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2379% | 51 |
| Loan loss allowance to noncurrent loans | 48.6239% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 5.2141% | 85 |
| Noncurrent loans to loans | 8.7157% | 38 |
| Net loans and leases to total assets | 49.3486% | 4,643 |
| Net loans and leases to deposits | 57.9204% | 4,647 |
| Net loans and leases to core deposits | 70.7071% | 4,109 |
| Total domestic deposits to total assets | 85.2008% | 2,600 |
| Equity capital to assets | 14.1241% | 901 |
| Core capital (leverage) ratio | 14.0188% | 910 |
| Tier 1 risk-based capital ratio | 24.6368% | 771 |
| Total risk-based capital ratio | 25.9141% | 744 |
| Memoranda: | ||
| Average total assets | $32,160,670 | 5,351 |
| Average earning assets | $28,901,670 | 5,340 |
| Average equity | $4,805,000 | 5,190 |
| Average total loans | $16,262,330 | 5,290 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,295 |
| Cost of funding earning assets | 0.6364% | 1,802 |
| Net interest margin | 3.4447% | 3,723 |
| Noninterest income to average assets | 0.1725% | 4,988 |
| Noninterest expense to average assets | 2.4271% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8008% | 3,700 |
| Return on assets (ROA) | 0.8008% | 3,712 |
| Pretax return on assets | 0.8131% | 4,117 |
| Return on Equity (ROE) | 5.2214% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.4181% | 3,425 |
| Net charge-offs to loans | 0.0492% | 1,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,187 |
| Efficiency ratio | 74.9049% | 1,759 |
| Assets per employee ($millions) | 4.6457% | 2,934 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 323 |
| Loan loss allowance to noncurrent loans | 43.1898% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 4.5295% | 118 |
| Noncurrent loans to loans | 5.3146% | 130 |
| Net loans and leases to total assets | 48.5609% | 4,660 |
| Net loans and leases to deposits | 57.7193% | 4,602 |
| Net loans and leases to core deposits | 70.1680% | 4,074 |
| Total domestic deposits to total assets | 84.1328% | 3,272 |
| Equity capital to assets | 15.3137% | 601 |
| Core capital (leverage) ratio | 15.3214% | 587 |
| Tier 1 risk-based capital ratio | 26.6461% | 631 |
| Total risk-based capital ratio | 27.9042% | 624 |
| Memoranda: | ||
| Average total assets | $32,466,500 | 5,404 |
| Average earning assets | $28,914,000 | 5,398 |
| Average equity | $4,979,500 | 5,224 |
| Average total loans | $16,264,500 | 5,344 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,049 |
| Cost of funding earning assets | 0.5934% | 1,644 |
| Net interest margin | 3.5088% | 3,494 |
| Noninterest income to average assets | 0.2244% | 4,803 |
| Noninterest expense to average assets | 2.4802% | 3,851 |
| Loan and lease loss provision to assets | 0.1229% | 1,863 |
| Net operating income to assets | 0.6059% | 3,987 |
| Return on assets (ROA) | 0.6208% | 3,966 |
| Pretax return on assets | 0.7653% | 4,348 |
| Return on Equity (ROE) | 4.0975% | 4,472 |
| Retained earnings to average equity (ytd only) | 3.8947% | 2,869 |
| Net charge-offs to loans | 0.3777% | 671 |
| Credit loss provision to net charge-offs | 62.5000% | 3,190 |
| Earnings coverage of net charge-offs (x) | 4.4219% | 3,470 |
| Efficiency ratio | 74.0367% | 1,890 |
| Assets per employee ($millions) | 4.6304% | 2,980 |
| Cash dividends to net income (ytd only)* | 4.9505% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2791% | 317 |
| Loan loss allowance to noncurrent loans | 46.6250% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 4.3624% | 125 |
| Noncurrent loans to loans | 4.8882% | 148 |
| Net loans and leases to total assets | 49.3413% | 4,682 |
| Net loans and leases to deposits | 58.7179% | 4,658 |
| Net loans and leases to core deposits | 71.3655% | 4,094 |
| Total domestic deposits to total assets | 84.0311% | 3,197 |
| Equity capital to assets | 15.3611% | 611 |
| Core capital (leverage) ratio | 15.0759% | 606 |
| Tier 1 risk-based capital ratio | 26.4923% | 625 |
| Total risk-based capital ratio | 27.7516% | 614 |
| Memoranda: | ||
| Average total assets | $32,537,800 | 5,456 |
| Average earning assets | $28,984,600 | 5,457 |
| Average equity | $4,929,800 | 5,283 |
| Average total loans | $16,942,800 | 5,390 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 2,985 |
| Cost of funding earning assets | 0.5783% | 1,681 |
| Net interest margin | 3.5202% | 3,429 |
| Noninterest income to average assets | 0.2456% | 4,731 |
| Noninterest expense to average assets | 2.4481% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7500% | 3,737 |
| Return on assets (ROA) | 0.7696% | 3,703 |
| Pretax return on assets | 0.9620% | 3,828 |
| Return on Equity (ROE) | 5.0973% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.8262% | 3,002 |
| Net charge-offs to loans | 0.1482% | 1,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.0541% | 2,455 |
| Efficiency ratio | 72.3096% | 2,161 |
| Assets per employee ($millions) | 4.5697% | 3,014 |
| Cash dividends to net income (ytd only)* | 5.3180% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2300% | 385 |
| Loan loss allowance to noncurrent loans | 77.6181% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 3.4419% | 230 |
| Noncurrent loans to loans | 2.8730% | 462 |
| Net loans and leases to total assets | 51.8101% | 4,581 |
| Net loans and leases to deposits | 62.1177% | 4,501 |
| Net loans and leases to core deposits | 75.8108% | 3,814 |
| Total domestic deposits to total assets | 83.4063% | 3,326 |
| Equity capital to assets | 15.7028% | 599 |
| Core capital (leverage) ratio | 15.0568% | 654 |
| Tier 1 risk-based capital ratio | 25.9900% | 678 |
| Total risk-based capital ratio | 27.2449% | 665 |
| Memoranda: | ||
| Average total assets | $32,569,000 | 5,516 |
| Average earning assets | $29,050,500 | 5,512 |
| Average equity | $4,917,500 | 5,345 |
| Average total loans | $17,087,000 | 5,444 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 2,996 |
| Cost of funding earning assets | 0.5772% | 1,598 |
| Net interest margin | 3.4772% | 3,482 |
| Noninterest income to average assets | 0.2564% | 4,696 |
| Noninterest expense to average assets | 2.4784% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6898% | 3,889 |
| Return on assets (ROA) | 0.7142% | 3,847 |
| Pretax return on assets | 0.8974% | 3,946 |
| Return on Equity (ROE) | 4.7928% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.3832% | 3,093 |
| Net charge-offs to loans | 0.0934% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,913 |
| Efficiency ratio | 74.0876% | 2,000 |
| Assets per employee ($millions) | 4.7359% | 2,741 |
| Cash dividends to net income (ytd only)* | 8.5470% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2159% | 423 |
| Loan loss allowance to noncurrent loans | 97.7387% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 3.0527% | 297 |
| Noncurrent loans to loans | 2.2672% | 706 |
| Net loans and leases to total assets | 51.7812% | 4,594 |
| Net loans and leases to deposits | 61.5137% | 4,532 |
| Net loans and leases to core deposits | 74.2731% | 3,917 |
| Total domestic deposits to total assets | 84.1785% | 3,130 |
| Equity capital to assets | 14.9618% | 710 |
| Core capital (leverage) ratio | 14.9568% | 638 |
| Tier 1 risk-based capital ratio | 25.1553% | 732 |
| Total risk-based capital ratio | 26.4133% | 721 |
| Memoranda: | ||
| Average total assets | $32,762,670 | 5,563 |
| Average earning assets | $29,104,000 | 5,557 |
| Average equity | $4,882,330 | 5,388 |
| Average total loans | $17,132,330 | 5,484 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 2,894 |
| Cost of funding earning assets | 0.5537% | 1,690 |
| Net interest margin | 3.4884% | 3,312 |
| Noninterest income to average assets | 0.2702% | 4,607 |
| Noninterest expense to average assets | 2.5546% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6947% | 3,736 |
| Return on assets (ROA) | 0.7369% | 3,581 |
| Pretax return on assets | 0.8597% | 3,901 |
| Return on Equity (ROE) | 4.9551% | 4,415 |
