Home > State Bank of Nauvoo > Performance and Condition Ratios
State Bank of Nauvoo, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 3,400 |
| Cost of funding earning assets | 0.5867% | 4,089 |
| Net interest margin | 3.7400% | 1,671 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.4019% | 654 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 0.2799% | 4,059 |
| Return on assets (ROA) | 0.2799% | 4,058 |
| Pretax return on assets | 0.3641% | 4,014 |
| Return on Equity (ROE) | 3.2500% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.2546% | 3,206 |
| Net charge-offs to loans | 0.7070% | 141 |
| Credit loss provision to net charge-offs | 100.6410% | 1,828 |
| Earnings coverage of net charge-offs (x) | 1.9295% | 2,733 |
| Efficiency ratio | 80.6182% | 878 |
| Assets per employee ($millions) | 4.6956% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 1,569 |
| Loan loss allowance to noncurrent loans | 53.0841% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.9965% | 148 |
| Noncurrent loans to loans | 2.5504% | 192 |
| Net loans and leases to total assets | 55.0900% | 3,272 |
| Net loans and leases to deposits | 60.3506% | 3,502 |
| Net loans and leases to core deposits | 60.8099% | 3,737 |
| Total domestic deposits to total assets | 91.2800% | 431 |
| Equity capital to assets | 8.5212% | 3,039 |
| Core capital (leverage) ratio | 8.0139% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4989% | 996 |
| Memoranda: | ||
| Average total assets | $36,803,400 | 4,419 |
| Average earning assets | $34,091,000 | 4,387 |
| Average equity | $3,164,800 | 4,415 |
| Average total loans | $22,063,600 | 4,266 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,611 |
| Cost of funding earning assets | 0.5231% | 4,100 |
| Net interest margin | 3.6026% | 2,004 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.9315% | 1,169 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.4516% | 3,865 |
| Return on assets (ROA) | 0.4516% | 3,863 |
| Pretax return on assets | 0.4588% | 3,978 |
| Return on Equity (ROE) | 5.2400% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,860 |
| Net charge-offs to loans | 0.3462% | 251 |
| Credit loss provision to net charge-offs | 112.0690% | 1,536 |
| Earnings coverage of net charge-offs (x) | 3.3448% | 2,439 |
| Efficiency ratio | 80.5806% | 830 |
| Assets per employee ($millions) | 4.3773% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,754 |
| Loan loss allowance to noncurrent loans | 28.6561% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 2.7515% | 84 |
| Noncurrent loans to loans | 4.6314% | 60 |
| Net loans and leases to total assets | 54.7300% | 3,308 |
| Net loans and leases to deposits | 59.7059% | 3,521 |
| Net loans and leases to core deposits | 60.1339% | 3,700 |
| Total domestic deposits to total assets | 91.6600% | 530 |
| Equity capital to assets | 8.1760% | 2,946 |
| Core capital (leverage) ratio | 8.0656% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9922% | 1,100 |
| Memoranda: | ||
| Average total assets | $36,613,000 | 4,436 |
| Average earning assets | $33,901,000 | 4,411 |
| Average equity | $3,155,750 | 4,431 |
| Average total loans | $22,335,250 | 4,282 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,550 |
| Cost of funding earning assets | 0.4603% | 4,057 |
| Net interest margin | 3.6099% | 2,018 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.9424% | 1,139 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.4203% | 3,970 |
| Return on assets (ROA) | 0.4203% | 3,973 |
| Pretax return on assets | 0.4259% | 4,077 |
| Return on Equity (ROE) | 4.7900% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.7862% | 2,998 |
| Net charge-offs to loans | 0.0178% | 1,555 |
| Credit loss provision to net charge-offs | 1,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 1,196 |
| Efficiency ratio | 81.2693% | 760 |
| Assets per employee ($millions) | 3.8783% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,432 |
| Loan loss allowance to noncurrent loans | 32.1792% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 3.0196% | 65 |
| Noncurrent loans to loans | 4.4274% | 69 |
| Net loans and leases to total assets | 62.6400% | 2,517 |
| Net loans and leases to deposits | 69.0587% | 2,856 |
| Net loans and leases to core deposits | 69.6217% | 3,149 |
| Total domestic deposits to total assets | 90.7000% | 728 |
| Equity capital to assets | 9.0933% | 2,446 |
| Core capital (leverage) ratio | 8.5250% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5586% | 1,202 |
| Memoranda: | ||
| Average total assets | $35,685,333 | 4,468 |
| Average earning assets | $33,020,333 | 4,443 |
| Average equity | $3,134,000 | 4,461 |
| Average total loans | $22,496,667 | 4,295 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 3,865 |
| Cost of funding earning assets | 0.3591% | 4,051 |
| Net interest margin | 3.4351% | 2,545 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.8828% | 1,270 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.2772% | 4,277 |
| Return on assets (ROA) | 0.2772% | 4,245 |
| Pretax return on assets | 0.2883% | 4,271 |
| Return on Equity (ROE) | 3.2100% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.2113% | 3,456 |
| Net charge-offs to loans | 0.0706% | 724 |
| Credit loss provision to net charge-offs | 325.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,615 |
| Efficiency ratio | 84.1424% | 585 |
| Assets per employee ($millions) | 4.4443% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 1,966 |
| Loan loss allowance to noncurrent loans | 28.2946% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 3.2823% | 41 |
| Noncurrent loans to loans | 4.6503% | 68 |
| Net loans and leases to total assets | 61.6000% | 2,502 |
| Net loans and leases to deposits | 67.6511% | 2,798 |
| Net loans and leases to core deposits | 68.1882% | 3,082 |
| Total domestic deposits to total assets | 91.0500% | 784 |
| Equity capital to assets | 8.7838% | 2,671 |
| Core capital (leverage) ratio | 8.3305% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9357% | 1,388 |
| Memoranda: | ||
| Average total assets | $36,075,500 | 4,531 |
| Average earning assets | $33,419,500 | 4,505 |
| Average equity | $3,114,000 | 4,527 |
| Average total loans | $22,655,000 | 4,356 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 3,085 |
| Cost of funding earning assets | 0.1743% | 3,961 |
| Net interest margin | 3.3213% | 2,509 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.9778% | 999 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.1633% | 4,473 |
| Return on assets (ROA) | 0.1633% | 4,456 |
| Pretax return on assets | 0.2150% | 4,433 |
| Return on Equity (ROE) | 1.9500% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.9470% | 3,987 |
| Net charge-offs to loans | 0.4268% | 178 |
| Credit loss provision to net charge-offs | 75.5319% | 1,699 |
| Earnings coverage of net charge-offs (x) | 1.5957% | 2,533 |
| Efficiency ratio | 87.9421% | 361 |
| Assets per employee ($millions) | 4.5746% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,422 |
| Loan loss allowance to noncurrent loans | 29.0526% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.9647% | 45 |
| Noncurrent loans to loans | 4.1094% | 87 |
| Net loans and leases to total assets | 62.4100% | 2,396 |
| Net loans and leases to deposits | 68.3585% | 2,708 |
| Net loans and leases to core deposits | 69.6169% | 2,904 |
| Total domestic deposits to total assets | 91.3100% | 837 |
| Equity capital to assets | 8.4843% | 2,714 |
| Core capital (leverage) ratio | 8.0486% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5701% | 1,460 |
| Memoranda: | ||
| Average total assets | $36,738,200 | 4,557 |
| Average earning assets | $33,842,000 | 4,529 |
| Average equity | $3,081,600 | 4,601 |
| Average total loans | $22,022,800 | 4,378 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 2,840 |
| Cost of funding earning assets | 0.1656% | 3,674 |
| Net interest margin | 3.2610% | 2,422 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.9513% | 970 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.1777% | 4,494 |
| Return on assets (ROA) | 0.1777% | 4,461 |
| Pretax return on assets | 0.1849% | 4,471 |
| Return on Equity (ROE) | 2.1200% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.1241% | 3,999 |
| Net charge-offs to loans | 0.2820% | 234 |
| Credit loss provision to net charge-offs | 91.3043% | 1,371 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 2,257 |
| Efficiency ratio | 89.7464% | 327 |
| Assets per employee ($millions) | 4.6166% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,066 |
| Loan loss allowance to noncurrent loans | 31.1181% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.9323% | 54 |
| Noncurrent loans to loans | 4.1537% | 87 |
| Net loans and leases to total assets | 61.0000% | 2,401 |
| Net loans and leases to deposits | 66.6331% | 2,663 |
| Net loans and leases to core deposits | 67.1335% | 2,869 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 8.3773% | 2,619 |
| Core capital (leverage) ratio | 7.8807% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5157% | 1,563 |
| Memoranda: | ||
| Average total assets | $36,773,500 | 4,594 |
| Average earning assets | $33,813,000 | 4,569 |
| Average equity | $3,075,750 | 4,647 |
| Average total loans | $21,749,000 | 4,412 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 2,743 |
| Cost of funding earning assets | 0.1602% | 3,442 |
| Net interest margin | 3.1388% | 2,405 |
| Noninterest income to average assets | 0.4303% | 2,567 |
| Noninterest expense to average assets | 2.9030% | 984 |
| Loan and lease loss provision to assets | 0.1035% | 965 |
| Net operating income to assets | 0.2996% | 4,289 |
| Return on assets (ROA) | 0.2996% | 4,239 |
| Pretax return on assets | 0.3050% | 4,289 |
| Return on Equity (ROE) | 3.5835% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.5835% | 3,241 |
| Net charge-offs to loans | 0.2618% | 255 |
| Credit loss provision to net charge-offs | 67.8571% | 1,438 |
| Earnings coverage of net charge-offs (x) | 2.6786% | 2,021 |
| Efficiency ratio | 87.6645% | 504 |
| Assets per employee ($millions) | 4.0416% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,090 |
| Loan loss allowance to noncurrent loans | 31.0493% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 3.4695% | 39 |
| Noncurrent loans to loans | 4.2567% | 85 |
| Net loans and leases to total assets | 59.5260% | 2,376 |
| Net loans and leases to deposits | 65.1305% | 2,626 |
| Net loans and leases to core deposits | 65.6260% | 2,851 |
| Total domestic deposits to total assets | 91.3950% | 1,068 |
| Equity capital to assets | 8.5226% | 2,745 |
| Core capital (leverage) ratio | 8.0103% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7411% | 1,500 |
| Memoranda: | ||
| Average total assets | $36,720,333 | 4,634 |
| Average earning assets | $33,707,333 | 4,626 |
| Average equity | $3,069,667 | 4,682 |
| Average total loans | $21,391,000 | 4,472 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1834% | 2,736 |
| Cost of funding earning assets | 0.1769% | 3,125 |
| Net interest margin | 3.0065% | 2,481 |
| Noninterest income to average assets | 0.3795% | 2,815 |
| Noninterest expense to average assets | 2.6780% | 1,409 |
| Loan and lease loss provision to assets | 0.2494% | 261 |
| Net operating income to assets | 0.2060% | 4,322 |
| Return on assets (ROA) | 0.2060% | 4,288 |
| Pretax return on assets | 0.2168% | 4,306 |
| Return on Equity (ROE) | 2.4881% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.4881% | 3,411 |
| Net charge-offs to loans | 0.1137% | 479 |
