Home > Rochelle State Bank > Performance and Condition Ratios
Rochelle State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 1,311 |
| Cost of funding earning assets | 2.0853% | 799 |
| Net interest margin | 3.3149% | 2,594 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 5.5649% | 191 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | -1.9328% | 4,570 |
| Return on assets (ROA) | -1.9328% | 4,565 |
| Pretax return on assets | -2.5960% | 4,572 |
| Return on Equity (ROE) | -13.2900% | 4,518 |
| Retained earnings to average equity (ytd only) | -13.2872% | 4,486 |
| Net charge-offs to loans | 0.0237% | 1,838 |
| Credit loss provision to net charge-offs | 1,833.3333% | 248 |
| Earnings coverage of net charge-offs (x) | -145.8889% | 4,597 |
| Efficiency ratio | 168.1724% | 28 |
| Assets per employee ($millions) | 4.4581% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,440 |
| Loan loss allowance to noncurrent loans | 81.2865% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 618 |
| Noncurrent loans to loans | 1.1995% | 594 |
| Net loans and leases to total assets | 67.8600% | 2,059 |
| Net loans and leases to deposits | 79.1907% | 2,174 |
| Net loans and leases to core deposits | 93.2555% | 1,826 |
| Total domestic deposits to total assets | 85.6900% | 2,113 |
| Equity capital to assets | 12.7522% | 922 |
| Core capital (leverage) ratio | 13.1386% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7502% | 1,124 |
| Memoranda: | ||
| Average total assets | $58,204,400 | 4,230 |
| Average earning assets | $54,572,600 | 4,201 |
| Average equity | $8,466,800 | 3,882 |
| Average total loans | $37,919,000 | 4,027 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 1,373 |
| Cost of funding earning assets | 1.7708% | 1,058 |
| Net interest margin | 3.4695% | 2,276 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 4.3718% | 296 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | -0.9098% | 4,562 |
| Return on assets (ROA) | -0.9098% | 4,556 |
| Pretax return on assets | -1.2224% | 4,565 |
| Return on Equity (ROE) | -6.0500% | 4,508 |
| Retained earnings to average equity (ytd only) | -6.0508% | 4,441 |
| Net charge-offs to loans | 0.0363% | 1,370 |
| Credit loss provision to net charge-offs | 1,130.0000% | 377 |
| Earnings coverage of net charge-offs (x) | -39.2000% | 4,616 |
| Efficiency ratio | 126.4507% | 65 |
| Assets per employee ($millions) | 3.9371% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 3,774 |
| Loan loss allowance to noncurrent loans | 91.4787% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 846 |
| Noncurrent loans to loans | 0.9684% | 848 |
| Net loans and leases to total assets | 69.1500% | 1,927 |
| Net loans and leases to deposits | 80.9002% | 1,977 |
| Net loans and leases to core deposits | 94.9476% | 1,619 |
| Total domestic deposits to total assets | 85.4700% | 2,357 |
| Equity capital to assets | 14.0898% | 635 |
| Core capital (leverage) ratio | 14.9618% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8808% | 829 |
| Memoranda: | ||
| Average total assets | $57,152,250 | 4,259 |
| Average earning assets | $53,608,500 | 4,228 |
| Average equity | $8,593,750 | 3,870 |
| Average total loans | $36,706,500 | 4,057 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 1,362 |
| Cost of funding earning assets | 1.5411% | 1,174 |
| Net interest margin | 3.5645% | 2,117 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 4.2217% | 305 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | -0.7467% | 4,584 |
| Return on assets (ROA) | -0.7467% | 4,579 |
| Pretax return on assets | -1.0050% | 4,588 |
| Return on Equity (ROE) | -4.8600% | 4,540 |
| Retained earnings to average equity (ytd only) | -4.8591% | 4,415 |
| Net charge-offs to loans | 0.0057% | 2,046 |
| Credit loss provision to net charge-offs | 7,300.0000% | 80 |
| Earnings coverage of net charge-offs (x) | -185.0000% | 4,660 |
| Efficiency ratio | 118.3532% | 73 |
| Assets per employee ($millions) | 4.7374% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 3,824 |
| Loan loss allowance to noncurrent loans | 237.8571% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 1,971 |
| Noncurrent loans to loans | 0.3728% | 1,807 |
| Net loans and leases to total assets | 65.4800% | 2,215 |
| Net loans and leases to deposits | 77.5152% | 2,177 |
| Net loans and leases to core deposits | 94.2114% | 1,555 |
| Total domestic deposits to total assets | 84.4700% | 2,706 |
| Equity capital to assets | 15.1331% | 511 |
| Core capital (leverage) ratio | 15.2481% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4446% | 675 |
| Memoranda: | ||
| Average total assets | $56,517,333 | 4,287 |
| Average earning assets | $53,079,000 | 4,256 |
| Average equity | $8,684,667 | 3,881 |
| Average total loans | $35,208,333 | 4,091 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 1,471 |
| Cost of funding earning assets | 1.2978% | 1,231 |
| Net interest margin | 3.5688% | 2,194 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 4.1454% | 327 |
| Loan and lease loss provision to assets | 0.8900% | 77 |
| Net operating income to assets | -1.1002% | 4,626 |
| Return on assets (ROA) | -1.1002% | 4,620 |
| Pretax return on assets | -1.4764% | 4,627 |
| Return on Equity (ROE) | -7.1100% | 4,575 |
| Retained earnings to average equity (ytd only) | -7.1056% | 4,404 |
| Net charge-offs to loans | 0.0118% | 1,509 |
| Credit loss provision to net charge-offs | 5,600.0000% | 88 |
| Earnings coverage of net charge-offs (x) | -83.0000% | 4,685 |
| Efficiency ratio | 116.5669% | 79 |
| Assets per employee ($millions) | 4.7628% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 3,923 |
| Loan loss allowance to noncurrent loans | 114.4928% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 1,069 |
| Noncurrent loans to loans | 0.7629% | 1,008 |
| Net loans and leases to total assets | 62.7400% | 2,382 |
| Net loans and leases to deposits | 74.4328% | 2,264 |
| Net loans and leases to core deposits | 84.4643% | 1,957 |
| Total domestic deposits to total assets | 84.3000% | 3,027 |
| Equity capital to assets | 15.2465% | 459 |
| Core capital (leverage) ratio | 15.4569% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5005% | 611 |
| Memoranda: | ||
| Average total assets | $56,351,500 | 4,348 |
| Average earning assets | $53,014,500 | 4,317 |
| Average equity | $8,725,500 | 3,921 |
| Average total loans | $34,035,000 | 4,170 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 2,484 |
| Cost of funding earning assets | 0.5693% | 1,023 |
| Net interest margin | 3.1466% | 3,032 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 4.5434% | 256 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | -1.0743% | 4,662 |
| Return on assets (ROA) | -1.0743% | 4,657 |
| Pretax return on assets | -1.5125% | 4,668 |
| Return on Equity (ROE) | -5.7200% | 4,633 |
| Retained earnings to average equity (ytd only) | -5.7219% | 4,590 |
| Net charge-offs to loans | 0.0323% | 1,425 |
| Credit loss provision to net charge-offs | 2,175.0000% | 247 |
| Earnings coverage of net charge-offs (x) | -72.7500% | 4,716 |
| Efficiency ratio | 134.4583% | 52 |
| Assets per employee ($millions) | 5.0499% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 4,204 |
| Loan loss allowance to noncurrent loans | 681.8182% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,216 |
| Noncurrent loans to loans | 0.1035% | 3,031 |
| Net loans and leases to total assets | 57.0100% | 2,915 |
| Net loans and leases to deposits | 67.7246% | 2,745 |
| Net loans and leases to core deposits | 75.4251% | 2,468 |
| Total domestic deposits to total assets | 84.1800% | 3,166 |
| Equity capital to assets | 15.7285% | 410 |
| Core capital (leverage) ratio | 16.9044% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0570% | 416 |
| Memoranda: | ||
| Average total assets | $49,984,800 | 4,438 |
| Average earning assets | $45,318,800 | 4,425 |
| Average equity | $9,385,000 | 3,949 |
| Average total loans | $24,739,800 | 4,334 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 2,616 |
| Cost of funding earning assets | 0.4372% | 1,052 |
| Net interest margin | 3.0637% | 3,040 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 4.2556% | 279 |
| Loan and lease loss provision to assets | 0.4700% | 112 |
| Net operating income to assets | -0.9905% | 4,707 |
| Return on assets (ROA) | -0.9905% | 4,697 |
| Pretax return on assets | -1.3335% | 4,701 |
| Return on Equity (ROE) | -5.0400% | 4,664 |
| Retained earnings to average equity (ytd only) | -5.0416% | 4,604 |
| Net charge-offs to loans | 0.0523% | 961 |
| Credit loss provision to net charge-offs | 1,900.0000% | 262 |
| Earnings coverage of net charge-offs (x) | -35.0000% | 4,751 |
| Efficiency ratio | 125.4854% | 59 |
| Assets per employee ($millions) | 4.6840% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 4,325 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 65.0800% | 1,977 |
| Net loans and leases to deposits | 78.6287% | 1,669 |
| Net loans and leases to core deposits | 84.8718% | 1,594 |
| Total domestic deposits to total assets | 82.7700% | 3,723 |
| Equity capital to assets | 17.1551% | 314 |
| Core capital (leverage) ratio | 18.1258% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1987% | 422 |
| Memoranda: | ||
| Average total assets | $48,593,750 | 4,488 |
| Average earning assets | $43,606,250 | 4,478 |
| Average equity | $9,547,000 | 3,972 |
| Average total loans | $22,951,500 | 4,391 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 3,110 |
| Cost of funding earning assets | 0.3856% | 1,019 |
| Net interest margin | 2.7941% | 3,463 |
| Noninterest income to average assets | 0.4494% | 2,453 |
| Noninterest expense to average assets | 4.4480% | 220 |
| Loan and lease loss provision to assets | 0.5082% | 102 |
| Net operating income to assets | -1.5163% | 4,727 |
| Return on assets (ROA) | -1.5163% | 4,722 |
| Pretax return on assets | -2.0413% | 4,727 |
| Return on Equity (ROE) | -7.3801% | 4,703 |
| Retained earnings to average equity (ytd only) | -7.3801% | 4,602 |
| Net charge-offs to loans | 0.0723% | 730 |
| Credit loss provision to net charge-offs | 1,728.5714% | 270 |
| Earnings coverage of net charge-offs (x) | -52.1429% | 2,146 |
| Efficiency ratio | 152.5937% | 42 |
| Assets per employee ($millions) | 4.8596% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 4,386 |
| Loan loss allowance to noncurrent loans | 137.3016% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 2,015 |
| Noncurrent loans to loans | 0.4872% | 1,652 |
| Net loans and leases to total assets | 52.8644% | 3,073 |
| Net loans and leases to deposits | 65.3673% | 2,600 |
| Net loans and leases to core deposits | 69.9905% | 2,491 |
| Total domestic deposits to total assets | 80.8729% | 4,146 |
| Equity capital to assets | 19.0633% | 192 |
| Core capital (leverage) ratio | 18.6165% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3447% | 261 |
| Memoranda: | ||
| Average total assets | $47,617,000 | 4,543 |
| Average earning assets | $42,017,000 | 4,552 |
| Average equity | $9,783,000 | 4,021 |
| Average total loans | $19,351,000 | 4,515 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6728% | 3,994 |
| Cost of funding earning assets | 0.3748% | 1,026 |
| Net interest margin | 2.2980% | 4,240 |
| Noninterest income to average assets | 0.6960% | 1,330 |
| Noninterest expense to average assets | 4.3287% | 226 |
| Loan and lease loss provision to assets | 0.6960% | 63 |
| Net operating income to assets | -1.7484% | 4,758 |
| Return on assets (ROA) | -1.7484% | 4,757 |
| Pretax return on assets | -2.3511% | 4,763 |
| Return on Equity (ROE) | -8.2051% | 4,732 |
| Retained earnings to average equity (ytd only) | -8.2051% | 4,530 |
| Net charge-offs to loans | 0.0994% | 521 |
| Credit loss provision to net charge-offs | 2,050.0000% | 207 |
| Earnings coverage of net charge-offs (x) | -48.7500% | 1,827 |
| Efficiency ratio | 161.9048% | 34 |
| Assets per employee ($millions) | 4.8947% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 4,414 |
