Home > Prairie Sun Bank > Performance and Condition Ratios
Prairie Sun Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 3,275 |
| Cost of funding earning assets | 1.6627% | 1,536 |
| Net interest margin | 2.7355% | 3,766 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.8247% | 3,961 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.8610% | 2,672 |
| Return on assets (ROA) | 0.8922% | 2,546 |
| Pretax return on assets | 0.8922% | 2,984 |
| Return on Equity (ROE) | 10.5200% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.3748% | 3,174 |
| Net charge-offs to loans | 0.0106% | 2,252 |
| Credit loss provision to net charge-offs | 2,600.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 172.1429% | 649 |
| Efficiency ratio | 62.2888% | 2,802 |
| Assets per employee ($millions) | 7.6301% | 1,639 |
| Cash dividends to net income (ytd only)* | 67.9245% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 947 |
| Loan loss allowance to noncurrent loans | 1,261.3636% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,079 |
| Noncurrent loans to loans | 0.1226% | 2,906 |
| Net loans and leases to total assets | 57.8700% | 3,051 |
| Net loans and leases to deposits | 77.3025% | 2,330 |
| Net loans and leases to core deposits | 86.6524% | 2,262 |
| Total domestic deposits to total assets | 74.8600% | 4,043 |
| Equity capital to assets | 8.4820% | 3,070 |
| Core capital (leverage) ratio | 7.8020% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8957% | 2,830 |
| Memoranda: | ||
| Average total assets | $118,814,000 | 3,661 |
| Average earning assets | $109,341,600 | 3,655 |
| Average equity | $10,074,800 | 3,713 |
| Average total loans | $66,060,400 | 3,605 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,405 |
| Cost of funding earning assets | 1.4502% | 1,734 |
| Net interest margin | 2.7877% | 3,742 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.8927% | 3,818 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.8203% | 2,960 |
| Return on assets (ROA) | 0.8203% | 2,954 |
| Pretax return on assets | 0.8203% | 3,288 |
| Return on Equity (ROE) | 9.6800% | 2,742 |
| Retained earnings to average equity (ytd only) | 1.4126% | 3,860 |
| Net charge-offs to loans | -0.0144% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.0773% | 2,488 |
| Assets per employee ($millions) | 7.6906% | 1,510 |
| Cash dividends to net income (ytd only)* | 85.3994% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 1,137 |
| Loan loss allowance to noncurrent loans | 178.9037% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 1,184 |
| Noncurrent loans to loans | 0.8330% | 991 |
| Net loans and leases to total assets | 57.8500% | 3,043 |
| Net loans and leases to deposits | 81.0938% | 1,966 |
| Net loans and leases to core deposits | 91.4039% | 1,839 |
| Total domestic deposits to total assets | 71.3400% | 4,279 |
| Equity capital to assets | 8.2130% | 2,911 |
| Core capital (leverage) ratio | 7.4934% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8076% | 2,851 |
| Memoranda: | ||
| Average total assets | $117,997,000 | 3,676 |
| Average earning assets | $108,762,250 | 3,667 |
| Average equity | $10,004,750 | 3,723 |
| Average total loans | $64,636,500 | 3,642 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,650 |
| Cost of funding earning assets | 1.1263% | 2,204 |
| Net interest margin | 2.8913% | 3,663 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.9396% | 3,739 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.8683% | 2,860 |
| Return on assets (ROA) | 0.8683% | 2,857 |
| Pretax return on assets | 0.8683% | 3,240 |
| Return on Equity (ROE) | 10.1300% | 2,666 |
| Retained earnings to average equity (ytd only) | 1.1433% | 3,884 |
| Net charge-offs to loans | -0.0612% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.4939% | 2,542 |
| Assets per employee ($millions) | 7.0641% | 1,878 |
| Cash dividends to net income (ytd only)* | 88.7129% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 1,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.8400% | 3,205 |
| Net loans and leases to deposits | 74.5486% | 2,441 |
| Net loans and leases to core deposits | 84.2000% | 2,200 |
| Total domestic deposits to total assets | 73.5600% | 4,223 |
| Equity capital to assets | 8.3471% | 2,992 |
| Core capital (leverage) ratio | 7.7517% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1754% | 2,824 |
| Memoranda: | ||
| Average total assets | $116,313,000 | 3,710 |
| Average earning assets | $107,079,333 | 3,697 |
| Average equity | $9,971,000 | 3,747 |
| Average total loans | $62,093,333 | 3,689 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,801 |
| Cost of funding earning assets | 0.7325% | 2,953 |
| Net interest margin | 3.0972% | 3,352 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.9087% | 3,835 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.0522% | 2,373 |
| Return on assets (ROA) | 1.0522% | 2,341 |
| Pretax return on assets | 1.0522% | 2,851 |
| Return on Equity (ROE) | 12.1100% | 2,190 |
| Retained earnings to average equity (ytd only) | 2.2927% | 3,651 |
| Net charge-offs to loans | -0.0335% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.3049% | 3,044 |
| Assets per employee ($millions) | 6.7241% | 2,176 |
| Cash dividends to net income (ytd only)* | 81.0631% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 950 |
| Loan loss allowance to noncurrent loans | 154.1471% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 927 |
| Noncurrent loans to loans | 1.0572% | 686 |
| Net loans and leases to total assets | 52.0200% | 3,344 |
| Net loans and leases to deposits | 62.2487% | 3,212 |
| Net loans and leases to core deposits | 68.8139% | 3,035 |
| Total domestic deposits to total assets | 83.5600% | 3,184 |
| Equity capital to assets | 8.7350% | 2,708 |
| Core capital (leverage) ratio | 8.0795% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2990% | 2,637 |
| Memoranda: | ||
| Average total assets | $114,424,500 | 3,775 |
| Average earning assets | $105,385,500 | 3,769 |
| Average equity | $9,944,500 | 3,794 |
| Average total loans | $59,689,500 | 3,764 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 2,920 |
| Cost of funding earning assets | 0.3215% | 2,714 |
| Net interest margin | 3.2364% | 2,745 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.8686% | 3,897 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.1609% | 1,933 |
| Return on assets (ROA) | 1.1654% | 1,843 |
| Pretax return on assets | 1.1654% | 2,547 |
| Return on Equity (ROE) | 13.5000% | 1,657 |
| Retained earnings to average equity (ytd only) | 7.1728% | 2,164 |
| Net charge-offs to loans | 0.0036% | 2,331 |
| Credit loss provision to net charge-offs | 9,350.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 744.0000% | 243 |
| Efficiency ratio | 56.9793% | 3,472 |
| Assets per employee ($millions) | 6.7376% | 2,162 |
| Cash dividends to net income (ytd only)* | 46.8606% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,003 |
| Loan loss allowance to noncurrent loans | 640.4110% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,633 |
| Noncurrent loans to loans | 0.2477% | 2,285 |
| Net loans and leases to total assets | 50.6400% | 3,462 |
| Net loans and leases to deposits | 57.0553% | 3,509 |
| Net loans and leases to core deposits | 62.9056% | 3,336 |
| Total domestic deposits to total assets | 88.7500% | 1,796 |
| Equity capital to assets | 8.6468% | 2,597 |
| Core capital (leverage) ratio | 7.9575% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8434% | 2,776 |
| Memoranda: | ||
| Average total assets | $112,064,800 | 3,808 |
| Average earning assets | $102,643,800 | 3,810 |
| Average equity | $9,675,400 | 3,909 |
| Average total loans | $55,625,800 | 3,814 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 2,659 |
| Cost of funding earning assets | 0.2615% | 2,587 |
| Net interest margin | 3.2254% | 2,550 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.8579% | 3,847 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.1617% | 1,849 |
| Return on assets (ROA) | 1.1676% | 1,801 |
| Pretax return on assets | 1.1676% | 2,500 |
| Return on Equity (ROE) | 13.5300% | 1,556 |
| Retained earnings to average equity (ytd only) | 6.9727% | 2,367 |
| Net charge-offs to loans | -0.0122% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.3977% | 3,587 |
| Assets per employee ($millions) | 6.6658% | 2,185 |
| Cash dividends to net income (ytd only)* | 48.4631% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 1,197 |
| Loan loss allowance to noncurrent loans | 555.9006% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,616 |
| Noncurrent loans to loans | 0.2766% | 2,267 |
| Net loans and leases to total assets | 50.5700% | 3,413 |
| Net loans and leases to deposits | 58.6143% | 3,302 |
| Net loans and leases to core deposits | 63.8059% | 3,137 |
| Total domestic deposits to total assets | 86.2800% | 2,990 |
| Equity capital to assets | 8.6976% | 2,407 |
| Core capital (leverage) ratio | 7.9242% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2945% | 2,720 |
| Memoranda: | ||
| Average total assets | $111,446,250 | 3,843 |
| Average earning assets | $101,980,750 | 3,840 |
| Average equity | $9,618,250 | 3,959 |
| Average total loans | $54,798,750 | 3,841 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 2,249 |
| Cost of funding earning assets | 0.2705% | 2,022 |
| Net interest margin | 3.1910% | 2,218 |
| Noninterest income to average assets | 0.2400% | 3,734 |
| Noninterest expense to average assets | 1.8787% | 3,758 |
| Loan and lease loss provision to assets | 0.1714% | 525 |
| Net operating income to assets | 1.1063% | 1,752 |
| Return on assets (ROA) | 1.1153% | 1,695 |
| Pretax return on assets | 1.1153% | 2,346 |
| Return on Equity (ROE) | 12.9573% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.1915% | 1,925 |
| Net charge-offs to loans | -0.0186% | 3,836 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 3,616 |
| Assets per employee ($millions) | 6.5962% | 2,245 |
| Cash dividends to net income (ytd only)* | 44.4984% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,203 |
| Loan loss allowance to noncurrent loans | 449.7354% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,521 |
| Noncurrent loans to loans | 0.3509% | 2,096 |
| Net loans and leases to total assets | 47.2769% | 3,607 |
| Net loans and leases to deposits | 51.8972% | 3,693 |
| Net loans and leases to core deposits | 56.2751% | 3,544 |
| Total domestic deposits to total assets | 91.0973% | 1,180 |
| Equity capital to assets | 8.6637% | 2,642 |
| Core capital (leverage) ratio | 7.8663% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8725% | 2,544 |
| Memoranda: | ||
| Average total assets | $110,822,333 | 3,890 |
| Average earning assets | $101,285,000 | 3,900 |
| Average equity | $9,539,000 | 4,045 |
| Average total loans | $53,664,667 | 3,898 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3858% | 2,127 |
| Cost of funding earning assets | 0.2752% | 1,878 |
| Net interest margin | 3.1107% | 2,137 |
| Noninterest income to average assets | 0.2179% | 3,852 |
| Noninterest expense to average assets | 1.8372% | 3,848 |
| Loan and lease loss provision to assets | 0.1707% | 454 |
| Net operating income to assets | 1.0421% | 1,715 |
| Return on assets (ROA) | 1.0421% | 1,713 |
| Pretax return on assets | 1.0421% | 2,314 |
| Return on Equity (ROE) | 12.1469% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.1469% | 582 |
| Net charge-offs to loans | -0.0224% | 3,973 |
| Credit loss provision to net charge-offs | -1,566.6667% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2143% | 3,659 |
| Assets per employee ($millions) | 7.5360% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 1,165 |
| Loan loss allowance to noncurrent loans | 436.9231% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,585 |
| Noncurrent loans to loans | 0.3765% | 2,141 |
| Net loans and leases to total assets | 45.0672% | 3,649 |
| Net loans and leases to deposits | 49.4146% | 3,783 |
| Net loans and leases to core deposits | 53.5053% | 3,630 |
| Total domestic deposits to total assets | 91.2022% | 932 |
| Equity capital to assets | 8.5651% | 3,107 |
| Core capital (leverage) ratio | 7.7118% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2115% | 2,522 |
| Memoranda: | ||
| Average total assets | $110,166,000 | 3,914 |
| Average earning assets | $100,300,000 | 3,931 |
| Average equity | $9,451,000 | 4,118 |
| Average total loans | $53,565,000 | 3,909 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 565 |
| Cost of funding earning assets | 0.3379% | 2,044 |
| Net interest margin | 4.2022% | 486 |
| Noninterest income to average assets | 0.5040% | 2,549 |
| Noninterest expense to average assets | 2.0546% | 3,517 |
| Loan and lease loss provision to assets | 0.2028% | 526 |
| Net operating income to assets | 1.9169% | 396 |