| Credit loss provision to net charge-offs | 383.3333% | 592 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 1,547 |
| Efficiency ratio | 85.1724% | 781 |
| Assets per employee ($millions) | 4.1427% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,538 |
| Loan loss allowance to noncurrent loans | 33.9420% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 58 |
| Noncurrent loans to loans | 4.4304% | 79 |
| Net loans and leases to total assets | 55.5144% | 2,574 |
| Net loans and leases to deposits | 60.5453% | 2,853 |
| Net loans and leases to core deposits | 60.5453% | 3,099 |
| Total domestic deposits to total assets | 91.6908% | 702 |
| Equity capital to assets | 8.2180% | 3,387 |
| Core capital (leverage) ratio | 7.7960% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2924% | 1,425 |
| Memoranda: | ||
| Average total assets | $36,893,500 | 4,656 |
| Average earning assets | $33,926,500 | 4,652 |
| Average equity | $3,054,500 | 4,712 |
| Average total loans | $21,115,500 | 4,496 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 2,933 |
| Cost of funding earning assets | 0.2201% | 3,255 |
| Net interest margin | 3.1790% | 2,659 |
| Noninterest income to average assets | 0.3843% | 3,137 |
| Noninterest expense to average assets | 2.9423% | 1,073 |
| Loan and lease loss provision to assets | 0.3068% | 262 |
| Net operating income to assets | 0.0315% | 4,668 |
| Return on assets (ROA) | 0.0315% | 4,674 |
| Pretax return on assets | 0.0344% | 4,673 |
| Return on Equity (ROE) | 0.3611% | 4,669 |
| Retained earnings to average equity (ytd only) | 0.3611% | 4,401 |
| Net charge-offs to loans | 0.1370% | 682 |
| Credit loss provision to net charge-offs | 382.1429% | 934 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,502 |
| Efficiency ratio | 89.6070% | 343 |
| Assets per employee ($millions) | 4.5629% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,891 |
| Loan loss allowance to noncurrent loans | 29.5455% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 3.4737% | 58 |
| Noncurrent loans to loans | 4.7698% | 80 |
| Net loans and leases to total assets | 57.3049% | 2,443 |
| Net loans and leases to deposits | 62.5613% | 2,830 |
| Net loans and leases to core deposits | 62.5613% | 3,111 |
| Total domestic deposits to total assets | 91.5980% | 285 |
| Equity capital to assets | 8.3418% | 4,149 |
| Core capital (leverage) ratio | 7.7592% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8111% | 1,310 |
| Memoranda: | ||
| Average total assets | $34,871,000 | 4,713 |
| Average earning assets | $31,802,200 | 4,702 |
| Average equity | $3,046,200 | 4,763 |
| Average total loans | $20,443,000 | 4,560 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 2,913 |
| Cost of funding earning assets | 0.2257% | 3,367 |
| Net interest margin | 3.2495% | 2,583 |
| Noninterest income to average assets | 0.3753% | 3,231 |
| Noninterest expense to average assets | 2.9635% | 1,028 |
| Loan and lease loss provision to assets | 0.2350% | 407 |
| Net operating income to assets | 0.1277% | 4,676 |
| Return on assets (ROA) | 0.1277% | 4,697 |
| Pretax return on assets | 0.1277% | 4,706 |
| Return on Equity (ROE) | 1.4442% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.4442% | 4,320 |
| Net charge-offs to loans | 0.1580% | 531 |
| Credit loss provision to net charge-offs | 254.1667% | 1,086 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 2,287 |
| Efficiency ratio | 89.0698% | 351 |
| Assets per employee ($millions) | 4.6180% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,685 |
| Loan loss allowance to noncurrent loans | 29.0541% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 3.0966% | 75 |
| Noncurrent loans to loans | 4.3357% | 106 |
| Net loans and leases to total assets | 54.7396% | 2,875 |
| Net loans and leases to deposits | 59.7483% | 3,256 |
| Net loans and leases to core deposits | 59.7483% | 3,484 |
| Total domestic deposits to total assets | 91.6170% | 209 |
| Equity capital to assets | 8.3018% | 4,345 |
| Core capital (leverage) ratio | 7.8714% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9878% | 1,351 |
| Memoranda: | ||
| Average total assets | $34,463,000 | 4,784 |
| Average earning assets | $31,306,250 | 4,775 |
| Average equity | $3,046,500 | 4,836 |
| Average total loans | $20,249,500 | 4,631 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 2,800 |
| Cost of funding earning assets | 0.2425% | 3,349 |
| Net interest margin | 3.2966% | 2,447 |
| Noninterest income to average assets | 0.3984% | 3,113 |
| Noninterest expense to average assets | 3.1217% | 813 |
| Loan and lease loss provision to assets | 0.2319% | 442 |
| Net operating income to assets | 0.0357% | 4,759 |
| Return on assets (ROA) | 0.0357% | 4,768 |
| Pretax return on assets | 0.0357% | 4,768 |
| Return on Equity (ROE) | 0.3948% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.3948% | 4,451 |
| Net charge-offs to loans | -0.2181% | 4,805 |
| Credit loss provision to net charge-offs | -177.2727% | 3,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1053% | 290 |
| Assets per employee ($millions) | 4.3178% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 2,101 |
| Loan loss allowance to noncurrent loans | 31.0155% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3640% | 81 |
| Noncurrent loans to loans | 4.4236% | 110 |
| Net loans and leases to total assets | 58.4795% | 2,605 |
| Net loans and leases to deposits | 64.2024% | 2,979 |
| Net loans and leases to core deposits | 64.2024% | 3,270 |
| Total domestic deposits to total assets | 91.0862% | 348 |
| Equity capital to assets | 8.8009% | 3,973 |
| Core capital (leverage) ratio | 8.3027% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6443% | 1,435 |
| Memoranda: | ||
| Average total assets | $33,636,000 | 4,821 |
| Average earning assets | $30,516,000 | 4,812 |
| Average equity | $3,039,667 | 4,868 |
| Average total loans | $20,172,333 | 4,664 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 2,652 |
| Cost of funding earning assets | 0.2653% | 3,326 |
| Net interest margin | 3.3295% | 2,302 |
| Noninterest income to average assets | 0.3496% | 3,348 |
| Noninterest expense to average assets | 3.0618% | 889 |
| Loan and lease loss provision to assets | 0.1808% | 683 |
| Net operating income to assets | 0.1326% | 4,683 |
| Return on assets (ROA) | 0.1326% | 4,704 |
| Pretax return on assets | 0.1326% | 4,711 |
| Return on Equity (ROE) | 1.4476% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.4476% | 4,132 |
| Net charge-offs to loans | -0.4196% | 4,878 |
| Credit loss provision to net charge-offs | -71.4286% | 2,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7143% | 351 |
| Assets per employee ($millions) | 4.2278% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,443 |
| Loan loss allowance to noncurrent loans | 37.9259% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.8118% | 122 |
| Noncurrent loans to loans | 3.4243% | 203 |
| Net loans and leases to total assets | 57.5247% | 2,854 |
| Net loans and leases to deposits | 63.3148% | 3,186 |
| Net loans and leases to core deposits | 63.3148% | 3,472 |
| Total domestic deposits to total assets | 90.8551% | 451 |
| Equity capital to assets | 9.0030% | 3,682 |
| Core capital (leverage) ratio | 8.6239% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2623% | 1,228 |
| Memoranda: | ||
| Average total assets | $33,183,000 | 4,844 |
| Average earning assets | $30,154,500 | 4,836 |
| Average equity | $3,039,500 | 4,892 |
| Average total loans | $20,018,000 | 4,693 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 2,409 |
| Cost of funding earning assets | 0.3685% | 3,775 |
| Net interest margin | 3.7369% | 1,683 |
| Noninterest income to average assets | 0.4981% | 2,643 |
| Noninterest expense to average assets | 3.0075% | 1,416 |
| Loan and lease loss provision to assets | 0.7410% | 194 |
| Net operating income to assets | 0.0996% | 4,669 |
| Return on assets (ROA) | 0.0996% | 4,707 |
| Pretax return on assets | 0.1276% | 4,691 |
| Return on Equity (ROE) | 1.0631% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.0631% | 4,204 |
| Net charge-offs to loans | 1.6650% | 62 |
| Credit loss provision to net charge-offs | 69.1860% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.8110% | 3,301 |
| Efficiency ratio | 77.5904% | 1,068 |
| Assets per employee ($millions) | 4.0680% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,545 |
| Loan loss allowance to noncurrent loans | 29.7700% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.1189% | 110 |
| Noncurrent loans to loans | 3.6361% | 180 |
| Net loans and leases to total assets | 61.7748% | 2,636 |
| Net loans and leases to deposits | 68.2324% | 3,054 |
| Net loans and leases to core deposits | 68.2324% | 3,396 |
| Total domestic deposits to total assets | 90.5359% | 361 |
| Equity capital to assets | 9.3228% | 3,768 |
| Core capital (leverage) ratio | 8.6384% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9385% | 1,277 |
| Memoranda: | ||
| Average total assets | $32,120,000 | 4,855 |
| Average earning assets | $29,035,000 | 4,848 |
| Average equity | $3,010,200 | 4,909 |
| Average total loans | $20,660,800 | 4,699 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,387 |
| Cost of funding earning assets | 0.3874% | 3,884 |
| Net interest margin | 3.8183% | 1,567 |
| Noninterest income to average assets | 0.4789% | 2,700 |
| Noninterest expense to average assets | 2.9361% | 1,598 |
| Loan and lease loss provision to assets | 0.7872% | 232 |
| Net operating income to assets | 0.1791% | 4,622 |
| Return on assets (ROA) | 0.1791% | 4,660 |
| Pretax return on assets | 0.2041% | 4,654 |
| Return on Equity (ROE) | 1.9084% | 4,559 |
| Retained earnings to average equity (ytd only) | 1.9084% | 3,960 |
| Net charge-offs to loans | 1.8446% | 57 |
| Credit loss provision to net charge-offs | 65.5052% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.8293% | 3,116 |
| Efficiency ratio | 74.7614% | 1,332 |
| Assets per employee ($millions) | 4.7421% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,187 |
| Loan loss allowance to noncurrent loans | 28.6979% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 3.2143% | 127 |
| Noncurrent loans to loans | 3.8469% | 174 |
| Net loans and leases to total assets | 61.2592% | 3,086 |
| Net loans and leases to deposits | 67.5110% | 3,512 |
| Net loans and leases to core deposits | 67.5110% | 3,789 |
| Total domestic deposits to total assets | 90.7396% | 226 |
| Equity capital to assets | 9.1731% | 3,975 |
| Core capital (leverage) ratio | 8.9035% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4007% | 1,398 |
| Memoranda: | ||
| Average total assets | $32,014,000 | 4,880 |
| Average earning assets | $28,912,750 | 4,879 |
| Average equity | $3,004,250 | 4,935 |
| Average total loans | $20,745,000 | 4,729 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,420 |
| Cost of funding earning assets | 0.4131% | 3,979 |
| Net interest margin | 3.9067% | 1,550 |
| Noninterest income to average assets | 0.5313% | 2,432 |
| Noninterest expense to average assets | 2.9411% | 1,734 |
| Loan and lease loss provision to assets | 1.0500% | 188 |
| Net operating income to assets | 0.0443% | 4,733 |
| Return on assets (ROA) | 0.0443% | 4,762 |
| Pretax return on assets | 0.0696% | 4,746 |
| Return on Equity (ROE) | 0.4681% | 4,750 |
| Retained earnings to average equity (ytd only) | 0.4681% | 4,219 |
| Net charge-offs to loans | 2.5666% | 45 |
| Credit loss provision to net charge-offs | 62.5468% | 2,575 |
| Earnings coverage of net charge-offs (x) | 0.6629% | 2,909 |
| Efficiency ratio | 72.4299% | 1,630 |