| Loan loss allowance to noncurrent loans | 30.5122% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 584 |
| Noncurrent loans to loans | 2.2489% | 295 |
| Net loans and leases to total assets | 40.5091% | 3,978 |
| Net loans and leases to deposits | 50.5649% | 3,687 |
| Net loans and leases to core deposits | 53.3039% | 3,647 |
| Total domestic deposits to total assets | 80.1132% | 4,283 |
| Equity capital to assets | 19.8051% | 167 |
| Core capital (leverage) ratio | 19.4327% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3424% | 366 |
| Memoranda: | ||
| Average total assets | $47,127,500 | 4,574 |
| Average earning assets | $40,557,000 | 4,588 |
| Average equity | $10,042,500 | 4,049 |
| Average total loans | $16,095,000 | 4,580 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7916% | 4,720 |
| Cost of funding earning assets | 0.1761% | 3,699 |
| Net interest margin | 1.6155% | 4,708 |
| Noninterest income to average assets | 0.5617% | 2,314 |
| Noninterest expense to average assets | 3.3183% | 611 |
| Loan and lease loss provision to assets | 0.1417% | 849 |
| Net operating income to assets | -1.3218% | 4,800 |
| Return on assets (ROA) | -1.1981% | 4,795 |
| Pretax return on assets | -1.4491% | 4,801 |
| Return on Equity (ROE) | -5.8372% | 4,785 |
| Retained earnings to average equity (ytd only) | -5.8372% | 4,722 |
| Net charge-offs to loans | -0.0198% | 3,973 |
| Credit loss provision to net charge-offs | -2,850.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.2377% | 23 |
| Assets per employee ($millions) | 5.0342% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 4,641 |
| Loan loss allowance to noncurrent loans | 47.9675% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 2,190 |
| Noncurrent loans to loans | 1.0061% | 979 |
| Net loans and leases to total assets | 26.8518% | 4,599 |
| Net loans and leases to deposits | 34.9236% | 4,506 |
| Net loans and leases to core deposits | 36.7842% | 4,500 |
| Total domestic deposits to total assets | 76.8871% | 4,467 |
| Equity capital to assets | 22.9341% | 115 |
| Core capital (leverage) ratio | 22.2620% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0461% | 184 |
| Memoranda: | ||
| Average total assets | $40,231,800 | 4,662 |
| Average earning assets | $32,374,200 | 4,698 |
| Average equity | $8,257,400 | 4,312 |
| Average total loans | $10,123,400 | 4,725 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2017% | 4,855 |
| Cost of funding earning assets | 0.2131% | 3,486 |
| Net interest margin | 0.9887% | 4,867 |
| Noninterest income to average assets | 0.1129% | 4,611 |
| Noninterest expense to average assets | 2.1490% | 3,223 |
| Loan and lease loss provision to assets | 0.1129% | 1,067 |
| Net operating income to assets | -1.0615% | 4,865 |
| Return on assets (ROA) | -0.8966% | 4,858 |
| Pretax return on assets | -1.1464% | 4,868 |
| Return on Equity (ROE) | -4.5226% | 4,838 |
| Retained earnings to average equity (ytd only) | -4.5226% | 4,775 |
| Net charge-offs to loans | -0.0139% | 3,809 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 236.9811% | 18 |
| Assets per employee ($millions) | 4.3286% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2835% | 4,821 |
| Loan loss allowance to noncurrent loans | 17.3469% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 1,673 |
| Noncurrent loans to loans | 1.6344% | 623 |
| Net loans and leases to total assets | 27.6256% | 4,662 |
| Net loans and leases to deposits | 36.6866% | 4,556 |
| Net loans and leases to core deposits | 37.8813% | 4,574 |
| Total domestic deposits to total assets | 75.3015% | 4,585 |
| Equity capital to assets | 24.3797% | 107 |
| Core capital (leverage) ratio | 22.5954% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6462% | 263 |
| Memoranda: | ||
| Average total assets | $38,962,750 | 4,741 |
| Average earning assets | $31,287,500 | 4,776 |
| Average equity | $7,724,000 | 4,420 |
| Average total loans | $9,598,000 | 4,807 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4042% | 4,938 |
| Cost of funding earning assets | 0.0832% | 4,679 |
| Net interest margin | 0.3210% | 4,936 |
| Noninterest income to average assets | 0.0533% | 4,832 |
| Noninterest expense to average assets | 0.8102% | 4,905 |
| Loan and lease loss provision to assets | 0.0053% | 2,787 |
| Net operating income to assets | -0.3731% | 4,853 |
| Return on assets (ROA) | -0.3731% | 4,857 |
| Pretax return on assets | -0.4744% | 4,865 |
| Return on Equity (ROE) | -2.0646% | 4,841 |
| Retained earnings to average equity (ytd only) | -2.0646% | 4,671 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.5000% | 17 |
| Assets per employee ($millions) | 5.8079% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0106% | 4,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 20.3775% | 4,830 |
| Net loans and leases to deposits | 26.6900% | 4,799 |
| Net loans and leases to core deposits | 27.8758% | 4,804 |
| Total domestic deposits to total assets | 76.3489% | 4,540 |
| Equity capital to assets | 23.1195% | 113 |
| Core capital (leverage) ratio | 26.1241% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9731% | 228 |
| Memoranda: | ||
| Average total assets | $37,521,667 | 4,787 |
| Average earning assets | $33,643,333 | 4,782 |
| Average equity | $6,781,000 | 4,529 |
| Average total loans | $8,800,000 | 4,850 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5694% | 4,599 |
| Cost of funding earning assets | 0.6897% | 571 |
| Net interest margin | 1.8797% | 4,780 |
| Noninterest income to average assets | 0.2905% | 3,672 |
| Noninterest expense to average assets | 2.3842% | 2,542 |
| Loan and lease loss provision to assets | 0.0363% | 2,290 |
| Net operating income to assets | -0.4478% | 4,881 |
| Return on assets (ROA) | -0.3873% | 4,877 |
| Pretax return on assets | -0.3873% | 4,874 |
| Return on Equity (ROE) | -2.6664% | 4,872 |
| Retained earnings to average equity (ytd only) | -2.6664% | 4,584 |
| Net charge-offs to loans | -0.0473% | 4,371 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8589% | 71 |
| Assets per employee ($millions) | 6.8668% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,539 |
| Loan loss allowance to noncurrent loans | 37.6000% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 730 |
| Noncurrent loans to loans | 4.0423% | 134 |
| Net loans and leases to total assets | 26.6092% | 4,779 |
| Net loans and leases to deposits | 30.8857% | 4,783 |
| Net loans and leases to core deposits | 32.5437% | 4,782 |
| Total domestic deposits to total assets | 86.1537% | 2,680 |
| Equity capital to assets | 13.5522% | 777 |
| Core capital (leverage) ratio | 14.2903% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0600% | 400 |
| Memoranda: | ||
| Average total assets | $33,051,000 | 4,847 |
| Average earning assets | $29,579,000 | 4,842 |
| Average equity | $4,800,500 | 4,765 |
| Average total loans | $8,465,500 | 4,880 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 4,444 |
| Cost of funding earning assets | 1.1668% | 315 |
| Net interest margin | 2.0401% | 4,814 |
| Noninterest income to average assets | 0.3558% | 3,341 |
| Noninterest expense to average assets | 2.7798% | 1,997 |
| Loan and lease loss provision to assets | 0.0222% | 4,118 |
| Net operating income to assets | -0.6004% | 4,894 |
| Return on assets (ROA) | 0.3844% | 4,359 |
| Pretax return on assets | 0.3495% | 4,489 |
| Return on Equity (ROE) | 2.4537% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.4537% | 3,628 |
| Net charge-offs to loans | 4.2972% | 15 |
| Credit loss provision to net charge-offs | 1.7456% | 3,262 |
| Earnings coverage of net charge-offs (x) | -0.4813% | 3,345 |
| Efficiency ratio | 128.2991% | 61 |
| Assets per employee ($millions) | 6.3536% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 23.6622% | 4,858 |
| Net loans and leases to deposits | 28.1430% | 4,856 |
| Net loans and leases to core deposits | 29.8211% | 4,855 |
| Total domestic deposits to total assets | 84.0783% | 3,089 |
| Equity capital to assets | 15.5754% | 477 |
| Core capital (leverage) ratio | 15.1453% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9394% | 195 |
| Memoranda: | ||
| Average total assets | $31,476,600 | 4,860 |
| Average earning assets | $27,939,800 | 4,860 |
| Average equity | $4,931,400 | 4,763 |
| Average total loans | $9,331,600 | 4,899 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2020% | 4,590 |
| Cost of funding earning assets | 1.1852% | 392 |
| Net interest margin | 2.0168% | 4,883 |
| Noninterest income to average assets | 0.3354% | 3,474 |
| Noninterest expense to average assets | 2.7979% | 1,969 |
| Loan and lease loss provision to assets | 0.3152% | 1,261 |
| Net operating income to assets | -0.8828% | 4,938 |
| Return on assets (ROA) | -0.0509% | 4,810 |
| Pretax return on assets | 0.0679% | 4,750 |
| Return on Equity (ROE) | -0.3247% | 4,807 |
| Retained earnings to average equity (ytd only) | -0.3247% | 4,534 |
| Net charge-offs to loans | 6.3992% | 7 |
| Credit loss provision to net charge-offs | 15.8120% | 2,985 |
| Earnings coverage of net charge-offs (x) | -0.3376% | 3,149 |
| Efficiency ratio | 131.5369% | 57 |
| Assets per employee ($millions) | 6.5600% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 30.6159% | 4,805 |
| Net loans and leases to deposits | 36.1314% | 4,823 |
| Net loans and leases to core deposits | 38.1101% | 4,820 |
| Total domestic deposits to total assets | 84.7348% | 2,537 |
| Equity capital to assets | 14.8780% | 666 |
| Core capital (leverage) ratio | 14.5298% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4810% | 292 |
| Memoranda: | ||
| Average total assets | $31,403,750 | 4,890 |
| Average earning assets | $27,898,750 | 4,892 |
| Average equity | $4,927,250 | 4,790 |
| Average total loans | $9,751,000 | 4,926 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 4,448 |
| Cost of funding earning assets | 1.3757% | 246 |
| Net interest margin | 2.0967% | 4,920 |
| Noninterest income to average assets | 0.2844% | 3,759 |
| Noninterest expense to average assets | 2.9413% | 1,733 |
| Loan and lease loss provision to assets | 0.0388% | 3,790 |
| Net operating income to assets | -0.6976% | 4,934 |
| Return on assets (ROA) | 0.5689% | 3,913 |
| Pretax return on assets | 0.7499% | 3,741 |
| Return on Equity (ROE) | 3.5606% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.5606% | 3,150 |
| Net charge-offs to loans | 0.0833% | 1,416 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | -31.5000% | 3,008 |
| Efficiency ratio | 138.2979% | 52 |
| Assets per employee ($millions) | 6.3536% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1260% | 36 |
| Loan loss allowance to noncurrent loans | 57.4353% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.9212% | 168 |
| Noncurrent loans to loans | 8.9248% | 33 |
| Net loans and leases to total assets | 31.0533% | 4,838 |
| Net loans and leases to deposits | 36.9808% | 4,846 |
| Net loans and leases to core deposits | 39.0863% | 4,840 |
| Total domestic deposits to total assets | 83.9713% | 2,756 |
| Equity capital to assets | 15.7486% | 502 |
| Core capital (leverage) ratio | 15.4989% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2281% | 279 |
| Memoranda: | ||
| Average total assets | $30,938,333 | 4,922 |
| Average earning assets | $27,185,333 | 4,926 |
| Average equity | $4,943,000 | 4,808 |
| Average total loans | $9,608,333 | 4,961 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,530 |
| Cost of funding earning assets | 1.3818% | 430 |
| Net interest margin | 2.2139% | 4,954 |
| Noninterest income to average assets | 0.4325% | 2,893 |
| Noninterest expense to average assets | 2.9879% | 1,907 |
| Loan and lease loss provision to assets | 0.0262% | 3,461 |
| Net operating income to assets | -0.5353% | 4,939 |
| Return on assets (ROA) | 0.3669% | 4,243 |
| Pretax return on assets | 0.4325% | 4,234 |
| Return on Equity (ROE) | 2.2797% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.2797% | 3,338 |