| Return on assets (ROA) | 2.0182% | 345 |
| Pretax return on assets | 2.2058% | 407 |
| Return on Equity (ROE) | 22.5718% | 196 |
| Retained earnings to average equity (ytd only) | 16.0703% | 170 |
| Net charge-offs to loans | -0.0085% | 3,687 |
| Credit loss provision to net charge-offs | -4,325.0000% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6773% | 4,515 |
| Assets per employee ($millions) | 6.7058% | 2,152 |
| Cash dividends to net income (ytd only)* | 28.8037% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,642 |
| Loan loss allowance to noncurrent loans | 634.1085% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 3,088 |
| Noncurrent loans to loans | 0.2331% | 2,794 |
| Net loans and leases to total assets | 50.8109% | 3,190 |
| Net loans and leases to deposits | 57.0162% | 3,337 |
| Net loans and leases to core deposits | 62.1343% | 3,152 |
| Total domestic deposits to total assets | 89.1166% | 1,448 |
| Equity capital to assets | 8.5934% | 3,996 |
| Core capital (leverage) ratio | 7.6640% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7787% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,322,200 | 4,149 |
| Average earning assets | $78,126,200 | 4,152 |
| Average equity | $7,629,000 | 4,364 |
| Average total loans | $47,199,800 | 4,052 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 352 |
| Cost of funding earning assets | 0.3537% | 2,080 |
| Net interest margin | 4.5447% | 290 |
| Noninterest income to average assets | 0.2288% | 4,032 |
| Noninterest expense to average assets | 2.0543% | 3,506 |
| Loan and lease loss provision to assets | 0.2067% | 488 |
| Net operating income to assets | 2.1311% | 373 |
| Return on assets (ROA) | 2.2848% | 294 |
| Pretax return on assets | 2.2848% | 479 |
| Return on Equity (ROE) | 25.2232% | 169 |
| Retained earnings to average equity (ytd only) | 23.4347% | 70 |
| Net charge-offs to loans | -0.0059% | 3,487 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2471% | 4,534 |
| Assets per employee ($millions) | 6.8487% | 1,979 |
| Cash dividends to net income (ytd only)* | 7.0906% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,094 |
| Loan loss allowance to noncurrent loans | 440.2516% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,084 |
| Noncurrent loans to loans | 0.3142% | 2,657 |
| Net loans and leases to total assets | 48.5739% | 3,565 |
| Net loans and leases to deposits | 53.6403% | 3,773 |
| Net loans and leases to core deposits | 58.6018% | 3,579 |
| Total domestic deposits to total assets | 90.5549% | 531 |
| Equity capital to assets | 9.1560% | 3,693 |
| Core capital (leverage) ratio | 8.1964% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6330% | 2,492 |
| Memoranda: | ||
| Average total assets | $79,829,750 | 4,272 |
| Average earning assets | $73,137,750 | 4,272 |
| Average equity | $7,231,250 | 4,465 |
| Average total loans | $45,166,250 | 4,143 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 107 |
| Cost of funding earning assets | 0.3727% | 2,110 |
| Net interest margin | 5.5293% | 95 |
| Noninterest income to average assets | 0.2826% | 3,732 |
| Noninterest expense to average assets | 2.2494% | 2,919 |
| Loan and lease loss provision to assets | 0.2161% | 499 |
| Net operating income to assets | 2.8727% | 145 |
| Return on assets (ROA) | 2.8727% | 146 |
| Pretax return on assets | 2.8727% | 216 |
| Return on Equity (ROE) | 31.8766% | 82 |
| Retained earnings to average equity (ytd only) | 28.8949% | 42 |
| Net charge-offs to loans | 0.0231% | 1,484 |
| Credit loss provision to net charge-offs | 1,560.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 468 |
| Efficiency ratio | 41.1002% | 4,718 |
| Assets per employee ($millions) | 6.3887% | 2,242 |
| Cash dividends to net income (ytd only)* | 9.3539% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,843 |
| Loan loss allowance to noncurrent loans | 307.1090% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 2,553 |
| Noncurrent loans to loans | 0.4665% | 2,276 |
| Net loans and leases to total assets | 58.1472% | 2,650 |
| Net loans and leases to deposits | 64.2048% | 2,977 |
| Net loans and leases to core deposits | 71.1824% | 2,672 |
| Total domestic deposits to total assets | 90.5653% | 531 |
| Equity capital to assets | 9.0668% | 3,743 |
| Core capital (leverage) ratio | 8.1179% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7941% | 2,435 |
| Memoranda: | ||
| Average total assets | $72,196,333 | 4,394 |
| Average earning assets | $66,011,667 | 4,394 |
| Average equity | $6,506,333 | 4,569 |
| Average total loans | $43,355,000 | 4,212 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8914% | 28 |
| Cost of funding earning assets | 0.3952% | 2,138 |
| Net interest margin | 7.4962% | 27 |
| Noninterest income to average assets | 0.2973% | 3,630 |
| Noninterest expense to average assets | 2.4242% | 2,418 |
| Loan and lease loss provision to assets | 0.2230% | 514 |
| Net operating income to assets | 4.4824% | 66 |
| Return on assets (ROA) | 4.4824% | 70 |
| Pretax return on assets | 4.4824% | 85 |
| Return on Equity (ROE) | 49.9045% | 30 |
| Retained earnings to average equity (ytd only) | 43.7301% | 24 |
| Net charge-offs to loans | -0.0283% | 4,146 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1997% | 4,883 |
| Assets per employee ($millions) | 6.2214% | 2,390 |
| Cash dividends to net income (ytd only)* | 12.3724% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,890 |
| Loan loss allowance to noncurrent loans | 300.4878% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,782 |
| Noncurrent loans to loans | 0.4712% | 2,443 |
| Net loans and leases to total assets | 57.4534% | 2,860 |
| Net loans and leases to deposits | 63.3977% | 3,178 |
| Net loans and leases to core deposits | 70.8378% | 2,799 |
| Total domestic deposits to total assets | 90.6238% | 533 |
| Equity capital to assets | 8.9114% | 3,776 |
| Core capital (leverage) ratio | 7.8258% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,962,500 | 4,439 |
| Average earning assets | $63,765,500 | 4,436 |
| Average equity | $6,284,000 | 4,610 |
| Average total loans | $42,419,500 | 4,249 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 544 |
| Cost of funding earning assets | 0.6300% | 2,118 |
| Net interest margin | 4.3157% | 494 |
| Noninterest income to average assets | 0.3293% | 3,485 |
| Noninterest expense to average assets | 2.4516% | 2,986 |
| Loan and lease loss provision to assets | 0.2414% | 1,614 |
| Net operating income to assets | 1.4982% | 816 |
| Return on assets (ROA) | 1.5965% | 699 |
| Pretax return on assets | 1.5965% | 1,081 |
| Return on Equity (ROE) | 16.4033% | 461 |
| Retained earnings to average equity (ytd only) | 9.8491% | 618 |
| Net charge-offs to loans | 0.1781% | 940 |
| Credit loss provision to net charge-offs | 194.4444% | 2,187 |
| Earnings coverage of net charge-offs (x) | 14.0139% | 2,245 |
| Efficiency ratio | 56.8490% | 3,879 |
| Assets per employee ($millions) | 5.4390% | 2,906 |
| Cash dividends to net income (ytd only)* | 39.9568% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 2,006 |
| Loan loss allowance to noncurrent loans | 302.6316% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 2,832 |
| Noncurrent loans to loans | 0.4597% | 2,590 |
| Net loans and leases to total assets | 62.4425% | 2,548 |
| Net loans and leases to deposits | 69.0798% | 2,974 |
| Net loans and leases to core deposits | 78.4822% | 2,514 |
| Total domestic deposits to total assets | 90.3919% | 416 |
| Equity capital to assets | 9.0626% | 4,004 |
| Core capital (leverage) ratio | 8.0276% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,002,000 | 4,541 |
| Average earning assets | $51,903,600 | 4,560 |
| Average equity | $5,645,200 | 4,682 |
| Average total loans | $40,424,800 | 4,300 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 440 |
| Cost of funding earning assets | 0.6783% | 2,150 |
| Net interest margin | 4.4903% | 387 |
| Noninterest income to average assets | 0.3322% | 3,493 |
| Noninterest expense to average assets | 2.5012% | 2,843 |
| Loan and lease loss provision to assets | 0.2332% | 1,743 |
| Net operating income to assets | 1.6042% | 720 |
| Return on assets (ROA) | 1.7394% | 588 |
| Pretax return on assets | 1.7394% | 890 |
| Return on Equity (ROE) | 17.5216% | 401 |
| Retained earnings to average equity (ytd only) | 12.1432% | 407 |
| Net charge-offs to loans | -0.0232% | 4,461 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0175% | 3,918 |
| Assets per employee ($millions) | 5.1967% | 3,024 |
| Cash dividends to net income (ytd only)* | 30.6958% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,509 |
| Loan loss allowance to noncurrent loans | 368.6747% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,110 |
| Noncurrent loans to loans | 0.3954% | 2,873 |
| Net loans and leases to total assets | 66.3374% | 2,477 |
| Net loans and leases to deposits | 73.6099% | 2,992 |
| Net loans and leases to core deposits | 84.1994% | 2,454 |
| Total domestic deposits to total assets | 90.1203% | 386 |
| Equity capital to assets | 9.2688% | 3,889 |
| Core capital (leverage) ratio | 8.2816% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,185,500 | 4,581 |
| Average earning assets | $50,121,750 | 4,604 |
| Average equity | $5,577,750 | 4,712 |
| Average total loans | $40,198,500 | 4,331 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 395 |
| Cost of funding earning assets | 0.7161% | 2,301 |
| Net interest margin | 4.6960% | 345 |
| Noninterest income to average assets | 0.3289% | 3,501 |
| Noninterest expense to average assets | 2.6161% | 2,609 |
| Loan and lease loss provision to assets | 0.2365% | 1,787 |
| Net operating income to assets | 1.6443% | 686 |
| Return on assets (ROA) | 1.6591% | 727 |
| Pretax return on assets | 1.6591% | 1,077 |
| Return on Equity (ROE) | 16.2967% | 518 |
| Retained earnings to average equity (ytd only) | 12.6671% | 389 |
| Net charge-offs to loans | -0.0303% | 4,548 |
| Credit loss provision to net charge-offs | -1,066.6667% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5325% | 3,882 |
| Assets per employee ($millions) | 5.1298% | 3,028 |
| Cash dividends to net income (ytd only)* | 22.2717% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,782 |
| Loan loss allowance to noncurrent loans | 228.9683% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 2,655 |
| Noncurrent loans to loans | 0.5890% | 2,391 |
| Net loans and leases to total assets | 68.5608% | 2,254 |
| Net loans and leases to deposits | 76.0117% | 2,864 |
| Net loans and leases to core deposits | 87.0922% | 2,343 |
| Total domestic deposits to total assets | 90.1977% | 346 |
| Equity capital to assets | 9.1834% | 3,938 |
| Core capital (leverage) ratio | 8.7438% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,127,333 | 4,636 |
| Average earning assets | $48,041,000 | 4,652 |
| Average equity | $5,510,333 | 4,745 |
| Average total loans | $39,604,667 | 4,359 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7496% | 234 |
| Cost of funding earning assets | 0.8084% | 2,332 |
| Net interest margin | 4.9412% | 217 |
| Noninterest income to average assets | 0.3650% | 3,327 |
| Noninterest expense to average assets | 2.8961% | 2,135 |
| Loan and lease loss provision to assets | 0.2539% | 1,222 |
| Net operating income to assets | 1.5314% | 723 |
| Return on assets (ROA) | 1.5631% | 744 |
| Pretax return on assets | 1.5631% | 1,148 |
| Return on Equity (ROE) | 14.4880% | 613 |
| Retained earnings to average equity (ytd only) | 7.1337% | 1,492 |
| Net charge-offs to loans | -0.0526% | 4,652 |
| Credit loss provision to net charge-offs | -640.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1695% | 3,716 |
| Assets per employee ($millions) | 3.8887% | 4,065 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,644 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,762 |
| Noncurrent loans to loans | 0.5620% | 2,593 |
| Net loans and leases to total assets | 74.9550% | 1,465 |
| Net loans and leases to deposits | 84.7772% | 2,132 |
| Net loans and leases to core deposits | 92.8589% | 2,081 |
| Total domestic deposits to total assets | 88.4141% | 921 |
| Equity capital to assets | 10.8164% | 3,034 |
| Core capital (leverage) ratio | 9.2348% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,412,500 | 4,705 |
| Average earning assets | $44,038,000 | 4,736 |
| Average equity | $5,439,000 | 4,792 |
| Average total loans | $38,016,500 | 4,413 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 675 |
| Cost of funding earning assets | 0.7300% | 3,016 |
| Net interest margin | 4.6616% | 508 |
| Noninterest income to average assets | 0.4076% | 3,249 |
| Noninterest expense to average assets | 2.9681% | 2,104 |
| Loan and lease loss provision to assets | 0.2502% | 730 |
| Net operating income to assets | 1.2994% | 1,689 |