| Assets per employee ($millions) | 3.8745% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,940 |
| Loan loss allowance to noncurrent loans | 24.5652% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 4.0134% | 90 |
| Noncurrent loans to loans | 4.5547% | 131 |
| Net loans and leases to total assets | 64.4373% | 2,830 |
| Net loans and leases to deposits | 71.5032% | 3,303 |
| Net loans and leases to core deposits | 71.5032% | 3,620 |
| Total domestic deposits to total assets | 90.1181% | 374 |
| Equity capital to assets | 9.7077% | 3,466 |
| Core capital (leverage) ratio | 9.0404% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8523% | 1,286 |
| Memoranda: | ||
| Average total assets | $31,620,333 | 4,915 |
| Average earning assets | $28,566,667 | 4,911 |
| Average equity | $2,990,667 | 4,968 |
| Average total loans | $20,806,000 | 4,755 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 2,723 |
| Cost of funding earning assets | 0.4159% | 4,306 |
| Net interest margin | 3.9515% | 1,529 |
| Noninterest income to average assets | 0.5261% | 2,407 |
| Noninterest expense to average assets | 2.8435% | 2,295 |
| Loan and lease loss provision to assets | 1.7412% | 85 |
| Net operating income to assets | -0.5136% | 4,933 |
| Return on assets (ROA) | -0.5136% | 4,906 |
| Pretax return on assets | -0.4885% | 4,886 |
| Return on Equity (ROE) | -5.5006% | 4,935 |
| Retained earnings to average equity (ytd only) | -5.5006% | 4,552 |
| Net charge-offs to loans | -0.0568% | 4,676 |
| Credit loss provision to net charge-offs | -4,633.3333% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4190% | 2,445 |
| Assets per employee ($millions) | 3.8926% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 379 |
| Loan loss allowance to noncurrent loans | 40.4145% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 4.7590% | 71 |
| Noncurrent loans to loans | 5.4387% | 99 |
| Net loans and leases to total assets | 66.8700% | 2,712 |
| Net loans and leases to deposits | 74.0014% | 3,275 |
| Net loans and leases to core deposits | 74.0014% | 3,630 |
| Total domestic deposits to total assets | 90.3632% | 229 |
| Equity capital to assets | 9.5084% | 4,211 |
| Core capital (leverage) ratio | 8.7728% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9030% | 1,627 |
| Memoranda: | ||
| Average total assets | $31,932,500 | 4,954 |
| Average earning assets | $28,850,000 | 4,950 |
| Average equity | $2,981,500 | 5,015 |
| Average total loans | $21,109,500 | 4,783 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 3,020 |
| Cost of funding earning assets | 0.4400% | 4,309 |
| Net interest margin | 4.0377% | 1,718 |
| Noninterest income to average assets | 0.5473% | 2,500 |
| Noninterest expense to average assets | 2.7269% | 2,813 |
| Loan and lease loss provision to assets | 1.3698% | 64 |
| Net operating income to assets | 0.0759% | 4,938 |
| Return on assets (ROA) | 0.0759% | 4,955 |
| Pretax return on assets | 0.0791% | 4,952 |
| Return on Equity (ROE) | 0.8052% | 4,940 |
| Retained earnings to average equity (ytd only) | 0.8052% | 4,459 |
| Net charge-offs to loans | 1.7945% | 69 |
| Credit loss provision to net charge-offs | 116.3978% | 2,170 |
| Earnings coverage of net charge-offs (x) | 1.2312% | 3,563 |
| Efficiency ratio | 65.3030% | 2,875 |
| Assets per employee ($millions) | 4.0905% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,070 |
| Loan loss allowance to noncurrent loans | 31.0181% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 4.3607% | 82 |
| Noncurrent loans to loans | 5.0222% | 102 |
| Net loans and leases to total assets | 62.9538% | 3,319 |
| Net loans and leases to deposits | 69.3800% | 3,718 |
| Net loans and leases to core deposits | 69.3800% | 3,999 |
| Total domestic deposits to total assets | 90.7377% | 158 |
| Equity capital to assets | 9.1737% | 4,591 |
| Core capital (leverage) ratio | 8.3304% | 4,934 |
| Tier 1 risk-based capital ratio | 14.6785% | 2,918 |
| Total risk-based capital ratio | 15.0216% | 3,289 |
| Memoranda: | ||
| Average total assets | $31,611,400 | 5,007 |
| Average earning assets | $28,407,600 | 5,002 |
| Average equity | $2,980,600 | 5,072 |
| Average total loans | $20,729,600 | 4,848 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 2,787 |
| Cost of funding earning assets | 0.4401% | 4,364 |
| Net interest margin | 4.1404% | 1,524 |
| Noninterest income to average assets | 0.4584% | 2,968 |
| Noninterest expense to average assets | 2.7802% | 2,625 |
| Loan and lease loss provision to assets | 0.5518% | 217 |
| Net operating income to assets | 0.8150% | 3,625 |
| Return on assets (ROA) | 0.8150% | 3,708 |
| Pretax return on assets | 0.8404% | 4,037 |
| Return on Equity (ROE) | 8.3835% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.3835% | 1,253 |
| Net charge-offs to loans | 1.1194% | 129 |
| Credit loss provision to net charge-offs | 74.7126% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.8851% | 3,244 |
| Efficiency ratio | 66.6328% | 2,647 |
| Assets per employee ($millions) | 4.2086% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,203 |
| Loan loss allowance to noncurrent loans | 33.1839% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.9493% | 195 |
| Noncurrent loans to loans | 3.2091% | 283 |
| Net loans and leases to total assets | 61.2581% | 3,569 |
| Net loans and leases to deposits | 67.6895% | 3,943 |
| Net loans and leases to core deposits | 67.6895% | 4,186 |
| Total domestic deposits to total assets | 90.4987% | 173 |
| Equity capital to assets | 9.4182% | 4,516 |
| Core capital (leverage) ratio | 8.9794% | 4,653 |
| Tier 1 risk-based capital ratio | 15.5998% | 2,604 |
| Total risk-based capital ratio | 16.0894% | 2,855 |
| Memoranda: | ||
| Average total assets | $31,411,500 | 5,084 |
| Average earning assets | $28,177,000 | 5,083 |
| Average equity | $3,053,500 | 5,145 |
| Average total loans | $20,724,500 | 4,920 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,632 |
| Cost of funding earning assets | 0.4300% | 4,394 |
| Net interest margin | 4.1838% | 1,401 |
| Noninterest income to average assets | 0.2805% | 4,059 |
| Noninterest expense to average assets | 2.6746% | 2,994 |
| Loan and lease loss provision to assets | 0.6980% | 149 |
| Net operating income to assets | 0.6262% | 4,232 |
| Return on assets (ROA) | 0.6262% | 4,276 |
| Pretax return on assets | 0.6523% | 4,445 |
| Return on Equity (ROE) | 6.3696% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.3696% | 2,113 |
| Net charge-offs to loans | 0.5125% | 303 |
| Credit loss provision to net charge-offs | 201.8868% | 1,192 |
| Earnings coverage of net charge-offs (x) | 3.9057% | 2,787 |
| Efficiency ratio | 66.4506% | 2,757 |
| Assets per employee ($millions) | 3.8741% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,143 |
| Loan loss allowance to noncurrent loans | 43.5967% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 3.4137% | 153 |
| Noncurrent loans to loans | 3.5473% | 231 |
| Net loans and leases to total assets | 65.7310% | 3,145 |
| Net loans and leases to deposits | 73.0913% | 3,588 |
| Net loans and leases to core deposits | 74.4210% | 3,867 |
| Total domestic deposits to total assets | 89.9300% | 352 |
| Equity capital to assets | 9.9216% | 4,037 |
| Core capital (leverage) ratio | 9.4626% | 4,185 |
| Tier 1 risk-based capital ratio | 15.5230% | 2,619 |
| Total risk-based capital ratio | 15.8441% | 2,944 |
| Memoranda: | ||
| Average total assets | $30,659,000 | 5,136 |
| Average earning assets | $27,439,000 | 5,137 |
| Average equity | $3,014,330 | 5,186 |
| Average total loans | $20,683,670 | 4,961 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 2,726 |
| Cost of funding earning assets | 0.3663% | 4,620 |
| Net interest margin | 4.1759% | 1,359 |
| Noninterest income to average assets | 0.2099% | 4,490 |
| Noninterest expense to average assets | 2.6499% | 3,058 |
| Loan and lease loss provision to assets | 1.1150% | 74 |
| Net operating income to assets | 0.1574% | 5,046 |
| Return on assets (ROA) | 0.1574% | 5,052 |
| Pretax return on assets | 0.1837% | 5,046 |
| Return on Equity (ROE) | 1.6086% | 5,011 |
| Retained earnings to average equity (ytd only) | 1.6086% | 4,168 |
| Net charge-offs to loans | 1.1025% | 118 |
| Credit loss provision to net charge-offs | 149.1228% | 1,248 |
| Earnings coverage of net charge-offs (x) | 1.7368% | 2,561 |
| Efficiency ratio | 67.1096% | 2,779 |
| Assets per employee ($millions) | 3.8061% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,658 |
| Loan loss allowance to noncurrent loans | 37.5160% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 3.6290% | 142 |
| Noncurrent loans to loans | 3.7494% | 226 |
| Net loans and leases to total assets | 67.4472% | 2,837 |
| Net loans and leases to deposits | 74.9197% | 3,364 |
| Net loans and leases to core deposits | 76.3060% | 3,642 |
| Total domestic deposits to total assets | 90.0259% | 437 |
| Equity capital to assets | 9.8197% | 3,994 |
| Core capital (leverage) ratio | 9.3568% | 4,310 |
| Tier 1 risk-based capital ratio | 15.2517% | 2,776 |
| Total risk-based capital ratio | 15.5767% | 3,110 |
| Memoranda: | ||
| Average total assets | $30,492,000 | 5,196 |
| Average earning assets | $27,299,500 | 5,192 |
| Average equity | $2,984,000 | 5,242 |
| Average total loans | $20,679,500 | 5,021 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 2,652 |
| Cost of funding earning assets | 0.3257% | 4,434 |
| Net interest margin | 4.1082% | 1,655 |
| Noninterest income to average assets | 0.4458% | 3,130 |
| Noninterest expense to average assets | 2.6449% | 3,197 |
| Loan and lease loss provision to assets | 0.6934% | 149 |
| Net operating income to assets | 0.5613% | 4,520 |
| Return on assets (ROA) | 0.5613% | 4,522 |
| Pretax return on assets | 0.7727% | 4,240 |
| Return on Equity (ROE) | 5.7807% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.2027% | 2,660 |
| Net charge-offs to loans | 0.1790% | 1,074 |
| Credit loss provision to net charge-offs | 583.3333% | 604 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 2,539 |
| Efficiency ratio | 64.3373% | 3,137 |
| Assets per employee ($millions) | 3.8169% | 4,155 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,060 |
| Loan loss allowance to noncurrent loans | 42.7653% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 3.0981% | 193 |
| Noncurrent loans to loans | 3.0299% | 332 |
| Net loans and leases to total assets | 66.3599% | 3,076 |
| Net loans and leases to deposits | 73.6435% | 3,531 |
| Net loans and leases to core deposits | 73.6435% | 3,878 |
| Total domestic deposits to total assets | 90.1097% | 437 |
| Equity capital to assets | 9.7527% | 3,899 |
| Core capital (leverage) ratio | 9.2125% | 4,440 |
| Tier 1 risk-based capital ratio | 15.2844% | 2,707 |
| Total risk-based capital ratio | 16.5385% | 2,632 |
| Memoranda: | ||
| Average total assets | $30,284,600 | 5,238 |
| Average earning assets | $27,019,400 | 5,238 |
| Average equity | $2,940,800 | 5,283 |
| Average total loans | $20,108,200 | 5,076 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,693 |
| Cost of funding earning assets | 0.3118% | 4,435 |
| Net interest margin | 4.0678% | 1,729 |
| Noninterest income to average assets | 0.4676% | 3,057 |
| Noninterest expense to average assets | 2.6073% | 3,263 |
| Loan and lease loss provision to assets | 0.6485% | 156 |
| Net operating income to assets | 0.8382% | 3,781 |
| Return on assets (ROA) | 0.8382% | 3,787 |
| Pretax return on assets | 0.8382% | 4,199 |
| Return on Equity (ROE) | 8.6417% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.6417% | 1,361 |
| Net charge-offs to loans | 0.1866% | 897 |