| Retained earnings to average equity (ytd only) | 4.1292% | 3,396 |
| Net charge-offs to loans | 0.0236% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 748 |
| Efficiency ratio | 75.9124% | 1,921 |
| Assets per employee ($millions) | 4.6724% | 2,889 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 395 |
| Loan loss allowance to noncurrent loans | 85.9002% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 3.2868% | 278 |
| Noncurrent loans to loans | 2.7185% | 550 |
| Net loans and leases to total assets | 50.6375% | 4,620 |
| Net loans and leases to deposits | 60.0486% | 4,562 |
| Net loans and leases to core deposits | 72.6595% | 3,937 |
| Total domestic deposits to total assets | 84.3275% | 3,353 |
| Equity capital to assets | 14.9112% | 675 |
| Core capital (leverage) ratio | 14.6725% | 675 |
| Tier 1 risk-based capital ratio | 25.5862% | 724 |
| Total risk-based capital ratio | 26.8440% | 706 |
| Memoranda: | ||
| Average total assets | $32,568,500 | 5,626 |
| Average earning assets | $28,895,500 | 5,627 |
| Average equity | $4,843,500 | 5,448 |
| Average total loans | $16,921,000 | 5,550 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 2,930 |
| Cost of funding earning assets | 0.5553% | 1,639 |
| Net interest margin | 3.5239% | 3,339 |
| Noninterest income to average assets | 0.2880% | 4,678 |
| Noninterest expense to average assets | 2.5106% | 3,973 |
| Loan and lease loss provision to assets | 0.0273% | 3,808 |
| Net operating income to assets | 0.6886% | 3,834 |
| Return on assets (ROA) | 0.7156% | 3,831 |
| Pretax return on assets | 0.9612% | 3,612 |
| Return on Equity (ROE) | 4.9152% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.7070% | 2,546 |
| Net charge-offs to loans | 0.0692% | 2,708 |
| Credit loss provision to net charge-offs | 75.0000% | 3,057 |
| Earnings coverage of net charge-offs (x) | 26.1667% | 1,558 |
| Efficiency ratio | 72.5044% | 2,507 |
| Assets per employee ($millions) | 4.6329% | 2,912 |
| Cash dividends to net income (ytd only)* | 4.2373% | 4,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3454% | 376 |
| Loan loss allowance to noncurrent loans | 98.2630% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 3.3703% | 266 |
| Noncurrent loans to loans | 2.3869% | 671 |
| Net loans and leases to total assets | 50.8418% | 4,705 |
| Net loans and leases to deposits | 60.1510% | 4,659 |
| Net loans and leases to core deposits | 72.8011% | 4,028 |
| Total domestic deposits to total assets | 84.5236% | 3,231 |
| Equity capital to assets | 14.8319% | 671 |
| Core capital (leverage) ratio | 14.4738% | 699 |
| Tier 1 risk-based capital ratio | 25.3590% | 737 |
| Total risk-based capital ratio | 26.6190% | 727 |
| Memoranda: | ||
| Average total assets | $32,980,600 | 5,675 |
| Average earning assets | $29,711,000 | 5,664 |
| Average equity | $4,801,400 | 5,500 |
| Average total loans | $17,349,800 | 5,601 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,073 |
| Cost of funding earning assets | 0.5517% | 1,675 |
| Net interest margin | 3.4882% | 3,513 |
| Noninterest income to average assets | 0.3704% | 4,126 |
| Noninterest expense to average assets | 2.4115% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8681% | 3,057 |
| Return on assets (ROA) | 0.9058% | 3,009 |
| Pretax return on assets | 1.1635% | 2,989 |
| Return on Equity (ROE) | 6.2508% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.9730% | 2,199 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3790% | 3,162 |
| Assets per employee ($millions) | 4.6631% | 2,816 |
| Cash dividends to net income (ytd only)* | 4.4435% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2872% | 445 |
| Loan loss allowance to noncurrent loans | 72.8102% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 4.0377% | 204 |
| Noncurrent loans to loans | 3.1413% | 457 |
| Net loans and leases to total assets | 52.2211% | 4,640 |
| Net loans and leases to deposits | 62.3756% | 4,604 |
| Net loans and leases to core deposits | 75.5183% | 3,886 |
| Total domestic deposits to total assets | 83.7204% | 3,315 |
| Equity capital to assets | 15.1553% | 701 |
| Core capital (leverage) ratio | 14.4288% | 737 |
| Tier 1 risk-based capital ratio | 24.4542% | 863 |
| Total risk-based capital ratio | 25.7135% | 849 |
| Memoranda: | ||
| Average total assets | $33,118,250 | 5,729 |
| Average earning assets | $29,967,000 | 5,720 |
| Average equity | $4,799,250 | 5,556 |
| Average total loans | $17,466,250 | 5,650 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 3,437 |
| Cost of funding earning assets | 0.5431% | 1,759 |
| Net interest margin | 3.4041% | 3,876 |
| Noninterest income to average assets | 0.3005% | 4,640 |
| Noninterest expense to average assets | 2.4521% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7477% | 3,559 |
| Return on assets (ROA) | 0.8054% | 3,423 |
| Pretax return on assets | 1.0097% | 3,542 |
| Return on Equity (ROE) | 5.6421% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.2211% | 2,591 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3404% | 2,602 |
| Assets per employee ($millions) | 4.7417% | 2,644 |
| Cash dividends to net income (ytd only)* | 7.4627% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2554% | 504 |
| Loan loss allowance to noncurrent loans | 64.9351% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 4.1576% | 205 |
| Noncurrent loans to loans | 3.4734% | 381 |
| Net loans and leases to total assets | 52.2264% | 4,655 |
| Net loans and leases to deposits | 62.1326% | 4,644 |
| Net loans and leases to core deposits | 75.6425% | 3,852 |
| Total domestic deposits to total assets | 84.0564% | 3,240 |
| Equity capital to assets | 14.6873% | 816 |
| Core capital (leverage) ratio | 13.9580% | 833 |
| Tier 1 risk-based capital ratio | 23.9329% | 912 |
| Total risk-based capital ratio | 25.1892% | 893 |
| Memoranda: | ||
| Average total assets | $33,277,000 | 5,789 |
| Average earning assets | $30,199,000 | 5,786 |
| Average equity | $4,750,000 | 5,625 |
| Average total loans | $17,473,330 | 5,718 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 3,570 |
| Cost of funding earning assets | 0.5695% | 1,545 |
| Net interest margin | 3.3373% | 4,087 |
| Noninterest income to average assets | 0.3722% | 4,059 |
| Noninterest expense to average assets | 2.4850% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7674% | 3,407 |
| Return on assets (ROA) | 0.8884% | 2,939 |
| Pretax return on assets | 1.0564% | 3,250 |
| Return on Equity (ROE) | 6.3147% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.4613% | 2,680 |
| Net charge-offs to loans | 0.0461% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,044 |
| Efficiency ratio | 73.1449% | 2,614 |
| Assets per employee ($millions) | 4.7774% | 2,631 |
| Cash dividends to net income (ytd only)* | 13.5135% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 551 |
| Loan loss allowance to noncurrent loans | 71.4542% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.9501% | 259 |
| Noncurrent loans to loans | 3.1467% | 495 |
| Net loans and leases to total assets | 51.7403% | 4,647 |
| Net loans and leases to deposits | 60.9604% | 4,650 |
| Net loans and leases to core deposits | 73.9192% | 3,902 |
| Total domestic deposits to total assets | 84.8753% | 3,176 |
| Equity capital to assets | 14.2216% | 908 |
| Core capital (leverage) ratio | 13.6319% | 937 |
| Tier 1 risk-based capital ratio | 23.3150% | 985 |
| Total risk-based capital ratio | 24.5705% | 973 |
| Memoranda: | ||
| Average total assets | $33,319,500 | 5,851 |
| Average earning assets | $30,204,000 | 5,844 |
| Average equity | $4,687,500 | 5,685 |
| Average total loans | $17,342,500 | 5,776 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,517 |
| Cost of funding earning assets | 0.5794% | 1,498 |
| Net interest margin | 3.3724% | 4,024 |
| Noninterest income to average assets | 0.3229% | 4,588 |
| Noninterest expense to average assets | 2.4567% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6860% | 3,884 |