| Return on assets (ROA) | 1.4245% | 1,332 |
| Pretax return on assets | 1.4245% | 2,067 |
| Return on Equity (ROE) | 13.5410% | 996 |
| Retained earnings to average equity (ytd only) | 5.7731% | 1,988 |
| Net charge-offs to loans | 0.0217% | 2,983 |
| Credit loss provision to net charge-offs | 1,550.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 702 |
| Efficiency ratio | 63.9125% | 3,083 |
| Assets per employee ($millions) | 4.5702% | 3,123 |
| Cash dividends to net income (ytd only)* | 57.3654% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 1,717 |
| Loan loss allowance to noncurrent loans | 135.2000% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 1,741 |
| Noncurrent loans to loans | 0.9974% | 1,520 |
| Net loans and leases to total assets | 73.7786% | 1,792 |
| Net loans and leases to deposits | 83.5586% | 2,374 |
| Net loans and leases to core deposits | 91.5825% | 2,269 |
| Total domestic deposits to total assets | 88.2957% | 982 |
| Equity capital to assets | 10.7615% | 3,212 |
| Core capital (leverage) ratio | 9.1455% | 4,408 |
| Tier 1 risk-based capital ratio | 10.4179% | 5,043 |
| Total risk-based capital ratio | 11.5826% | 5,004 |
| Memoranda: | ||
| Average total assets | $49,559,600 | 4,761 |
| Average earning assets | $43,697,600 | 4,791 |
| Average equity | $5,213,800 | 4,858 |
| Average total loans | $36,931,200 | 4,479 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3534% | 772 |
| Cost of funding earning assets | 0.6867% | 3,278 |
| Net interest margin | 4.6667% | 530 |
| Noninterest income to average assets | 0.4293% | 3,150 |
| Noninterest expense to average assets | 2.9052% | 2,250 |
| Loan and lease loss provision to assets | 0.2511% | 646 |
| Net operating income to assets | 1.4013% | 1,467 |
| Return on assets (ROA) | 1.5687% | 1,056 |
| Pretax return on assets | 1.5687% | 1,744 |
| Return on Equity (ROE) | 14.9988% | 776 |
| Retained earnings to average equity (ytd only) | 9.4485% | 911 |
| Net charge-offs to loans | -0.0109% | 4,402 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9668% | 3,330 |
| Assets per employee ($millions) | 4.1788% | 3,651 |
| Cash dividends to net income (ytd only)* | 37.0051% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,016 |
| Loan loss allowance to noncurrent loans | 202.9167% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 2,609 |
| Noncurrent loans to loans | 0.6354% | 2,383 |
| Net loans and leases to total assets | 74.3544% | 1,739 |
| Net loans and leases to deposits | 84.3228% | 2,417 |
| Net loans and leases to core deposits | 92.3879% | 2,329 |
| Total domestic deposits to total assets | 88.1783% | 961 |
| Equity capital to assets | 10.8386% | 3,261 |
| Core capital (leverage) ratio | 9.4846% | 4,179 |
| Tier 1 risk-based capital ratio | 10.4086% | 5,103 |
| Total risk-based capital ratio | 11.5130% | 5,063 |
| Memoranda: | ||
| Average total assets | $49,381,500 | 4,826 |
| Average earning assets | $43,684,750 | 4,861 |
| Average equity | $5,164,750 | 4,929 |
| Average total loans | $36,764,750 | 4,540 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 847 |
| Cost of funding earning assets | 0.7583% | 2,856 |
| Net interest margin | 4.5222% | 732 |
| Noninterest income to average assets | 0.4682% | 2,856 |
| Noninterest expense to average assets | 2.9312% | 2,192 |
| Loan and lease loss provision to assets | 0.2483% | 621 |
| Net operating income to assets | 1.2946% | 1,795 |
| Return on assets (ROA) | 1.5470% | 1,064 |
| Pretax return on assets | 1.5470% | 1,710 |
| Return on Equity (ROE) | 14.9763% | 767 |
| Retained earnings to average equity (ytd only) | 6.5029% | 2,052 |
| Net charge-offs to loans | -0.0110% | 4,352 |
| Credit loss provision to net charge-offs | -3,050.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6943% | 3,181 |
| Assets per employee ($millions) | 4.0823% | 3,764 |
| Cash dividends to net income (ytd only)* | 56.5789% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,531 |
| Loan loss allowance to noncurrent loans | 245.4054% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 2,996 |
| Noncurrent loans to loans | 0.4886% | 2,815 |
| Net loans and leases to total assets | 76.3595% | 1,497 |
| Net loans and leases to deposits | 90.7386% | 1,664 |
| Net loans and leases to core deposits | 97.0199% | 1,978 |
| Total domestic deposits to total assets | 84.1533% | 2,798 |
| Equity capital to assets | 10.6128% | 3,424 |
| Core capital (leverage) ratio | 9.9458% | 3,645 |
| Tier 1 risk-based capital ratio | 10.1385% | 5,206 |
| Total risk-based capital ratio | 11.1104% | 5,199 |
| Memoranda: | ||
| Average total assets | $49,127,000 | 4,867 |
| Average earning assets | $43,518,670 | 4,906 |
| Average equity | $5,074,670 | 4,977 |
| Average total loans | $36,429,000 | 4,582 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 700 |
| Cost of funding earning assets | 0.5547% | 3,802 |
| Net interest margin | 4.7892% | 420 |
| Noninterest income to average assets | 0.4585% | 2,802 |
| Noninterest expense to average assets | 3.0805% | 1,774 |
| Loan and lease loss provision to assets | 0.2704% | 514 |
| Net operating income to assets | 1.2698% | 1,814 |
| Return on assets (ROA) | 1.2698% | 1,862 |
| Pretax return on assets | 1.2698% | 2,570 |
| Return on Equity (ROE) | 12.8228% | 1,272 |
| Retained earnings to average equity (ytd only) | -6.7676% | 5,001 |
| Net charge-offs to loans | -0.0162% | 4,408 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1221% | 3,220 |
| Assets per employee ($millions) | 3.7278% | 4,307 |
| Cash dividends to net income (ytd only)* | 152.7778% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,468 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 2,441 |
| Noncurrent loans to loans | 0.7426% | 2,166 |
| Net loans and leases to total assets | 73.4873% | 1,902 |
| Net loans and leases to deposits | 86.6669% | 2,048 |
| Net loans and leases to core deposits | 91.2709% | 2,371 |
| Total domestic deposits to total assets | 84.7928% | 2,754 |
| Equity capital to assets | 10.1610% | 3,667 |
| Core capital (leverage) ratio | 8.3169% | 5,100 |
| Tier 1 risk-based capital ratio | 9.3131% | 5,336 |
| Total risk-based capital ratio | 10.1934% | 5,339 |
| Memoranda: | ||
| Average total assets | $34,020,500 | 5,146 |
| Average earning assets | $29,566,500 | 5,161 |
| Average equity | $3,369,000 | 5,214 |
| Average total loans | $24,689,500 | 4,913 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7327% | 5,306 |
| Cost of funding earning assets | 0.2366% | 4,868 |
| Net interest margin | 2.4962% | 5,217 |
| Noninterest income to average assets | 0.2015% | 4,702 |
| Noninterest expense to average assets | 1.5655% | 5,189 |
| Loan and lease loss provision to assets | 0.1085% | 2,027 |
| Net operating income to assets | 0.7192% | 4,084 |
| Return on assets (ROA) | 0.7192% | 4,088 |
| Pretax return on assets | 0.7192% | 4,366 |
| Return on Equity (ROE) | 8.3924% | 3,273 |
| Retained earnings to average equity (ytd only) | 8.3924% | 1,086 |
| Net charge-offs to loans | -0.0045% | 4,334 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8238% | 3,379 |
| Assets per employee ($millions) | 4.3114% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,913 |
| Loan loss allowance to noncurrent loans | 121.7617% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 2,372 |
| Noncurrent loans to loans | 0.7889% | 2,034 |
| Net loans and leases to total assets | 70.2502% | 2,530 |
| Net loans and leases to deposits | 82.3254% | 2,691 |
| Net loans and leases to core deposits | 87.9971% | 2,754 |
| Total domestic deposits to total assets | 85.3324% | 2,497 |
| Equity capital to assets | 9.6518% | 4,007 |
| Core capital (leverage) ratio | 8.4621% | 5,041 |
| Tier 1 risk-based capital ratio | 9.6456% | 5,359 |
| Total risk-based capital ratio | 10.4589% | 5,373 |
| Memoranda: | ||
| Average total assets | $32,257,200 | 5,217 |
| Average earning assets | $28,323,600 | 5,218 |
| Average equity | $2,764,400 | 5,298 |
| Average total loans | $22,235,800 | 5,022 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 672 |
| Cost of funding earning assets | 0.3483% | 4,191 |
| Net interest margin | 4.8189% | 365 |
| Noninterest income to average assets | 0.4459% | 3,197 |
| Noninterest expense to average assets | 3.3060% | 1,288 |
| Loan and lease loss provision to assets | 0.5552% | 190 |
| Net operating income to assets | 0.9422% | 3,343 |
| Return on assets (ROA) | 0.9422% | 3,345 |
| Pretax return on assets | 0.8328% | 4,216 |
| Return on Equity (ROE) | 11.3851% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.2670% | 833 |
| Net charge-offs to loans | 0.9287% | 152 |
| Credit loss provision to net charge-offs | 87.4172% | 2,449 |
| Earnings coverage of net charge-offs (x) | 2.1854% | 3,271 |
| Efficiency ratio | 69.5341% | 2,267 |
| Assets per employee ($millions) | 3.6563% | 4,365 |
| Cash dividends to net income (ytd only)* | 9.8205% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 4,094 |
| Loan loss allowance to noncurrent loans | 104.3478% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 2,296 |
| Noncurrent loans to loans | 0.8999% | 1,900 |
| Net loans and leases to total assets | 69.2467% | 2,769 |
| Net loans and leases to deposits | 86.2948% | 2,339 |
| Net loans and leases to core deposits | 88.4623% | 2,799 |
| Total domestic deposits to total assets | 80.2443% | 4,055 |
| Equity capital to assets | 9.8277% | 3,798 |
| Core capital (leverage) ratio | 8.5227% | 5,083 |
| Tier 1 risk-based capital ratio | 9.7949% | 5,413 |
| Total risk-based capital ratio | 10.5805% | 5,437 |
| Memoranda: | ||
| Average total assets | $31,698,750 | 5,288 |
| Average earning assets | $27,944,750 | 5,294 |
| Average equity | $2,623,250 | 5,381 |
| Average total loans | $21,678,500 | 5,097 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 739 |
| Cost of funding earning assets | 0.3314% | 4,197 |
| Net interest margin | 4.7117% | 423 |
| Noninterest income to average assets | 0.4665% | 3,055 |
| Noninterest expense to average assets | 3.3295% | 1,252 |
| Loan and lease loss provision to assets | 0.7477% | 126 |
| Net operating income to assets | 0.7349% | 4,087 |
| Return on assets (ROA) | 0.7349% | 4,082 |
| Pretax return on assets | 0.5688% | 4,786 |
| Return on Equity (ROE) | 9.5054% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.6870% | 1,761 |
| Net charge-offs to loans | 1.4315% | 87 |
| Credit loss provision to net charge-offs | 76.9737% | 2,291 |
| Earnings coverage of net charge-offs (x) | 1.3553% | 3,071 |
| Efficiency ratio | 71.6644% | 2,056 |
| Assets per employee ($millions) | 3.6010% | 4,469 |
| Cash dividends to net income (ytd only)* | 19.1304% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,369 |
| Loan loss allowance to noncurrent loans | 95.6938% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,296 |
| Noncurrent loans to loans | 0.9336% | 1,858 |
| Net loans and leases to total assets | 68.4594% | 2,799 |
| Net loans and leases to deposits | 78.7835% | 3,076 |
| Net loans and leases to core deposits | 80.6331% | 3,361 |
| Total domestic deposits to total assets | 86.8956% | 1,883 |
| Equity capital to assets | 7.6892% | 5,325 |
| Core capital (leverage) ratio | 8.3674% | 5,185 |
| Tier 1 risk-based capital ratio | 10.2120% | 5,367 |
| Total risk-based capital ratio | 10.9747% | 5,441 |
| Memoranda: | ||
| Average total assets | $31,296,000 | 5,357 |
| Average earning assets | $27,760,670 | 5,361 |
| Average equity | $2,419,670 | 5,455 |
| Average total loans | $21,237,000 | 5,169 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 777 |
| Cost of funding earning assets | 0.2791% | 4,514 |
| Net interest margin | 4.6710% | 426 |
| Noninterest income to average assets | 0.4685% | 3,002 |
| Noninterest expense to average assets | 3.4223% | 1,127 |
| Loan and lease loss provision to assets | 0.7677% | 118 |
| Net operating income to assets | 0.4164% | 4,899 |
| Return on assets (ROA) | 0.4164% | 4,903 |
| Pretax return on assets | 0.4164% | 5,012 |
| Return on Equity (ROE) | 5.3703% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.6782% | 4,443 |
| Net charge-offs to loans | 0.1549% | 911 |
| Credit loss provision to net charge-offs | 737.5000% | 461 |
| Earnings coverage of net charge-offs (x) | 11.3750% | 1,849 |
| Efficiency ratio | 74.2938% | 1,857 |
| Assets per employee ($millions) | 3.4186% | 4,769 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,845 |
| Loan loss allowance to noncurrent loans | 54.1667% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 737 |
| Noncurrent loans to loans | 2.5824% | 514 |
| Net loans and leases to total assets | 65.5248% | 3,112 |
| Net loans and leases to deposits | 72.0850% | 3,593 |
| Net loans and leases to core deposits | 73.7058% | 3,839 |
| Total domestic deposits to total assets | 90.8993% | 349 |