| Net charge-offs to loans | 0.0868% | 1,182 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 2,545 |
| Efficiency ratio | 125.2747% | 93 |
| Assets per employee ($millions) | 6.3330% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3870% | 33 |
| Loan loss allowance to noncurrent loans | 53.5282% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 3.1328% | 179 |
| Noncurrent loans to loans | 10.0639% | 28 |
| Net loans and leases to total assets | 29.4521% | 4,916 |
| Net loans and leases to deposits | 34.9799% | 4,921 |
| Net loans and leases to core deposits | 37.3384% | 4,909 |
| Total domestic deposits to total assets | 84.1971% | 2,714 |
| Equity capital to assets | 15.6166% | 649 |
| Core capital (leverage) ratio | 15.4266% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4720% | 202 |
| Memoranda: | ||
| Average total assets | $30,523,500 | 4,966 |
| Average earning assets | $26,920,500 | 4,969 |
| Average equity | $4,913,000 | 4,848 |
| Average total loans | $9,213,500 | 5,006 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 3,120 |
| Cost of funding earning assets | 1.1955% | 1,033 |
| Net interest margin | 3.2538% | 4,077 |
| Noninterest income to average assets | 0.5003% | 2,740 |
| Noninterest expense to average assets | 2.9005% | 2,290 |
| Loan and lease loss provision to assets | 1.5046% | 58 |
| Net operating income to assets | -0.7469% | 5,073 |
| Return on assets (ROA) | -0.7469% | 5,080 |
| Pretax return on assets | -1.0333% | 5,096 |
| Return on Equity (ROE) | -4.1800% | 5,064 |
| Retained earnings to average equity (ytd only) | -4.3829% | 4,961 |
| Net charge-offs to loans | 0.0875% | 1,872 |
| Credit loss provision to net charge-offs | 5,187.5000% | 86 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 2,184 |
| Efficiency ratio | 86.0215% | 539 |
| Assets per employee ($millions) | 5.8764% | 1,737 |
| Cash dividends to net income (ytd only)* | -4.8544% | 5,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1960% | 20 |
| Loan loss allowance to noncurrent loans | 56.9132% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.1754% | 165 |
| Noncurrent loans to loans | 10.8868% | 20 |
| Net loans and leases to total assets | 27.3603% | 5,005 |
| Net loans and leases to deposits | 32.9265% | 5,008 |
| Net loans and leases to core deposits | 35.0803% | 5,006 |
| Total domestic deposits to total assets | 83.0951% | 3,159 |
| Equity capital to assets | 16.6122% | 514 |
| Core capital (leverage) ratio | 16.9005% | 423 |
| Tier 1 risk-based capital ratio | 35.2032% | 326 |
| Total risk-based capital ratio | 36.4841% | 320 |
| Memoranda: | ||
| Average total assets | $27,581,200 | 5,053 |
| Average earning assets | $24,340,400 | 5,049 |
| Average equity | $4,928,200 | 4,889 |
| Average total loans | $9,144,600 | 5,069 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 3,150 |
| Cost of funding earning assets | 1.1565% | 1,151 |
| Net interest margin | 3.3138% | 4,070 |
| Noninterest income to average assets | 0.4963% | 2,751 |
| Noninterest expense to average assets | 2.8798% | 2,317 |
| Loan and lease loss provision to assets | 2.0198% | 43 |
| Net operating income to assets | -1.0812% | 5,179 |
| Return on assets (ROA) | -1.0812% | 5,184 |
| Pretax return on assets | -1.4743% | 5,192 |
| Return on Equity (ROE) | -5.9379% | 5,166 |
| Retained earnings to average equity (ytd only) | -6.2077% | 5,092 |
| Net charge-offs to loans | 0.1004% | 1,471 |
| Credit loss provision to net charge-offs | 5,871.4286% | 70 |
| Earnings coverage of net charge-offs (x) | 15.8628% | 2,167 |
| Efficiency ratio | 84.0746% | 613 |
| Assets per employee ($millions) | 5.4482% | 2,077 |
| Cash dividends to net income (ytd only)* | -4.5444% | 5,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1467% | 35 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 35.7219% | 4,948 |
| Net loans and leases to deposits | 43.7427% | 4,915 |
| Net loans and leases to core deposits | 46.2962% | 4,914 |
| Total domestic deposits to total assets | 81.6637% | 3,570 |
| Equity capital to assets | 17.9949% | 391 |
| Core capital (leverage) ratio | 17.6151% | 379 |
| Tier 1 risk-based capital ratio | 33.4526% | 385 |
| Total risk-based capital ratio | 34.7289% | 382 |
| Memoranda: | ||
| Average total assets | $27,131,000 | 5,131 |
| Average earning assets | $23,980,250 | 5,129 |
| Average equity | $4,940,000 | 4,955 |
| Average total loans | $9,288,250 | 5,145 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 3,397 |
| Cost of funding earning assets | 1.1085% | 1,263 |
| Net interest margin | 3.2670% | 4,206 |
| Noninterest income to average assets | 0.4503% | 2,959 |
| Noninterest expense to average assets | 2.7829% | 2,651 |
| Loan and lease loss provision to assets | 0.0443% | 2,936 |
| Net operating income to assets | 0.4872% | 4,556 |
| Return on assets (ROA) | 0.4872% | 4,591 |
| Pretax return on assets | 0.5167% | 4,678 |
| Return on Equity (ROE) | 2.6652% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.6652% | 3,866 |
| Net charge-offs to loans | 0.2008% | 819 |
| Credit loss provision to net charge-offs | 66.6667% | 2,348 |
| Earnings coverage of net charge-offs (x) | 8.4444% | 2,417 |
| Efficiency ratio | 83.2230% | 713 |
| Assets per employee ($millions) | 5.3382% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.3044% | 4,964 |
| Net loans and leases to deposits | 45.0844% | 4,925 |
| Net loans and leases to core deposits | 47.2130% | 4,926 |
| Total domestic deposits to total assets | 80.5253% | 3,930 |
| Equity capital to assets | 19.2275% | 285 |
| Core capital (leverage) ratio | 18.9973% | 276 |
| Tier 1 risk-based capital ratio | 36.1238% | 306 |
| Total risk-based capital ratio | 36.9866% | 312 |
| Memoranda: | ||
| Average total assets | $27,094,330 | 5,178 |
| Average earning assets | $23,997,330 | 5,176 |
| Average equity | $4,952,670 | 4,990 |
| Average total loans | $8,964,670 | 5,197 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 3,842 |
| Cost of funding earning assets | 1.0013% | 1,560 |
| Net interest margin | 3.2040% | 4,376 |
| Noninterest income to average assets | 0.4982% | 2,561 |
| Noninterest expense to average assets | 2.7403% | 2,776 |
| Loan and lease loss provision to assets | 0.0440% | 2,760 |
| Net operating income to assets | 0.4836% | 4,564 |
| Return on assets (ROA) | 0.4836% | 4,588 |
| Pretax return on assets | 0.5275% | 4,626 |
| Return on Equity (ROE) | 2.7144% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.7144% | 3,853 |
| Net charge-offs to loans | -0.0468% | 4,810 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7434% | 814 |
| Assets per employee ($millions) | 5.4948% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 30.7163% | 5,139 |
| Net loans and leases to deposits | 37.6120% | 5,119 |
| Net loans and leases to core deposits | 39.3042% | 5,124 |
| Total domestic deposits to total assets | 81.6663% | 3,807 |
| Equity capital to assets | 18.1007% | 345 |
| Core capital (leverage) ratio | 18.2398% | 324 |
| Tier 1 risk-based capital ratio | 40.3982% | 231 |
| Total risk-based capital ratio | 41.4258% | 231 |
| Memoranda: | ||
| Average total assets | $27,296,000 | 5,229 |
| Average earning assets | $23,970,000 | 5,229 |
| Average equity | $4,863,000 | 5,047 |
| Average total loans | $8,541,500 | 5,266 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,620 |
| Cost of funding earning assets | 0.6892% | 2,151 |
| Net interest margin | 3.4502% | 3,858 |
| Noninterest income to average assets | 0.5063% | 2,804 |
| Noninterest expense to average assets | 2.7073% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7038% | 4,131 |
| Return on assets (ROA) | 0.7038% | 4,134 |
| Pretax return on assets | 0.8546% | 4,027 |
| Return on Equity (ROE) | 4.2271% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.0114% | 3,363 |
| Net charge-offs to loans | 0.1640% | 1,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 2,214 |
| Efficiency ratio | 76.0081% | 1,362 |
| Assets per employee ($millions) | 5.4236% | 2,036 |
| Cash dividends to net income (ytd only)* | 5.1020% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 30.9462% | 5,191 |
| Net loans and leases to deposits | 37.6340% | 5,162 |
| Net loans and leases to core deposits | 39.3344% | 5,171 |
| Total domestic deposits to total assets | 82.2295% | 3,580 |
| Equity capital to assets | 17.5271% | 377 |
| Core capital (leverage) ratio | 18.4652% | 296 |
| Tier 1 risk-based capital ratio | 40.3942% | 226 |
| Total risk-based capital ratio | 41.3960% | 228 |
| Memoranda: | ||
| Average total assets | $27,850,200 | 5,268 |
| Average earning assets | $24,665,200 | 5,268 |
| Average equity | $4,636,800 | 5,096 |
| Average total loans | $8,535,800 | 5,312 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 3,688 |
| Cost of funding earning assets | 0.6627% | 2,080 |
| Net interest margin | 3.4204% | 3,944 |
| Noninterest income to average assets | 0.4946% | 2,904 |
| Noninterest expense to average assets | 2.7538% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7039% | 4,212 |
| Return on assets (ROA) | 0.7039% | 4,218 |
| Pretax return on assets | 0.7848% | 4,334 |
| Return on Equity (ROE) | 4.2826% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.9933% | 3,777 |
| Net charge-offs to loans | 0.2497% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 10.3136% | 2,595 |
| Efficiency ratio | 77.8226% | 1,138 |
| Assets per employee ($millions) | 5.3560% | 2,073 |
| Cash dividends to net income (ytd only)* | 6.7552% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 35.5713% | 5,156 |
| Net loans and leases to deposits | 43.0943% | 5,128 |
| Net loans and leases to core deposits | 45.0551% | 5,135 |
| Total domestic deposits to total assets | 82.5429% | 3,454 |
| Equity capital to assets | 17.1546% | 409 |
| Core capital (leverage) ratio | 18.1392% | 320 |
| Tier 1 risk-based capital ratio | 36.7168% | 280 |
| Total risk-based capital ratio | 37.6214% | 284 |
| Memoranda: | ||
| Average total assets | $28,033,250 | 5,335 |
| Average earning assets | $24,947,500 | 5,336 |
| Average equity | $4,607,750 | 5,161 |
| Average total loans | $8,540,750 | 5,382 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 4,021 |
| Cost of funding earning assets | 0.6333% | 2,029 |
| Net interest margin | 3.2850% | 4,291 |
| Noninterest income to average assets | 0.4710% | 3,030 |
| Noninterest expense to average assets | 2.7064% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6116% | 4,460 |
| Return on assets (ROA) | 0.6116% | 4,466 |
| Pretax return on assets | 0.6819% | 4,552 |
| Return on Equity (ROE) | 3.7725% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.7725% | 3,713 |
| Net charge-offs to loans | 0.4161% | 373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.7059% | 2,688 |
| Efficiency ratio | 79.8755% | 1,028 |
| Assets per employee ($millions) | 5.5942% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 33.1379% | 5,265 |
| Net loans and leases to deposits | 39.7044% | 5,252 |
| Net loans and leases to core deposits | 41.4072% | 5,255 |
| Total domestic deposits to total assets | 83.4614% | 3,261 |
| Equity capital to assets | 16.3991% | 452 |
| Core capital (leverage) ratio | 17.2516% | 367 |
| Tier 1 risk-based capital ratio | 35.7946% | 315 |
| Total risk-based capital ratio | 36.6784% | 319 |
| Memoranda: | ||
| Average total assets | $28,451,000 | 5,393 |
| Average earning assets | $25,266,330 | 5,387 |
| Average equity | $4,612,330 | 5,221 |
| Average total loans | $8,171,670 | 5,449 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,511 |
| Cost of funding earning assets | 0.6367% | 1,799 |
| Net interest margin | 3.0440% | 4,811 |
| Noninterest income to average assets | 0.4461% | 3,140 |
| Noninterest expense to average assets | 2.6907% | 3,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4740% | 4,757 |
| Return on assets (ROA) | 0.4740% | 4,759 |
| Pretax return on assets | 0.4880% | 4,889 |