| Return on assets (ROA) | 0.7485% | 3,677 |
| Pretax return on assets | 0.9891% | 3,513 |
| Return on Equity (ROE) | 5.6393% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.4182% | 2,129 |
| Net charge-offs to loans | -0.0059% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0366% | 2,739 |
| Assets per employee ($millions) | 4.7424% | 2,676 |
| Cash dividends to net income (ytd only)* | 3.9216% | 4,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 485 |
| Loan loss allowance to noncurrent loans | 70.7447% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 4.2413% | 240 |
| Noncurrent loans to loans | 3.3208% | 444 |
| Net loans and leases to total assets | 49.9593% | 4,872 |
| Net loans and leases to deposits | 58.7579% | 4,862 |
| Net loans and leases to core deposits | 70.5025% | 4,266 |
| Total domestic deposits to total assets | 85.0258% | 3,081 |
| Equity capital to assets | 13.9139% | 960 |
| Core capital (leverage) ratio | 13.2779% | 1,051 |
| Tier 1 risk-based capital ratio | 23.3409% | 974 |
| Total risk-based capital ratio | 24.6001% | 961 |
| Memoranda: | ||
| Average total assets | $34,070,200 | 5,888 |
| Average earning assets | $30,720,400 | 5,889 |
| Average equity | $4,521,800 | 5,754 |
| Average total loans | $16,872,400 | 5,834 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 3,632 |
| Cost of funding earning assets | 0.5786% | 1,558 |
| Net interest margin | 3.3510% | 4,137 |
| Noninterest income to average assets | 0.3344% | 4,552 |
| Noninterest expense to average assets | 2.3486% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7629% | 3,623 |
| Return on assets (ROA) | 0.8516% | 3,253 |
| Pretax return on assets | 1.1199% | 3,138 |
| Return on Equity (ROE) | 6.4923% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.1959% | 2,120 |
| Net charge-offs to loans | -0.1346% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0696% | 3,200 |
| Assets per employee ($millions) | 4.8643% | 2,465 |
| Cash dividends to net income (ytd only)* | 4.5652% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4634% | 452 |
| Loan loss allowance to noncurrent loans | 86.6667% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 3.8884% | 309 |
| Noncurrent loans to loans | 2.8424% | 648 |
| Net loans and leases to total assets | 48.3730% | 5,054 |
| Net loans and leases to deposits | 56.5761% | 5,095 |
| Net loans and leases to core deposits | 67.4543% | 4,586 |
| Total domestic deposits to total assets | 85.5007% | 2,780 |
| Equity capital to assets | 13.5360% | 1,211 |
| Core capital (leverage) ratio | 12.9999% | 1,204 |
| Tier 1 risk-based capital ratio | 23.2268% | 1,027 |
| Total risk-based capital ratio | 24.4858% | 1,009 |
| Memoranda: | ||
| Average total assets | $34,288,500 | 5,962 |
| Average earning assets | $30,875,750 | 5,962 |
| Average equity | $4,497,500 | 5,835 |
| Average total loans | $16,844,500 | 5,909 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 3,672 |
| Cost of funding earning assets | 0.5807% | 1,556 |
| Net interest margin | 3.3230% | 4,203 |
| Noninterest income to average assets | 0.3550% | 4,417 |
| Noninterest expense to average assets | 2.3568% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7837% | 3,472 |
| Return on assets (ROA) | 0.9078% | 2,960 |
| Pretax return on assets | 1.1522% | 2,964 |
| Return on Equity (ROE) | 6.9950% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.5466% | 1,923 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3125% | 3,284 |
| Assets per employee ($millions) | 4.9437% | 2,344 |
| Cash dividends to net income (ytd only)* | 6.4103% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3701% | 574 |
| Loan loss allowance to noncurrent loans | 97.0803% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 3.6265% | 384 |
| Noncurrent loans to loans | 2.4413% | 925 |
| Net loans and leases to total assets | 47.4947% | 5,146 |
| Net loans and leases to deposits | 55.0989% | 5,186 |
| Net loans and leases to core deposits | 65.3311% | 4,709 |
| Total domestic deposits to total assets | 86.1989% | 2,579 |
| Equity capital to assets | 12.9977% | 1,409 |
| Core capital (leverage) ratio | 12.7300% | 1,282 |
| Tier 1 risk-based capital ratio | 22.6145% | 1,125 |
| Total risk-based capital ratio | 23.8731% | 1,105 |
| Memoranda: | ||
| Average total assets | $34,368,000 | 6,029 |
| Average earning assets | $30,996,330 | 6,026 |
| Average equity | $4,460,330 | 5,901 |
| Average total loans | $16,830,330 | 5,974 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,678 |
| Cost of funding earning assets | 0.5808% | 1,576 |
| Net interest margin | 3.3041% | 4,201 |
| Noninterest income to average assets | 0.3621% | 4,314 |
| Noninterest expense to average assets | 2.3942% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7548% | 3,507 |
| Return on assets (ROA) | 0.7825% | 3,485 |
| Pretax return on assets | 0.9927% | 3,540 |
| Return on Equity (ROE) | 6.0340% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.1334% | 2,979 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,263 |
| Assets per employee ($millions) | 4.3398% | 3,307 |
| Cash dividends to net income (ytd only)* | 14.9254% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3458% | 666 |
| Loan loss allowance to noncurrent loans | 95.2267% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 3.7329% | 422 |
| Noncurrent loans to loans | 2.4634% | 990 |
| Net loans and leases to total assets | 47.8426% | 5,049 |
| Net loans and leases to deposits | 55.5221% | 5,080 |
| Net loans and leases to core deposits | 65.7822% | 4,537 |
| Total domestic deposits to total assets | 86.1686% | 2,851 |
| Equity capital to assets | 12.9702% | 1,419 |
| Core capital (leverage) ratio | 12.4325% | 1,390 |
| Tier 1 risk-based capital ratio | 21.9915% | 1,249 |
| Total risk-based capital ratio | 23.2507% | 1,226 |
| Memoranda: | ||
| Average total assets | $34,249,000 | 6,092 |
| Average earning assets | $30,992,000 | 6,091 |
| Average equity | $4,441,500 | 5,959 |
| Average total loans | $16,828,000 | 6,024 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,630 |
| Cost of funding earning assets | 0.6404% | 1,470 |
| Net interest margin | 3.3833% | 4,259 |
| Noninterest income to average assets | 0.2908% | 5,039 |
| Noninterest expense to average assets | 2.5292% | 4,457 |
| Loan and lease loss provision to assets | 0.0587% | 3,361 |
| Net operating income to assets | 0.5300% | 4,682 |
| Return on assets (ROA) | 0.6257% | 4,356 |
| Pretax return on assets | 0.8431% | 4,099 |
| Return on Equity (ROE) | 5.0340% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.7977% | 2,763 |
| Net charge-offs to loans | 0.0706% | 3,467 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 21.9167% | 1,649 |
| Efficiency ratio | 76.6014% | 2,424 |
| Assets per employee ($millions) | 4.2225% | 3,495 |
| Cash dividends to net income (ytd only)* | 4.6948% | 4,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 627 |
| Loan loss allowance to noncurrent loans | 84.7134% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 3.9905% | 420 |
| Noncurrent loans to loans | 2.8293% | 822 |
| Net loans and leases to total assets | 48.0995% | 5,145 |
| Net loans and leases to deposits | 55.9543% | 5,187 |
| Net loans and leases to core deposits | 66.6011% | 4,626 |
| Total domestic deposits to total assets | 85.9621% | 2,861 |
| Equity capital to assets | 12.9663% | 1,391 |
| Core capital (leverage) ratio | 12.3992% | 1,402 |
| Tier 1 risk-based capital ratio | 20.0862% | 1,583 |
| Total risk-based capital ratio | 21.3463% | 1,551 |
| Memoranda: | ||
| Average total assets | $34,043,000 | 6,174 |
| Average earning assets | $30,295,600 | 6,177 |
| Average equity | $4,231,200 | 6,043 |
| Average total loans | $17,003,000 | 6,087 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,677 |
| Cost of funding earning assets | 0.6438% | 1,497 |
| Net interest margin | 3.3779% | 4,324 |
| Noninterest income to average assets | 0.2971% | 5,079 |