| Equity capital to assets | 7.6446% | 5,383 |
| Core capital (leverage) ratio | 8.2153% | 5,305 |
| Tier 1 risk-based capital ratio | 10.8589% | 5,217 |
| Total risk-based capital ratio | 12.0816% | 5,125 |
| Memoranda: | ||
| Average total assets | $30,739,500 | 5,420 |
| Average earning assets | $27,232,000 | 5,426 |
| Average equity | $2,383,500 | 5,516 |
| Average total loans | $20,662,000 | 5,239 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 1,323 |
| Cost of funding earning assets | 0.2681% | 4,414 |
| Net interest margin | 4.3766% | 816 |
| Noninterest income to average assets | 0.3715% | 3,812 |
| Noninterest expense to average assets | 3.4937% | 1,050 |
| Loan and lease loss provision to assets | 0.0705% | 2,794 |
| Net operating income to assets | 0.6757% | 3,702 |
| Return on assets (ROA) | 0.6629% | 3,804 |
| Pretax return on assets | 0.6629% | 4,598 |
| Return on Equity (ROE) | 8.6135% | 2,488 |
| Retained earnings to average equity (ytd only) | -3.4121% | 5,365 |
| Net charge-offs to loans | 0.0050% | 3,904 |
| Credit loss provision to net charge-offs | 2,200.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 355 |
| Efficiency ratio | 82.4018% | 899 |
| Assets per employee ($millions) | 3.4124% | 4,813 |
| Cash dividends to net income (ytd only)* | 139.6135% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,219 |
| Loan loss allowance to noncurrent loans | 45.1056% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 647 |
| Noncurrent loans to loans | 2.4954% | 538 |
| Net loans and leases to total assets | 67.2148% | 2,934 |
| Net loans and leases to deposits | 75.7319% | 3,354 |
| Net loans and leases to core deposits | 77.4771% | 3,630 |
| Total domestic deposits to total assets | 88.7536% | 1,115 |
| Equity capital to assets | 7.8634% | 5,436 |
| Core capital (leverage) ratio | 8.3155% | 5,272 |
| Tier 1 risk-based capital ratio | 10.5668% | 5,344 |
| Total risk-based capital ratio | 11.5483% | 5,368 |
| Memoranda: | ||
| Average total assets | $31,227,200 | 5,476 |
| Average earning assets | $27,601,600 | 5,474 |
| Average equity | $2,403,200 | 5,577 |
| Average total loans | $19,861,400 | 5,320 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 1,405 |
| Cost of funding earning assets | 0.2689% | 4,421 |
| Net interest margin | 4.3169% | 883 |
| Noninterest income to average assets | 0.3444% | 4,077 |
| Noninterest expense to average assets | 3.5378% | 936 |
| Loan and lease loss provision to assets | 0.0765% | 2,545 |
| Net operating income to assets | 0.5528% | 4,564 |
| Return on assets (ROA) | 0.5358% | 4,665 |
| Pretax return on assets | 0.5358% | 4,960 |
| Return on Equity (ROE) | 6.9993% | 3,662 |
| Retained earnings to average equity (ytd only) | -4.1662% | 5,525 |
| Net charge-offs to loans | -0.0136% | 4,734 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8980% | 694 |
| Assets per employee ($millions) | 3.3422% | 4,921 |
| Cash dividends to net income (ytd only)* | 159.5179% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,911 |
| Loan loss allowance to noncurrent loans | 110.3774% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 1,957 |
| Noncurrent loans to loans | 1.0909% | 1,770 |
| Net loans and leases to total assets | 63.8298% | 3,434 |
| Net loans and leases to deposits | 71.8455% | 3,790 |
| Net loans and leases to core deposits | 73.4507% | 4,026 |
| Total domestic deposits to total assets | 88.8431% | 952 |
| Equity capital to assets | 8.2081% | 5,435 |
| Core capital (leverage) ratio | 8.3492% | 5,342 |
| Tier 1 risk-based capital ratio | 11.2376% | 5,113 |
| Total risk-based capital ratio | 12.2741% | 5,122 |
| Memoranda: | ||
| Average total assets | $31,356,000 | 5,534 |
| Average earning assets | $27,766,000 | 5,531 |
| Average equity | $2,400,250 | 5,640 |
| Average total loans | $19,607,250 | 5,383 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 1,527 |
| Cost of funding earning assets | 0.2627% | 4,438 |
| Net interest margin | 4.2309% | 1,009 |
| Noninterest income to average assets | 0.3587% | 3,996 |
| Noninterest expense to average assets | 3.5430% | 946 |
| Loan and lease loss provision to assets | 0.0441% | 3,112 |
| Net operating income to assets | 0.5223% | 4,643 |
| Return on assets (ROA) | 0.5223% | 4,676 |
| Pretax return on assets | 0.5223% | 4,969 |
| Return on Equity (ROE) | 6.9826% | 3,561 |
| Retained earnings to average equity (ytd only) | -8.7493% | 5,629 |
| Net charge-offs to loans | -0.0203% | 4,790 |
| Credit loss provision to net charge-offs | -350.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2175% | 677 |
| Assets per employee ($millions) | 3.4749% | 4,758 |
| Cash dividends to net income (ytd only)* | 225.3012% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 3,308 |
| Loan loss allowance to noncurrent loans | 107.2115% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 2,018 |
| Noncurrent loans to loans | 1.0733% | 1,826 |
| Net loans and leases to total assets | 61.2522% | 3,715 |
| Net loans and leases to deposits | 70.8013% | 3,848 |
| Net loans and leases to core deposits | 72.3605% | 4,070 |
| Total domestic deposits to total assets | 86.5128% | 2,160 |
| Equity capital to assets | 7.7796% | 5,602 |
| Core capital (leverage) ratio | 8.0049% | 5,521 |
| Tier 1 risk-based capital ratio | 11.1269% | 5,189 |
| Total risk-based capital ratio | 12.1162% | 5,239 |
| Memoranda: | ||
| Average total assets | $31,781,330 | 5,575 |
| Average earning assets | $28,173,670 | 5,574 |
| Average equity | $2,377,330 | 5,690 |
| Average total loans | $19,665,000 | 5,421 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,530 |
| Cost of funding earning assets | 0.2255% | 4,746 |
| Net interest margin | 4.2137% | 959 |
| Noninterest income to average assets | 0.3996% | 3,664 |
| Noninterest expense to average assets | 3.6585% | 822 |
| Loan and lease loss provision to assets | 0.0624% | 2,560 |
| Net operating income to assets | 0.4120% | 4,916 |
| Return on assets (ROA) | 0.4120% | 4,940 |
| Pretax return on assets | 0.4120% | 5,144 |
| Return on Equity (ROE) | 5.6182% | 4,077 |
| Retained earnings to average equity (ytd only) | -22.4729% | 5,755 |
| Net charge-offs to loans | -0.0202% | 4,753 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5196% | 633 |
| Assets per employee ($millions) | 3.5102% | 4,782 |
| Cash dividends to net income (ytd only)* | 500.0000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,576 |
| Loan loss allowance to noncurrent loans | 105.7692% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 2,056 |
| Noncurrent loans to loans | 1.0604% | 1,934 |
| Net loans and leases to total assets | 61.3953% | 3,611 |
| Net loans and leases to deposits | 69.0888% | 3,884 |
| Net loans and leases to core deposits | 69.7924% | 4,161 |
| Total domestic deposits to total assets | 88.8643% | 1,217 |
| Equity capital to assets | 7.2518% | 5,725 |
| Core capital (leverage) ratio | 7.7599% | 5,645 |
| Tier 1 risk-based capital ratio | 10.8085% | 5,402 |
| Total risk-based capital ratio | 11.7673% | 5,455 |
| Memoranda: | ||
| Average total assets | $32,035,000 | 5,639 |
| Average earning assets | $28,383,500 | 5,632 |
| Average equity | $2,349,500 | 5,757 |
| Average total loans | $19,808,000 | 5,472 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,791 |
| Cost of funding earning assets | 0.2181% | 4,851 |
| Net interest margin | 4.1909% | 1,148 |
| Noninterest income to average assets | 0.4018% | 3,873 |
| Noninterest expense to average assets | 3.2143% | 1,758 |
| Loan and lease loss provision to assets | 0.2161% | 1,033 |
| Net operating income to assets | 0.7123% | 3,729 |
| Return on assets (ROA) | 0.7610% | 3,594 |
| Pretax return on assets | 0.7640% | 4,289 |
| Return on Equity (ROE) | 10.0531% | 1,935 |
| Retained earnings to average equity (ytd only) | 0.4423% | 5,146 |
| Net charge-offs to loans | 0.4098% | 649 |
| Credit loss provision to net charge-offs | 85.5422% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.6867% | 3,622 |
| Efficiency ratio | 77.5330% | 1,766 |
| Assets per employee ($millions) | 3.2478% | 5,100 |
| Cash dividends to net income (ytd only)* | 95.6000% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,892 |
| Loan loss allowance to noncurrent loans | 102.8846% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 2,154 |
| Noncurrent loans to loans | 1.0400% | 2,000 |
| Net loans and leases to total assets | 60.9212% | 3,743 |
| Net loans and leases to deposits | 69.0755% | 4,000 |
| Net loans and leases to core deposits | 69.7648% | 4,262 |
| Total domestic deposits to total assets | 88.1951% | 1,538 |
| Equity capital to assets | 7.4142% | 5,730 |
| Core capital (leverage) ratio | 8.0017% | 5,620 |
| Tier 1 risk-based capital ratio | 11.0500% | 5,317 |
| Total risk-based capital ratio | 11.9553% | 5,398 |
| Memoranda: | ||
| Average total assets | $32,853,000 | 5,678 |
| Average earning assets | $29,349,600 | 5,673 |
| Average equity | $2,486,800 | 5,802 |
| Average total loans | $20,252,800 | 5,515 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 1,818 |
| Cost of funding earning assets | 0.2257% | 4,831 |
| Net interest margin | 4.1886% | 1,149 |
| Noninterest income to average assets | 0.4087% | 3,856 |
| Noninterest expense to average assets | 3.2820% | 1,604 |
| Loan and lease loss provision to assets | 0.2873% | 606 |
| Net operating income to assets | 0.5915% | 4,325 |
| Return on assets (ROA) | 0.6556% | 4,176 |
| Pretax return on assets | 0.6596% | 4,713 |
| Return on Equity (ROE) | 8.6172% | 2,704 |
| Retained earnings to average equity (ytd only) | -4.0958% | 5,699 |
| Net charge-offs to loans | 0.5447% | 385 |
| Credit loss provision to net charge-offs | 85.5422% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.6266% | 3,542 |
| Efficiency ratio | 78.8144% | 1,575 |
| Assets per employee ($millions) | 3.2114% | 5,162 |
| Cash dividends to net income (ytd only)* | 147.5346% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,006 |
| Loan loss allowance to noncurrent loans | 102.8846% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 2,339 |
| Noncurrent loans to loans | 1.0424% | 2,155 |
| Net loans and leases to total assets | 61.4685% | 3,693 |
| Net loans and leases to deposits | 67.7233% | 4,178 |
| Net loans and leases to core deposits | 68.3778% | 4,434 |
| Total domestic deposits to total assets | 90.7642% | 252 |
| Equity capital to assets | 7.8906% | 5,773 |
| Core capital (leverage) ratio | 7.8850% | 5,727 |
| Tier 1 risk-based capital ratio | 10.6881% | 5,529 |
| Total risk-based capital ratio | 11.5943% | 5,606 |
| Memoranda: | ||
| Average total assets | $32,946,750 | 5,735 |
| Average earning assets | $29,540,000 | 5,727 |
| Average equity | $2,506,500 | 5,863 |
| Average total loans | $20,316,000 | 5,566 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 1,818 |
| Cost of funding earning assets | 0.2279% | 4,867 |
| Net interest margin | 4.1766% | 1,166 |
| Noninterest income to average assets | 0.4033% | 3,853 |
| Noninterest expense to average assets | 3.2928% | 1,605 |
| Loan and lease loss provision to assets | 0.0241% | 3,648 |
| Net operating income to assets | 0.8316% | 3,169 |
| Return on assets (ROA) | 0.9150% | 2,924 |
| Pretax return on assets | 0.9210% | 3,872 |
| Return on Equity (ROE) | 12.1730% | 1,250 |
| Retained earnings to average equity (ytd only) | -4.7250% | 5,740 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2754% | 1,596 |
| Assets per employee ($millions) | 3.2130% | 5,187 |
| Cash dividends to net income (ytd only)* | 138.8158% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,722 |
| Loan loss allowance to noncurrent loans | 72.7848% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 1,979 |
| Noncurrent loans to loans | 1.5657% | 1,373 |
| Net loans and leases to total assets | 62.1008% | 3,616 |
| Net loans and leases to deposits | 68.5340% | 4,131 |
| Net loans and leases to core deposits | 69.4888% | 4,364 |
| Total domestic deposits to total assets | 90.6131% | 290 |
| Equity capital to assets | 8.0237% | 5,801 |
| Core capital (leverage) ratio | 7.9118% | 5,776 |
| Tier 1 risk-based capital ratio | 10.7937% | 5,529 |
| Total risk-based capital ratio | 11.7699% | 5,579 |
| Memoranda: | ||
| Average total assets | $33,224,330 | 5,794 |
| Average earning assets | $29,832,670 | 5,792 |
| Average equity | $2,497,330 | 5,939 |
| Average total loans | $20,436,670 | 5,622 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 1,944 |
| Cost of funding earning assets | 0.2244% | 4,953 |
| Net interest margin | 4.1325% | 1,253 |
| Noninterest income to average assets | 0.4264% | 3,637 |
| Noninterest expense to average assets | 3.4822% | 1,216 |
| Loan and lease loss provision to assets | 0.0355% | 3,189 |
| Net operating income to assets | 0.6052% | 4,156 |
| Return on assets (ROA) | 0.6633% | 4,038 |
| Pretax return on assets | 0.6751% | 4,607 |