| Return on Equity (ROE) | 2.9405% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.9405% | 4,022 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6491% | 750 |
| Assets per employee ($millions) | 5.8678% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 26.8244% | 5,427 |
| Net loans and leases to deposits | 31.7710% | 5,423 |
| Net loans and leases to core deposits | 32.7058% | 5,427 |
| Total domestic deposits to total assets | 84.4303% | 3,137 |
| Equity capital to assets | 15.4709% | 572 |
| Core capital (leverage) ratio | 16.4847% | 433 |
| Tier 1 risk-based capital ratio | 39.4146% | 231 |
| Total risk-based capital ratio | 40.5366% | 232 |
| Memoranda: | ||
| Average total assets | $28,691,000 | 5,453 |
| Average earning assets | $25,756,000 | 5,441 |
| Average equity | $4,625,000 | 5,272 |
| Average total loans | $7,562,500 | 5,527 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,206 |
| Cost of funding earning assets | 0.5724% | 1,805 |
| Net interest margin | 3.4867% | 3,567 |
| Noninterest income to average assets | 0.5099% | 2,938 |
| Noninterest expense to average assets | 2.6416% | 3,308 |
| Loan and lease loss provision to assets | 0.1062% | 2,109 |
| Net operating income to assets | 0.6516% | 3,815 |
| Return on assets (ROA) | 0.6516% | 3,852 |
| Pretax return on assets | 0.8463% | 4,106 |
| Return on Equity (ROE) | 3.9818% | 4,508 |
| Retained earnings to average equity (ytd only) | 3.7654% | 2,965 |
| Net charge-offs to loans | 0.7925% | 254 |
| Credit loss provision to net charge-offs | 42.8571% | 3,413 |
| Earnings coverage of net charge-offs (x) | 3.8429% | 3,545 |
| Efficiency ratio | 73.4975% | 1,981 |
| Assets per employee ($millions) | 5.6086% | 1,838 |
| Cash dividends to net income (ytd only)* | 5.4348% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 24.8868% | 5,518 |
| Net loans and leases to deposits | 29.9631% | 5,518 |
| Net loans and leases to core deposits | 30.8997% | 5,519 |
| Total domestic deposits to total assets | 83.0582% | 3,544 |
| Equity capital to assets | 16.7992% | 414 |
| Core capital (leverage) ratio | 17.3791% | 339 |
| Tier 1 risk-based capital ratio | 42.4141% | 184 |
| Total risk-based capital ratio | 43.6300% | 183 |
| Memoranda: | ||
| Average total assets | $28,240,000 | 5,513 |
| Average earning assets | $24,980,400 | 5,509 |
| Average equity | $4,621,000 | 5,330 |
| Average total loans | $8,833,000 | 5,561 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 3,104 |
| Cost of funding earning assets | 0.5742% | 1,714 |
| Net interest margin | 3.4930% | 3,527 |
| Noninterest income to average assets | 0.5561% | 2,693 |
| Noninterest expense to average assets | 2.7100% | 3,031 |
| Loan and lease loss provision to assets | 0.1037% | 2,039 |
| Net operating income to assets | 0.7352% | 3,794 |
| Return on assets (ROA) | 0.7352% | 3,870 |
| Pretax return on assets | 0.8389% | 4,243 |
| Return on Equity (ROE) | 4.5230% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.2331% | 3,380 |
| Net charge-offs to loans | 1.0797% | 155 |
| Credit loss provision to net charge-offs | 29.3333% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.6666% | 3,437 |
| Efficiency ratio | 74.1935% | 1,867 |
| Assets per employee ($millions) | 5.3448% | 2,073 |
| Cash dividends to net income (ytd only)* | 6.4090% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 35.7581% | 5,359 |
| Net loans and leases to deposits | 43.6526% | 5,320 |
| Net loans and leases to core deposits | 45.1053% | 5,338 |
| Total domestic deposits to total assets | 81.9151% | 3,805 |
| Equity capital to assets | 17.8566% | 344 |
| Core capital (leverage) ratio | 16.9257% | 390 |
| Tier 1 risk-based capital ratio | 34.6985% | 330 |
| Total risk-based capital ratio | 35.6078% | 333 |
| Memoranda: | ||
| Average total assets | $28,289,250 | 5,575 |
| Average earning assets | $25,078,000 | 5,571 |
| Average equity | $4,598,500 | 5,390 |
| Average total loans | $9,262,000 | 5,617 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,277 |
| Cost of funding earning assets | 0.5597% | 1,714 |
| Net interest margin | 3.4213% | 3,691 |
| Noninterest income to average assets | 0.5762% | 2,575 |
| Noninterest expense to average assets | 2.6934% | 3,111 |
| Loan and lease loss provision to assets | 0.0833% | 2,320 |
| Net operating income to assets | 0.7011% | 3,847 |
| Return on assets (ROA) | 0.7011% | 3,907 |
| Pretax return on assets | 0.8122% | 4,226 |
| Return on Equity (ROE) | 4.4487% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.4487% | 3,065 |
| Net charge-offs to loans | 1.5347% | 119 |
| Credit loss provision to net charge-offs | 17.1429% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.8429% | 3,237 |
| Efficiency ratio | 75.0484% | 1,849 |
| Assets per employee ($millions) | 5.4554% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 35.2715% | 5,406 |
| Net loans and leases to deposits | 42.7334% | 5,378 |
| Net loans and leases to core deposits | 43.5990% | 5,404 |
| Total domestic deposits to total assets | 82.5384% | 3,711 |
| Equity capital to assets | 17.3040% | 383 |
| Core capital (leverage) ratio | 16.8420% | 383 |
| Tier 1 risk-based capital ratio | 33.5702% | 344 |
| Total risk-based capital ratio | 34.4230% | 351 |
| Memoranda: | ||
| Average total assets | $28,811,000 | 5,611 |
| Average earning assets | $25,370,670 | 5,611 |
| Average equity | $4,540,670 | 5,435 |
| Average total loans | $9,122,330 | 5,666 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 3,873 |
| Cost of funding earning assets | 0.5450% | 1,748 |
| Net interest margin | 3.2235% | 4,267 |
| Noninterest income to average assets | 0.5004% | 2,977 |
| Noninterest expense to average assets | 2.6912% | 3,179 |
| Loan and lease loss provision to assets | 0.0811% | 2,191 |
| Net operating income to assets | 0.4463% | 4,794 |
| Return on assets (ROA) | 0.4463% | 4,816 |
| Pretax return on assets | 0.5274% | 4,905 |
| Return on Equity (ROE) | 2.9656% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.9656% | 3,927 |
| Net charge-offs to loans | -0.0454% | 5,140 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5574% | 1,197 |
| Assets per employee ($millions) | 5.9400% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 781 |
| Loan loss allowance to noncurrent loans | 268.1159% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 4,292 |
| Noncurrent loans to loans | 0.7113% | 2,719 |
| Net loans and leases to total assets | 32.0370% | 5,539 |
| Net loans and leases to deposits | 37.8646% | 5,527 |
| Net loans and leases to core deposits | 38.5488% | 5,561 |
| Total domestic deposits to total assets | 84.6094% | 3,257 |
| Equity capital to assets | 15.1886% | 619 |
| Core capital (leverage) ratio | 15.8859% | 476 |
| Tier 1 risk-based capital ratio | 31.5640% | 431 |
| Total risk-based capital ratio | 32.8113% | 424 |
| Memoranda: | ||
| Average total assets | $29,578,000 | 5,670 |
| Average earning assets | $25,686,000 | 5,674 |
| Average equity | $4,451,000 | 5,504 |
| Average total loans | $8,813,000 | 5,735 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,339 |
| Cost of funding earning assets | 0.5507% | 1,683 |
| Net interest margin | 3.4110% | 3,786 |
| Noninterest income to average assets | 0.4489% | 3,554 |
| Noninterest expense to average assets | 2.6104% | 3,646 |
| Loan and lease loss provision to assets | 0.0200% | 3,969 |
| Net operating income to assets | 0.6352% | 4,069 |
| Return on assets (ROA) | 0.7914% | 3,447 |
| Pretax return on assets | 0.9776% | 3,548 |
| Return on Equity (ROE) | 5.2250% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.0494% | 2,313 |
| Net charge-offs to loans | 0.1963% | 1,412 |
| Credit loss provision to net charge-offs | 33.3333% | 3,554 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 2,369 |
| Efficiency ratio | 76.4362% | 1,919 |
| Assets per employee ($millions) | 5.8912% | 1,548 |
| Cash dividends to net income (ytd only)* | 3.3613% | 4,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 438 |
| Loan loss allowance to noncurrent loans | 234.2105% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 4,266 |
| Noncurrent loans to loans | 0.9589% | 2,166 |
| Net loans and leases to total assets | 26.3036% | 5,724 |
| Net loans and leases to deposits | 31.0156% | 5,724 |
| Net loans and leases to core deposits | 31.5781% | 5,734 |
| Total domestic deposits to total assets | 84.8078% | 3,131 |
| Equity capital to assets | 14.9070% | 654 |
| Core capital (leverage) ratio | 15.6188% | 513 |
| Tier 1 risk-based capital ratio | 34.7098% | 329 |
| Total risk-based capital ratio | 35.9562% | 326 |
| Memoranda: | ||
| Average total assets | $30,072,200 | 5,714 |
| Average earning assets | $26,150,600 | 5,721 |
| Average equity | $4,555,000 | 5,547 |
| Average total loans | $9,170,400 | 5,780 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 3,416 |
| Cost of funding earning assets | 0.5449% | 1,748 |
| Net interest margin | 3.4058% | 3,820 |
| Noninterest income to average assets | 0.4455% | 3,589 |
| Noninterest expense to average assets | 2.8143% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5236% | 4,600 |
| Return on assets (ROA) | 0.7322% | 3,819 |
| Pretax return on assets | 0.8513% | 4,150 |
| Return on Equity (ROE) | 4.8157% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.5836% | 3,090 |
| Net charge-offs to loans | 0.1969% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.8554% | 2,644 |
| Efficiency ratio | 82.2165% | 1,168 |
| Assets per employee ($millions) | 5.8336% | 1,553 |
| Cash dividends to net income (ytd only)* | 4.8209% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 1,107 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 4,384 |
| Noncurrent loans to loans | 0.7692% | 2,746 |
| Net loans and leases to total assets | 33.7219% | 5,631 |
| Net loans and leases to deposits | 40.8065% | 5,613 |
| Net loans and leases to core deposits | 41.5723% | 5,644 |
| Total domestic deposits to total assets | 82.6385% | 3,730 |
| Equity capital to assets | 16.4941% | 486 |
| Core capital (leverage) ratio | 15.4313% | 566 |
| Tier 1 risk-based capital ratio | 30.9718% | 446 |
| Total risk-based capital ratio | 32.1628% | 446 |
| Memoranda: | ||
| Average total assets | $30,226,250 | 5,773 |
| Average earning assets | $26,425,000 | 5,777 |
| Average equity | $4,596,000 | 5,596 |
| Average total loans | $9,481,500 | 5,841 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 3,682 |
| Cost of funding earning assets | 0.5470% | 1,721 |
| Net interest margin | 3.3268% | 4,134 |
| Noninterest income to average assets | 0.4251% | 3,693 |
| Noninterest expense to average assets | 2.8124% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4369% | 4,916 |
| Return on assets (ROA) | 0.7391% | 3,772 |
| Pretax return on assets | 0.8764% | 4,038 |
| Return on Equity (ROE) | 4.9952% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.9952% | 2,744 |
| Net charge-offs to loans | 0.3009% | 793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.6429% | 2,834 |
| Efficiency ratio | 84.4794% | 1,007 |
| Assets per employee ($millions) | 6.0230% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,035 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 33.7274% | 5,689 |
| Net loans and leases to deposits | 40.2816% | 5,678 |
| Net loans and leases to core deposits | 41.0019% | 5,707 |
| Total domestic deposits to total assets | 83.7290% | 3,373 |
| Equity capital to assets | 15.3246% | 662 |
| Core capital (leverage) ratio | 15.1608% | 583 |
| Tier 1 risk-based capital ratio | 30.1472% | 487 |
| Total risk-based capital ratio | 31.3177% | 487 |
| Memoranda: | ||
| Average total assets | $30,579,000 | 5,839 |
| Average earning assets | $26,692,000 | 5,847 |
| Average equity | $4,524,330 | 5,672 |
| Average total loans | $9,305,000 | 5,918 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,304 |
| Cost of funding earning assets | 0.5334% | 1,840 |
| Net interest margin | 3.1705% | 4,674 |
| Noninterest income to average assets | 0.4154% | 3,716 |