| Noninterest expense to average assets | 2.4196% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6837% | 4,020 |
| Return on assets (ROA) | 0.8209% | 3,426 |
| Pretax return on assets | 1.0476% | 3,393 |
| Return on Equity (ROE) | 6.6760% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.3581% | 2,186 |
| Net charge-offs to loans | -0.0546% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5154% | 2,899 |
| Assets per employee ($millions) | 4.2771% | 3,341 |
| Cash dividends to net income (ytd only)* | 4.7609% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 762 |
| Loan loss allowance to noncurrent loans | 64.9266% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 4.3078% | 437 |
| Noncurrent loans to loans | 3.6497% | 639 |
| Net loans and leases to total assets | 47.9235% | 5,212 |
| Net loans and leases to deposits | 55.4624% | 5,279 |
| Net loans and leases to core deposits | 65.7735% | 4,731 |
| Total domestic deposits to total assets | 86.4073% | 2,634 |
| Equity capital to assets | 12.7685% | 1,544 |
| Core capital (leverage) ratio | 12.4509% | 1,431 |
| Tier 1 risk-based capital ratio | 22.2667% | 1,224 |
| Total risk-based capital ratio | 23.5300% | 1,209 |
| Memoranda: | ||
| Average total assets | $34,108,750 | 6,251 |
| Average earning assets | $30,235,500 | 6,253 |
| Average equity | $4,194,000 | 6,113 |
| Average total loans | $17,092,000 | 6,145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,718 |
| Cost of funding earning assets | 0.6594% | 1,440 |
| Net interest margin | 3.3432% | 4,430 |
| Noninterest income to average assets | 0.3052% | 4,961 |
| Noninterest expense to average assets | 2.3831% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6997% | 3,843 |
| Return on assets (ROA) | 0.7455% | 3,695 |
| Pretax return on assets | 0.9568% | 3,654 |
| Return on Equity (ROE) | 6.1417% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.6581% | 2,535 |
| Net charge-offs to loans | -0.0582% | 5,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6297% | 3,221 |
| Assets per employee ($millions) | 4.2764% | 3,315 |
| Cash dividends to net income (ytd only)* | 7.8740% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2722% | 928 |
| Loan loss allowance to noncurrent loans | 39.7192% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 4.4167% | 445 |
| Noncurrent loans to loans | 5.7207% | 293 |
| Net loans and leases to total assets | 49.7852% | 4,986 |
| Net loans and leases to deposits | 57.4939% | 5,084 |
| Net loans and leases to core deposits | 68.0708% | 4,458 |
| Total domestic deposits to total assets | 86.5920% | 2,707 |
| Equity capital to assets | 12.5720% | 1,602 |
| Core capital (leverage) ratio | 12.2506% | 1,525 |
| Tier 1 risk-based capital ratio | 21.5197% | 1,343 |
| Total risk-based capital ratio | 22.7750% | 1,319 |
| Memoranda: | ||
| Average total assets | $34,072,670 | 6,307 |
| Average earning assets | $30,330,670 | 6,309 |
| Average equity | $4,135,670 | 6,169 |
| Average total loans | $17,190,670 | 6,192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 4,027 |
| Cost of funding earning assets | 0.6788% | 1,373 |
| Net interest margin | 3.2343% | 4,802 |
| Noninterest income to average assets | 0.2941% | 5,022 |
| Noninterest expense to average assets | 2.1762% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7564% | 3,376 |
| Return on assets (ROA) | 0.8470% | 2,985 |
| Pretax return on assets | 1.0940% | 2,934 |
| Return on Equity (ROE) | 7.1058% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.1189% | 2,474 |
| Net charge-offs to loans | -0.0703% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0299% | 4,001 |
| Assets per employee ($millions) | 4.3074% | 3,326 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 1,014 |
| Loan loss allowance to noncurrent loans | 43.9732% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 4.0918% | 565 |
| Noncurrent loans to loans | 5.2521% | 399 |
| Net loans and leases to total assets | 48.3647% | 5,076 |
| Net loans and leases to deposits | 55.3191% | 5,174 |
| Net loans and leases to core deposits | 65.2775% | 4,573 |
| Total domestic deposits to total assets | 87.4285% | 2,546 |
| Equity capital to assets | 12.0259% | 1,852 |
| Core capital (leverage) ratio | 12.0122% | 1,646 |
| Tier 1 risk-based capital ratio | 19.2069% | 1,904 |
| Total risk-based capital ratio | 20.4623% | 1,868 |
| Memoranda: | ||
| Average total assets | $34,003,500 | 6,374 |
| Average earning assets | $30,053,000 | 6,380 |
| Average equity | $4,053,000 | 6,240 |
| Average total loans | $17,072,000 | 6,255 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,889 |
| Cost of funding earning assets | 0.7451% | 1,529 |
| Net interest margin | 3.3131% | 4,613 |
| Noninterest income to average assets | 0.2681% | 5,430 |
| Noninterest expense to average assets | 2.4802% | 4,833 |
| Loan and lease loss provision to assets | 0.5887% | 431 |
| Net operating income to assets | -0.0804% | 6,282 |
| Return on assets (ROA) | 0.0874% | 6,122 |
| Pretax return on assets | 0.3643% | 5,573 |
| Return on Equity (ROE) | 0.7020% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.4680% | 5,635 |
| Net charge-offs to loans | 0.0867% | 3,992 |
| Credit loss provision to net charge-offs | 1,346.6667% | 189 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,846 |
| Efficiency ratio | 78.2169% | 2,437 |
| Assets per employee ($millions) | 4.1935% | 3,451 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,054 |
| Loan loss allowance to noncurrent loans | 40.2263% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 4.4295% | 575 |
| Noncurrent loans to loans | 5.6895% | 386 |
| Net loans and leases to total assets | 49.7586% | 5,109 |
| Net loans and leases to deposits | 56.5884% | 5,248 |
| Net loans and leases to core deposits | 66.9595% | 4,620 |
| Total domestic deposits to total assets | 87.9307% | 2,215 |
| Equity capital to assets | 11.8099% | 1,942 |
| Core capital (leverage) ratio | 11.8856% | 1,689 |
| Tier 1 risk-based capital ratio | 21.2975% | 1,369 |
| Total risk-based capital ratio | 23.3365% | 1,215 |
| Memoranda: | ||
| Average total assets | $34,311,800 | 6,429 |
| Average earning assets | $30,062,200 | 6,447 |
| Average equity | $4,273,600 | 6,270 |
| Average total loans | $17,306,600 | 6,306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,598 |
| Cost of funding earning assets | 0.7646% | 1,517 |
| Net interest margin | 3.3765% | 4,375 |
| Noninterest income to average assets | 0.2628% | 5,568 |
| Noninterest expense to average assets | 2.2916% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6966% | 3,880 |
| Return on assets (ROA) | 0.9081% | 2,899 |
| Pretax return on assets | 1.2057% | 2,667 |
| Return on Equity (ROE) | 7.2005% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.8939% | 1,930 |
| Net charge-offs to loans | -0.0230% | 6,089 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2740% | 3,556 |
| Assets per employee ($millions) | 4.1939% | 3,436 |
| Cash dividends to net income (ytd only)* | 4.2543% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 4,812 |
| Loan loss allowance to noncurrent loans | 18.8011% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 4.8136% | 601 |
| Noncurrent loans to loans | 6.4454% | 358 |
| Net loans and leases to total assets | 50.2966% | 5,108 |
| Net loans and leases to deposits | 58.0036% | 5,191 |
| Net loans and leases to core deposits | 68.7905% | 4,456 |
| Total domestic deposits to total assets | 86.7128% | 2,845 |
| Equity capital to assets | 12.8700% | 1,391 |
| Core capital (leverage) ratio | 12.6154% | 1,364 |
| Tier 1 risk-based capital ratio | 22.7429% | 1,189 |
| Total risk-based capital ratio | 23.8284% | 1,195 |
| Memoranda: | ||
| Average total assets | $34,502,750 | 6,493 |
| Average earning assets | $30,168,500 | 6,514 |
| Average equity | $4,351,500 | 6,323 |
| Average total loans | $17,362,250 | 6,372 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,588 |
| Cost of funding earning assets | 0.7724% | 1,569 |
| Net interest margin | 3.3670% | 4,316 |