| Credit loss provision to net charge-offs | 525.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 12.0364% | 2,477 |
| Efficiency ratio | 63.6853% | 3,238 |
| Assets per employee ($millions) | 3.7248% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,489 |
| Loan loss allowance to noncurrent loans | 124.8521% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 753 |
| Noncurrent loans to loans | 0.8383% | 2,029 |
| Net loans and leases to total assets | 66.9508% | 3,075 |
| Net loans and leases to deposits | 74.6324% | 3,538 |
| Net loans and leases to core deposits | 74.6324% | 3,900 |
| Total domestic deposits to total assets | 89.7074% | 595 |
| Equity capital to assets | 10.1181% | 3,522 |
| Core capital (leverage) ratio | 9.3756% | 4,306 |
| Tier 1 risk-based capital ratio | 15.5418% | 2,634 |
| Total risk-based capital ratio | 16.7197% | 2,596 |
| Memoranda: | ||
| Average total assets | $30,222,000 | 5,304 |
| Average earning assets | $26,942,500 | 5,307 |
| Average equity | $2,931,500 | 5,353 |
| Average total loans | $20,003,000 | 5,135 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,671 |
| Cost of funding earning assets | 0.3028% | 4,397 |
| Net interest margin | 4.0254% | 1,775 |
| Noninterest income to average assets | 0.5006% | 2,865 |
| Noninterest expense to average assets | 2.5755% | 3,397 |
| Loan and lease loss provision to assets | 0.3293% | 410 |
| Net operating income to assets | 1.1856% | 2,255 |
| Return on assets (ROA) | 1.1856% | 2,256 |
| Pretax return on assets | 1.1856% | 2,990 |
| Return on Equity (ROE) | 12.3981% | 1,586 |
| Retained earnings to average equity (ytd only) | 12.3981% | 467 |
| Net charge-offs to loans | 0.0100% | 2,778 |
| Credit loss provision to net charge-offs | 5,000.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 386 |
| Efficiency ratio | 62.9630% | 3,485 |
| Assets per employee ($millions) | 3.7835% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,935 |
| Loan loss allowance to noncurrent loans | 162.0690% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 1,032 |
| Noncurrent loans to loans | 0.4353% | 3,139 |
| Net loans and leases to total assets | 65.5709% | 3,208 |
| Net loans and leases to deposits | 72.9294% | 3,636 |
| Net loans and leases to core deposits | 72.9294% | 3,948 |
| Total domestic deposits to total assets | 89.9101% | 603 |
| Equity capital to assets | 9.9280% | 3,695 |
| Core capital (leverage) ratio | 9.2071% | 4,455 |
| Tier 1 risk-based capital ratio | 15.5389% | 2,621 |
| Total risk-based capital ratio | 16.3287% | 2,759 |
| Memoranda: | ||
| Average total assets | $30,363,330 | 5,368 |
| Average earning assets | $27,078,000 | 5,370 |
| Average equity | $2,903,670 | 5,419 |
| Average total loans | $19,950,330 | 5,197 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,974 |
| Cost of funding earning assets | 0.2802% | 4,506 |
| Net interest margin | 3.8928% | 2,072 |
| Noninterest income to average assets | 0.4867% | 2,888 |
| Noninterest expense to average assets | 2.5649% | 3,442 |
| Loan and lease loss provision to assets | 0.6577% | 148 |
| Net operating income to assets | 0.7366% | 3,959 |
| Return on assets (ROA) | 0.7366% | 3,963 |
| Pretax return on assets | 0.7366% | 4,335 |
| Return on Equity (ROE) | 7.8514% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.8514% | 1,899 |
| Net charge-offs to loans | -0.0201% | 4,563 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7841% | 3,358 |
| Assets per employee ($millions) | 3.7858% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 4,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 1,740 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.3536% | 3,132 |
| Net loans and leases to deposits | 72.3375% | 3,573 |
| Net loans and leases to core deposits | 72.3375% | 3,927 |
| Total domestic deposits to total assets | 90.3454% | 523 |
| Equity capital to assets | 9.5126% | 4,080 |
| Core capital (leverage) ratio | 8.8721% | 4,826 |
| Tier 1 risk-based capital ratio | 14.8376% | 2,961 |
| Total risk-based capital ratio | 15.6383% | 3,094 |
| Memoranda: | ||
| Average total assets | $30,411,000 | 5,427 |
| Average earning assets | $27,127,000 | 5,429 |
| Average equity | $2,853,000 | 5,480 |
| Average total loans | $19,931,500 | 5,261 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,251 |
| Cost of funding earning assets | 0.3040% | 4,100 |
| Net interest margin | 3.7441% | 2,627 |
| Noninterest income to average assets | 0.6473% | 2,213 |
| Noninterest expense to average assets | 2.7643% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0205% | 2,149 |
| Return on assets (ROA) | 1.0205% | 2,183 |
| Pretax return on assets | 1.2187% | 2,694 |
| Return on Equity (ROE) | 11.4292% | 1,356 |
| Retained earnings to average equity (ytd only) | 11.4292% | 215 |
| Net charge-offs to loans | 0.1392% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 2,376 |
| Efficiency ratio | 69.4030% | 2,636 |
| Assets per employee ($millions) | 3.8170% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4617% | 5,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 1,721 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.9561% | 3,236 |
| Net loans and leases to deposits | 71.6867% | 3,732 |
| Net loans and leases to core deposits | 71.6867% | 4,076 |
| Total domestic deposits to total assets | 90.6111% | 361 |
| Equity capital to assets | 9.2514% | 4,474 |
| Core capital (leverage) ratio | 8.3349% | 5,266 |
| Tier 1 risk-based capital ratio | 14.6430% | 3,014 |
| Total risk-based capital ratio | 15.1623% | 3,321 |
| Memoranda: | ||
| Average total assets | $30,279,000 | 5,488 |
| Average earning assets | $26,975,600 | 5,485 |
| Average equity | $2,703,600 | 5,552 |
| Average total loans | $19,396,000 | 5,329 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,362 |
| Cost of funding earning assets | 0.3023% | 4,105 |
| Net interest margin | 3.6971% | 2,774 |
| Noninterest income to average assets | 0.7193% | 1,911 |
| Noninterest expense to average assets | 2.7800% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2312% | 1,574 |
| Return on assets (ROA) | 1.2312% | 1,599 |
| Pretax return on assets | 1.2312% | 2,781 |
| Return on Equity (ROE) | 13.9153% | 853 |
| Retained earnings to average equity (ytd only) | 13.9153% | 160 |
| Net charge-offs to loans | 0.0277% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 69.7917% | 895 |
| Efficiency ratio | 69.3069% | 2,649 |
| Assets per employee ($millions) | 3.8890% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 5,326 |
| Loan loss allowance to noncurrent loans | 61.1702% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 1,021 |
| Noncurrent loans to loans | 0.9786% | 1,968 |
| Net loans and leases to total assets | 61.3782% | 3,733 |
| Net loans and leases to deposits | 67.4937% | 4,147 |
| Net loans and leases to core deposits | 67.4937% | 4,379 |
| Total domestic deposits to total assets | 90.9392% | 200 |
| Equity capital to assets | 8.9837% | 4,928 |
| Core capital (leverage) ratio | 8.1891% | 5,426 |
| Tier 1 risk-based capital ratio | 14.3322% | 3,276 |
| Total risk-based capital ratio | 14.9894% | 3,493 |
| Memoranda: | ||
| Average total assets | $30,214,750 | 5,546 |
| Average earning assets | $26,903,000 | 5,544 |
| Average equity | $2,673,250 | 5,615 |
| Average total loans | $19,263,250 | 5,389 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,121 |
| Cost of funding earning assets | 0.3153% | 3,928 |
| Net interest margin | 3.7088% | 2,626 |
| Noninterest income to average assets | 0.9627% | 1,105 |
| Noninterest expense to average assets | 2.8614% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4039% | 1,061 |
| Return on assets (ROA) | 1.4039% | 1,085 |
| Pretax return on assets | 1.4039% | 2,006 |
| Return on Equity (ROE) | 15.9534% | 538 |
| Retained earnings to average equity (ytd only) | 15.9534% | 104 |
| Net charge-offs to loans | 0.0207% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 631 |
| Efficiency ratio | 67.0846% | 3,170 |
| Assets per employee ($millions) | 3.6974% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6122% | 5,358 |
| Loan loss allowance to noncurrent loans | 62.9032% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 959 |
| Noncurrent loans to loans | 0.9733% | 2,020 |
| Net loans and leases to total assets | 64.2145% | 3,359 |
| Net loans and leases to deposits | 70.9102% | 3,834 |
| Net loans and leases to core deposits | 70.9102% | 4,171 |
| Total domestic deposits to total assets | 90.5575% | 337 |
| Equity capital to assets | 9.2160% | 4,708 |
| Core capital (leverage) ratio | 8.4631% | 5,243 |
| Tier 1 risk-based capital ratio | 14.4709% | 3,182 |
| Total risk-based capital ratio | 15.1512% | 3,398 |
| Memoranda: | ||
| Average total assets | $29,915,670 | 5,596 |
| Average earning assets | $26,639,330 | 5,596 |
| Average equity | $2,632,670 | 5,668 |
| Average total loans | $19,280,670 | 5,431 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,020 |
| Cost of funding earning assets | 0.3425% | 3,606 |
| Net interest margin | 3.6634% | 2,638 |
| Noninterest income to average assets | 1.4360% | 520 |
| Noninterest expense to average assets | 2.8587% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8482% | 412 |
| Return on assets (ROA) | 1.8482% | 425 |
| Pretax return on assets | 1.8482% | 726 |
| Return on Equity (ROE) | 21.5004% | 169 |
| Retained earnings to average equity (ytd only) | 21.5004% | 86 |
| Net charge-offs to loans | 0.0413% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 726 |
| Efficiency ratio | 60.7345% | 4,357 |
| Assets per employee ($millions) | 3.7841% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 5,455 |
| Loan loss allowance to noncurrent loans | 243.7500% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 1,504 |
| Noncurrent loans to loans | 0.2524% | 4,210 |
| Net loans and leases to total assets | 62.4319% | 3,478 |
| Net loans and leases to deposits | 68.5727% | 3,934 |
| Net loans and leases to core deposits | 68.5727% | 4,248 |
| Total domestic deposits to total assets | 91.0448% | 289 |
| Equity capital to assets | 8.7735% | 5,019 |
| Core capital (leverage) ratio | 8.1720% | 5,471 |
| Tier 1 risk-based capital ratio | 14.0134% | 3,467 |
| Total risk-based capital ratio | 14.6912% | 3,728 |
| Memoranda: | ||
| Average total assets | $30,084,000 | 5,662 |
| Average earning assets | $26,860,000 | 5,659 |
| Average equity | $2,586,000 | 5,734 |
| Average total loans | $19,365,500 | 5,486 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 2,370 |
| Cost of funding earning assets | 0.3588% | 3,426 |
| Net interest margin | 3.8761% | 2,041 |
| Noninterest income to average assets | 0.4293% | 3,685 |
| Noninterest expense to average assets | 3.0885% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1748% | 1,590 |
| Return on assets (ROA) | 1.1748% | 1,689 |
| Pretax return on assets | 0.7921% | 4,204 |
| Return on Equity (ROE) | 15.5740% | 550 |
| Retained earnings to average equity (ytd only) | 15.5740% | 92 |
| Net charge-offs to loans | 0.2122% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.4091% | 3,348 |
| Efficiency ratio | 79.5883% | 1,470 |
| Assets per employee ($millions) | 3.3217% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 5,522 |
| Loan loss allowance to noncurrent loans | 145.1220% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 1,354 |
| Noncurrent loans to loans | 0.4159% | 3,653 |
| Net loans and leases to total assets | 65.5461% | 3,144 |
| Net loans and leases to deposits | 71.6899% | 3,741 |
| Net loans and leases to core deposits | 71.6899% | 4,099 |
| Total domestic deposits to total assets | 91.4300% | 175 |