| Noninterest expense to average assets | 2.8042% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3174% | 5,250 |
| Return on assets (ROA) | 0.8958% | 2,899 |
| Pretax return on assets | 1.1035% | 3,081 |
| Return on Equity (ROE) | 6.1621% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.1621% | 2,300 |
| Net charge-offs to loans | 0.6825% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,742 |
| Efficiency ratio | 87.8049% | 827 |
| Assets per employee ($millions) | 6.2078% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 5,115 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 30.6969% | 5,811 |
| Net loans and leases to deposits | 36.1951% | 5,824 |
| Net loans and leases to core deposits | 36.8132% | 5,842 |
| Total domestic deposits to total assets | 84.8094% | 3,199 |
| Equity capital to assets | 14.7814% | 745 |
| Core capital (leverage) ratio | 14.6632% | 671 |
| Tier 1 risk-based capital ratio | 30.2283% | 498 |
| Total risk-based capital ratio | 31.4071% | 492 |
| Memoranda: | ||
| Average total assets | $30,811,000 | 5,896 |
| Average earning assets | $26,999,000 | 5,898 |
| Average equity | $4,479,000 | 5,726 |
| Average total loans | $8,791,500 | 5,987 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,208 |
| Cost of funding earning assets | 0.5701% | 1,595 |
| Net interest margin | 3.1760% | 4,695 |
| Noninterest income to average assets | 0.4782% | 3,475 |
| Noninterest expense to average assets | 2.9441% | 2,717 |
| Loan and lease loss provision to assets | 0.0137% | 4,131 |
| Net operating income to assets | 0.3106% | 5,329 |
| Return on assets (ROA) | 0.4679% | 4,899 |
| Pretax return on assets | 0.4782% | 5,158 |
| Return on Equity (ROE) | 3.1999% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.0130% | 3,912 |
| Net charge-offs to loans | -0.9696% | 6,127 |
| Credit loss provision to net charge-offs | -5.0000% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8853% | 695 |
| Assets per employee ($millions) | 5.0972% | 2,251 |
| Cash dividends to net income (ytd only)* | 5.8394% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 5,001 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 25.1480% | 5,991 |
| Net loans and leases to deposits | 29.3886% | 6,001 |
| Net loans and leases to core deposits | 29.8923% | 6,007 |
| Total domestic deposits to total assets | 85.5704% | 2,833 |
| Equity capital to assets | 14.2890% | 839 |
| Core capital (leverage) ratio | 15.0884% | 599 |
| Tier 1 risk-based capital ratio | 15.6758% | 2,847 |
| Total risk-based capital ratio | 16.3538% | 3,065 |
| Memoranda: | ||
| Average total assets | $29,279,000 | 5,968 |
| Average earning assets | $25,786,800 | 5,972 |
| Average equity | $4,281,400 | 5,802 |
| Average total loans | $8,250,800 | 6,056 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,069 |
| Cost of funding earning assets | 0.5759% | 1,577 |
| Net interest margin | 3.2304% | 4,573 |
| Noninterest income to average assets | 0.4835% | 3,481 |
| Noninterest expense to average assets | 3.0347% | 2,417 |
| Loan and lease loss provision to assets | 0.0184% | 3,910 |
| Net operating income to assets | 0.2103% | 5,657 |
| Return on assets (ROA) | 0.3592% | 5,376 |
| Pretax return on assets | 0.4651% | 5,306 |
| Return on Equity (ROE) | 2.4417% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.1912% | 4,789 |
| Net charge-offs to loans | -1.2625% | 6,219 |
| Credit loss provision to net charge-offs | -5.0633% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2742% | 612 |
| Assets per employee ($millions) | 4.7685% | 2,599 |
| Cash dividends to net income (ytd only)* | 10.2596% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 5,069 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 29.5411% | 5,989 |
| Net loans and leases to deposits | 34.8896% | 6,004 |
| Net loans and leases to core deposits | 35.5350% | 6,024 |
| Total domestic deposits to total assets | 84.6702% | 3,145 |
| Equity capital to assets | 15.0851% | 721 |
| Core capital (leverage) ratio | 15.1182% | 614 |
| Tier 1 risk-based capital ratio | 17.0508% | 2,359 |
| Total risk-based capital ratio | 17.7942% | 2,512 |
| Memoranda: | ||
| Average total assets | $28,953,000 | 6,056 |
| Average earning assets | $25,466,250 | 6,059 |
| Average equity | $4,259,250 | 5,887 |
| Average total loans | $8,343,250 | 6,136 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 4,114 |
| Cost of funding earning assets | 0.5848% | 1,530 |
| Net interest margin | 3.2004% | 4,659 |
| Noninterest income to average assets | 0.4679% | 3,574 |
| Noninterest expense to average assets | 3.0550% | 2,385 |
| Loan and lease loss provision to assets | 0.0275% | 3,581 |
| Net operating income to assets | 0.1353% | 5,835 |
| Return on assets (ROA) | 0.2821% | 5,579 |
| Pretax return on assets | 0.3578% | 5,555 |
| Return on Equity (ROE) | 1.9338% | 5,695 |
| Retained earnings to average equity (ytd only) | 1.9338% | 4,730 |
| Net charge-offs to loans | -1.9408% | 6,297 |
| Credit loss provision to net charge-offs | -5.0000% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8689% | 523 |
| Assets per employee ($millions) | 4.8713% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8920% | 1,199 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 30.0055% | 6,037 |
| Net loans and leases to deposits | 34.9862% | 6,063 |
| Net loans and leases to core deposits | 35.6099% | 6,070 |
| Total domestic deposits to total assets | 85.7637% | 2,813 |
| Equity capital to assets | 14.1303% | 945 |
| Core capital (leverage) ratio | 14.4769% | 718 |
| Tier 1 risk-based capital ratio | 16.3571% | 2,680 |
| Total risk-based capital ratio | 17.0788% | 2,903 |
| Memoranda: | ||
| Average total assets | $29,067,000 | 6,125 |
| Average earning assets | $25,309,330 | 6,125 |
| Average equity | $4,240,330 | 5,950 |
| Average total loans | $8,244,000 | 6,210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,404 |
| Cost of funding earning assets | 0.5677% | 1,681 |
| Net interest margin | 3.1222% | 4,874 |
| Noninterest income to average assets | 0.4968% | 3,306 |
| Noninterest expense to average assets | 3.0773% | 2,342 |
| Loan and lease loss provision to assets | 0.0414% | 3,087 |
| Net operating income to assets | 0.0800% | 5,911 |
| Return on assets (ROA) | 0.1794% | 5,801 |
| Pretax return on assets | 0.2484% | 5,755 |
| Return on Equity (ROE) | 1.2106% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.2106% | 5,000 |
| Net charge-offs to loans | -3.3984% | 6,372 |
| Credit loss provision to net charge-offs | -4.4776% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2991% | 531 |
| Assets per employee ($millions) | 5.0235% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0873% | 941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8347% | 1,334 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.3913% | 6,159 |
| Net loans and leases to deposits | 32.1483% | 6,159 |
| Net loans and leases to core deposits | 32.7074% | 6,170 |
| Total domestic deposits to total assets | 85.2029% | 3,308 |
| Equity capital to assets | 14.5284% | 823 |
| Core capital (leverage) ratio | 14.0770% | 800 |
| Tier 1 risk-based capital ratio | 15.5779% | 3,114 |
| Total risk-based capital ratio | 15.5779% | 3,740 |
| Memoranda: | ||
| Average total assets | $28,986,500 | 6,188 |
| Average earning assets | $25,367,000 | 6,191 |
| Average equity | $4,295,500 | 5,997 |
| Average total loans | $7,886,000 | 6,286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,736 |
| Cost of funding earning assets | 0.6051% | 1,724 |
| Net interest margin | 3.3932% | 4,227 |
| Noninterest income to average assets | 0.5505% | 3,175 |
| Noninterest expense to average assets | 3.1217% | 2,445 |
| Loan and lease loss provision to assets | 0.0507% | 3,549 |
| Net operating income to assets | 0.3045% | 5,504 |
| Return on assets (ROA) | 0.4961% | 4,918 |
| Pretax return on assets | 0.6265% | 4,852 |
| Return on Equity (ROE) | 3.4935% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.2895% | 3,889 |
| Net charge-offs to loans | 1.5676% | 152 |
| Credit loss provision to net charge-offs | 11.5702% | 4,084 |
| Earnings coverage of net charge-offs (x) | 0.9917% | 4,521 |
| Efficiency ratio | 87.7800% | 1,011 |
| Assets per employee ($millions) | 3.9760% | 4,010 |
| Cash dividends to net income (ytd only)* | 5.8394% | 4,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 1,425 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 25.9917% | 6,276 |
| Net loans and leases to deposits | 30.6655% | 6,284 |
| Net loans and leases to core deposits | 31.6975% | 6,284 |
| Total domestic deposits to total assets | 84.7586% | 3,389 |
| Equity capital to assets | 15.1337% | 683 |
| Core capital (leverage) ratio | 15.3683% | 553 |
| Tier 1 risk-based capital ratio | 33.1288% | 394 |
| Total risk-based capital ratio | 33.9522% | 396 |
| Memoranda: | ||
| Average total assets | $27,613,400 | 6,300 |
| Average earning assets | $24,460,400 | 6,284 |
| Average equity | $3,921,600 | 6,103 |
| Average total loans | $7,718,800 | 6,380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,882 |
| Cost of funding earning assets | 0.6153% | 1,719 |
| Net interest margin | 3.3541% | 4,416 |
| Noninterest income to average assets | 0.5999% | 2,871 |
| Noninterest expense to average assets | 3.0383% | 2,678 |
| Loan and lease loss provision to assets | 0.0532% | 3,311 |
| Net operating income to assets | 0.3836% | 5,308 |
| Return on assets (ROA) | 0.5709% | 4,666 |
| Pretax return on assets | 0.7257% | 4,604 |
| Return on Equity (ROE) | 4.0876% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.8103% | 3,945 |
| Net charge-offs to loans | 1.7406% | 124 |
| Credit loss provision to net charge-offs | 10.7843% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.0980% | 4,232 |
| Efficiency ratio | 84.8649% | 1,297 |
| Assets per employee ($millions) | 3.9191% | 4,042 |
| Cash dividends to net income (ytd only)* | 6.7819% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8809% | 1,559 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 28.9385% | 6,290 |
| Net loans and leases to deposits | 34.0248% | 6,296 |
| Net loans and leases to core deposits | 35.1812% | 6,293 |
| Total domestic deposits to total assets | 85.0514% | 3,320 |
| Equity capital to assets | 14.7627% | 783 |
| Core capital (leverage) ratio | 15.3607% | 572 |
| Tier 1 risk-based capital ratio | 31.5102% | 459 |
| Total risk-based capital ratio | 32.4156% | 467 |
| Memoranda: | ||
| Average total assets | $27,558,750 | 6,375 |
| Average earning assets | $24,487,000 | 6,360 |
| Average equity | $3,849,000 | 6,189 |
| Average total loans | $7,813,500 | 6,453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 3,851 |
| Cost of funding earning assets | 0.6196% | 1,734 |
| Net interest margin | 3.3508% | 4,397 |
| Noninterest income to average assets | 0.5507% | 3,116 |
| Noninterest expense to average assets | 3.0145% | 2,783 |
| Loan and lease loss provision to assets | 0.0435% | 3,447 |
| Net operating income to assets | 0.3696% | 5,328 |
| Return on assets (ROA) | 0.6522% | 4,185 |
| Pretax return on assets | 0.8333% | 4,146 |
| Return on Equity (ROE) | 4.7594% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.7594% | 3,111 |
| Net charge-offs to loans | 2.6646% | 75 |
| Credit loss provision to net charge-offs | 5.8252% | 3,350 |
| Earnings coverage of net charge-offs (x) | 0.6893% | 3,998 |
| Efficiency ratio | 85.4209% | 1,328 |
| Assets per employee ($millions) | 4.5640% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 1,720 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 28.7723% | 6,340 |
| Net loans and leases to deposits | 33.7142% | 6,352 |
| Net loans and leases to core deposits | 34.8567% | 6,358 |
| Total domestic deposits to total assets | 85.3418% | 3,344 |
| Equity capital to assets | 14.5559% | 805 |
| Core capital (leverage) ratio | 15.0606% | 602 |
| Tier 1 risk-based capital ratio | 31.4177% | 464 |
| Total risk-based capital ratio | 32.2801% | 477 |
| Memoranda: | ||
| Average total assets | $27,600,330 | 6,432 |