| Return on Equity (ROE) | 9.1168% | 2,361 |
| Retained earnings to average equity (ytd only) | -18.0708% | 5,947 |
| Net charge-offs to loans | -0.0195% | 4,838 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2407% | 1,132 |
| Assets per employee ($millions) | 3.2096% | 5,269 |
| Cash dividends to net income (ytd only)* | 298.2143% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,737 |
| Loan loss allowance to noncurrent loans | 71.8750% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 2,034 |
| Noncurrent loans to loans | 1.6063% | 1,438 |
| Net loans and leases to total assets | 61.3534% | 3,615 |
| Net loans and leases to deposits | 67.3530% | 4,120 |
| Net loans and leases to core deposits | 69.2478% | 4,293 |
| Total domestic deposits to total assets | 91.0923% | 243 |
| Equity capital to assets | 7.5742% | 5,935 |
| Core capital (leverage) ratio | 7.4543% | 5,931 |
| Tier 1 risk-based capital ratio | 11.0716% | 5,469 |
| Total risk-based capital ratio | 12.0939% | 5,494 |
| Memoranda: | ||
| Average total assets | $33,771,500 | 5,840 |
| Average earning assets | $30,296,500 | 5,843 |
| Average equity | $2,457,000 | 5,998 |
| Average total loans | $20,563,500 | 5,663 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,279 |
| Cost of funding earning assets | 0.2398% | 4,895 |
| Net interest margin | 4.0411% | 1,589 |
| Noninterest income to average assets | 0.4233% | 3,866 |
| Noninterest expense to average assets | 3.0418% | 2,407 |
| Loan and lease loss provision to assets | 0.2481% | 767 |
| Net operating income to assets | 0.7736% | 3,450 |
| Return on assets (ROA) | 0.7794% | 3,497 |
| Pretax return on assets | 0.7794% | 4,260 |
| Return on Equity (ROE) | 11.3308% | 1,491 |
| Retained earnings to average equity (ytd only) | -0.1698% | 5,536 |
| Net charge-offs to loans | 0.5497% | 456 |
| Credit loss provision to net charge-offs | 75.2212% | 3,033 |
| Earnings coverage of net charge-offs (x) | 3.0973% | 3,776 |
| Efficiency ratio | 74.8563% | 2,447 |
| Assets per employee ($millions) | 3.5447% | 4,737 |
| Cash dividends to net income (ytd only)* | 101.4981% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 4,235 |
| Loan loss allowance to noncurrent loans | 69.5385% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 2,198 |
| Noncurrent loans to loans | 1.5327% | 1,513 |
| Net loans and leases to total assets | 59.1841% | 3,940 |
| Net loans and leases to deposits | 69.2605% | 3,993 |
| Net loans and leases to core deposits | 72.8691% | 4,050 |
| Total domestic deposits to total assets | 85.4515% | 2,884 |
| Equity capital to assets | 7.0048% | 6,058 |
| Core capital (leverage) ratio | 7.5829% | 5,956 |
| Tier 1 risk-based capital ratio | 10.7321% | 5,654 |
| Total risk-based capital ratio | 11.6643% | 5,738 |
| Memoranda: | ||
| Average total assets | $34,256,000 | 5,884 |
| Average earning assets | $30,857,800 | 5,884 |
| Average equity | $2,356,400 | 6,066 |
| Average total loans | $20,556,800 | 5,700 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,232 |
| Cost of funding earning assets | 0.2439% | 4,947 |
| Net interest margin | 4.0557% | 1,542 |
| Noninterest income to average assets | 0.4005% | 4,085 |
| Noninterest expense to average assets | 3.1096% | 2,200 |
| Loan and lease loss provision to assets | 0.3337% | 410 |
| Net operating income to assets | 0.6125% | 4,317 |
| Return on assets (ROA) | 0.6164% | 4,411 |
| Pretax return on assets | 0.6164% | 4,937 |
| Return on Equity (ROE) | 9.0044% | 2,578 |
| Retained earnings to average equity (ytd only) | -4.1295% | 5,998 |
| Net charge-offs to loans | 0.7387% | 282 |
| Credit loss provision to net charge-offs | 75.2212% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.1328% | 3,728 |
| Efficiency ratio | 76.6699% | 2,133 |
| Assets per employee ($millions) | 3.3739% | 5,024 |
| Cash dividends to net income (ytd only)* | 145.8606% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 4,182 |
| Loan loss allowance to noncurrent loans | 164.9635% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 2,750 |
| Noncurrent loans to loans | 0.6717% | 3,316 |
| Net loans and leases to total assets | 59.7795% | 3,908 |
| Net loans and leases to deposits | 65.6479% | 4,415 |
| Net loans and leases to core deposits | 69.2545% | 4,444 |
| Total domestic deposits to total assets | 91.0608% | 230 |
| Equity capital to assets | 6.8911% | 6,159 |
| Core capital (leverage) ratio | 7.3804% | 6,080 |
| Tier 1 risk-based capital ratio | 10.6430% | 5,827 |
| Total risk-based capital ratio | 11.5923% | 5,875 |
| Memoranda: | ||
| Average total assets | $33,958,250 | 5,970 |
| Average earning assets | $30,606,000 | 5,972 |
| Average equity | $2,324,750 | 6,153 |
| Average total loans | $20,394,750 | 5,774 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,301 |
| Cost of funding earning assets | 0.2478% | 4,964 |
| Net interest margin | 4.0171% | 1,592 |
| Noninterest income to average assets | 0.4055% | 4,048 |
| Noninterest expense to average assets | 3.0560% | 2,381 |
| Loan and lease loss provision to assets | 0.4878% | 209 |
| Net operating income to assets | 0.4819% | 4,842 |
| Return on assets (ROA) | 0.4878% | 4,920 |
| Pretax return on assets | 0.4878% | 5,260 |
| Return on Equity (ROE) | 7.1408% | 3,533 |
| Retained earnings to average equity (ytd only) | -9.5497% | 6,170 |
| Net charge-offs to loans | 1.0885% | 181 |
| Credit loss provision to net charge-offs | 74.7748% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.4865% | 3,506 |
| Efficiency ratio | 75.9124% | 2,373 |
| Assets per employee ($millions) | 3.4573% | 4,875 |
| Cash dividends to net income (ytd only)* | 233.7349% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 4,359 |
| Loan loss allowance to noncurrent loans | 243.0108% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 3,251 |
| Noncurrent loans to loans | 0.4498% | 4,122 |
| Net loans and leases to total assets | 59.1560% | 3,951 |
| Net loans and leases to deposits | 64.3387% | 4,505 |
| Net loans and leases to core deposits | 68.8898% | 4,421 |
| Total domestic deposits to total assets | 91.9446% | 130 |
| Equity capital to assets | 6.5340% | 6,243 |
| Core capital (leverage) ratio | 7.1975% | 6,153 |
| Tier 1 risk-based capital ratio | 10.4872% | 5,927 |
| Total risk-based capital ratio | 11.4371% | 5,973 |
| Memoranda: | ||
| Average total assets | $34,031,330 | 6,033 |
| Average earning assets | $30,669,000 | 6,035 |
| Average equity | $2,324,670 | 6,226 |
| Average total loans | $20,394,670 | 5,831 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,319 |
| Cost of funding earning assets | 0.2632% | 4,870 |
| Net interest margin | 3.9741% | 1,644 |
| Noninterest income to average assets | 0.4028% | 3,983 |
| Noninterest expense to average assets | 3.3175% | 1,678 |
| Loan and lease loss provision to assets | 0.9479% | 90 |
| Net operating income to assets | -0.2844% | 6,182 |
| Return on assets (ROA) | -0.2607% | 6,195 |
| Pretax return on assets | -0.2607% | 6,178 |
| Return on Equity (ROE) | -3.7328% | 6,236 |
| Retained earnings to average equity (ytd only) | -34.2736% | 6,354 |
| Net charge-offs to loans | 2.1725% | 80 |
| Credit loss provision to net charge-offs | 72.7273% | 1,889 |
| Earnings coverage of net charge-offs (x) | 0.5091% | 3,039 |
| Efficiency ratio | 83.3333% | 1,449 |
| Assets per employee ($millions) | 3.8149% | 4,314 |
| Cash dividends to net income (ytd only)* | -818.1818% | 6,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 4,348 |
| Loan loss allowance to noncurrent loans | 238.2979% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 3,321 |
| Noncurrent loans to loans | 0.4761% | 4,153 |
| Net loans and leases to total assets | 56.8504% | 4,108 |
| Net loans and leases to deposits | 63.2543% | 4,460 |
| Net loans and leases to core deposits | 67.2883% | 4,403 |
| Total domestic deposits to total assets | 89.8759% | 798 |
| Equity capital to assets | 6.5795% | 6,301 |
| Core capital (leverage) ratio | 6.9742% | 6,240 |
| Tier 1 risk-based capital ratio | 10.3665% | 6,056 |
| Total risk-based capital ratio | 11.3325% | 6,095 |
| Memoranda: | ||
| Average total assets | $33,760,500 | 6,102 |
| Average earning assets | $30,396,500 | 6,102 |
| Average equity | $2,357,500 | 6,283 |
| Average total loans | $20,253,000 | 5,887 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 3,190 |
| Cost of funding earning assets | 0.2866% | 4,934 |
| Net interest margin | 3.8468% | 2,437 |
| Noninterest income to average assets | 0.4210% | 4,031 |
| Noninterest expense to average assets | 2.9525% | 2,991 |
| Loan and lease loss provision to assets | 0.1667% | 1,572 |
| Net operating income to assets | 0.7911% | 3,421 |
| Return on assets (ROA) | 0.8109% | 3,405 |
| Pretax return on assets | 0.8109% | 4,215 |
| Return on Equity (ROE) | 13.2821% | 1,080 |
| Retained earnings to average equity (ytd only) | -0.2777% | 5,814 |
| Net charge-offs to loans | 0.3196% | 1,383 |
| Credit loss provision to net charge-offs | 92.1875% | 2,596 |
| Earnings coverage of net charge-offs (x) | 5.2969% | 3,460 |
| Efficiency ratio | 75.5058% | 2,594 |
| Assets per employee ($millions) | 3.6947% | 4,539 |
| Cash dividends to net income (ytd only)* | 102.0906% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 5,442 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 3,270 |
| Noncurrent loans to loans | 0.5394% | 4,041 |
| Net loans and leases to total assets | 61.8730% | 3,518 |
| Net loans and leases to deposits | 67.8271% | 4,143 |
| Net loans and leases to core deposits | 72.2326% | 4,099 |
| Total domestic deposits to total assets | 91.2216% | 295 |
| Equity capital to assets | 7.5815% | 6,214 |
| Core capital (leverage) ratio | 7.8370% | 6,082 |
| Tier 1 risk-based capital ratio | 10.6776% | 6,033 |
| Total risk-based capital ratio | 11.4331% | 6,155 |
| Memoranda: | ||
| Average total assets | $35,393,600 | 6,149 |
| Average earning assets | $32,104,800 | 6,139 |
| Average equity | $2,160,800 | 6,384 |
| Average total loans | $20,024,400 | 5,958 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,456 |
| Cost of funding earning assets | 0.2903% | 4,987 |
| Net interest margin | 3.7898% | 2,658 |
| Noninterest income to average assets | 0.4416% | 3,949 |
| Noninterest expense to average assets | 2.9576% | 2,940 |
| Loan and lease loss provision to assets | 0.1076% | 2,246 |
| Net operating income to assets | 0.8164% | 3,359 |
| Return on assets (ROA) | 0.8387% | 3,328 |
| Pretax return on assets | 0.8387% | 4,223 |
| Return on Equity (ROE) | 14.5517% | 895 |
| Retained earnings to average equity (ytd only) | -2.0606% | 6,077 |
| Net charge-offs to loans | 0.4301% | 921 |
| Credit loss provision to net charge-offs | 45.3125% | 3,193 |
| Earnings coverage of net charge-offs (x) | 3.8907% | 3,575 |
| Efficiency ratio | 76.1950% | 2,461 |
| Assets per employee ($millions) | 4.0338% | 3,803 |
| Cash dividends to net income (ytd only)* | 114.1572% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 5,906 |
| Loan loss allowance to noncurrent loans | 244.6154% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 4,100 |
| Noncurrent loans to loans | 0.3213% | 4,947 |
| Net loans and leases to total assets | 55.2859% | 4,424 |
| Net loans and leases to deposits | 66.1383% | 4,314 |
| Net loans and leases to core deposits | 70.4320% | 4,286 |
| Total domestic deposits to total assets | 83.5913% | 3,921 |
| Equity capital to assets | 6.5998% | 6,432 |
| Core capital (leverage) ratio | 7.4235% | 6,308 |
| Tier 1 risk-based capital ratio | 10.5842% | 6,179 |
| Total risk-based capital ratio | 11.2205% | 6,318 |
| Memoranda: | ||
| Average total assets | $35,929,000 | 6,205 |
| Average earning assets | $32,613,250 | 6,203 |
| Average equity | $2,070,750 | 6,468 |
| Average total loans | $19,839,750 | 6,035 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,586 |
| Cost of funding earning assets | 0.2886% | 5,090 |
| Net interest margin | 3.7514% | 2,753 |
| Noninterest income to average assets | 0.4580% | 3,806 |
| Noninterest expense to average assets | 3.0164% | 2,776 |
| Loan and lease loss provision to assets | 0.0950% | 2,443 |
| Net operating income to assets | 0.7597% | 3,517 |
| Return on assets (ROA) | 0.7932% | 3,464 |
| Pretax return on assets | 0.7932% | 4,300 |
| Return on Equity (ROE) | 14.4726% | 877 |
| Retained earnings to average equity (ytd only) | -2.5480% | 6,053 |
| Net charge-offs to loans | 0.6697% | 570 |
| Credit loss provision to net charge-offs | 25.7576% | 3,109 |
| Earnings coverage of net charge-offs (x) | 2.3182% | 3,577 |
| Efficiency ratio | 77.9221% | 2,299 |
| Assets per employee ($millions) | 3.8502% | 4,157 |
| Cash dividends to net income (ytd only)* | 117.6056% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 6,114 |