| Equity capital to assets | 8.4161% | 5,333 |
| Core capital (leverage) ratio | 8.0613% | 5,583 |
| Tier 1 risk-based capital ratio | 13.0154% | 4,067 |
| Total risk-based capital ratio | 13.6950% | 4,301 |
| Memoranda: | ||
| Average total assets | $30,047,200 | 5,715 |
| Average earning assets | $26,753,600 | 5,711 |
| Average equity | $2,266,600 | 5,821 |
| Average total loans | $20,735,400 | 5,497 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,260 |
| Cost of funding earning assets | 0.3641% | 3,396 |
| Net interest margin | 3.9055% | 1,957 |
| Noninterest income to average assets | 0.3856% | 4,024 |
| Noninterest expense to average assets | 3.0269% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8287% | 3,242 |
| Return on assets (ROA) | 0.8287% | 3,370 |
| Pretax return on assets | 0.8287% | 4,219 |
| Return on Equity (ROE) | 11.3113% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.3113% | 385 |
| Net charge-offs to loans | -0.0063% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5057% | 1,616 |
| Assets per employee ($millions) | 3.8011% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 5,143 |
| Loan loss allowance to noncurrent loans | 64.5669% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7429% | 960 |
| Noncurrent loans to loans | 1.2648% | 1,773 |
| Net loans and leases to total assets | 65.5003% | 3,204 |
| Net loans and leases to deposits | 71.0849% | 3,879 |
| Net loans and leases to core deposits | 71.0849% | 4,242 |
| Total domestic deposits to total assets | 92.1438% | 64 |
| Equity capital to assets | 7.7214% | 5,805 |
| Core capital (leverage) ratio | 7.5376% | 5,825 |
| Tier 1 risk-based capital ratio | 12.4079% | 4,527 |
| Total risk-based capital ratio | 13.3233% | 4,648 |
| Memoranda: | ||
| Average total assets | $30,085,250 | 5,776 |
| Average earning assets | $26,730,750 | 5,774 |
| Average equity | $2,204,250 | 5,889 |
| Average total loans | $20,990,750 | 5,538 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 1,958 |
| Cost of funding earning assets | 0.3681% | 3,375 |
| Net interest margin | 3.9887% | 1,677 |
| Noninterest income to average assets | 0.3936% | 3,920 |
| Noninterest expense to average assets | 3.0223% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9140% | 2,793 |
| Return on assets (ROA) | 0.9140% | 2,929 |
| Pretax return on assets | 0.9140% | 3,900 |
| Return on Equity (ROE) | 12.7068% | 1,101 |
| Retained earnings to average equity (ytd only) | 12.7068% | 250 |
| Net charge-offs to loans | -0.0094% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7797% | 1,965 |
| Assets per employee ($millions) | 3.6733% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 5,263 |
| Loan loss allowance to noncurrent loans | 356.5217% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 1,930 |
| Noncurrent loans to loans | 0.2267% | 4,528 |
| Net loans and leases to total assets | 68.4884% | 2,713 |
| Net loans and leases to deposits | 74.4360% | 3,536 |
| Net loans and leases to core deposits | 74.4360% | 3,948 |
| Total domestic deposits to total assets | 92.0098% | 83 |
| Equity capital to assets | 7.7860% | 5,862 |
| Core capital (leverage) ratio | 7.3939% | 5,896 |
| Tier 1 risk-based capital ratio | 11.8853% | 4,911 |
| Total risk-based capital ratio | 12.7864% | 5,015 |
| Memoranda: | ||
| Average total assets | $29,977,330 | 5,848 |
| Average earning assets | $26,625,330 | 5,848 |
| Average equity | $2,156,330 | 5,967 |
| Average total loans | $21,293,670 | 5,586 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,773 |
| Cost of funding earning assets | 0.3862% | 3,227 |
| Net interest margin | 4.0250% | 1,543 |
| Noninterest income to average assets | 0.3435% | 4,273 |
| Noninterest expense to average assets | 2.9333% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9910% | 2,321 |
| Return on assets (ROA) | 0.9910% | 2,435 |
| Pretax return on assets | 0.9910% | 3,515 |
| Return on Equity (ROE) | 14.3506% | 771 |
| Retained earnings to average equity (ytd only) | 14.3506% | 294 |
| Net charge-offs to loans | -0.0184% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7475% | 2,366 |
| Assets per employee ($millions) | 3.6901% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 5,451 |
| Loan loss allowance to noncurrent loans | 410.0000% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 2,064 |
| Noncurrent loans to loans | 0.1870% | 4,740 |
| Net loans and leases to total assets | 71.9149% | 2,051 |
| Net loans and leases to deposits | 77.9226% | 3,012 |
| Net loans and leases to core deposits | 77.9226% | 3,494 |
| Total domestic deposits to total assets | 92.2902% | 83 |
| Equity capital to assets | 7.5201% | 5,945 |
| Core capital (leverage) ratio | 7.3739% | 5,950 |
| Tier 1 risk-based capital ratio | 11.5421% | 5,213 |
| Total risk-based capital ratio | 12.3947% | 5,337 |
| Memoranda: | ||
| Average total assets | $30,273,000 | 5,902 |
| Average earning assets | $26,932,000 | 5,901 |
| Average equity | $2,090,500 | 6,035 |
| Average total loans | $21,795,500 | 5,620 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 1,957 |
| Cost of funding earning assets | 0.4614% | 2,526 |
| Net interest margin | 3.9217% | 1,959 |
| Noninterest income to average assets | 2.7107% | 242 |
| Noninterest expense to average assets | 6.5943% | 157 |
| Loan and lease loss provision to assets | 0.0380% | 3,579 |
| Net operating income to assets | -0.4502% | 6,033 |
| Return on assets (ROA) | -0.4502% | 6,041 |
| Pretax return on assets | -0.4724% | 6,035 |
| Return on Equity (ROE) | -6.7910% | 6,070 |
| Retained earnings to average equity (ytd only) | -6.7910% | 5,972 |
| Net charge-offs to loans | 0.0447% | 3,320 |
| Credit loss provision to net charge-offs | 120.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | -13.7000% | 4,432 |
| Efficiency ratio | 107.0510% | 171 |
| Assets per employee ($millions) | 3.8781% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 5,572 |
| Loan loss allowance to noncurrent loans | 118.9781% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 1,593 |
| Noncurrent loans to loans | 0.6172% | 3,333 |
| Net loans and leases to total assets | 71.0201% | 2,194 |
| Net loans and leases to deposits | 75.9348% | 3,263 |
| Net loans and leases to core deposits | 77.6118% | 3,593 |
| Total domestic deposits to total assets | 93.5278% | 35 |
| Equity capital to assets | 6.3207% | 6,105 |
| Core capital (leverage) ratio | 6.1441% | 6,114 |
| Tier 1 risk-based capital ratio | 9.7869% | 5,998 |
| Total risk-based capital ratio | 10.6004% | 6,058 |
| Memoranda: | ||
| Average total assets | $31,542,200 | 5,936 |
| Average earning assets | $27,743,000 | 5,938 |
| Average equity | $2,091,000 | 6,089 |
| Average total loans | $22,348,400 | 5,641 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 1,925 |
| Cost of funding earning assets | 0.4661% | 2,524 |
| Net interest margin | 3.9308% | 1,929 |
| Noninterest income to average assets | 0.4673% | 3,587 |
| Noninterest expense to average assets | 4.5129% | 406 |
| Loan and lease loss provision to assets | 0.0168% | 3,935 |
| Net operating income to assets | -0.6231% | 6,157 |
| Return on assets (ROA) | -0.6231% | 6,156 |
| Pretax return on assets | -0.6189% | 6,148 |
| Return on Equity (ROE) | -9.2927% | 6,175 |
| Retained earnings to average equity (ytd only) | -9.2927% | 6,114 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3929% | 112 |
| Assets per employee ($millions) | 4.0540% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 5,678 |
| Loan loss allowance to noncurrent loans | 132.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 1,156 |
| Noncurrent loans to loans | 0.5480% | 3,699 |
| Net loans and leases to total assets | 69.8292% | 2,414 |
| Net loans and leases to deposits | 74.4086% | 3,498 |
| Net loans and leases to core deposits | 75.4246% | 3,863 |
| Total domestic deposits to total assets | 93.8456% | 29 |
| Equity capital to assets | 6.0280% | 6,202 |
| Core capital (leverage) ratio | 6.1752% | 6,192 |
| Tier 1 risk-based capital ratio | 9.3402% | 6,165 |
| Total risk-based capital ratio | 10.1285% | 6,189 |
| Memoranda: | ||
| Average total assets | $31,671,500 | 6,013 |
| Average earning assets | $27,746,250 | 6,020 |
| Average equity | $2,123,500 | 6,171 |
| Average total loans | $22,386,250 | 5,708 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,793 |
| Cost of funding earning assets | 0.4673% | 2,539 |
| Net interest margin | 3.9504% | 1,806 |
| Noninterest income to average assets | 0.4201% | 3,920 |
| Noninterest expense to average assets | 3.3611% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5029% | 4,758 |
| Return on assets (ROA) | 0.5029% | 4,863 |
| Pretax return on assets | 0.5029% | 5,217 |
| Return on Equity (ROE) | 7.1873% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.1873% | 1,624 |
| Net charge-offs to loans | -0.0090% | 4,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9852% | 984 |
| Assets per employee ($millions) | 3.4167% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 5,728 |
| Loan loss allowance to noncurrent loans | 120.8955% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1902% | 489 |
| Noncurrent loans to loans | 0.6134% | 3,626 |
| Net loans and leases to total assets | 70.5138% | 2,241 |
| Net loans and leases to deposits | 76.2600% | 3,240 |
| Net loans and leases to core deposits | 77.3674% | 3,632 |
| Total domestic deposits to total assets | 92.4650% | 87 |
| Equity capital to assets | 7.2780% | 6,150 |
| Core capital (leverage) ratio | 7.2467% | 6,145 |
| Tier 1 risk-based capital ratio | 11.3437% | 5,544 |
| Total risk-based capital ratio | 12.1648% | 5,673 |
| Memoranda: | ||
| Average total assets | $31,418,000 | 6,084 |
| Average earning assets | $27,389,330 | 6,089 |
| Average equity | $2,198,330 | 6,234 |
| Average total loans | $22,244,330 | 5,767 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 1,874 |
| Cost of funding earning assets | 0.4758% | 2,495 |
| Net interest margin | 3.8930% | 1,921 |
| Noninterest income to average assets | 0.4661% | 3,527 |
| Noninterest expense to average assets | 3.3762% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4913% | 4,730 |
| Return on assets (ROA) | 0.4913% | 4,846 |
| Pretax return on assets | 0.4913% | 5,198 |
| Return on Equity (ROE) | 7.1609% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.1609% | 1,939 |
| Net charge-offs to loans | -0.0535% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2964% | 1,074 |
| Assets per employee ($millions) | 3.4688% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 5,848 |
| Loan loss allowance to noncurrent loans | 98.7952% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 3.2448% | 543 |
| Noncurrent loans to loans | 0.7394% | 3,411 |
| Net loans and leases to total assets | 71.3892% | 1,918 |
| Net loans and leases to deposits | 77.0084% | 2,941 |
| Net loans and leases to core deposits | 78.0630% | 3,371 |
| Total domestic deposits to total assets | 92.7032% | 80 |
| Equity capital to assets | 7.0406% | 6,254 |
| Core capital (leverage) ratio | 6.9041% | 6,246 |
| Tier 1 risk-based capital ratio | 10.8313% | 5,887 |
| Total risk-based capital ratio | 11.6346% | 6,000 |
| Memoranda: | ||
| Average total assets | $31,752,000 | 6,145 |
| Average earning assets | $27,742,000 | 6,149 |
| Average equity | $2,178,500 | 6,301 |
| Average total loans | $22,444,000 | 5,808 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 2,167 |
| Cost of funding earning assets | 0.5456% | 2,239 |
| Net interest margin | 3.8729% | 2,346 |
| Noninterest income to average assets | 0.5000% | 3,513 |
| Noninterest expense to average assets | 3.6965% | 1,161 |