| Average earning assets | $24,531,330 | 6,419 |
| Average equity | $3,782,000 | 6,247 |
| Average total loans | $7,731,000 | 6,518 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,293 |
| Cost of funding earning assets | 0.6147% | 1,858 |
| Net interest margin | 3.2351% | 4,796 |
| Noninterest income to average assets | 0.5341% | 3,153 |
| Noninterest expense to average assets | 3.0027% | 2,849 |
| Loan and lease loss provision to assets | 0.0433% | 3,230 |
| Net operating income to assets | 0.2978% | 5,501 |
| Return on assets (ROA) | 0.3320% | 5,438 |
| Pretax return on assets | 0.4186% | 5,393 |
| Return on Equity (ROE) | 2.5000% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.5000% | 4,570 |
| Net charge-offs to loans | -0.2106% | 6,403 |
| Credit loss provision to net charge-offs | -75.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7637% | 1,252 |
| Assets per employee ($millions) | 4.8010% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7610% | 575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 1,961 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 26.8972% | 6,446 |
| Net loans and leases to deposits | 31.0094% | 6,461 |
| Net loans and leases to core deposits | 31.9888% | 6,460 |
| Total domestic deposits to total assets | 86.7389% | 2,970 |
| Equity capital to assets | 13.1327% | 1,243 |
| Core capital (leverage) ratio | 14.6965% | 647 |
| Tier 1 risk-based capital ratio | 30.1734% | 522 |
| Total risk-based capital ratio | 31.4282% | 514 |
| Memoranda: | ||
| Average total assets | $27,708,500 | 6,502 |
| Average earning assets | $24,728,500 | 6,486 |
| Average equity | $3,680,000 | 6,312 |
| Average total loans | $7,599,000 | 6,588 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,708 |
| Cost of funding earning assets | 0.6694% | 2,046 |
| Net interest margin | 3.1573% | 5,135 |
| Noninterest income to average assets | 0.5553% | 3,368 |
| Noninterest expense to average assets | 2.8197% | 3,657 |
| Loan and lease loss provision to assets | 0.0645% | 3,843 |
| Net operating income to assets | 0.3945% | 5,167 |
| Return on assets (ROA) | 0.6413% | 4,174 |
| Pretax return on assets | 0.7775% | 4,235 |
| Return on Equity (ROE) | 4.6303% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,025 |
| Net charge-offs to loans | 0.3050% | 2,161 |
| Credit loss provision to net charge-offs | 78.2609% | 3,090 |
| Earnings coverage of net charge-offs (x) | 6.5652% | 3,034 |
| Efficiency ratio | 83.9019% | 1,633 |
| Assets per employee ($millions) | 4.4352% | 3,018 |
| Cash dividends to net income (ytd only)* | 4.4693% | 4,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9461% | 506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9390% | 1,864 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 26.3688% | 6,560 |
| Net loans and leases to deposits | 30.5259% | 6,572 |
| Net loans and leases to core deposits | 31.5711% | 6,570 |
| Total domestic deposits to total assets | 86.3816% | 3,054 |
| Equity capital to assets | 13.4418% | 1,093 |
| Core capital (leverage) ratio | 15.4104% | 554 |
| Tier 1 risk-based capital ratio | 33.2262% | 391 |
| Total risk-based capital ratio | 34.4794% | 383 |
| Memoranda: | ||
| Average total assets | $27,910,800 | 6,561 |
| Average earning assets | $24,799,400 | 6,554 |
| Average equity | $3,865,800 | 6,359 |
| Average total loans | $7,542,000 | 6,668 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 5,030 |
| Cost of funding earning assets | 0.6720% | 2,163 |
| Net interest margin | 3.0796% | 5,379 |
| Noninterest income to average assets | 0.5289% | 3,600 |
| Noninterest expense to average assets | 2.6916% | 4,046 |
| Loan and lease loss provision to assets | 0.0614% | 3,815 |
| Net operating income to assets | 0.3919% | 5,275 |
| Return on assets (ROA) | 0.6894% | 4,048 |
| Pretax return on assets | 0.9208% | 3,791 |
| Return on Equity (ROE) | 4.9431% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.6724% | 3,340 |
| Net charge-offs to loans | 0.3150% | 1,968 |
| Credit loss provision to net charge-offs | 72.2222% | 3,024 |
| Earnings coverage of net charge-offs (x) | 6.8888% | 2,888 |
| Efficiency ratio | 82.1326% | 1,809 |
| Assets per employee ($millions) | 5.3282% | 1,819 |
| Cash dividends to net income (ytd only)* | 5.4814% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7832% | 681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 2,098 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.9269% | 6,598 |
| Net loans and leases to deposits | 32.3844% | 6,610 |
| Net loans and leases to core deposits | 33.4924% | 6,618 |
| Total domestic deposits to total assets | 86.2355% | 3,111 |
| Equity capital to assets | 13.5318% | 1,105 |
| Core capital (leverage) ratio | 15.2236% | 608 |
| Tier 1 risk-based capital ratio | 32.5814% | 417 |
| Total risk-based capital ratio | 33.8364% | 411 |
| Memoranda: | ||
| Average total assets | $28,235,750 | 6,634 |
| Average earning assets | $25,197,500 | 6,623 |
| Average equity | $3,938,000 | 6,418 |
| Average total loans | $7,620,000 | 6,740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 5,249 |
| Cost of funding earning assets | 0.6894% | 2,147 |
| Net interest margin | 2.9770% | 5,623 |
| Noninterest income to average assets | 0.4797% | 3,963 |
| Noninterest expense to average assets | 2.6002% | 4,386 |
| Loan and lease loss provision to assets | 0.0626% | 3,759 |
| Net operating income to assets | 0.3396% | 5,451 |
| Return on assets (ROA) | 0.7717% | 3,611 |
| Pretax return on assets | 1.0428% | 3,322 |
| Return on Equity (ROE) | 5.4828% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.4828% | 2,751 |
| Net charge-offs to loans | 0.2103% | 2,500 |
| Credit loss provision to net charge-offs | 112.5000% | 1,970 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,293 |
| Efficiency ratio | 83.2962% | 1,717 |
| Assets per employee ($millions) | 5.6558% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7565% | 747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8247% | 2,379 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 27.3206% | 6,647 |
| Net loans and leases to deposits | 31.4538% | 6,668 |
| Net loans and leases to core deposits | 32.4567% | 6,676 |
| Total domestic deposits to total assets | 86.8595% | 2,905 |
| Equity capital to assets | 13.0238% | 1,334 |
| Core capital (leverage) ratio | 14.4483% | 716 |
| Tier 1 risk-based capital ratio | 30.6766% | 491 |
| Total risk-based capital ratio | 31.9335% | 488 |
| Memoranda: | ||
| Average total assets | $28,767,330 | 6,674 |
| Average earning assets | $25,528,670 | 6,667 |
| Average equity | $4,049,000 | 6,440 |
| Average total loans | $7,609,000 | 6,788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 5,854 |
| Cost of funding earning assets | 0.7287% | 2,000 |
| Net interest margin | 2.7132% | 6,198 |
| Noninterest income to average assets | 0.4274% | 4,268 |
| Noninterest expense to average assets | 2.9230% | 3,257 |
| Loan and lease loss provision to assets | 0.0552% | 3,714 |
| Net operating income to assets | -0.0910% | 6,434 |
| Return on assets (ROA) | 0.3033% | 5,681 |
| Pretax return on assets | 0.4688% | 5,362 |
| Return on Equity (ROE) | 2.0794% | 5,915 |
| Retained earnings to average equity (ytd only) | 2.0794% | 4,968 |
| Net charge-offs to loans | 0.1613% | 2,435 |
| Credit loss provision to net charge-offs | 133.3333% | 1,484 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,017 |
| Efficiency ratio | 102.9126% | 458 |
| Assets per employee ($millions) | 5.9206% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8200% | 808 |
| Loan loss allowance to noncurrent loans | 105.7971% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 2.4423% | 1,889 |
| Noncurrent loans to loans | 2.6655% | 1,927 |
| Net loans and leases to total assets | 25.4940% | 6,743 |
| Net loans and leases to deposits | 29.8643% | 6,749 |
| Net loans and leases to core deposits | 30.7877% | 6,750 |
| Total domestic deposits to total assets | 85.3663% | 3,864 |
| Equity capital to assets | 14.1573% | 977 |
| Core capital (leverage) ratio | 13.4412% | 961 |
| Tier 1 risk-based capital ratio | 31.1504% | 480 |
| Total risk-based capital ratio | 32.4086% | 472 |
| Memoranda: | ||
| Average total assets | $29,011,500 | 6,740 |
| Average earning assets | $25,799,500 | 6,725 |
| Average equity | $4,232,000 | 6,460 |
| Average total loans | $7,441,000 | 6,865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 5,908 |
| Cost of funding earning assets | 0.7922% | 2,728 |
| Net interest margin | 2.9758% | 6,094 |
| Noninterest income to average assets | 0.5626% | 3,496 |
| Noninterest expense to average assets | 2.8378% | 3,883 |
| Loan and lease loss provision to assets | 0.0641% | 4,961 |
| Net operating income to assets | 0.2048% | 5,774 |
| Return on assets (ROA) | 0.7584% | 3,716 |
| Pretax return on assets | 1.0753% | 3,254 |
| Return on Equity (ROE) | 5.0627% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.8726% | 2,790 |
| Net charge-offs to loans | 0.1342% | 4,340 |
| Credit loss provision to net charge-offs | 163.6364% | 1,645 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 2,295 |
| Efficiency ratio | 88.7528% | 1,169 |
| Assets per employee ($millions) | 5.6840% | 1,529 |
| Cash dividends to net income (ytd only)* | 3.7559% | 4,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0635% | 628 |
| Loan loss allowance to noncurrent loans | 95.6140% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.6179% | 1,858 |
| Noncurrent loans to loans | 3.2040% | 1,616 |
| Net loans and leases to total assets | 24.2716% | 6,854 |
| Net loans and leases to deposits | 28.8885% | 6,855 |
| Net loans and leases to core deposits | 29.8343% | 6,848 |
| Total domestic deposits to total assets | 84.0183% | 4,304 |
| Equity capital to assets | 15.0352% | 726 |
| Core capital (leverage) ratio | 14.0798% | 780 |
| Tier 1 risk-based capital ratio | 33.2272% | 391 |
| Total risk-based capital ratio | 34.4842% | 385 |
| Memoranda: | ||
| Average total assets | $28,085,400 | 6,803 |
| Average earning assets | $24,867,000 | 6,792 |
| Average equity | $4,207,200 | 6,520 |
| Average total loans | $8,194,200 | 6,909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 6,078 |
| Cost of funding earning assets | 0.8005% | 2,932 |
| Net interest margin | 2.9765% | 6,217 |
| Noninterest income to average assets | 0.6000% | 3,270 |
| Noninterest expense to average assets | 2.8902% | 3,641 |
| Loan and lease loss provision to assets | 0.0667% | 4,853 |
| Net operating income to assets | 0.1937% | 5,938 |
| Return on assets (ROA) | 0.6761% | 4,282 |
| Pretax return on assets | 0.9904% | 3,750 |
| Return on Equity (ROE) | 4.5178% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.2632% | 3,895 |
| Net charge-offs to loans | 0.1418% | 3,978 |
| Credit loss provision to net charge-offs | 155.5556% | 1,809 |
| Earnings coverage of net charge-offs (x) | 8.1108% | 2,503 |
| Efficiency ratio | 89.2647% | 1,092 |
| Assets per employee ($millions) | 5.5284% | 1,611 |
| Cash dividends to net income (ytd only)* | 5.6357% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6458% | 1,041 |
| Loan loss allowance to noncurrent loans | 229.7872% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2068% | 2,425 |
| Noncurrent loans to loans | 1.1514% | 4,136 |
| Net loans and leases to total assets | 28.7533% | 6,855 |
| Net loans and leases to deposits | 34.4980% | 6,850 |
| Net loans and leases to core deposits | 35.6684% | 6,862 |
| Total domestic deposits to total assets | 83.3478% | 4,501 |
| Equity capital to assets | 15.5343% | 697 |
| Core capital (leverage) ratio | 14.2952% | 753 |
| Tier 1 risk-based capital ratio | 30.8778% | 490 |
| Total risk-based capital ratio | 32.0831% | 479 |
| Memoranda: | ||
| Average total assets | $28,001,750 | 6,892 |
| Average earning assets | $24,816,000 | 6,880 |
| Average equity | $4,190,750 | 6,601 |
| Average total loans | $8,463,750 | 6,995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 5,659 |