| Loan loss allowance to noncurrent loans | 230.1587% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 4,170 |
| Noncurrent loans to loans | 0.3213% | 5,044 |
| Net loans and leases to total assets | 56.1584% | 4,264 |
| Net loans and leases to deposits | 61.0127% | 4,783 |
| Net loans and leases to core deposits | 62.6832% | 4,918 |
| Total domestic deposits to total assets | 92.0437% | 166 |
| Equity capital to assets | 6.8048% | 6,469 |
| Core capital (leverage) ratio | 7.5517% | 6,300 |
| Tier 1 risk-based capital ratio | 11.0325% | 6,041 |
| Total risk-based capital ratio | 11.6357% | 6,242 |
| Memoranda: | ||
| Average total assets | $35,804,000 | 6,269 |
| Average earning assets | $32,574,330 | 6,265 |
| Average equity | $1,962,330 | 6,541 |
| Average total loans | $19,709,670 | 6,090 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,474 |
| Cost of funding earning assets | 0.3023% | 5,044 |
| Net interest margin | 3.7483% | 2,683 |
| Noninterest income to average assets | 0.3958% | 4,220 |
| Noninterest expense to average assets | 2.9247% | 3,140 |
| Loan and lease loss provision to assets | 0.1319% | 1,841 |
| Net operating income to assets | 0.7477% | 3,431 |
| Return on assets (ROA) | 0.7477% | 3,513 |
| Pretax return on assets | 0.7477% | 4,322 |
| Return on Equity (ROE) | 15.4151% | 717 |
| Retained earnings to average equity (ytd only) | -12.9215% | 6,437 |
| Net charge-offs to loans | 0.0405% | 2,819 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 874 |
| Efficiency ratio | 76.8786% | 2,664 |
| Assets per employee ($millions) | 4.0509% | 3,821 |
| Cash dividends to net income (ytd only)* | 183.8235% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,143 |
| Loan loss allowance to noncurrent loans | 98.5507% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 3,522 |
| Noncurrent loans to loans | 1.1099% | 3,201 |
| Net loans and leases to total assets | 50.5952% | 4,842 |
| Net loans and leases to deposits | 55.5770% | 5,148 |
| Net loans and leases to core deposits | 57.4821% | 5,239 |
| Total domestic deposits to total assets | 91.0363% | 558 |
| Equity capital to assets | 5.0195% | 6,634 |
| Core capital (leverage) ratio | 6.4660% | 6,540 |
| Tier 1 risk-based capital ratio | 10.0004% | 6,479 |
| Total risk-based capital ratio | 10.8798% | 6,512 |
| Memoranda: | ||
| Average total assets | $36,380,000 | 6,317 |
| Average earning assets | $33,082,000 | 6,311 |
| Average equity | $1,764,500 | 6,635 |
| Average total loans | $19,762,000 | 6,142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 3,772 |
| Cost of funding earning assets | 0.3340% | 5,290 |
| Net interest margin | 3.7576% | 2,811 |
| Noninterest income to average assets | 0.3984% | 4,454 |
| Noninterest expense to average assets | 2.9362% | 3,249 |
| Loan and lease loss provision to assets | 0.0924% | 3,263 |
| Net operating income to assets | 0.7478% | 3,564 |
| Return on assets (ROA) | 0.8719% | 3,004 |
| Pretax return on assets | 0.8719% | 3,883 |
| Return on Equity (ROE) | 15.6655% | 664 |
| Retained earnings to average equity (ytd only) | -6.7434% | 6,448 |
| Net charge-offs to loans | 0.3562% | 1,895 |
| Credit loss provision to net charge-offs | 46.3768% | 3,908 |
| Earnings coverage of net charge-offs (x) | 4.2174% | 3,633 |
| Efficiency ratio | 77.7523% | 2,500 |
| Assets per employee ($millions) | 3.6302% | 4,612 |
| Cash dividends to net income (ytd only)* | 143.0464% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 5,824 |
| Loan loss allowance to noncurrent loans | 51.4589% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 2,713 |
| Noncurrent loans to loans | 1.8061% | 2,226 |
| Net loans and leases to total assets | 56.9666% | 4,195 |
| Net loans and leases to deposits | 67.9771% | 4,059 |
| Net loans and leases to core deposits | 71.1337% | 4,170 |
| Total domestic deposits to total assets | 83.8025% | 4,245 |
| Equity capital to assets | 4.6802% | 6,708 |
| Core capital (leverage) ratio | 6.8856% | 6,544 |
| Tier 1 risk-based capital ratio | 9.3144% | 6,626 |
| Total risk-based capital ratio | 10.0749% | 6,666 |
| Memoranda: | ||
| Average total assets | $34,637,000 | 6,423 |
| Average earning assets | $31,136,600 | 6,417 |
| Average equity | $1,927,800 | 6,697 |
| Average total loans | $19,371,600 | 6,234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,803 |
| Cost of funding earning assets | 0.3387% | 5,397 |
| Net interest margin | 3.7518% | 2,839 |
| Noninterest income to average assets | 0.4364% | 4,258 |
| Noninterest expense to average assets | 3.0195% | 2,925 |
| Loan and lease loss provision to assets | 0.0662% | 3,730 |
| Net operating income to assets | 0.7169% | 3,771 |
| Return on assets (ROA) | 0.8844% | 3,025 |
| Pretax return on assets | 0.8844% | 3,948 |
| Return on Equity (ROE) | 15.2474% | 763 |
| Retained earnings to average equity (ytd only) | -13.7698% | 6,691 |
| Net charge-offs to loans | 0.3860% | 1,663 |
| Credit loss provision to net charge-offs | 30.9091% | 3,879 |
| Earnings coverage of net charge-offs (x) | 3.6546% | 3,643 |
| Efficiency ratio | 79.4057% | 2,206 |
| Assets per employee ($millions) | 3.4072% | 5,049 |
| Cash dividends to net income (ytd only)* | 190.3093% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 5,757 |
| Loan loss allowance to noncurrent loans | 78.1377% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 4,257 |
| Noncurrent loans to loans | 1.2726% | 3,280 |
| Net loans and leases to total assets | 56.3982% | 4,264 |
| Net loans and leases to deposits | 62.4180% | 4,702 |
| Net loans and leases to core deposits | 65.2806% | 4,775 |
| Total domestic deposits to total assets | 90.3557% | 816 |
| Equity capital to assets | 4.8016% | 6,780 |
| Core capital (leverage) ratio | 6.6281% | 6,648 |
| Tier 1 risk-based capital ratio | 9.7923% | 6,640 |
| Total risk-based capital ratio | 10.6137% | 6,676 |
| Memoranda: | ||
| Average total assets | $34,220,750 | 6,501 |
| Average earning assets | $30,704,500 | 6,499 |
| Average equity | $1,985,000 | 6,771 |
| Average total loans | $18,996,000 | 6,316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 4,034 |
| Cost of funding earning assets | 0.3457% | 5,449 |
| Net interest margin | 3.6725% | 3,075 |
| Noninterest income to average assets | 0.4552% | 4,127 |
| Noninterest expense to average assets | 2.9763% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7645% | 3,497 |
| Return on assets (ROA) | 0.8579% | 3,152 |
| Pretax return on assets | 0.8579% | 4,082 |
| Return on Equity (ROE) | 13.9911% | 1,011 |
| Retained earnings to average equity (ytd only) | -23.6993% | 6,821 |
| Net charge-offs to loans | 0.0954% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.5556% | 1,820 |
| Efficiency ratio | 79.5632% | 2,216 |
| Assets per employee ($millions) | 3.4535% | 4,951 |
| Cash dividends to net income (ytd only)* | 269.3878% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 5,258 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 3,175 |
| Noncurrent loans to loans | 2.2921% | 2,064 |
| Net loans and leases to total assets | 55.4481% | 4,381 |
| Net loans and leases to deposits | 60.7866% | 4,888 |
| Net loans and leases to core deposits | 62.0673% | 5,087 |
| Total domestic deposits to total assets | 91.2176% | 473 |
| Equity capital to assets | 5.0818% | 6,821 |
| Core capital (leverage) ratio | 6.6013% | 6,683 |
| Tier 1 risk-based capital ratio | 9.5373% | 6,714 |
| Total risk-based capital ratio | 10.4754% | 6,740 |
| Memoranda: | ||
| Average total assets | $34,270,330 | 6,545 |
| Average earning assets | $30,660,000 | 6,548 |
| Average equity | $2,101,330 | 6,803 |
| Average total loans | $18,858,330 | 6,361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,972 |
| Cost of funding earning assets | 0.3538% | 5,494 |
| Net interest margin | 3.6822% | 2,939 |
| Noninterest income to average assets | 0.4570% | 4,072 |
| Noninterest expense to average assets | 2.7418% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0077% | 2,190 |
| Return on assets (ROA) | 1.0077% | 2,306 |
| Pretax return on assets | 1.0077% | 3,312 |
| Return on Equity (ROE) | 15.1242% | 738 |
| Retained earnings to average equity (ytd only) | -46.4278% | 6,957 |
| Net charge-offs to loans | 0.1290% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,458 |
| Efficiency ratio | 73.1250% | 3,424 |
| Assets per employee ($millions) | 3.5067% | 4,967 |
| Cash dividends to net income (ytd only)* | 406.9767% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 4,761 |
| Loan loss allowance to noncurrent loans | 77.3196% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 4,270 |
| Noncurrent loans to loans | 1.6674% | 3,043 |
| Net loans and leases to total assets | 49.1260% | 5,098 |
| Net loans and leases to deposits | 52.9004% | 5,533 |
| Net loans and leases to core deposits | 53.9778% | 5,667 |
| Total domestic deposits to total assets | 92.8651% | 137 |
| Equity capital to assets | 6.1226% | 6,817 |
| Core capital (leverage) ratio | 6.2314% | 6,774 |
| Tier 1 risk-based capital ratio | 10.3198% | 6,631 |
| Total risk-based capital ratio | 11.3550% | 6,663 |
| Memoranda: | ||
| Average total assets | $34,138,000 | 6,612 |
| Average earning assets | $30,525,500 | 6,612 |
| Average equity | $2,274,500 | 6,848 |
| Average total loans | $18,602,000 | 6,422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 2,793 |
| Cost of funding earning assets | 0.4611% | 5,491 |
| Net interest margin | 4.1891% | 1,690 |
| Noninterest income to average assets | 0.2875% | 5,410 |
| Noninterest expense to average assets | 3.2887% | 2,374 |
| Loan and lease loss provision to assets | 0.2275% | 2,857 |
| Net operating income to assets | 0.4739% | 4,787 |
| Return on assets (ROA) | 1.9208% | 457 |
| Pretax return on assets | 1.9208% | 713 |
| Return on Equity (ROE) | 25.2115% | 121 |
| Retained earnings to average equity (ytd only) | 7.2151% | 1,463 |
| Net charge-offs to loans | 0.1222% | 4,458 |
| Credit loss provision to net charge-offs | 313.0435% | 774 |
| Earnings coverage of net charge-offs (x) | 9.6522% | 2,241 |
| Efficiency ratio | 82.4228% | 1,816 |
| Assets per employee ($millions) | 3.3209% | 5,380 |
| Cash dividends to net income (ytd only)* | 71.3816% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,268 |
| Loan loss allowance to noncurrent loans | 83.0935% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 4,340 |
| Noncurrent loans to loans | 1.4075% | 3,489 |
| Net loans and leases to total assets | 58.7823% | 3,843 |
| Net loans and leases to deposits | 64.0894% | 4,518 |
| Net loans and leases to core deposits | 65.4869% | 4,791 |
| Total domestic deposits to total assets | 91.7191% | 297 |
| Equity capital to assets | 7.2330% | 6,715 |
| Core capital (leverage) ratio | 7.4023% | 6,536 |
| Tier 1 risk-based capital ratio | 10.0933% | 6,676 |
| Total risk-based capital ratio | 11.0595% | 6,717 |
| Memoranda: | ||
| Average total assets | $31,654,000 | 6,716 |
| Average earning assets | $27,977,200 | 6,717 |
| Average equity | $2,411,600 | 6,900 |
| Average total loans | $18,821,200 | 6,474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 2,497 |
| Cost of funding earning assets | 0.4815% | 5,559 |
| Net interest margin | 4.2906% | 1,498 |
| Noninterest income to average assets | 0.2772% | 5,562 |
| Noninterest expense to average assets | 3.1600% | 2,683 |
| Loan and lease loss provision to assets | 0.2345% | 2,701 |
| Net operating income to assets | 0.6823% | 3,994 |
| Return on assets (ROA) | 2.3924% | 225 |
| Pretax return on assets | 2.3924% | 352 |
| Return on Equity (ROE) | 30.9851% | 69 |
| Retained earnings to average equity (ytd only) | 8.2850% | 1,500 |
| Net charge-offs to loans | 0.1650% | 3,802 |
| Credit loss provision to net charge-offs | 239.1304% | 1,156 |
| Earnings coverage of net charge-offs (x) | 9.3466% | 2,334 |
| Efficiency ratio | 77.5105% | 2,454 |
| Assets per employee ($millions) | 3.2156% | 5,605 |
| Cash dividends to net income (ytd only)* | 73.2627% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,624 |
| Loan loss allowance to noncurrent loans | 184.4828% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 5,681 |
| Noncurrent loans to loans | 0.6087% | 5,219 |
| Net loans and leases to total assets | 58.5956% | 4,026 |
| Net loans and leases to deposits | 64.1605% | 4,692 |
| Net loans and leases to core deposits | 65.6127% | 4,993 |
| Total domestic deposits to total assets | 91.3267% | 327 |
| Equity capital to assets | 7.5258% | 6,771 |
| Core capital (leverage) ratio | 7.3744% | 6,684 |
| Tier 1 risk-based capital ratio | 10.4854% | 6,669 |
| Total risk-based capital ratio | 11.4247% | 6,735 |
| Memoranda: | ||
| Average total assets | $31,265,250 | 6,809 |
| Average earning assets | $27,687,750 | 6,811 |
| Average equity | $2,414,000 | 6,988 |
| Average total loans | $18,588,500 | 6,573 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 2,703 |