| Loan and lease loss provision to assets | 0.0562% | 3,426 |
| Net operating income to assets | 0.0625% | 6,005 |
| Return on assets (ROA) | 0.0625% | 6,031 |
| Pretax return on assets | 0.1187% | 5,971 |
| Return on Equity (ROE) | 0.9216% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.9216% | 5,368 |
| Net charge-offs to loans | 0.1755% | 2,267 |
| Credit loss provision to net charge-offs | 47.3684% | 3,541 |
| Earnings coverage of net charge-offs (x) | 1.4737% | 4,410 |
| Efficiency ratio | 95.4802% | 524 |
| Assets per employee ($millions) | 3.5872% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 5,956 |
| Loan loss allowance to noncurrent loans | 162.6263% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 2.9333% | 703 |
| Noncurrent loans to loans | 0.4412% | 4,318 |
| Net loans and leases to total assets | 68.9980% | 2,395 |
| Net loans and leases to deposits | 74.6390% | 3,359 |
| Net loans and leases to core deposits | 75.5862% | 3,759 |
| Total domestic deposits to total assets | 92.4423% | 102 |
| Equity capital to assets | 6.6873% | 6,363 |
| Core capital (leverage) ratio | 6.6449% | 6,352 |
| Tier 1 risk-based capital ratio | 10.6902% | 6,027 |
| Total risk-based capital ratio | 11.4874% | 6,140 |
| Memoranda: | ||
| Average total assets | $32,003,000 | 6,217 |
| Average earning assets | $27,860,000 | 6,224 |
| Average equity | $2,170,200 | 6,383 |
| Average total loans | $21,652,200 | 5,895 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 2,180 |
| Cost of funding earning assets | 0.5576% | 2,215 |
| Net interest margin | 3.8553% | 2,414 |
| Noninterest income to average assets | 0.3966% | 4,274 |
| Noninterest expense to average assets | 3.4739% | 1,517 |
| Loan and lease loss provision to assets | 0.0501% | 3,373 |
| Net operating income to assets | 0.2213% | 5,805 |
| Return on assets (ROA) | 0.2213% | 5,852 |
| Pretax return on assets | 0.2213% | 5,916 |
| Return on Equity (ROE) | 3.2517% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.2517% | 4,311 |
| Net charge-offs to loans | 0.1678% | 2,125 |
| Credit loss provision to net charge-offs | 44.4444% | 3,211 |
| Earnings coverage of net charge-offs (x) | 2.4072% | 3,919 |
| Efficiency ratio | 92.7536% | 660 |
| Assets per employee ($millions) | 3.6600% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 6,004 |
| Loan loss allowance to noncurrent loans | 190.8046% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 2.8385% | 857 |
| Noncurrent loans to loans | 0.3913% | 4,737 |
| Net loans and leases to total assets | 66.9885% | 2,687 |
| Net loans and leases to deposits | 71.9442% | 3,688 |
| Net loans and leases to core deposits | 72.8780% | 4,064 |
| Total domestic deposits to total assets | 93.1117% | 72 |
| Equity capital to assets | 6.6545% | 6,427 |
| Core capital (leverage) ratio | 6.7241% | 6,415 |
| Tier 1 risk-based capital ratio | 10.7673% | 6,103 |
| Total risk-based capital ratio | 11.5827% | 6,223 |
| Memoranda: | ||
| Average total assets | $31,932,500 | 6,293 |
| Average earning assets | $27,736,250 | 6,300 |
| Average equity | $2,173,000 | 6,460 |
| Average total loans | $21,456,000 | 5,969 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 2,037 |
| Cost of funding earning assets | 0.5633% | 2,230 |
| Net interest margin | 3.8770% | 2,267 |
| Noninterest income to average assets | 0.3861% | 4,353 |
| Noninterest expense to average assets | 3.3864% | 1,708 |
| Loan and lease loss provision to assets | 0.0380% | 3,536 |
| Net operating income to assets | 0.3165% | 5,510 |
| Return on assets (ROA) | 0.3165% | 5,585 |
| Pretax return on assets | 0.3165% | 5,752 |
| Return on Equity (ROE) | 4.6154% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.6154% | 3,219 |
| Net charge-offs to loans | 0.2453% | 1,580 |
| Credit loss provision to net charge-offs | 23.0769% | 3,151 |
| Earnings coverage of net charge-offs (x) | 2.1538% | 3,620 |
| Efficiency ratio | 90.5245% | 878 |
| Assets per employee ($millions) | 3.5517% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 6,096 |
| Loan loss allowance to noncurrent loans | 173.1183% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 2.9438% | 872 |
| Noncurrent loans to loans | 0.4304% | 4,695 |
| Net loans and leases to total assets | 67.0953% | 2,563 |
| Net loans and leases to deposits | 72.2778% | 3,540 |
| Net loans and leases to core deposits | 73.1231% | 3,939 |
| Total domestic deposits to total assets | 92.8297% | 93 |
| Equity capital to assets | 6.8481% | 6,462 |
| Core capital (leverage) ratio | 6.9474% | 6,440 |
| Tier 1 risk-based capital ratio | 10.9281% | 6,077 |
| Total risk-based capital ratio | 11.7318% | 6,201 |
| Memoranda: | ||
| Average total assets | $31,596,670 | 6,357 |
| Average earning assets | $27,341,000 | 6,366 |
| Average equity | $2,166,670 | 6,520 |
| Average total loans | $21,197,330 | 6,024 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 1,947 |
| Cost of funding earning assets | 0.5899% | 2,065 |
| Net interest margin | 3.8640% | 2,215 |
| Noninterest income to average assets | 0.2419% | 5,420 |
| Noninterest expense to average assets | 3.1580% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4202% | 5,042 |
| Return on assets (ROA) | 0.4202% | 5,111 |
| Pretax return on assets | 0.4202% | 5,386 |
| Return on Equity (ROE) | 6.1239% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.1239% | 2,471 |
| Net charge-offs to loans | 0.1143% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,365 |
| Efficiency ratio | 88.2562% | 1,200 |
| Assets per employee ($millions) | 3.5061% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 5,993 |
| Loan loss allowance to noncurrent loans | 141.1290% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 3.3307% | 795 |
| Noncurrent loans to loans | 0.6049% | 4,347 |
| Net loans and leases to total assets | 64.4113% | 2,824 |
| Net loans and leases to deposits | 69.3118% | 3,692 |
| Net loans and leases to core deposits | 70.0959% | 4,079 |
| Total domestic deposits to total assets | 92.9298% | 122 |
| Equity capital to assets | 6.8832% | 6,473 |
| Core capital (leverage) ratio | 6.8584% | 6,501 |
| Tier 1 risk-based capital ratio | 11.2138% | 6,067 |
| Total risk-based capital ratio | 12.1173% | 6,159 |
| Memoranda: | ||
| Average total assets | $31,412,500 | 6,428 |
| Average earning assets | $27,122,000 | 6,435 |
| Average equity | $2,155,500 | 6,581 |
| Average total loans | $20,992,000 | 6,096 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,519 |
| Cost of funding earning assets | 0.7517% | 1,484 |
| Net interest margin | 3.9674% | 2,043 |
| Noninterest income to average assets | 0.3062% | 5,151 |
| Noninterest expense to average assets | 3.6587% | 1,354 |
| Loan and lease loss provision to assets | 0.0568% | 4,010 |
| Net operating income to assets | 0.0979% | 6,049 |
| Return on assets (ROA) | 0.0979% | 6,101 |
| Pretax return on assets | 0.0726% | 6,125 |
| Return on Equity (ROE) | 1.4360% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.4360% | 5,177 |
| Net charge-offs to loans | 0.0674% | 4,270 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 2.7333% | 4,087 |
| Efficiency ratio | 96.5833% | 610 |
| Assets per employee ($millions) | 3.4744% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,081 |
| Loan loss allowance to noncurrent loans | 116.7742% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 3.4602% | 852 |
| Noncurrent loans to loans | 0.7215% | 4,163 |
| Net loans and leases to total assets | 68.1260% | 2,336 |
| Net loans and leases to deposits | 73.2717% | 3,362 |
| Net loans and leases to core deposits | 74.0613% | 3,833 |
| Total domestic deposits to total assets | 92.9773% | 137 |
| Equity capital to assets | 6.8404% | 6,500 |
| Core capital (leverage) ratio | 6.6153% | 6,581 |
| Tier 1 risk-based capital ratio | 10.8014% | 6,264 |
| Total risk-based capital ratio | 11.7154% | 6,332 |
| Memoranda: | ||
| Average total assets | $31,677,600 | 6,489 |
| Average earning assets | $27,801,800 | 6,492 |
| Average equity | $2,158,800 | 6,668 |
| Average total loans | $22,258,000 | 6,107 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 1,474 |
| Cost of funding earning assets | 0.7766% | 1,443 |
| Net interest margin | 3.9735% | 2,027 |
| Noninterest income to average assets | 0.3230% | 5,098 |
| Noninterest expense to average assets | 3.4529% | 1,710 |
| Loan and lease loss provision to assets | 0.0503% | 4,009 |
| Net operating income to assets | 0.3189% | 5,546 |
| Return on assets (ROA) | 0.3189% | 5,661 |
| Pretax return on assets | 0.3189% | 5,824 |
| Return on Equity (ROE) | 4.6831% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.6831% | 3,329 |
| Net charge-offs to loans | 0.0059% | 5,062 |
| Credit loss provision to net charge-offs | 1,200.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 88.2180% | 546 |
| Efficiency ratio | 90.3403% | 965 |
| Assets per employee ($millions) | 3.7333% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 6,155 |
| Loan loss allowance to noncurrent loans | 64.5051% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.3304% | 1,690 |
| Noncurrent loans to loans | 1.3340% | 3,192 |
| Net loans and leases to total assets | 64.8065% | 2,850 |
| Net loans and leases to deposits | 69.4245% | 3,865 |
| Net loans and leases to core deposits | 70.1537% | 4,303 |
| Total domestic deposits to total assets | 93.3482% | 102 |
| Equity capital to assets | 6.5030% | 6,643 |
| Core capital (leverage) ratio | 6.6553% | 6,644 |
| Tier 1 risk-based capital ratio | 10.5780% | 6,428 |
| Total risk-based capital ratio | 11.4930% | 6,498 |
| Memoranda: | ||
| Average total assets | $31,779,500 | 6,564 |
| Average earning assets | $27,984,750 | 6,563 |
| Average equity | $2,163,750 | 6,746 |
| Average total loans | $22,451,500 | 6,161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 1,104 |
| Cost of funding earning assets | 0.8115% | 1,361 |
| Net interest margin | 4.0867% | 1,579 |
| Noninterest income to average assets | 0.3336% | 5,029 |
| Noninterest expense to average assets | 3.3491% | 1,939 |
| Loan and lease loss provision to assets | 0.0385% | 4,181 |
| Net operating income to assets | 0.5325% | 4,656 |
| Return on assets (ROA) | 0.5325% | 4,819 |
| Pretax return on assets | 0.5325% | 5,261 |
| Return on Equity (ROE) | 7.6971% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.6971% | 1,597 |
| Net charge-offs to loans | 0.0088% | 4,710 |
| Credit loss provision to net charge-offs | 600.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 512 |
| Efficiency ratio | 85.4337% | 1,468 |
| Assets per employee ($millions) | 3.4599% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 6,307 |
| Loan loss allowance to noncurrent loans | 871.4286% | 533 |
| Noncurrent assets plus other real estate owned to assets | 1.6410% | 2,645 |
| Noncurrent loans to loans | 0.0947% | 6,115 |
| Net loans and leases to total assets | 70.6413% | 1,775 |
| Net loans and leases to deposits | 76.1432% | 2,853 |
| Net loans and leases to core deposits | 76.9987% | 3,425 |
| Total domestic deposits to total assets | 92.7743% | 149 |
| Equity capital to assets | 7.0394% | 6,595 |
| Core capital (leverage) ratio | 7.0310% | 6,605 |
| Tier 1 risk-based capital ratio | 10.8434% | 6,398 |
| Total risk-based capital ratio | 11.7438% | 6,480 |
| Memoranda: | ||
| Average total assets | $31,172,670 | 6,617 |
| Average earning assets | $27,357,330 | 6,624 |
| Average equity | $2,156,670 | 6,796 |
| Average total loans | $22,614,000 | 6,187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 870 |
| Cost of funding earning assets | 0.8670% | 1,169 |