| Cost of funding earning assets | 0.8196% | 3,034 |
| Net interest margin | 3.1738% | 5,810 |
| Noninterest income to average assets | 0.5974% | 3,274 |
| Noninterest expense to average assets | 2.9088% | 3,583 |
| Loan and lease loss provision to assets | 0.0640% | 4,843 |
| Net operating income to assets | 0.3144% | 5,567 |
| Return on assets (ROA) | 1.0668% | 2,405 |
| Pretax return on assets | 1.4935% | 1,868 |
| Return on Equity (ROE) | 7.2179% | 3,663 |
| Retained earnings to average equity (ytd only) | 7.2179% | 1,996 |
| Net charge-offs to loans | -0.2803% | 7,060 |
| Credit loss provision to net charge-offs | -75.0000% | 6,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3862% | 1,488 |
| Assets per employee ($millions) | 5.4954% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 1,135 |
| Loan loss allowance to noncurrent loans | 35.6923% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 2.3656% | 2,356 |
| Noncurrent loans to loans | 7.3215% | 512 |
| Net loans and leases to total assets | 31.4663% | 6,834 |
| Net loans and leases to deposits | 37.6077% | 6,818 |
| Net loans and leases to core deposits | 38.8846% | 6,835 |
| Total domestic deposits to total assets | 83.6700% | 4,460 |
| Equity capital to assets | 15.4311% | 692 |
| Core capital (leverage) ratio | 13.8583% | 846 |
| Tier 1 risk-based capital ratio | 30.6612% | 492 |
| Total risk-based capital ratio | 31.9162% | 485 |
| Memoranda: | ||
| Average total assets | $28,121,670 | 6,945 |
| Average earning assets | $24,891,670 | 6,933 |
| Average equity | $4,156,330 | 6,641 |
| Average total loans | $8,563,670 | 7,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 6,016 |
| Cost of funding earning assets | 0.8614% | 2,983 |
| Net interest margin | 3.0391% | 6,212 |
| Noninterest income to average assets | 0.6188% | 3,113 |
| Noninterest expense to average assets | 2.8969% | 3,634 |
| Loan and lease loss provision to assets | 0.0703% | 4,523 |
| Net operating income to assets | 0.1998% | 5,987 |
| Return on assets (ROA) | 1.6875% | 823 |
| Pretax return on assets | 2.3766% | 407 |
| Return on Equity (ROE) | 11.6661% | 1,783 |
| Retained earnings to average equity (ytd only) | 11.6661% | 886 |
| Net charge-offs to loans | -0.3331% | 7,089 |
| Credit loss provision to net charge-offs | -71.4286% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1775% | 1,160 |
| Assets per employee ($millions) | 5.8608% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6018% | 1,222 |
| Loan loss allowance to noncurrent loans | 38.3162% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 1.9861% | 2,917 |
| Noncurrent loans to loans | 6.7903% | 682 |
| Net loans and leases to total assets | 28.4876% | 6,962 |
| Net loans and leases to deposits | 33.4094% | 6,970 |
| Net loans and leases to core deposits | 34.4489% | 6,982 |
| Total domestic deposits to total assets | 85.2682% | 3,896 |
| Equity capital to assets | 14.0356% | 1,016 |
| Core capital (leverage) ratio | 13.3395% | 1,007 |
| Tier 1 risk-based capital ratio | 30.0070% | 522 |
| Total risk-based capital ratio | 31.2602% | 513 |
| Memoranda: | ||
| Average total assets | $28,444,000 | 6,993 |
| Average earning assets | $24,612,500 | 7,001 |
| Average equity | $4,114,500 | 6,689 |
| Average total loans | $8,406,500 | 7,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 4,870 |
| Cost of funding earning assets | 1.0299% | 3,160 |
| Net interest margin | 3.5211% | 5,064 |
| Noninterest income to average assets | 0.5863% | 3,245 |
| Noninterest expense to average assets | 3.2052% | 2,844 |
| Loan and lease loss provision to assets | 0.0469% | 5,987 |
| Net operating income to assets | 0.3783% | 4,956 |
| Return on assets (ROA) | 0.8130% | 3,155 |
| Pretax return on assets | 0.9850% | 3,293 |
| Return on Equity (ROE) | 5.2996% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.0958% | 2,564 |
| Net charge-offs to loans | 0.1516% | 4,927 |
| Credit loss provision to net charge-offs | 92.3077% | 3,904 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,898 |
| Efficiency ratio | 86.3158% | 1,519 |
| Assets per employee ($millions) | 5.5168% | 1,623 |
| Cash dividends to net income (ytd only)* | 3.8462% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5601% | 1,236 |
| Loan loss allowance to noncurrent loans | 37.2792% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 2.0519% | 2,898 |
| Noncurrent loans to loans | 6.8673% | 651 |
| Net loans and leases to total assets | 29.1147% | 7,035 |
| Net loans and leases to deposits | 34.6149% | 7,033 |
| Net loans and leases to core deposits | 35.7744% | 7,039 |
| Total domestic deposits to total assets | 84.1104% | 4,275 |
| Equity capital to assets | 14.9217% | 802 |
| Core capital (leverage) ratio | 14.3990% | 736 |
| Tier 1 risk-based capital ratio | 30.6507% | 483 |
| Total risk-based capital ratio | 31.9064% | 472 |
| Memoranda: | ||
| Average total assets | $25,583,200 | 7,086 |
| Average earning assets | $22,720,000 | 7,087 |
| Average equity | $3,924,800 | 6,773 |
| Average total loans | $8,576,400 | 7,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 4,894 |
| Cost of funding earning assets | 1.0664% | 3,202 |
| Net interest margin | 3.5267% | 5,068 |
| Noninterest income to average assets | 0.5741% | 3,343 |
| Noninterest expense to average assets | 3.1734% | 2,912 |
| Loan and lease loss provision to assets | 0.0478% | 5,845 |
| Net operating income to assets | 0.4046% | 4,974 |
| Return on assets (ROA) | 0.9887% | 2,515 |
| Pretax return on assets | 1.2119% | 2,591 |
| Return on Equity (ROE) | 6.3964% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.1215% | 2,479 |
| Net charge-offs to loans | 0.2156% | 4,091 |
| Credit loss provision to net charge-offs | 64.2857% | 4,661 |
| Earnings coverage of net charge-offs (x) | 7.3557% | 2,372 |
| Efficiency ratio | 85.2857% | 1,601 |
| Assets per employee ($millions) | 5.1528% | 1,986 |
| Cash dividends to net income (ytd only)* | 4.3026% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 2,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 37.6067% | 6,797 |
| Net loans and leases to deposits | 45.4563% | 6,763 |
| Net loans and leases to core deposits | 47.1163% | 6,799 |
| Total domestic deposits to total assets | 82.7317% | 4,782 |
| Equity capital to assets | 16.0767% | 616 |
| Core capital (leverage) ratio | 14.2841% | 823 |
| Tier 1 risk-based capital ratio | 28.4151% | 629 |
| Total risk-based capital ratio | 29.6693% | 619 |
| Memoranda: | ||
| Average total assets | $25,083,000 | 7,171 |
| Average earning assets | $22,381,000 | 7,166 |
| Average equity | $3,877,000 | 6,840 |
| Average total loans | $8,660,000 | 7,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 5,445 |
| Cost of funding earning assets | 1.1110% | 3,163 |
| Net interest margin | 3.3601% | 5,684 |
| Noninterest income to average assets | 0.5552% | 3,433 |
| Noninterest expense to average assets | 3.1461% | 3,092 |
| Loan and lease loss provision to assets | 0.0483% | 5,711 |
| Net operating income to assets | 0.3079% | 5,344 |
| Return on assets (ROA) | 0.7161% | 3,575 |
| Pretax return on assets | 0.8288% | 3,915 |
| Return on Equity (ROE) | 4.6982% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.6982% | 3,197 |
| Net charge-offs to loans | 0.1212% | 4,502 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,859 |
| Efficiency ratio | 88.6621% | 1,351 |
| Assets per employee ($millions) | 5.2854% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2689% | 1,794 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 7,014 |
| Noncurrent loans to loans | 0.0959% | 6,734 |
| Net loans and leases to total assets | 34.7183% | 7,026 |
| Net loans and leases to deposits | 41.1767% | 7,028 |
| Net loans and leases to core deposits | 42.6090% | 7,052 |
| Total domestic deposits to total assets | 84.3153% | 4,210 |
| Equity capital to assets | 14.8598% | 850 |
| Core capital (leverage) ratio | 14.3070% | 802 |
| Tier 1 risk-based capital ratio | 28.2747% | 642 |
| Total risk-based capital ratio | 29.5303% | 625 |
| Memoranda: | ||
| Average total assets | $24,856,000 | 7,243 |
| Average earning assets | $22,142,330 | 7,241 |
| Average equity | $3,788,670 | 6,906 |
| Average total loans | $8,248,000 | 7,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 6,022 |
| Cost of funding earning assets | 1.1776% | 2,967 |
| Net interest margin | 3.1215% | 6,288 |
| Noninterest income to average assets | 0.5318% | 3,634 |
| Noninterest expense to average assets | 3.1574% | 3,040 |
| Loan and lease loss provision to assets | 0.0499% | 5,377 |
| Net operating income to assets | 0.0871% | 6,131 |
| Return on assets (ROA) | 0.3157% | 5,407 |
| Pretax return on assets | 0.3656% | 5,451 |
| Return on Equity (ROE) | 2.0433% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.0433% | 4,910 |
| Net charge-offs to loans | 0.2605% | 3,026 |
| Credit loss provision to net charge-offs | 60.0000% | 3,543 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 3,402 |
| Efficiency ratio | 95.4774% | 953 |
| Assets per employee ($millions) | 5.1376% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5685% | 1,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 31.0106% | 7,207 |
| Net loans and leases to deposits | 36.5162% | 7,212 |
| Net loans and leases to core deposits | 37.8109% | 7,224 |
| Total domestic deposits to total assets | 84.9229% | 4,069 |
| Equity capital to assets | 14.5438% | 869 |
| Core capital (leverage) ratio | 14.6856% | 712 |
| Tier 1 risk-based capital ratio | 30.3323% | 506 |
| Total risk-based capital ratio | 31.5870% | 499 |
| Memoranda: | ||
| Average total assets | $24,070,500 | 7,314 |
| Average earning assets | $21,400,000 | 7,314 |
| Average equity | $3,719,500 | 6,952 |
| Average total loans | $7,678,000 | 7,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 5,031 |
| Cost of funding earning assets | 1.3360% | 3,659 |
| Net interest margin | 3.5643% | 4,982 |
| Noninterest income to average assets | 0.7315% | 2,638 |
| Noninterest expense to average assets | 3.3793% | 2,492 |
| Loan and lease loss provision to assets | 0.0539% | 6,607 |
| Net operating income to assets | 0.4206% | 4,462 |
| Return on assets (ROA) | 0.6642% | 3,515 |
| Pretax return on assets | 0.7450% | 3,815 |
| Return on Equity (ROE) | 3.9860% | 4,534 |
| Retained earnings to average equity (ytd only) | 3.7705% | 3,226 |
| Net charge-offs to loans | 0.2129% | 5,011 |
| Credit loss provision to net charge-offs | 70.5882% | 5,848 |
| Earnings coverage of net charge-offs (x) | 6.8824% | 2,250 |
| Efficiency ratio | 86.5517% | 1,622 |
| Assets per employee ($millions) | 4.4906% | 2,890 |
| Cash dividends to net income (ytd only)* | 5.4054% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9526% | 905 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 7,098 |
| Noncurrent loans to loans | 0.1671% | 6,736 |
| Net loans and leases to total assets | 31.0337% | 7,318 |
| Net loans and leases to deposits | 37.4463% | 7,316 |
| Net loans and leases to core deposits | 38.3068% | 7,344 |
| Total domestic deposits to total assets | 82.8753% | 4,850 |
| Equity capital to assets | 16.4922% | 515 |
| Core capital (leverage) ratio | 16.3994% | 461 |
| Tier 1 risk-based capital ratio | 34.6712% | 354 |
| Total risk-based capital ratio | 35.9279% | 350 |
| Memoranda: | ||
| Average total assets | $22,282,400 | 7,414 |
| Average earning assets | $19,835,400 | 7,404 |
| Average equity | $3,713,000 | 7,081 |
| Average total loans | $7,986,600 | 7,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 5,072 |
| Cost of funding earning assets | 1.3612% | 3,825 |
| Net interest margin | 3.5808% | 4,968 |
| Noninterest income to average assets | 0.7254% | 2,673 |
| Noninterest expense to average assets | 3.3932% | 2,314 |
| Loan and lease loss provision to assets | 0.0540% | 6,531 |
| Net operating income to assets | 0.4062% | 4,724 |
| Return on assets (ROA) | 0.7134% | 3,505 |
| Pretax return on assets | 0.8453% | 3,754 |