| Noninterest income to average assets | 0.2700% | 5,525 |
| Noninterest expense to average assets | 2.2171% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7512% | 3,561 |
| Return on assets (ROA) | 1.0741% | 2,133 |
| Pretax return on assets | 1.4015% | 1,926 |
| Return on Equity (ROE) | 8.5727% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.1143% | 1,438 |
| Net charge-offs to loans | -0.0802% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2998% | 3,960 |
| Assets per employee ($millions) | 4.2900% | 3,192 |
| Cash dividends to net income (ytd only)* | 5.3476% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,091 |
| Loan loss allowance to noncurrent loans | 18.4764% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 4.8252% | 645 |
| Noncurrent loans to loans | 6.3913% | 415 |
| Net loans and leases to total assets | 51.4481% | 4,939 |
| Net loans and leases to deposits | 59.0338% | 5,067 |
| Net loans and leases to core deposits | 68.2528% | 4,468 |
| Total domestic deposits to total assets | 87.1503% | 2,732 |
| Equity capital to assets | 12.4854% | 1,581 |
| Core capital (leverage) ratio | 12.1979% | 1,510 |
| Tier 1 risk-based capital ratio | 21.5166% | 1,384 |
| Total risk-based capital ratio | 22.5750% | 1,390 |
| Memoranda: | ||
| Average total assets | $34,820,000 | 6,532 |
| Average earning assets | $30,294,330 | 6,553 |
| Average equity | $4,362,670 | 6,369 |
| Average total loans | $17,455,670 | 6,406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 4,182 |
| Cost of funding earning assets | 0.7864% | 1,605 |
| Net interest margin | 3.1989% | 4,937 |
| Noninterest income to average assets | 0.2623% | 5,585 |
| Noninterest expense to average assets | 2.1557% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7035% | 3,668 |
| Return on assets (ROA) | 1.4029% | 1,107 |
| Pretax return on assets | 1.6766% | 1,134 |
| Return on Equity (ROE) | 11.1780% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.2692% | 1,041 |
| Net charge-offs to loans | -0.1159% | 6,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8631% | 3,639 |
| Assets per employee ($millions) | 4.4944% | 2,982 |
| Cash dividends to net income (ytd only)* | 8.1301% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,153 |
| Loan loss allowance to noncurrent loans | 16.8006% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 4.8894% | 749 |
| Noncurrent loans to loans | 7.1816% | 398 |
| Net loans and leases to total assets | 47.5956% | 5,270 |
| Net loans and leases to deposits | 54.7826% | 5,376 |
| Net loans and leases to core deposits | 62.9016% | 4,858 |
| Total domestic deposits to total assets | 86.8808% | 3,031 |
| Equity capital to assets | 12.3571% | 1,798 |
| Core capital (leverage) ratio | 11.8811% | 1,633 |
| Tier 1 risk-based capital ratio | 21.5100% | 1,424 |
| Total risk-based capital ratio | 22.5690% | 1,440 |
| Memoranda: | ||
| Average total assets | $35,070,000 | 6,592 |
| Average earning assets | $30,010,000 | 6,618 |
| Average equity | $4,401,500 | 6,421 |
| Average total loans | $17,249,500 | 6,475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 4,785 |
| Cost of funding earning assets | 0.9136% | 1,856 |
| Net interest margin | 3.2327% | 5,483 |
| Noninterest income to average assets | 0.2885% | 5,404 |
| Noninterest expense to average assets | 2.4100% | 5,378 |
| Loan and lease loss provision to assets | 0.2186% | 2,948 |
| Net operating income to assets | 0.2492% | 5,637 |
| Return on assets (ROA) | 0.3089% | 5,641 |
| Pretax return on assets | 0.5683% | 5,082 |
| Return on Equity (ROE) | 2.4587% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.2268% | 4,670 |
| Net charge-offs to loans | 0.1647% | 4,058 |
| Credit loss provision to net charge-offs | 258.6207% | 928 |
| Earnings coverage of net charge-offs (x) | 8.2069% | 2,453 |
| Efficiency ratio | 77.6526% | 2,502 |
| Assets per employee ($millions) | 4.2731% | 3,411 |
| Cash dividends to net income (ytd only)* | 9.4340% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,169 |
| Loan loss allowance to noncurrent loans | 25.1852% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 3.8730% | 1,127 |
| Noncurrent loans to loans | 4.7156% | 879 |
| Net loans and leases to total assets | 49.6504% | 5,216 |
| Net loans and leases to deposits | 57.4480% | 5,301 |
| Net loans and leases to core deposits | 66.4696% | 4,691 |
| Total domestic deposits to total assets | 86.4268% | 3,137 |
| Equity capital to assets | 12.7541% | 1,566 |
| Core capital (leverage) ratio | 11.7430% | 1,709 |
| Tier 1 risk-based capital ratio | 21.3794% | 1,383 |
| Total risk-based capital ratio | 22.4349% | 1,395 |
| Memoranda: | ||
| Average total assets | $34,315,000 | 6,649 |
| Average earning assets | $29,882,400 | 6,665 |
| Average equity | $4,311,200 | 6,491 |
| Average total loans | $17,603,000 | 6,530 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 5,056 |
| Cost of funding earning assets | 0.9390% | 1,925 |
| Net interest margin | 3.1970% | 5,712 |
| Noninterest income to average assets | 0.2911% | 5,450 |
| Noninterest expense to average assets | 2.2708% | 5,769 |
| Loan and lease loss provision to assets | 0.2911% | 2,253 |
| Net operating income to assets | 0.3674% | 5,382 |
| Return on assets (ROA) | 0.4581% | 5,249 |
| Pretax return on assets | 0.6289% | 5,081 |
| Return on Equity (ROE) | 3.6597% | 5,430 |
| Retained earnings to average equity (ytd only) | 3.3496% | 4,510 |
| Net charge-offs to loans | 0.2259% | 3,367 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,704 |
| Efficiency ratio | 74.0506% | 2,974 |
| Assets per employee ($millions) | 4.4030% | 3,068 |
| Cash dividends to net income (ytd only)* | 8.4726% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,545 |
| Loan loss allowance to noncurrent loans | 25.9923% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 3.6765% | 1,350 |
| Noncurrent loans to loans | 4.3968% | 1,087 |
| Net loans and leases to total assets | 49.8524% | 5,325 |
| Net loans and leases to deposits | 57.5738% | 5,470 |
| Net loans and leases to core deposits | 66.2692% | 4,927 |
| Total domestic deposits to total assets | 86.5887% | 2,928 |
| Equity capital to assets | 12.5795% | 1,833 |
| Core capital (leverage) ratio | 11.9128% | 1,712 |
| Tier 1 risk-based capital ratio | 21.1117% | 1,500 |
| Total risk-based capital ratio | 22.1385% | 1,516 |
| Memoranda: | ||
| Average total assets | $34,347,500 | 6,732 |
| Average earning assets | $29,819,250 | 6,754 |
| Average equity | $4,299,000 | 6,567 |
| Average total loans | $17,709,500 | 6,608 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 5,057 |
| Cost of funding earning assets | 0.9627% | 1,982 |
| Net interest margin | 3.2067% | 5,715 |
| Noninterest income to average assets | 0.2760% | 5,600 |
| Noninterest expense to average assets | 2.2552% | 5,858 |
| Loan and lease loss provision to assets | 0.4405% | 1,475 |
| Net operating income to assets | 0.2317% | 5,820 |
| Return on assets (ROA) | 0.3347% | 5,702 |
| Pretax return on assets | 0.5168% | 5,395 |
| Return on Equity (ROE) | 2.6792% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.2092% | 5,084 |
| Net charge-offs to loans | 0.3731% | 2,528 |
| Credit loss provision to net charge-offs | 227.2727% | 1,252 |
| Earnings coverage of net charge-offs (x) | 4.1212% | 3,169 |
| Efficiency ratio | 73.8462% | 3,102 |
| Assets per employee ($millions) | 4.3564% | 3,155 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 5,811 |
| Loan loss allowance to noncurrent loans | 24.9066% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 3.7789% | 1,371 |
| Noncurrent loans to loans | 4.3880% | 1,222 |
| Net loans and leases to total assets | 51.9354% | 5,109 |
| Net loans and leases to deposits | 59.7695% | 5,257 |
| Net loans and leases to core deposits | 68.8134% | 4,692 |
| Total domestic deposits to total assets | 86.8928% | 2,836 |
| Equity capital to assets | 12.3870% | 1,888 |
| Core capital (leverage) ratio | 11.8491% | 1,683 |