| Net interest margin | 4.1439% | 1,344 |
| Noninterest income to average assets | 0.2693% | 5,528 |
| Noninterest expense to average assets | 3.1164% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7695% | 3,333 |
| Return on assets (ROA) | 0.7695% | 3,474 |
| Pretax return on assets | 0.7695% | 4,296 |
| Return on Equity (ROE) | 11.2202% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.2202% | 827 |
| Net charge-offs to loans | 0.0175% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 595 |
| Efficiency ratio | 80.1980% | 2,308 |
| Assets per employee ($millions) | 3.4656% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 6,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 2,910 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 71.1638% | 1,496 |
| Net loans and leases to deposits | 76.6489% | 2,532 |
| Net loans and leases to core deposits | 77.4108% | 3,140 |
| Total domestic deposits to total assets | 92.8439% | 139 |
| Equity capital to assets | 6.9542% | 6,722 |
| Core capital (leverage) ratio | 6.9171% | 6,665 |
| Tier 1 risk-based capital ratio | 10.5164% | 6,573 |
| Total risk-based capital ratio | 11.3745% | 6,656 |
| Memoranda: | ||
| Average total assets | $31,189,500 | 6,683 |
| Average earning assets | $27,221,000 | 6,689 |
| Average equity | $2,139,000 | 6,863 |
| Average total loans | $22,831,000 | 6,234 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 871 |
| Cost of funding earning assets | 0.9992% | 1,367 |
| Net interest margin | 4.3323% | 1,320 |
| Noninterest income to average assets | -0.2895% | 6,993 |
| Noninterest expense to average assets | 4.0494% | 921 |
| Loan and lease loss provision to assets | 1.2002% | 303 |
| Net operating income to assets | -1.6068% | 6,879 |
| Return on assets (ROA) | -1.6068% | 6,894 |
| Pretax return on assets | -1.7173% | 6,895 |
| Return on Equity (ROE) | -20.5218% | 6,886 |
| Retained earnings to average equity (ytd only) | -20.5218% | 6,857 |
| Net charge-offs to loans | 1.8903% | 407 |
| Credit loss provision to net charge-offs | 83.4842% | 3,715 |
| Earnings coverage of net charge-offs (x) | -0.3597% | 5,634 |
| Efficiency ratio | 114.6409% | 264 |
| Assets per employee ($millions) | 3.4654% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 6,548 |
| Loan loss allowance to noncurrent loans | 114.1026% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.8660% | 2,619 |
| Noncurrent loans to loans | 0.6698% | 4,858 |
| Net loans and leases to total assets | 74.0998% | 1,183 |
| Net loans and leases to deposits | 79.6904% | 2,330 |
| Net loans and leases to core deposits | 80.4141% | 2,953 |
| Total domestic deposits to total assets | 92.9847% | 131 |
| Equity capital to assets | 6.7620% | 6,809 |
| Core capital (leverage) ratio | 6.7048% | 6,758 |
| Tier 1 risk-based capital ratio | 10.1433% | 6,665 |
| Total risk-based capital ratio | 10.9994% | 6,737 |
| Memoranda: | ||
| Average total assets | $30,745,200 | 6,739 |
| Average earning assets | $27,121,600 | 6,732 |
| Average equity | $2,407,200 | 6,901 |
| Average total loans | $23,382,000 | 6,274 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3354% | 949 |
| Cost of funding earning assets | 1.0209% | 1,446 |
| Net interest margin | 4.3144% | 1,428 |
| Noninterest income to average assets | -0.4091% | 7,116 |
| Noninterest expense to average assets | 3.8344% | 1,149 |
| Loan and lease loss provision to assets | 1.3840% | 241 |
| Net operating income to assets | -1.8106% | 7,015 |
| Return on assets (ROA) | -1.8106% | 7,028 |
| Pretax return on assets | -1.8018% | 7,001 |
| Return on Equity (ROE) | -22.3491% | 7,013 |
| Retained earnings to average equity (ytd only) | -22.3491% | 6,998 |
| Net charge-offs to loans | 2.2501% | 302 |
| Credit loss provision to net charge-offs | 80.5063% | 3,601 |
| Earnings coverage of net charge-offs (x) | -0.2430% | 5,424 |
| Efficiency ratio | 112.2293% | 266 |
| Assets per employee ($millions) | 3.4830% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 6,681 |
| Loan loss allowance to noncurrent loans | 67.9688% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.3607% | 2,251 |
| Noncurrent loans to loans | 1.1076% | 4,203 |
| Net loans and leases to total assets | 73.1745% | 1,365 |
| Net loans and leases to deposits | 78.7868% | 2,559 |
| Net loans and leases to core deposits | 78.7868% | 3,355 |
| Total domestic deposits to total assets | 92.8765% | 123 |
| Equity capital to assets | 6.9831% | 6,883 |
| Core capital (leverage) ratio | 7.0722% | 6,784 |
| Tier 1 risk-based capital ratio | 10.4938% | 6,667 |
| Total risk-based capital ratio | 11.3279% | 6,755 |
| Memoranda: | ||
| Average total assets | $30,634,250 | 6,825 |
| Average earning assets | $27,164,000 | 6,819 |
| Average equity | $2,481,750 | 6,973 |
| Average total loans | $23,405,250 | 6,362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 934 |
| Cost of funding earning assets | 1.0435% | 1,503 |
| Net interest margin | 4.3222% | 1,416 |
| Noninterest income to average assets | -0.8356% | 7,214 |
| Noninterest expense to average assets | 3.5925% | 1,590 |
| Loan and lease loss provision to assets | 0.0790% | 4,619 |
| Net operating income to assets | -0.6645% | 6,805 |
| Return on assets (ROA) | -0.6645% | 6,839 |
| Pretax return on assets | -0.6645% | 6,808 |
| Return on Equity (ROE) | -7.8315% | 6,857 |
| Retained earnings to average equity (ytd only) | -7.8315% | 6,758 |
| Net charge-offs to loans | 1.3530% | 770 |
| Credit loss provision to net charge-offs | 7.5472% | 4,762 |
| Earnings coverage of net charge-offs (x) | -0.5597% | 5,249 |
| Efficiency ratio | 119.4748% | 233 |
| Assets per employee ($millions) | 3.3624% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4289% | 7,064 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 5,854 |
| Noncurrent loans to loans | 0.4619% | 5,611 |
| Net loans and leases to total assets | 79.7898% | 539 |
| Net loans and leases to deposits | 87.5871% | 1,410 |
| Net loans and leases to core deposits | 87.5871% | 2,250 |
| Total domestic deposits to total assets | 91.0977% | 416 |
| Equity capital to assets | 8.2711% | 6,402 |
| Core capital (leverage) ratio | 8.4117% | 5,773 |
| Tier 1 risk-based capital ratio | 11.9037% | 5,991 |
| Total risk-based capital ratio | 12.3983% | 6,408 |
| Memoranda: | ||
| Average total assets | $30,396,670 | 6,884 |
| Average earning assets | $27,023,330 | 6,875 |
| Average equity | $2,579,330 | 6,998 |
| Average total loans | $23,503,000 | 6,390 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 958 |
| Cost of funding earning assets | 1.0684% | 1,569 |
| Net interest margin | 4.3033% | 1,458 |
| Noninterest income to average assets | 0.2363% | 5,941 |
| Noninterest expense to average assets | 3.5846% | 1,592 |
| Loan and lease loss provision to assets | 0.0788% | 4,417 |
| Net operating income to assets | 0.3545% | 5,459 |
| Return on assets (ROA) | 0.3545% | 5,633 |
| Pretax return on assets | 0.3808% | 5,781 |
| Return on Equity (ROE) | 4.1261% | 5,236 |
| Retained earnings to average equity (ytd only) | 4.1261% | 4,116 |
| Net charge-offs to loans | 2.7497% | 281 |
| Credit loss provision to net charge-offs | 3.7736% | 3,967 |
| Earnings coverage of net charge-offs (x) | 0.2201% | 4,257 |
| Efficiency ratio | 88.6364% | 1,212 |
| Assets per employee ($millions) | 3.3367% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 7,116 |
| Loan loss allowance to noncurrent loans | 136.1111% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 4,250 |
| Noncurrent loans to loans | 0.3126% | 6,055 |
| Net loans and leases to total assets | 76.3770% | 763 |
| Net loans and leases to deposits | 83.9870% | 1,666 |
| Net loans and leases to core deposits | 83.9870% | 2,547 |
| Total domestic deposits to total assets | 90.9391% | 586 |
| Equity capital to assets | 8.7612% | 5,796 |
| Core capital (leverage) ratio | 8.9199% | 4,966 |
| Tier 1 risk-based capital ratio | 12.7323% | 5,415 |
| Total risk-based capital ratio | 13.2065% | 5,985 |
| Memoranda: | ||
| Average total assets | $30,464,000 | 6,935 |
| Average earning assets | $26,956,000 | 6,930 |
| Average equity | $2,617,500 | 7,037 |
| Average total loans | $23,129,500 | 6,456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 1,192 |
| Cost of funding earning assets | 1.2265% | 1,863 |
| Net interest margin | 4.2620% | 1,833 |
| Noninterest income to average assets | 0.3703% | 4,859 |
| Noninterest expense to average assets | 4.4609% | 605 |
| Loan and lease loss provision to assets | 0.3973% | 2,609 |
| Net operating income to assets | -0.7508% | 6,631 |
| Return on assets (ROA) | -0.7508% | 6,666 |
| Pretax return on assets | -0.7441% | 6,619 |
| Return on Equity (ROE) | -7.9005% | 6,670 |
| Retained earnings to average equity (ytd only) | -8.4319% | 6,643 |
| Net charge-offs to loans | 0.0089% | 6,304 |
| Credit loss provision to net charge-offs | 5,900.0000% | 40 |
| Earnings coverage of net charge-offs (x) | -51.5000% | 6,427 |
| Efficiency ratio | 108.4288% | 463 |
| Assets per employee ($millions) | 3.4331% | 5,174 |
| Cash dividends to net income (ytd only)* | -6.7265% | 7,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,882 |
| Loan loss allowance to noncurrent loans | 105.0209% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 3,564 |
| Noncurrent loans to loans | 1.0291% | 4,652 |
| Net loans and leases to total assets | 74.3543% | 1,208 |
| Net loans and leases to deposits | 81.3642% | 2,298 |
| Net loans and leases to core deposits | 82.2409% | 3,148 |
| Total domestic deposits to total assets | 91.3846% | 367 |
| Equity capital to assets | 8.4277% | 6,227 |
| Core capital (leverage) ratio | 8.5212% | 5,525 |
| Tier 1 risk-based capital ratio | 12.8137% | 5,234 |
| Total risk-based capital ratio | 14.0488% | 5,224 |
| Memoranda: | ||
| Average total assets | $29,702,200 | 6,978 |
| Average earning assets | $26,091,200 | 6,984 |
| Average equity | $2,822,600 | 7,050 |
| Average total loans | $22,538,400 | 6,532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 1,192 |
| Cost of funding earning assets | 1.2626% | 1,920 |
| Net interest margin | 4.2638% | 1,858 |
| Noninterest income to average assets | 0.3764% | 4,858 |
| Noninterest expense to average assets | 3.6911% | 1,515 |
| Loan and lease loss provision to assets | 0.0453% | 5,875 |
| Net operating income to assets | 0.3491% | 5,206 |
| Return on assets (ROA) | 0.3491% | 5,389 |
| Pretax return on assets | 0.3764% | 5,538 |
| Return on Equity (ROE) | 3.5680% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.5680% | 4,205 |
| Net charge-offs to loans | 0.0119% | 5,985 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 46.4419% | 687 |
| Efficiency ratio | 89.7464% | 1,186 |
| Assets per employee ($millions) | 3.4313% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 7,061 |
| Loan loss allowance to noncurrent loans | 61.6379% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1113% | 3,016 |
| Noncurrent loans to loans | 1.0026% | 4,886 |
| Net loans and leases to total assets | 74.4641% | 1,241 |
| Net loans and leases to deposits | 82.4170% | 2,279 |
| Net loans and leases to core deposits | 83.3128% | 3,144 |
| Total domestic deposits to total assets | 90.3504% | 695 |
| Equity capital to assets | 9.4521% | 5,161 |
| Core capital (leverage) ratio | 9.3768% | 4,337 |
| Tier 1 risk-based capital ratio | 14.1335% | 4,251 |
| Total risk-based capital ratio | 14.8259% | 4,647 |
| Memoranda: | ||
| Average total assets | $29,403,250 | 7,056 |
| Average earning assets | $25,766,750 | 7,063 |
| Average equity | $2,877,250 | 7,100 |
| Average total loans | $22,366,750 | 6,606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 1,004 |