| Return on Equity (ROE) | 4.2702% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.9833% | 3,675 |
| Net charge-offs to loans | -0.1628% | 7,603 |
| Credit loss provision to net charge-offs | -90.0000% | 6,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4122% | 1,588 |
| Assets per employee ($millions) | 4.4510% | 2,983 |
| Cash dividends to net income (ytd only)* | 6.7251% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7455% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 37.5646% | 7,203 |
| Net loans and leases to deposits | 46.1012% | 7,171 |
| Net loans and leases to core deposits | 48.0598% | 7,201 |
| Total domestic deposits to total assets | 81.4828% | 5,206 |
| Equity capital to assets | 17.6814% | 444 |
| Core capital (leverage) ratio | 16.1042% | 542 |
| Tier 1 risk-based capital ratio | 31.4090% | 454 |
| Total risk-based capital ratio | 32.6721% | 446 |
| Memoranda: | ||
| Average total assets | $22,239,750 | 7,508 |
| Average earning assets | $19,883,250 | 7,497 |
| Average equity | $3,715,500 | 7,168 |
| Average total loans | $8,188,250 | 7,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 5,546 |
| Cost of funding earning assets | 1.3722% | 4,044 |
| Net interest margin | 3.4957% | 5,266 |
| Noninterest income to average assets | 0.7466% | 2,418 |
| Noninterest expense to average assets | 3.4091% | 2,237 |
| Loan and lease loss provision to assets | 0.0540% | 6,417 |
| Net operating income to assets | 0.3717% | 4,885 |
| Return on assets (ROA) | 0.8545% | 2,863 |
| Pretax return on assets | 0.9715% | 3,231 |
| Return on Equity (ROE) | 5.2164% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.2164% | 2,764 |
| Net charge-offs to loans | -0.1987% | 7,644 |
| Credit loss provision to net charge-offs | -75.0000% | 6,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7315% | 1,538 |
| Assets per employee ($millions) | 4.4868% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 1,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.5337% | 7,193 |
| Net loans and leases to deposits | 47.9354% | 7,164 |
| Net loans and leases to core deposits | 49.9240% | 7,212 |
| Total domestic deposits to total assets | 82.4730% | 4,791 |
| Equity capital to assets | 16.9698% | 529 |
| Core capital (leverage) ratio | 15.8060% | 591 |
| Tier 1 risk-based capital ratio | 30.1037% | 503 |
| Total risk-based capital ratio | 31.3630% | 492 |
| Memoranda: | ||
| Average total assets | $22,234,670 | 7,575 |
| Average earning assets | $19,967,670 | 7,556 |
| Average equity | $3,642,330 | 7,227 |
| Average total loans | $8,052,330 | 7,626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 6,551 |
| Cost of funding earning assets | 1.4213% | 4,040 |
| Net interest margin | 3.1829% | 6,346 |
| Noninterest income to average assets | 0.8493% | 1,817 |
| Noninterest expense to average assets | 3.3793% | 2,295 |
| Loan and lease loss provision to assets | 0.0542% | 6,121 |
| Net operating income to assets | 0.2487% | 5,498 |
| Return on assets (ROA) | 0.7770% | 3,181 |
| Pretax return on assets | 0.9035% | 3,459 |
| Return on Equity (ROE) | 4.8315% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.8315% | 3,250 |
| Net charge-offs to loans | -0.1594% | 7,627 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7767% | 1,373 |
| Assets per employee ($millions) | 4.6702% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7760% | 1,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 33.4461% | 7,515 |
| Net loans and leases to deposits | 39.7800% | 7,525 |
| Net loans and leases to core deposits | 41.3293% | 7,540 |
| Total domestic deposits to total assets | 84.0778% | 4,110 |
| Equity capital to assets | 15.4597% | 775 |
| Core capital (leverage) ratio | 15.6322% | 640 |
| Tier 1 risk-based capital ratio | 31.4532% | 456 |
| Total risk-based capital ratio | 32.7157% | 448 |
| Memoranda: | ||
| Average total assets | $22,135,000 | 7,675 |
| Average earning assets | $19,981,500 | 7,648 |
| Average equity | $3,560,000 | 7,326 |
| Average total loans | $7,528,500 | 7,737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 4,991 |
| Cost of funding earning assets | 1.7232% | 4,391 |
| Net interest margin | 3.6143% | 4,503 |
| Noninterest income to average assets | 0.9319% | 1,829 |
| Noninterest expense to average assets | 3.8728% | 1,552 |
| Loan and lease loss provision to assets | 0.0601% | 6,958 |
| Net operating income to assets | 0.2124% | 4,863 |
| Return on assets (ROA) | 0.5461% | 3,635 |
| Pretax return on assets | 0.6062% | 3,885 |
| Return on Equity (ROE) | 3.1423% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.9117% | 3,132 |
| Net charge-offs to loans | -0.9276% | 7,957 |
| Credit loss provision to net charge-offs | -18.7500% | 7,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9087% | 1,491 |
| Assets per employee ($millions) | 4.1838% | 3,471 |
| Cash dividends to net income (ytd only)* | 7.3394% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0894% | 723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 32.5398% | 7,645 |
| Net loans and leases to deposits | 39.3014% | 7,643 |
| Net loans and leases to core deposits | 54.9927% | 7,441 |
| Total domestic deposits to total assets | 82.7955% | 4,619 |
| Equity capital to assets | 16.7790% | 580 |
| Core capital (leverage) ratio | 16.9442% | 495 |
| Tier 1 risk-based capital ratio | 35.0631% | 342 |
| Total risk-based capital ratio | 36.3245% | 338 |
| Memoranda: | ||
| Average total assets | $19,959,800 | 7,776 |
| Average earning assets | $17,873,400 | 7,764 |
| Average equity | $3,468,800 | 7,452 |
| Average total loans | $6,899,800 | 7,830 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 4,316 |
| Cost of funding earning assets | 1.7649% | 4,556 |
| Net interest margin | 3.7562% | 3,832 |
| Noninterest income to average assets | 0.6491% | 3,350 |
| Noninterest expense to average assets | 3.9080% | 1,415 |
| Loan and lease loss provision to assets | 0.0609% | 6,756 |
| Net operating income to assets | 0.0421% | 5,622 |
| Return on assets (ROA) | 0.3313% | 4,778 |
| Pretax return on assets | 0.3651% | 4,895 |
| Return on Equity (ROE) | 1.8890% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.5807% | 4,428 |
| Net charge-offs to loans | -0.1358% | 7,941 |
| Credit loss provision to net charge-offs | -128.5714% | 7,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3064% | 1,196 |
| Assets per employee ($millions) | 4.0128% | 3,709 |
| Cash dividends to net income (ytd only)* | 16.3325% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 37.3156% | 7,574 |
| Net loans and leases to deposits | 45.9382% | 7,569 |
| Net loans and leases to core deposits | 65.4801% | 7,185 |
| Total domestic deposits to total assets | 81.2301% | 4,984 |
| Equity capital to assets | 18.0373% | 513 |
| Core capital (leverage) ratio | 17.4093% | 508 |
| Tier 1 risk-based capital ratio | 33.2278% | 432 |
| Total risk-based capital ratio | 34.4838% | 419 |
| Memoranda: | ||
| Average total assets | $19,720,000 | 7,859 |
| Average earning assets | $17,677,000 | 7,852 |
| Average equity | $3,458,500 | 7,521 |
| Average total loans | $6,868,750 | 7,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 4,212 |
| Cost of funding earning assets | 1.7886% | 4,814 |
| Net interest margin | 3.7822% | 3,628 |
| Noninterest income to average assets | 0.6427% | 3,393 |
| Noninterest expense to average assets | 3.9377% | 1,418 |
| Loan and lease loss provision to assets | 0.0612% | 6,604 |
| Net operating income to assets | 0.0275% | 5,765 |
| Return on assets (ROA) | 0.4591% | 4,373 |
| Pretax return on assets | 0.5101% | 4,588 |
| Return on Equity (ROE) | 2.6432% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.6432% | 3,859 |
| Net charge-offs to loans | -0.3026% | 8,068 |
| Credit loss provision to net charge-offs | -60.0000% | 6,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7215% | 1,278 |
| Assets per employee ($millions) | 3.9852% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1593% | 1,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.7021% | 7,714 |
| Net loans and leases to deposits | 43.0447% | 7,729 |
| Net loans and leases to core deposits | 60.9023% | 7,417 |
| Total domestic deposits to total assets | 82.9419% | 4,268 |
| Equity capital to assets | 16.7169% | 708 |
| Core capital (leverage) ratio | 16.9309% | 621 |
| Tier 1 risk-based capital ratio | 35.3584% | 406 |
| Total risk-based capital ratio | 36.6092% | 404 |
| Memoranda: | ||
| Average total assets | $19,605,330 | 7,941 |
| Average earning assets | $17,556,000 | 7,932 |
| Average equity | $3,405,000 | 7,606 |
| Average total loans | $6,610,330 | 8,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 5,108 |
| Cost of funding earning assets | 1.7606% | 5,307 |
| Net interest margin | 3.7018% | 3,884 |
| Noninterest income to average assets | 0.6171% | 3,426 |
| Noninterest expense to average assets | 3.8056% | 1,461 |
| Loan and lease loss provision to assets | 0.0617% | 6,182 |
| Net operating income to assets | 0.1234% | 5,907 |
| Return on assets (ROA) | 0.1234% | 6,075 |
| Pretax return on assets | 0.1234% | 6,112 |
| Return on Equity (ROE) | 0.6973% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.6973% | 5,380 |
| Net charge-offs to loans | -0.9554% | 8,156 |
| Credit loss provision to net charge-offs | -20.0000% | 6,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3608% | 1,355 |
| Assets per employee ($millions) | 3.9742% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 908 |
| Loan loss allowance to noncurrent loans | 1,223.0769% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 7,399 |
| Noncurrent loans to loans | 0.1913% | 6,987 |
| Net loans and leases to total assets | 33.3904% | 7,823 |
| Net loans and leases to deposits | 40.8107% | 7,819 |
| Net loans and leases to core deposits | 57.1786% | 7,560 |
| Total domestic deposits to total assets | 81.8177% | 4,628 |
| Equity capital to assets | 17.5331% | 664 |
| Core capital (leverage) ratio | 17.0600% | 644 |
| Tier 1 risk-based capital ratio | 36.6917% | 384 |
| Total risk-based capital ratio | 37.9497% | 383 |
| Memoranda: | ||
| Average total assets | $19,445,000 | 7,997 |
| Average earning assets | $17,721,000 | 7,972 |
| Average equity | $3,442,000 | 7,643 |
| Average total loans | $6,280,000 | 8,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1109% | 4,987 |
| Cost of funding earning assets | 2.5524% | 3,946 |
| Net interest margin | 3.5585% | 5,061 |
| Noninterest income to average assets | 0.7754% | 2,642 |
| Noninterest expense to average assets | 3.5258% | 2,326 |
| Loan and lease loss provision to assets | 0.0585% | 6,679 |
| Net operating income to assets | 0.4291% | 5,033 |
| Return on assets (ROA) | 0.5413% | 4,415 |
| Pretax return on assets | 0.5901% | 4,721 |
| Return on Equity (ROE) | 3.4234% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.1767% | 3,170 |
| Net charge-offs to loans | 0.2437% | 3,827 |
| Credit loss provision to net charge-offs | 75.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 3,282 |
| Efficiency ratio | 87.0036% | 1,764 |
| Assets per employee ($millions) | 3.8038% | 3,952 |
| Cash dividends to net income (ytd only)* | 7.2072% | 4,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4454% | 725 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 5,000 |
| Noncurrent loans to loans | 2.4454% | 2,239 |
| Net loans and leases to total assets | 29.5757% | 7,996 |
| Net loans and leases to deposits | 36.3114% | 8,017 |
| Net loans and leases to core deposits | 49.5420% | 7,898 |
| Total domestic deposits to total assets | 81.4501% | 4,435 |
| Equity capital to assets | 17.8769% | 662 |
| Core capital (leverage) ratio | 18.0297% | 604 |
| Tier 1 risk-based capital ratio | 40.9377% | 319 |
| Total risk-based capital ratio | 42.1962% | 308 |
| Memoranda: | ||
| Average total assets | $20,506,200 | 8,001 |
| Average earning assets | $18,884,400 | 7,974 |
| Average equity | $3,242,400 | 7,766 |
| Average total loans | $6,565,400 | 8,101 |