| Cost of funding earning assets | 0.4863% | 5,715 |
| Net interest margin | 4.2680% | 1,556 |
| Noninterest income to average assets | 0.4392% | 4,368 |
| Noninterest expense to average assets | 3.1645% | 2,710 |
| Loan and lease loss provision to assets | 0.2260% | 2,817 |
| Net operating income to assets | 0.8460% | 3,163 |
| Return on assets (ROA) | 2.2797% | 281 |
| Pretax return on assets | 2.2797% | 431 |
| Return on Equity (ROE) | 29.2703% | 81 |
| Retained earnings to average equity (ytd only) | 0.9950% | 5,679 |
| Net charge-offs to loans | 0.1845% | 3,480 |
| Credit loss provision to net charge-offs | 205.8824% | 1,378 |
| Earnings coverage of net charge-offs (x) | 9.7647% | 2,130 |
| Efficiency ratio | 74.6951% | 2,949 |
| Assets per employee ($millions) | 3.3969% | 5,220 |
| Cash dividends to net income (ytd only)* | 96.6006% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,821 |
| Loan loss allowance to noncurrent loans | 212.7660% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 5,693 |
| Noncurrent loans to loans | 0.5123% | 5,505 |
| Net loans and leases to total assets | 53.4252% | 4,890 |
| Net loans and leases to deposits | 58.1071% | 5,436 |
| Net loans and leases to core deposits | 58.7656% | 5,716 |
| Total domestic deposits to total assets | 91.9427% | 235 |
| Equity capital to assets | 7.0241% | 6,906 |
| Core capital (leverage) ratio | 7.2623% | 6,737 |
| Tier 1 risk-based capital ratio | 9.9916% | 6,830 |
| Total risk-based capital ratio | 10.8797% | 6,894 |
| Memoranda: | ||
| Average total assets | $30,968,330 | 6,868 |
| Average earning assets | $27,553,670 | 6,866 |
| Average equity | $2,412,000 | 7,034 |
| Average total loans | $18,432,670 | 6,625 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 1,873 |
| Cost of funding earning assets | 0.5251% | 5,640 |
| Net interest margin | 4.4787% | 1,056 |
| Noninterest income to average assets | 0.4887% | 3,988 |
| Noninterest expense to average assets | 3.1763% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2488% | 1,604 |
| Return on assets (ROA) | 1.3710% | 1,427 |
| Pretax return on assets | 1.3710% | 2,282 |
| Return on Equity (ROE) | 16.6598% | 721 |
| Retained earnings to average equity (ytd only) | -18.3093% | 7,024 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7791% | 3,484 |
| Assets per employee ($millions) | 3.0316% | 6,095 |
| Cash dividends to net income (ytd only)* | 209.9010% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,226 |
| Loan loss allowance to noncurrent loans | 220.7317% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 5,665 |
| Noncurrent loans to loans | 0.4553% | 5,770 |
| Net loans and leases to total assets | 58.8171% | 3,901 |
| Net loans and leases to deposits | 64.6566% | 4,547 |
| Net loans and leases to core deposits | 65.4877% | 4,972 |
| Total domestic deposits to total assets | 90.9685% | 574 |
| Equity capital to assets | 7.9001% | 6,584 |
| Core capital (leverage) ratio | 7.1316% | 6,789 |
| Tier 1 risk-based capital ratio | 9.8082% | 6,915 |
| Total risk-based capital ratio | 10.6428% | 6,978 |
| Memoranda: | ||
| Average total assets | $29,468,000 | 6,958 |
| Average earning assets | $25,900,500 | 6,959 |
| Average equity | $2,425,000 | 7,079 |
| Average total loans | $18,475,000 | 6,687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 1,471 |
| Cost of funding earning assets | 0.6141% | 6,022 |
| Net interest margin | 4.7643% | 667 |
| Noninterest income to average assets | 0.5118% | 3,768 |
| Noninterest expense to average assets | 3.4905% | 2,007 |
| Loan and lease loss provision to assets | 0.8012% | 1,225 |
| Net operating income to assets | 0.4059% | 4,834 |
| Return on assets (ROA) | 0.7094% | 3,622 |
| Pretax return on assets | 0.7129% | 4,279 |
| Return on Equity (ROE) | 8.5133% | 2,666 |
| Retained earnings to average equity (ytd only) | -8.6404% | 6,651 |
| Net charge-offs to loans | 1.2519% | 1,331 |
| Credit loss provision to net charge-offs | 96.5957% | 3,730 |
| Earnings coverage of net charge-offs (x) | 1.4596% | 4,675 |
| Efficiency ratio | 74.2492% | 3,184 |
| Assets per employee ($millions) | 2.8620% | 6,351 |
| Cash dividends to net income (ytd only)* | 201.4925% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,378 |
| Loan loss allowance to noncurrent loans | 163.0631% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 5,432 |
| Noncurrent loans to loans | 0.5861% | 5,539 |
| Net loans and leases to total assets | 65.5381% | 2,869 |
| Net loans and leases to deposits | 72.6396% | 3,714 |
| Net loans and leases to core deposits | 73.6377% | 4,293 |
| Total domestic deposits to total assets | 90.2236% | 865 |
| Equity capital to assets | 8.5779% | 6,045 |
| Core capital (leverage) ratio | 7.4779% | 6,662 |
| Tier 1 risk-based capital ratio | 9.8037% | 6,902 |
| Total risk-based capital ratio | 10.5966% | 6,983 |
| Memoranda: | ||
| Average total assets | $28,333,800 | 7,015 |
| Average earning assets | $24,914,600 | 7,015 |
| Average equity | $2,361,000 | 7,151 |
| Average total loans | $18,771,800 | 6,719 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 1,641 |
| Cost of funding earning assets | 0.6334% | 6,118 |
| Net interest margin | 4.7292% | 712 |
| Noninterest income to average assets | 0.5142% | 3,765 |
| Noninterest expense to average assets | 3.4297% | 2,117 |
| Loan and lease loss provision to assets | 0.1179% | 4,959 |
| Net operating income to assets | 1.1181% | 1,909 |
| Return on assets (ROA) | 1.3587% | 1,324 |
| Pretax return on assets | 1.3634% | 2,072 |
| Return on Equity (ROE) | 16.4274% | 620 |
| Retained earnings to average equity (ytd only) | -4.6772% | 6,573 |
| Net charge-offs to loans | -0.0143% | 6,837 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4343% | 3,290 |
| Assets per employee ($millions) | 3.3004% | 5,478 |
| Cash dividends to net income (ytd only)* | 128.4721% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,631 |
| Loan loss allowance to noncurrent loans | 58.8556% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 3,950 |
| Noncurrent loans to loans | 1.9736% | 3,400 |
| Net loans and leases to total assets | 61.8738% | 3,758 |
| Net loans and leases to deposits | 68.4762% | 4,528 |
| Net loans and leases to core deposits | 70.7157% | 4,865 |
| Total domestic deposits to total assets | 90.3582% | 693 |
| Equity capital to assets | 8.4366% | 6,360 |
| Core capital (leverage) ratio | 8.0695% | 6,321 |
| Tier 1 risk-based capital ratio | 10.4509% | 6,798 |
| Total risk-based capital ratio | 11.4094% | 6,899 |
| Memoranda: | ||
| Average total assets | $28,262,250 | 7,088 |
| Average earning assets | $24,838,250 | 7,090 |
| Average equity | $2,337,500 | 7,225 |
| Average total loans | $18,730,250 | 6,787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 1,787 |
| Cost of funding earning assets | 0.6490% | 6,235 |
| Net interest margin | 4.6808% | 762 |
| Noninterest income to average assets | 0.5759% | 3,294 |
| Noninterest expense to average assets | 3.5347% | 1,896 |
| Loan and lease loss provision to assets | 0.1224% | 4,756 |
| Net operating income to assets | 1.0726% | 1,964 |
| Return on assets (ROA) | 1.2742% | 1,450 |
| Pretax return on assets | 1.2742% | 2,228 |
| Return on Equity (ROE) | 15.5173% | 716 |
| Retained earnings to average equity (ytd only) | -5.4354% | 6,600 |
| Net charge-offs to loans | -0.0213% | 6,838 |
| Credit loss provision to net charge-offs | -850.0000% | 6,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7336% | 3,233 |
| Assets per employee ($millions) | 3.1296% | 5,806 |
| Cash dividends to net income (ytd only)* | 135.0282% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 5,719 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.5302% | 3,909 |
| Noncurrent loans to loans | 2.0521% | 3,408 |
| Net loans and leases to total assets | 62.9305% | 3,692 |
| Net loans and leases to deposits | 69.9736% | 4,443 |
| Net loans and leases to core deposits | 72.4031% | 4,772 |
| Total domestic deposits to total assets | 89.9347% | 1,007 |
| Equity capital to assets | 8.4925% | 6,195 |
| Core capital (leverage) ratio | 8.5990% | 5,412 |
| Tier 1 risk-based capital ratio | 11.0229% | 6,512 |
| Total risk-based capital ratio | 11.9887% | 6,676 |
| Memoranda: | ||
| Average total assets | $27,781,670 | 7,166 |
| Average earning assets | $24,654,000 | 7,159 |
| Average equity | $2,281,330 | 7,301 |
| Average total loans | $18,775,330 | 6,846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 1,685 |
| Cost of funding earning assets | 0.6892% | 6,200 |
| Net interest margin | 4.6770% | 743 |
| Noninterest income to average assets | 0.4639% | 4,158 |
| Noninterest expense to average assets | 3.4941% | 2,016 |
| Loan and lease loss provision to assets | 0.2465% | 3,195 |
| Net operating income to assets | 0.8554% | 2,751 |
| Return on assets (ROA) | 0.8554% | 2,816 |
| Pretax return on assets | 0.8554% | 3,681 |
| Return on Equity (ROE) | 10.6020% | 1,874 |
| Retained earnings to average equity (ytd only) | -29.8293% | 7,289 |
| Net charge-offs to loans | -0.0417% | 6,832 |
| Credit loss provision to net charge-offs | -850.0000% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0252% | 3,160 |
| Assets per employee ($millions) | 3.0850% | 5,975 |
| Cash dividends to net income (ytd only)* | 381.3559% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,958 |
| Loan loss allowance to noncurrent loans | 58.2633% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5379% | 3,942 |
| Noncurrent loans to loans | 1.9282% | 3,663 |
| Net loans and leases to total assets | 65.9355% | 3,028 |
| Net loans and leases to deposits | 72.6007% | 3,970 |
| Net loans and leases to core deposits | 75.9123% | 4,312 |
| Total domestic deposits to total assets | 90.8194% | 712 |
| Equity capital to assets | 7.9849% | 6,516 |
| Core capital (leverage) ratio | 7.9671% | 6,294 |
| Tier 1 risk-based capital ratio | 10.3900% | 6,871 |
| Total risk-based capital ratio | 11.3420% | 6,973 |
| Memoranda: | ||
| Average total assets | $27,589,500 | 7,219 |
| Average earning assets | $24,374,500 | 7,215 |
| Average equity | $2,226,000 | 7,365 |
| Average total loans | $19,196,500 | 6,885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7184% | 1,503 |
| Cost of funding earning assets | 0.7420% | 6,759 |
| Net interest margin | 4.9765% | 456 |
| Noninterest income to average assets | 0.2793% | 5,780 |
| Noninterest expense to average assets | 3.6496% | 1,809 |
| Loan and lease loss provision to assets | 0.1778% | 5,447 |
| Net operating income to assets | 0.8562% | 2,562 |
| Return on assets (ROA) | 1.1573% | 1,605 |
| Pretax return on assets | 1.1573% | 2,370 |
| Return on Equity (ROE) | 13.2939% | 1,026 |
| Retained earnings to average equity (ytd only) | -1.7920% | 5,936 |
| Net charge-offs to loans | 0.1970% | 5,115 |
| Credit loss provision to net charge-offs | 125.6410% | 3,244 |
| Earnings coverage of net charge-offs (x) | 7.3077% | 2,158 |
| Efficiency ratio | 77.9241% | 2,720 |
| Assets per employee ($millions) | 2.7414% | 6,621 |
| Cash dividends to net income (ytd only)* | 113.4796% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 6,575 |
| Loan loss allowance to noncurrent loans | 51.0811% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 3,876 |
| Noncurrent loans to loans | 1.8614% | 3,740 |
| Net loans and leases to total assets | 71.8210% | 2,138 |
| Net loans and leases to deposits | 79.2314% | 3,302 |
| Net loans and leases to core deposits | 85.5114% | 3,395 |
| Total domestic deposits to total assets | 90.6471% | 769 |
| Equity capital to assets | 8.1528% | 6,317 |
| Core capital (leverage) ratio | 8.6652% | 5,083 |
| Tier 1 risk-based capital ratio | 10.4971% | 6,703 |
| Total risk-based capital ratio | 11.3112% | 6,937 |
| Memoranda: | ||
| Average total assets | $27,564,800 | 7,273 |
| Average earning assets | $24,394,800 | 7,274 |
| Average equity | $2,399,600 | 7,420 |
| Average total loans | $19,798,400 | 6,937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 1,486 |
| Cost of funding earning assets | 0.7532% | 6,902 |
| Net interest margin | 5.0159% | 427 |
| Noninterest income to average assets | 0.4492% | 4,566 |
| Noninterest expense to average assets | 3.6517% | 1,668 |
| Loan and lease loss provision to assets | 0.1497% | 5,540 |
| Net operating income to assets | 1.0868% | 1,935 |
| Return on assets (ROA) | 1.4105% | 1,158 |
| Pretax return on assets | 1.4105% | 1,852 |
| Return on Equity (ROE) | 15.9508% | 708 |
| Retained earnings to average equity (ytd only) | -3.8238% | 6,440 |
| Net charge-offs to loans | 0.1146% | 5,392 |
| Credit loss provision to net charge-offs | 182.3529% | 1,997 |
| Earnings coverage of net charge-offs (x) | 15.0560% | 1,469 |
| Efficiency ratio | 74.7036% | 3,197 |
| Assets per employee ($millions) | 2.7698% | 6,655 |