| Tier 1 risk-based capital ratio | 20.2791% | 1,644 |
| Total risk-based capital ratio | 21.2655% | 1,670 |
| Memoranda: | ||
| Average total assets | $34,055,330 | 6,786 |
| Average earning assets | $29,500,670 | 6,812 |
| Average equity | $4,255,000 | 6,613 |
| Average total loans | $17,691,670 | 6,662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 4,348 |
| Cost of funding earning assets | 1.0001% | 1,987 |
| Net interest margin | 3.3977% | 5,133 |
| Noninterest income to average assets | 0.2733% | 5,683 |
| Noninterest expense to average assets | 2.2462% | 5,913 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7146% | 3,810 |
| Return on assets (ROA) | 0.8794% | 3,243 |
| Pretax return on assets | 1.2003% | 2,914 |
| Return on Equity (ROE) | 7.0076% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,917 |
| Net charge-offs to loans | -0.0460% | 6,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7417% | 3,858 |
| Assets per employee ($millions) | 4.3580% | 3,284 |
| Cash dividends to net income (ytd only)* | 13.5135% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,541 |
| Loan loss allowance to noncurrent loans | 21.0526% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 3.6542% | 1,553 |
| Noncurrent loans to loans | 4.2637% | 1,406 |
| Net loans and leases to total assets | 50.6683% | 5,210 |
| Net loans and leases to deposits | 58.1162% | 5,361 |
| Net loans and leases to core deposits | 66.8496% | 4,821 |
| Total domestic deposits to total assets | 87.1845% | 2,837 |
| Equity capital to assets | 12.2361% | 1,885 |
| Core capital (leverage) ratio | 12.1397% | 1,509 |
| Tier 1 risk-based capital ratio | 20.9375% | 1,506 |
| Total risk-based capital ratio | 21.7493% | 1,565 |
| Memoranda: | ||
| Average total assets | $33,657,500 | 6,846 |
| Average earning assets | $29,196,000 | 6,877 |
| Average equity | $4,224,000 | 6,655 |
| Average total loans | $17,387,500 | 6,734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 4,325 |
| Cost of funding earning assets | 1.2331% | 1,824 |
| Net interest margin | 3.4482% | 5,342 |
| Noninterest income to average assets | 0.2553% | 5,703 |
| Noninterest expense to average assets | 2.3946% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6614% | 3,690 |
| Return on assets (ROA) | 0.6882% | 3,727 |
| Pretax return on assets | 0.8003% | 3,977 |
| Return on Equity (ROE) | 5.5586% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.3071% | 2,446 |
| Net charge-offs to loans | -0.0477% | 7,050 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6890% | 2,937 |
| Assets per employee ($millions) | 4.0564% | 3,737 |
| Cash dividends to net income (ytd only)* | 4.5249% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 6,455 |
| Loan loss allowance to noncurrent loans | 20.4398% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 3.9660% | 1,451 |
| Noncurrent loans to loans | 4.5605% | 1,306 |
| Net loans and leases to total assets | 51.7457% | 5,350 |
| Net loans and leases to deposits | 59.7028% | 5,523 |
| Net loans and leases to core deposits | 69.4458% | 4,858 |
| Total domestic deposits to total assets | 86.6722% | 2,934 |
| Equity capital to assets | 12.8871% | 1,554 |
| Core capital (leverage) ratio | 12.1963% | 1,499 |
| Tier 1 risk-based capital ratio | 22.0826% | 1,228 |
| Total risk-based capital ratio | 22.9386% | 1,251 |
| Memoranda: | ||
| Average total assets | $32,114,000 | 6,916 |
| Average earning assets | $27,086,600 | 6,961 |
| Average equity | $3,975,800 | 6,755 |
| Average total loans | $16,758,600 | 6,812 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 4,261 |
| Cost of funding earning assets | 1.2905% | 1,764 |
| Net interest margin | 3.4531% | 5,381 |
| Noninterest income to average assets | 0.2498% | 5,830 |
| Noninterest expense to average assets | 2.3394% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7355% | 3,448 |
| Return on assets (ROA) | 0.7742% | 3,442 |
| Pretax return on assets | 0.8367% | 3,994 |
| Return on Equity (ROE) | 6.3194% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.9797% | 2,569 |
| Net charge-offs to loans | -0.0160% | 6,859 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6348% | 3,057 |
| Assets per employee ($millions) | 4.1954% | 3,455 |
| Cash dividends to net income (ytd only)* | 5.3752% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 6,640 |
| Loan loss allowance to noncurrent loans | 22.8916% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 3.5098% | 1,795 |
| Noncurrent loans to loans | 3.8742% | 1,725 |
| Net loans and leases to total assets | 50.6123% | 5,627 |
| Net loans and leases to deposits | 58.2265% | 5,822 |
| Net loans and leases to core deposits | 67.3099% | 5,265 |
| Total domestic deposits to total assets | 86.9231% | 2,702 |
| Equity capital to assets | 12.4125% | 1,964 |
| Core capital (leverage) ratio | 12.1581% | 1,614 |
| Tier 1 risk-based capital ratio | 21.9446% | 1,297 |
| Total risk-based capital ratio | 22.7702% | 1,338 |
| Memoranda: | ||
| Average total assets | $32,029,750 | 6,985 |
| Average earning assets | $26,758,250 | 7,036 |
| Average equity | $3,924,250 | 6,826 |
| Average total loans | $16,710,750 | 6,883 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 4,144 |
| Cost of funding earning assets | 1.3501% | 1,652 |
| Net interest margin | 3.4366% | 5,419 |
| Noninterest income to average assets | 0.2411% | 5,923 |
| Noninterest expense to average assets | 2.4049% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6790% | 3,645 |
| Return on assets (ROA) | 0.6790% | 3,769 |
| Pretax return on assets | 0.6790% | 4,468 |
| Return on Equity (ROE) | 5.5676% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.0473% | 2,974 |
| Net charge-offs to loans | -0.0362% | 6,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9835% | 2,715 |
| Assets per employee ($millions) | 4.1738% | 3,403 |
| Cash dividends to net income (ytd only)* | 9.3458% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,682 |
| Loan loss allowance to noncurrent loans | 25.5000% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 3.2375% | 2,069 |
| Noncurrent loans to loans | 3.4920% | 2,025 |
| Net loans and leases to total assets | 51.0003% | 5,693 |
| Net loans and leases to deposits | 58.2029% | 5,915 |
| Net loans and leases to core deposits | 66.1295% | 5,496 |
| Total domestic deposits to total assets | 87.6250% | 2,384 |
| Equity capital to assets | 11.9587% | 2,118 |
| Core capital (leverage) ratio | 12.4591% | 1,380 |
| Tier 1 risk-based capital ratio | 21.7267% | 1,293 |
| Total risk-based capital ratio | 22.5660% | 1,348 |
| Memoranda: | ||
| Average total assets | $31,518,670 | 7,057 |
| Average earning assets | $26,072,000 | 7,123 |
| Average equity | $3,843,670 | 6,889 |
| Average total loans | $16,568,000 | 6,957 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 4,169 |
| Cost of funding earning assets | 1.4345% | 1,456 |
| Net interest margin | 3.3419% | 5,637 |
| Noninterest income to average assets | 0.2354% | 6,029 |
| Noninterest expense to average assets | 2.5243% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4839% | 4,558 |
| Return on assets (ROA) | 0.4839% | 4,636 |
| Pretax return on assets | 0.4839% | 5,075 |
| Return on Equity (ROE) | 3.9268% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.8655% | 4,444 |
| Net charge-offs to loans | -0.0492% | 6,875 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9130% | 1,966 |
| Assets per employee ($millions) | 3.9454% | 3,956 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 6,634 |
| Loan loss allowance to noncurrent loans | 25.3333% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 3.5073% | 1,944 |
| Noncurrent loans to loans | 3.6527% | 2,031 |
| Net loans and leases to total assets | 51.5604% | 5,636 |
| Net loans and leases to deposits | 58.7382% | 5,855 |
| Net loans and leases to core deposits | 67.2229% | 5,386 |
| Total domestic deposits to total assets | 87.7800% | 2,505 |
| Equity capital to assets | 11.9729% | 1,933 |