| Cash dividends to net income (ytd only)* | 123.9726% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,511 |
| Loan loss allowance to noncurrent loans | 71.2177% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 4,075 |
| Noncurrent loans to loans | 1.3639% | 4,584 |
| Net loans and leases to total assets | 71.0376% | 2,484 |
| Net loans and leases to deposits | 85.0744% | 2,506 |
| Net loans and leases to core deposits | 87.8040% | 3,395 |
| Total domestic deposits to total assets | 83.5006% | 4,377 |
| Equity capital to assets | 8.8671% | 5,747 |
| Core capital (leverage) ratio | 8.8113% | 4,983 |
| Tier 1 risk-based capital ratio | 10.3756% | 6,844 |
| Total risk-based capital ratio | 11.2068% | 7,073 |
| Memoranda: | ||
| Average total assets | $27,602,500 | 7,369 |
| Average earning assets | $24,428,500 | 7,364 |
| Average equity | $2,440,750 | 7,505 |
| Average total loans | $19,778,500 | 7,028 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8627% | 1,268 |
| Cost of funding earning assets | 0.7790% | 6,975 |
| Net interest margin | 5.0838% | 354 |
| Noninterest income to average assets | 0.5078% | 4,047 |
| Noninterest expense to average assets | 3.5255% | 1,965 |
| Loan and lease loss provision to assets | 0.1016% | 5,899 |
| Net operating income to assets | 1.3783% | 1,130 |
| Return on assets (ROA) | 1.8643% | 475 |
| Pretax return on assets | 1.8643% | 789 |
| Return on Equity (ROE) | 21.1030% | 252 |
| Retained earnings to average equity (ytd only) | -8.6219% | 6,845 |
| Net charge-offs to loans | 0.1013% | 5,134 |
| Credit loss provision to net charge-offs | 140.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,216 |
| Efficiency ratio | 70.4348% | 4,103 |
| Assets per employee ($millions) | 2.9237% | 6,307 |
| Cash dividends to net income (ytd only)* | 140.8560% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,719 |
| Loan loss allowance to noncurrent loans | 240.7895% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 5,234 |
| Noncurrent loans to loans | 0.3787% | 6,479 |
| Net loans and leases to total assets | 75.5672% | 1,580 |
| Net loans and leases to deposits | 85.9886% | 2,507 |
| Net loans and leases to core deposits | 89.0262% | 3,404 |
| Total domestic deposits to total assets | 87.8805% | 2,062 |
| Equity capital to assets | 9.1058% | 5,286 |
| Core capital (leverage) ratio | 8.2254% | 5,903 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,866 |
| Total risk-based capital ratio | 11.0545% | 7,114 |
| Memoranda: | ||
| Average total assets | $27,570,670 | 7,428 |
| Average earning assets | $24,391,330 | 7,426 |
| Average equity | $2,435,670 | 7,563 |
| Average total loans | $19,748,330 | 7,081 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8889% | 1,221 |
| Cost of funding earning assets | 0.7980% | 7,096 |
| Net interest margin | 5.0910% | 351 |
| Noninterest income to average assets | 0.5106% | 3,969 |
| Noninterest expense to average assets | 3.2625% | 2,667 |
| Loan and lease loss provision to assets | 0.0709% | 5,926 |
| Net operating income to assets | 1.7022% | 615 |
| Return on assets (ROA) | 2.0993% | 323 |
| Pretax return on assets | 2.0993% | 510 |
| Return on Equity (ROE) | 24.1091% | 186 |
| Retained earnings to average equity (ytd only) | -21.5027% | 7,407 |
| Net charge-offs to loans | 0.0408% | 5,005 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 491 |
| Efficiency ratio | 64.7887% | 5,343 |
| Assets per employee ($millions) | 3.0017% | 6,213 |
| Cash dividends to net income (ytd only)* | 189.1892% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 6,653 |
| Loan loss allowance to noncurrent loans | 466.6667% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 5,537 |
| Noncurrent loans to loans | 0.2046% | 6,930 |
| Net loans and leases to total assets | 69.8908% | 2,969 |
| Net loans and leases to deposits | 78.3444% | 3,973 |
| Net loans and leases to core deposits | 90.3700% | 3,315 |
| Total domestic deposits to total assets | 89.2097% | 1,412 |
| Equity capital to assets | 8.8617% | 5,457 |
| Core capital (leverage) ratio | 8.2758% | 5,786 |
| Tier 1 risk-based capital ratio | 10.2717% | 6,822 |
| Total risk-based capital ratio | 11.0679% | 7,138 |
| Memoranda: | ||
| Average total assets | $28,199,500 | 7,503 |
| Average earning assets | $25,064,000 | 7,491 |
| Average equity | $2,455,500 | 7,650 |
| Average total loans | $19,589,000 | 7,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8205% | 2,574 |
| Cost of funding earning assets | 1.1096% | 6,943 |
| Net interest margin | 4.7109% | 818 |
| Noninterest income to average assets | 0.6380% | 3,366 |
| Noninterest expense to average assets | 3.3556% | 2,818 |
| Loan and lease loss provision to assets | 0.1283% | 6,359 |
| Net operating income to assets | 1.3537% | 935 |
| Return on assets (ROA) | 1.6407% | 526 |
| Pretax return on assets | 1.6407% | 880 |
| Return on Equity (ROE) | 20.3945% | 230 |
| Retained earnings to average equity (ytd only) | -1.8464% | 5,479 |
| Net charge-offs to loans | 0.3127% | 4,676 |
| Credit loss provision to net charge-offs | 62.2951% | 6,613 |
| Earnings coverage of net charge-offs (x) | 7.1967% | 2,202 |
| Efficiency ratio | 69.3650% | 4,759 |
| Assets per employee ($millions) | 2.9384% | 6,369 |
| Cash dividends to net income (ytd only)* | 109.0535% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 6,860 |
| Loan loss allowance to noncurrent loans | 617.2414% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 5,686 |
| Noncurrent loans to loans | 0.1442% | 7,069 |
| Net loans and leases to total assets | 67.8464% | 3,737 |
| Net loans and leases to deposits | 77.9969% | 4,373 |
| Net loans and leases to core deposits | 88.5926% | 5,267 |
| Total domestic deposits to total assets | 86.9861% | 2,515 |
| Equity capital to assets | 8.5659% | 5,780 |
| Core capital (leverage) ratio | 8.2512% | 5,722 |
| Tier 1 risk-based capital ratio | 10.2189% | 6,663 |
| Total risk-based capital ratio | 10.9568% | 7,071 |
| Memoranda: | ||
| Average total assets | $29,622,200 | 7,484 |
| Average earning assets | $26,406,800 | 7,488 |
| Average equity | $2,383,000 | 7,755 |
| Average total loans | $19,506,800 | 7,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7759% | 3,002 |
| Cost of funding earning assets | 1.1763% | 6,955 |
| Net interest margin | 4.5996% | 992 |
| Noninterest income to average assets | 0.6244% | 3,532 |
| Noninterest expense to average assets | 3.1893% | 3,337 |
| Loan and lease loss provision to assets | 0.1258% | 6,096 |
| Net operating income to assets | 1.4195% | 981 |
| Return on assets (ROA) | 1.6800% | 620 |
| Pretax return on assets | 1.6800% | 1,012 |
| Return on Equity (ROE) | 21.2237% | 244 |
| Retained earnings to average equity (ytd only) | -6.0153% | 6,390 |
| Net charge-offs to loans | 0.2067% | 4,750 |
| Credit loss provision to net charge-offs | 93.3333% | 5,397 |
| Earnings coverage of net charge-offs (x) | 11.4665% | 1,850 |
| Efficiency ratio | 67.3624% | 5,109 |
| Assets per employee ($millions) | 3.2043% | 5,639 |
| Cash dividends to net income (ytd only)* | 128.3425% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,255 |
| Loan loss allowance to noncurrent loans | 72.7273% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 5,139 |
| Noncurrent loans to loans | 1.3825% | 4,603 |
| Net loans and leases to total assets | 61.4518% | 5,335 |
| Net loans and leases to deposits | 80.1001% | 4,364 |
| Net loans and leases to core deposits | 89.0391% | 5,524 |
| Total domestic deposits to total assets | 76.7188% | 6,416 |
| Equity capital to assets | 7.6585% | 7,187 |
| Core capital (leverage) ratio | 7.9558% | 6,440 |
| Tier 1 risk-based capital ratio | 10.0578% | 6,920 |
| Total risk-based capital ratio | 10.8897% | 7,241 |
| Memoranda: | ||
| Average total assets | $29,681,750 | 7,548 |
| Average earning assets | $26,523,500 | 7,548 |
| Average equity | $2,349,500 | 7,837 |
| Average total loans | $19,354,750 | 7,297 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 2,461 |
| Cost of funding earning assets | 1.2776% | 6,878 |
| Net interest margin | 4.6509% | 873 |
| Noninterest income to average assets | 0.7129% | 2,910 |
| Noninterest expense to average assets | 3.3016% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5435% | 762 |
| Return on assets (ROA) | 1.8412% | 456 |
| Pretax return on assets | 1.8412% | 784 |
| Return on Equity (ROE) | 22.9838% | 198 |
| Retained earnings to average equity (ytd only) | -15.0345% | 7,239 |
| Net charge-offs to loans | 0.3129% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.4333% | 2,442 |
| Efficiency ratio | 68.1429% | 5,131 |
| Assets per employee ($millions) | 2.8793% | 6,449 |
| Cash dividends to net income (ytd only)* | 165.4135% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 6,795 |
| Loan loss allowance to noncurrent loans | 54.0881% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 4,503 |
| Noncurrent loans to loans | 1.6555% | 4,011 |
| Net loans and leases to total assets | 66.1168% | 4,544 |
| Net loans and leases to deposits | 80.9121% | 4,405 |
| Net loans and leases to core deposits | 87.9632% | 5,727 |
| Total domestic deposits to total assets | 81.7143% | 4,813 |
| Equity capital to assets | 7.8491% | 6,913 |
| Core capital (leverage) ratio | 8.3218% | 5,758 |
| Tier 1 risk-based capital ratio | 10.2083% | 6,703 |
| Total risk-based capital ratio | 10.9560% | 7,168 |
| Memoranda: | ||
| Average total assets | $28,894,670 | 7,646 |
| Average earning assets | $25,672,670 | 7,652 |
| Average equity | $2,314,670 | 7,922 |
| Average total loans | $19,176,000 | 7,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0539% | 2,135 |
| Cost of funding earning assets | 1.3766% | 6,794 |
| Net interest margin | 4.6773% | 806 |
| Noninterest income to average assets | 0.5942% | 3,589 |
| Noninterest expense to average assets | 3.0264% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6997% | 645 |
| Return on assets (ROA) | 2.0176% | 386 |
| Pretax return on assets | 2.0176% | 649 |
| Return on Equity (ROE) | 24.9360% | 189 |
| Retained earnings to average equity (ytd only) | -34.8420% | 7,912 |
| Net charge-offs to loans | 0.5637% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,861 |
| Efficiency ratio | 64.0351% | 5,683 |
| Assets per employee ($millions) | 2.7139% | 6,856 |
| Cash dividends to net income (ytd only)* | 239.7260% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 6,442 |
| Loan loss allowance to noncurrent loans | 53.5168% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 3,821 |
| Noncurrent loans to loans | 1.7908% | 3,577 |
| Net loans and leases to total assets | 66.6384% | 4,428 |
| Net loans and leases to deposits | 78.2629% | 4,880 |
| Net loans and leases to core deposits | 84.4541% | 6,030 |
| Total domestic deposits to total assets | 85.1468% | 3,135 |
| Equity capital to assets | 8.3533% | 6,309 |
| Core capital (leverage) ratio | 8.1575% | 6,176 |
| Tier 1 risk-based capital ratio | 10.4061% | 6,490 |
| Total risk-based capital ratio | 11.1914% | 6,893 |
| Memoranda: | ||
| Average total assets | $28,945,500 | 7,692 |
| Average earning assets | $25,570,500 | 7,698 |
| Average equity | $2,342,000 | 7,968 |
| Average total loans | $19,159,500 | 7,426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7971% | 1,686 |
| Cost of funding earning assets | 2.0074% | 6,392 |
| Net interest margin | 4.7897% | 794 |
| Noninterest income to average assets | 0.5238% | 4,434 |
| Noninterest expense to average assets | 3.0186% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7548% | 598 |
| Return on assets (ROA) | 1.8531% | 472 |
| Pretax return on assets | 1.8531% | 846 |
| Return on Equity (ROE) | 24.2835% | 166 |
| Retained earnings to average equity (ytd only) | 3.9042% | 2,699 |
| Net charge-offs to loans | 0.0997% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 28.2105% | 1,220 |
| Efficiency ratio | 63.2373% | 5,727 |
| Assets per employee ($millions) | 3.0752% | 5,850 |
| Cash dividends to net income (ytd only)* | 83.9223% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 5,973 |
| Loan loss allowance to noncurrent loans | 73.7226% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 4,142 |
| Noncurrent loans to loans | 1.3660% | 3,788 |
| Net loans and leases to total assets | 64.5714% | 5,157 |
| Net loans and leases to deposits | 75.4503% | 5,658 |
| Net loans and leases to core deposits | 91.0746% | 5,712 |
| Total domestic deposits to total assets | 85.5814% | 2,593 |
| Equity capital to assets | 7.8597% | 7,028 |
| Core capital (leverage) ratio | 8.3980% | 5,768 |
| Tier 1 risk-based capital ratio | 10.3270% | 6,392 |
| Total risk-based capital ratio | 11.1539% | 6,729 |
| Memoranda: | ||
| Average total assets | $30,544,200 | 7,619 |
| Average earning assets | $27,099,800 | 7,661 |
| Average equity | $2,330,800 | 8,041 |
| Average total loans | $19,055,600 | 7,396 |