| Core capital (leverage) ratio | 12.4768% | 1,336 |
| Tier 1 risk-based capital ratio | 21.9818% | 1,231 |
| Total risk-based capital ratio | 22.8405% | 1,278 |
| Memoranda: | ||
| Average total assets | $30,583,000 | 7,137 |
| Average earning assets | $25,374,500 | 7,188 |
| Average equity | $3,769,000 | 6,944 |
| Average total loans | $16,261,000 | 7,019 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 4,463 |
| Cost of funding earning assets | 1.6252% | 1,926 |
| Net interest margin | 3.3936% | 5,659 |
| Noninterest income to average assets | 0.3067% | 5,603 |
| Noninterest expense to average assets | 2.8043% | 4,593 |
| Loan and lease loss provision to assets | 0.6985% | 2,347 |
| Net operating income to assets | -0.3714% | 6,285 |
| Return on assets (ROA) | -0.3714% | 6,311 |
| Pretax return on assets | -0.3714% | 6,223 |
| Return on Equity (ROE) | -2.7380% | 6,255 |
| Retained earnings to average equity (ytd only) | -2.9892% | 6,093 |
| Net charge-offs to loans | 0.8729% | 2,448 |
| Credit loss provision to net charge-offs | 140.4110% | 2,689 |
| Earnings coverage of net charge-offs (x) | 0.6575% | 5,451 |
| Efficiency ratio | 89.5539% | 1,354 |
| Assets per employee ($millions) | 3.7004% | 4,464 |
| Cash dividends to net income (ytd only)* | -9.1743% | 7,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 6,629 |
| Loan loss allowance to noncurrent loans | 26.3158% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 3.6381% | 1,893 |
| Noncurrent loans to loans | 3.5413% | 2,129 |
| Net loans and leases to total assets | 53.8662% | 5,646 |
| Net loans and leases to deposits | 61.8637% | 5,856 |
| Net loans and leases to core deposits | 70.5513% | 5,395 |
| Total domestic deposits to total assets | 87.0723% | 2,781 |
| Equity capital to assets | 12.6980% | 1,531 |
| Core capital (leverage) ratio | 12.7345% | 1,226 |
| Tier 1 risk-based capital ratio | 22.8608% | 1,057 |
| Total risk-based capital ratio | 23.7424% | 1,092 |
| Memoranda: | ||
| Average total assets | $29,347,400 | 7,229 |
| Average earning assets | $24,428,200 | 7,270 |
| Average equity | $3,981,000 | 7,012 |
| Average total loans | $16,726,600 | 7,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 4,702 |
| Cost of funding earning assets | 1.6348% | 2,184 |
| Net interest margin | 3.3894% | 5,719 |
| Noninterest income to average assets | 0.3142% | 5,639 |
| Noninterest expense to average assets | 2.7273% | 4,767 |
| Loan and lease loss provision to assets | 0.0683% | 6,386 |
| Net operating income to assets | 0.3005% | 5,165 |
| Return on assets (ROA) | 0.3005% | 5,333 |
| Pretax return on assets | 0.3506% | 5,364 |
| Return on Equity (ROE) | 2.1801% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.8496% | 5,036 |
| Net charge-offs to loans | 0.1106% | 5,431 |
| Credit loss provision to net charge-offs | 107.1429% | 3,982 |
| Earnings coverage of net charge-offs (x) | 6.5699% | 2,495 |
| Efficiency ratio | 86.6860% | 1,559 |
| Assets per employee ($millions) | 3.7414% | 4,410 |
| Cash dividends to net income (ytd only)* | 15.1477% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 7,237 |
| Loan loss allowance to noncurrent loans | 16.3531% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 3.8756% | 1,823 |
| Noncurrent loans to loans | 4.1348% | 1,783 |
| Net loans and leases to total assets | 55.4576% | 5,626 |
| Net loans and leases to deposits | 64.6026% | 5,836 |
| Net loans and leases to core deposits | 73.6686% | 5,336 |
| Total domestic deposits to total assets | 85.8441% | 3,159 |
| Equity capital to assets | 13.7149% | 1,270 |
| Core capital (leverage) ratio | 13.7727% | 972 |
| Tier 1 risk-based capital ratio | 23.4781% | 1,004 |
| Total risk-based capital ratio | 24.1308% | 1,061 |
| Memoranda: | ||
| Average total assets | $29,283,500 | 7,314 |
| Average earning assets | $24,467,500 | 7,362 |
| Average equity | $4,036,500 | 7,077 |
| Average total loans | $16,884,250 | 7,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9728% | 5,066 |
| Cost of funding earning assets | 1.6685% | 2,292 |
| Net interest margin | 3.3043% | 6,001 |
| Noninterest income to average assets | 0.2615% | 6,046 |
| Noninterest expense to average assets | 2.7797% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2477% | 5,385 |
| Return on assets (ROA) | 0.2477% | 5,527 |
| Pretax return on assets | 0.2752% | 5,575 |
| Return on Equity (ROE) | 1.7939% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.2956% | 5,232 |
| Net charge-offs to loans | 0.2125% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 3,897 |
| Efficiency ratio | 90.9910% | 1,264 |
| Assets per employee ($millions) | 3.6348% | 4,621 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 7,469 |
| Loan loss allowance to noncurrent loans | 11.0199% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 4.6668% | 1,395 |
| Noncurrent loans to loans | 4.9886% | 1,384 |
| Net loans and leases to total assets | 58.4806% | 5,335 |
| Net loans and leases to deposits | 68.3536% | 5,519 |
| Net loans and leases to core deposits | 76.8171% | 5,102 |
| Total domestic deposits to total assets | 85.5561% | 3,340 |
| Equity capital to assets | 13.9040% | 1,204 |
| Core capital (leverage) ratio | 13.7349% | 990 |
| Tier 1 risk-based capital ratio | 21.6477% | 1,250 |
| Total risk-based capital ratio | 22.1545% | 1,330 |
| Memoranda: | ||
| Average total assets | $29,067,670 | 7,386 |
| Average earning assets | $24,573,670 | 7,418 |
| Average equity | $4,013,670 | 7,119 |
| Average total loans | $16,941,670 | 7,225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 5,134 |
| Cost of funding earning assets | 1.6908% | 2,438 |
| Net interest margin | 3.2849% | 6,027 |
| Noninterest income to average assets | 0.2202% | 6,386 |
| Noninterest expense to average assets | 2.7252% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2753% | 5,397 |
| Return on assets (ROA) | 0.2753% | 5,526 |
| Pretax return on assets | 0.3028% | 5,593 |
| Return on Equity (ROE) | 2.0005% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.0003% | 5,412 |
| Net charge-offs to loans | 0.2372% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,438 |
| Efficiency ratio | 90.0000% | 1,438 |
| Assets per employee ($millions) | 3.6419% | 4,713 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 7,497 |
| Loan loss allowance to noncurrent loans | 10.9795% | 7,312 |
| Noncurrent assets plus other real estate owned to assets | 4.6439% | 1,436 |
| Noncurrent loans to loans | 5.4702% | 1,288 |
| Net loans and leases to total assets | 57.9406% | 5,447 |
| Net loans and leases to deposits | 67.5132% | 5,646 |
| Net loans and leases to core deposits | 75.7641% | 5,292 |
| Total domestic deposits to total assets | 85.8212% | 3,244 |
| Equity capital to assets | 13.7532% | 1,225 |
| Core capital (leverage) ratio | 13.5608% | 1,067 |
| Tier 1 risk-based capital ratio | 21.7637% | 1,228 |
| Total risk-based capital ratio | 22.3190% | 1,306 |
| Memoranda: | ||
| Average total assets | $29,062,500 | 7,475 |
| Average earning assets | $24,841,000 | 7,505 |
| Average equity | $3,999,000 | 7,192 |
| Average total loans | $16,863,000 | 7,321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 4,675 |
| Cost of funding earning assets | 1.9645% | 3,129 |
| Net interest margin | 3.4417% | 5,211 |
| Noninterest income to average assets | 0.2881% | 6,048 |
| Noninterest expense to average assets | 2.7820% | 5,040 |
| Loan and lease loss provision to assets | 0.1406% | 6,234 |
| Net operating income to assets | 0.3246% | 4,431 |
| Return on assets (ROA) | 0.3568% | 4,395 |
| Pretax return on assets | 0.4597% | 4,321 |
| Return on Equity (ROE) | 2.6118% | 4,658 |
| Retained earnings to average equity (ytd only) | 2.3606% | 3,463 |
| Net charge-offs to loans | 0.1182% | 5,991 |
| Credit loss provision to net charge-offs | 205.0000% | 1,881 |
| Earnings coverage of net charge-offs (x) | 8.1500% | 1,990 |
| Efficiency ratio | 83.2649% | 2,444 |
| Assets per employee ($millions) | 3.6238% | 4,717 |
| Cash dividends to net income (ytd only)* | 9.6154% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 7,438 |
| Loan loss allowance to noncurrent loans | 9.7817% | 7,369 |
| Noncurrent assets plus other real estate owned to assets | 5.1363% | 1,179 |
| Noncurrent loans to loans | 6.8387% | 844 |
| Net loans and leases to total assets | 57.3681% | 5,764 |
| Net loans and leases to deposits | 66.8502% | 5,961 |
| Net loans and leases to core deposits | 91.0689% | 5,005 |
| Total domestic deposits to total assets | 85.8158% | 3,103 |
| Equity capital to assets | 13.7668% | 1,228 |
| Core capital (leverage) ratio | 13.6210% | 1,061 |
| Tier 1 risk-based capital ratio | 22.0691% | 1,142 |
| Total risk-based capital ratio | 22.6835% | 1,199 |
| Memoranda: | ||
| Average total assets | $29,151,800 | 7,503 |
| Average earning assets | $25,859,000 | 7,511 |
| Average equity | $3,982,000 | 7,305 |
| Average total loans | $16,916,400 | 7,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 4,538 |
| Cost of funding earning assets | 1.9789% | 3,473 |
| Net interest margin | 3.4975% | 4,873 |
| Noninterest income to average assets | 0.2786% | 6,245 |
| Noninterest expense to average assets | 2.6810% | 5,406 |
| Loan and lease loss provision to assets | 0.1873% | 5,502 |
| Net operating income to assets | 0.4385% | 4,239 |
| Return on assets (ROA) | 0.4385% | 4,346 |
| Pretax return on assets | 0.5344% | 4,413 |
| Return on Equity (ROE) | 3.2163% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.8811% | 3,716 |
| Net charge-offs to loans | 0.1258% | 5,438 |
| Credit loss provision to net charge-offs | 256.2500% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.8762% | 2,045 |
| Efficiency ratio | 78.7919% | 3,035 |
| Assets per employee ($millions) | 3.6280% | 4,610 |
| Cash dividends to net income (ytd only)* | 10.4141% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 7,407 |
| Loan loss allowance to noncurrent loans | 11.9342% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 4.4963% | 1,361 |
| Noncurrent loans to loans | 5.7328% | 1,068 |
| Net loans and leases to total assets | 58.0175% | 5,888 |
| Net loans and leases to deposits | 67.8472% | 6,138 |
| Net loans and leases to core deposits | 91.2831% | 5,300 |
| Total domestic deposits to total assets | 85.5120% | 2,962 |
| Equity capital to assets | 13.8162% | 1,369 |
| Core capital (leverage) ratio | 13.5653% | 1,217 |
| Tier 1 risk-based capital ratio | 19.8881% | 1,581 |
| Total risk-based capital ratio | 20.4676% | 1,668 |
| Memoranda: | ||
| Average total assets | $29,192,250 | 7,568 |
| Average earning assets | $26,075,000 | 7,570 |
| Average equity | $3,979,750 | 7,369 |
| Average total loans | $16,959,750 | 7,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4397% | 4,944 |
| Cost of funding earning assets | 1.9788% | 3,876 |
| Net interest margin | 3.4609% | 4,962 |
| Noninterest income to average assets | 0.2530% | 6,473 |
| Noninterest expense to average assets | 2.6873% | 5,429 |
| Loan and lease loss provision to assets | 0.2804% | 4,332 |
| Net operating income to assets | 0.3624% | 4,649 |
| Return on assets (ROA) | 0.3624% | 4,751 |
| Pretax return on assets | 0.4308% | 4,845 |
| Return on Equity (ROE) | 2.6702% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.1664% | 4,144 |
| Net charge-offs to loans | 0.1297% | 4,872 |
| Credit loss provision to net charge-offs | 372.7273% | 1,246 |
| Earnings coverage of net charge-offs (x) | 9.4545% | 2,128 |
| Efficiency ratio | 79.0744% | 3,181 |
| Assets per employee ($millions) | 3.6623% | 4,420 |
| Cash dividends to net income (ytd only)* | 18.8679% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 7,458 |
| Loan loss allowance to noncurrent loans | 9.8776% | 7,497 |
| Noncurrent assets plus other real estate owned to assets | 4.3996% | 1,290 |
| Noncurrent loans to loans | 6.9084% | 718 |
| Net loans and leases to total assets | 60.1099% | 5,660 |
| Net loans and leases to deposits | 69.9349% | 5,993 |
| Net loans and leases to core deposits | 92.3832% | 5,306 |
| Total domestic deposits to total assets | 85.9513% | 2,820 |
| Equity capital to assets | 13.5265% | 1,483 |
| Core capital (leverage) ratio | 13.5680% | 1,251 |
| Tier 1 risk-based capital ratio | 21.2462% | 1,356 |
| Total risk-based capital ratio | 21.8951% | 1,416 |
| Memoranda: | ||
| Average total assets | $29,248,330 | 7,635 |
| Average earning assets | $26,582,330 | 7,612 |
| Average equity | $3,969,670 | 7,429 |
| Average total loans | $16,961,330 | 7,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 6,758 |
| Cost of funding earning assets | 2.0247% | 4,010 |
| Net interest margin | 3.0371% | 6,384 |
| Noninterest income to average assets | 0.2327% | 6,604 |
| Noninterest expense to average assets | 2.6417% | 5,257 |
| Loan and lease loss provision to assets | 0.4243% | 2,805 |
| Net operating income to assets | -0.0411% | 6,318 |
| Return on assets (ROA) | -0.0411% | 6,447 |
| Pretax return on assets | -0.0411% | 6,422 |
| Return on Equity (ROE) | -0.3020% | 6,443 |
| Retained earnings to average equity (ytd only) | -1.3088% | 5,963 |
| Net charge-offs to loans | 0.1931% | 3,481 |
| Credit loss provision to net charge-offs | 387.5000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,155 |
| Efficiency ratio | 87.3303% | 1,952 |
| Assets per employee ($millions) | 3.7165% | 4,307 |
| Cash dividends to net income (ytd only)* | -333.3333% | 8,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 7,510 |
| Loan loss allowance to noncurrent loans | 9.1493% | 7,520 |
| Noncurrent assets plus other real estate owned to assets | 4.2883% | 1,160 |
| Noncurrent loans to loans | 7.4233% | 510 |
| Net loans and leases to total assets | 56.0709% | 6,228 |
| Net loans and leases to deposits | 65.0779% | 6,454 |
| Net loans and leases to core deposits | 84.9911% | 5,980 |
| Total domestic deposits to total assets | 86.1597% | 2,630 |
| Equity capital to assets | 13.3425% | 1,596 |
| Core capital (leverage) ratio | 13.4648% | 1,334 |
| Tier 1 risk-based capital ratio | 22.1065% | 1,291 |
| Total risk-based capital ratio | 22.7517% | 1,338 |
| Memoranda: | ||
| Average total assets | $29,223,500 | 7,676 |
| Average earning assets | $26,868,000 | 7,645 |
| Average equity | $3,973,000 | 7,466 |
| Average total loans | $16,576,000 | 7,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9321% | 5,892 |
| Cost of funding earning assets | 2.5500% | 3,957 |
| Net interest margin | 3.3821% | 5,729 |
| Noninterest income to average assets | 0.2875% | 6,409 |
| Noninterest expense to average assets | 2.6990% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5355% | 4,596 |
| Return on assets (ROA) | 0.5355% | 4,444 |
| Pretax return on assets | 0.7727% | 4,169 |
| Return on Equity (ROE) | 3.8070% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.5515% | 2,934 |
| Net charge-offs to loans | 0.3021% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.3878% | 4,000 |
| Efficiency ratio | 77.7433% | 2,962 |
| Assets per employee ($millions) | 3.5894% | 4,443 |
| Cash dividends to net income (ytd only)* | 6.7114% | 4,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5560% | 7,754 |
| Loan loss allowance to noncurrent loans | 7.8448% | 7,526 |
| Noncurrent assets plus other real estate owned to assets | 4.1372% | 971 |
| Noncurrent loans to loans | 7.0874% | 428 |
| Net loans and leases to total assets | 56.6812% | 6,363 |
| Net loans and leases to deposits | 66.2218% | 6,629 |
| Net loans and leases to core deposits | 86.4457% | 6,106 |
| Total domestic deposits to total assets | 85.5929% | 2,588 |
| Equity capital to assets | 13.8569% | 1,476 |
| Core capital (leverage) ratio | 13.4530% | 1,402 |
| Tier 1 risk-based capital ratio | 22.4675% | 1,255 |
| Total risk-based capital ratio | 22.9892% | 1,308 |
| Memoranda: | ||
| Average total assets | $27,825,200 | 7,736 |
| Average earning assets | $26,196,400 | 7,684 |
| Average equity | $3,913,800 | 7,549 |
| Average total loans | $16,217,400 | 7,573 |