| Cost of funding earning assets | 1.2981% | 1,952 |
| Net interest margin | 4.3377% | 1,545 |
| Noninterest income to average assets | 0.3667% | 4,944 |
| Noninterest expense to average assets | 3.8118% | 1,333 |
| Loan and lease loss provision to assets | 0.0277% | 5,961 |
| Net operating income to assets | 0.2906% | 5,404 |
| Return on assets (ROA) | 0.2906% | 5,544 |
| Pretax return on assets | 0.3182% | 5,627 |
| Return on Equity (ROE) | 2.9336% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.9336% | 4,417 |
| Net charge-offs to loans | 0.0271% | 5,445 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,327 |
| Efficiency ratio | 91.6805% | 1,111 |
| Assets per employee ($millions) | 3.2499% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 7,133 |
| Loan loss allowance to noncurrent loans | 51.7110% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.3351% | 2,819 |
| Noncurrent loans to loans | 1.1683% | 4,701 |
| Net loans and leases to total assets | 76.5018% | 1,000 |
| Net loans and leases to deposits | 85.1932% | 1,910 |
| Net loans and leases to core deposits | 85.1932% | 3,047 |
| Total domestic deposits to total assets | 89.7979% | 1,073 |
| Equity capital to assets | 9.8602% | 4,318 |
| Core capital (leverage) ratio | 10.0212% | 3,237 |
| Tier 1 risk-based capital ratio | 14.5974% | 3,731 |
| Total risk-based capital ratio | 15.2857% | 4,116 |
| Memoranda: | ||
| Average total assets | $28,910,330 | 7,135 |
| Average earning assets | $25,267,000 | 7,141 |
| Average equity | $2,863,330 | 7,161 |
| Average total loans | $22,109,330 | 6,679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6615% | 954 |
| Cost of funding earning assets | 1.3556% | 1,848 |
| Net interest margin | 4.3060% | 1,545 |
| Noninterest income to average assets | 0.3062% | 5,480 |
| Noninterest expense to average assets | 3.7438% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2923% | 5,450 |
| Return on assets (ROA) | 0.2923% | 5,524 |
| Pretax return on assets | 0.3201% | 5,597 |
| Return on Equity (ROE) | 2.9443% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.9443% | 4,403 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1233% | 1,156 |
| Assets per employee ($millions) | 3.1901% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 7,178 |
| Loan loss allowance to noncurrent loans | 58.1897% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 2,978 |
| Noncurrent loans to loans | 1.0694% | 4,909 |
| Net loans and leases to total assets | 75.0897% | 1,163 |
| Net loans and leases to deposits | 83.6820% | 2,081 |
| Net loans and leases to core deposits | 83.6820% | 3,210 |
| Total domestic deposits to total assets | 89.7322% | 1,336 |
| Equity capital to assets | 9.9718% | 3,812 |
| Core capital (leverage) ratio | 9.8297% | 3,358 |
| Tier 1 risk-based capital ratio | 14.8319% | 3,520 |
| Total risk-based capital ratio | 15.5313% | 3,838 |
| Memoranda: | ||
| Average total assets | $28,741,000 | 7,192 |
| Average earning assets | $25,081,500 | 7,194 |
| Average equity | $2,853,000 | 7,212 |
| Average total loans | $21,908,000 | 6,745 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8264% | 1,207 |
| Cost of funding earning assets | 1.4975% | 2,656 |
| Net interest margin | 4.3288% | 1,721 |
| Noninterest income to average assets | 0.4316% | 4,673 |
| Noninterest expense to average assets | 3.8028% | 1,481 |
| Loan and lease loss provision to assets | 0.2787% | 4,579 |
| Net operating income to assets | 0.1359% | 5,484 |
| Return on assets (ROA) | 0.1359% | 5,635 |
| Pretax return on assets | 0.1223% | 5,657 |
| Return on Equity (ROE) | 1.4099% | 5,581 |
| Retained earnings to average equity (ytd only) | 0.8812% | 5,108 |
| Net charge-offs to loans | 0.5618% | 3,369 |
| Credit loss provision to net charge-offs | 65.6000% | 5,968 |
| Earnings coverage of net charge-offs (x) | 0.9440% | 5,167 |
| Efficiency ratio | 90.4608% | 1,287 |
| Assets per employee ($millions) | 3.1968% | 5,676 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 7,249 |
| Loan loss allowance to noncurrent loans | 58.1897% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 3,022 |
| Noncurrent loans to loans | 1.0487% | 4,974 |
| Net loans and leases to total assets | 76.4207% | 1,201 |
| Net loans and leases to deposits | 84.9706% | 2,287 |
| Net loans and leases to core deposits | 84.9706% | 3,467 |
| Total domestic deposits to total assets | 89.9378% | 1,136 |
| Equity capital to assets | 9.8815% | 3,898 |
| Core capital (leverage) ratio | 9.6448% | 3,493 |
| Tier 1 risk-based capital ratio | 14.5967% | 3,482 |
| Total risk-based capital ratio | 15.2898% | 3,811 |
| Memoranda: | ||
| Average total assets | $29,425,600 | 7,226 |
| Average earning assets | $25,642,000 | 7,240 |
| Average equity | $2,837,000 | 7,319 |
| Average total loans | $22,249,800 | 6,807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9098% | 1,113 |
| Cost of funding earning assets | 1.5149% | 2,880 |
| Net interest margin | 4.3949% | 1,542 |
| Noninterest income to average assets | 0.4056% | 4,913 |
| Noninterest expense to average assets | 3.5823% | 1,832 |
| Loan and lease loss provision to assets | 0.3154% | 4,055 |
| Net operating income to assets | 0.3109% | 5,121 |
| Return on assets (ROA) | 0.3109% | 5,296 |
| Pretax return on assets | 0.3380% | 5,405 |
| Return on Equity (ROE) | 3.2446% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.2446% | 4,157 |
| Net charge-offs to loans | 0.7181% | 2,627 |
| Credit loss provision to net charge-offs | 58.3333% | 5,739 |
| Earnings coverage of net charge-offs (x) | 1.2083% | 4,852 |
| Efficiency ratio | 84.5745% | 1,778 |
| Assets per employee ($millions) | 3.3800% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5755% | 7,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 4,404 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 72.6956% | 2,078 |
| Net loans and leases to deposits | 80.5493% | 3,353 |
| Net loans and leases to core deposits | 80.5493% | 4,439 |
| Total domestic deposits to total assets | 90.2498% | 752 |
| Equity capital to assets | 9.4905% | 4,859 |
| Core capital (leverage) ratio | 9.5942% | 3,775 |
| Tier 1 risk-based capital ratio | 14.5105% | 3,504 |
| Total risk-based capital ratio | 15.1538% | 3,881 |
| Memoranda: | ||
| Average total assets | $29,589,250 | 7,308 |
| Average earning assets | $25,787,000 | 7,329 |
| Average equity | $2,835,500 | 7,414 |
| Average total loans | $22,281,750 | 6,897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9425% | 1,071 |
| Cost of funding earning assets | 1.5543% | 2,936 |
| Net interest margin | 4.3882% | 1,480 |
| Noninterest income to average assets | 0.3957% | 4,942 |
| Noninterest expense to average assets | 3.5548% | 1,898 |
| Loan and lease loss provision to assets | 0.4776% | 2,915 |
| Net operating income to assets | 0.1501% | 5,719 |
| Return on assets (ROA) | 0.1501% | 5,839 |
| Pretax return on assets | 0.1774% | 5,824 |
| Return on Equity (ROE) | 1.5612% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.5612% | 5,079 |
| Net charge-offs to loans | 1.0675% | 1,763 |
| Credit loss provision to net charge-offs | 58.8235% | 5,231 |
| Earnings coverage of net charge-offs (x) | 0.8067% | 4,964 |
| Efficiency ratio | 84.4408% | 1,868 |
| Assets per employee ($millions) | 3.2726% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5806% | 7,437 |
| Loan loss allowance to noncurrent loans | 921.4286% | 373 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 4,254 |
| Noncurrent loans to loans | 0.0630% | 7,156 |
| Net loans and leases to total assets | 75.0008% | 1,697 |
| Net loans and leases to deposits | 83.2172% | 3,030 |
| Net loans and leases to core deposits | 83.2172% | 4,247 |
| Total domestic deposits to total assets | 90.1266% | 854 |
| Equity capital to assets | 9.6425% | 4,482 |
| Core capital (leverage) ratio | 9.9020% | 3,282 |
| Tier 1 risk-based capital ratio | 14.3369% | 3,523 |
| Total risk-based capital ratio | 14.9831% | 3,880 |
| Memoranda: | ||
| Average total assets | $29,312,330 | 7,370 |
| Average earning assets | $25,477,330 | 7,385 |
| Average equity | $2,818,330 | 7,471 |
| Average total loans | $22,295,000 | 6,949 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 1,022 |
| Cost of funding earning assets | 1.5731% | 3,118 |
| Net interest margin | 4.4047% | 1,376 |
| Noninterest income to average assets | 0.3420% | 5,403 |
| Noninterest expense to average assets | 3.4745% | 2,052 |
| Loan and lease loss provision to assets | 0.9575% | 1,311 |
| Net operating income to assets | -0.2873% | 6,651 |
| Return on assets (ROA) | -0.2873% | 6,709 |
| Pretax return on assets | -0.2599% | 6,605 |
| Return on Equity (ROE) | -2.9920% | 6,739 |
| Retained earnings to average equity (ytd only) | -2.9920% | 6,361 |
| Net charge-offs to loans | 2.1135% | 804 |
| Credit loss provision to net charge-offs | 59.3220% | 4,315 |
| Earnings coverage of net charge-offs (x) | 0.4322% | 4,644 |
| Efficiency ratio | 83.2787% | 2,104 |
| Assets per employee ($millions) | 3.1479% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 7,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 4,289 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 77.3958% | 1,272 |
| Net loans and leases to deposits | 86.1199% | 2,564 |
| Net loans and leases to core deposits | 86.1199% | 3,873 |
| Total domestic deposits to total assets | 89.8698% | 1,058 |
| Equity capital to assets | 9.8726% | 4,029 |
| Core capital (leverage) ratio | 9.5942% | 3,650 |
| Tier 1 risk-based capital ratio | 14.3797% | 3,448 |
| Total risk-based capital ratio | 15.0481% | 3,754 |
| Memoranda: | ||
| Average total assets | $29,242,000 | 7,467 |
| Average earning assets | $25,427,500 | 7,477 |
| Average equity | $2,807,500 | 7,548 |
| Average total loans | $22,333,000 | 7,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9718% | 1,981 |
| Cost of funding earning assets | 2.1071% | 2,424 |
| Net interest margin | 3.8648% | 3,414 |
| Noninterest income to average assets | 0.3836% | 5,349 |
| Noninterest expense to average assets | 3.4958% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2811% | 4,602 |
| Return on assets (ROA) | 0.2811% | 4,696 |
| Pretax return on assets | 0.3274% | 4,696 |
| Return on Equity (ROE) | 3.0344% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.1419% | 3,605 |
| Net charge-offs to loans | 0.0400% | 6,712 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,635 |
| Efficiency ratio | 91.4360% | 1,606 |
| Assets per employee ($millions) | 3.3503% | 5,374 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 7,172 |
| Loan loss allowance to noncurrent loans | 62.2378% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.3314% | 2,966 |
| Noncurrent loans to loans | 1.2650% | 4,823 |
| Net loans and leases to total assets | 74.3906% | 2,168 |
| Net loans and leases to deposits | 82.2492% | 3,582 |
| Net loans and leases to core deposits | 93.5405% | 4,723 |
| Total domestic deposits to total assets | 90.4454% | 763 |
| Equity capital to assets | 9.3457% | 4,638 |
| Core capital (leverage) ratio | 9.4646% | 3,768 |
| Tier 1 risk-based capital ratio | 13.9229% | 3,554 |
| Total risk-based capital ratio | 14.8024% | 3,732 |
| Memoranda: | ||
| Average total assets | $30,236,600 | 7,462 |
| Average earning assets | $26,909,600 | 7,465 |
| Average equity | $2,801,200 | 7,647 |
| Average total loans | $22,496,800 | 7,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9750% | 2,132 |
| Cost of funding earning assets | 2.2086% | 2,371 |
| Net interest margin | 3.7664% | 3,794 |
| Noninterest income to average assets | 0.3746% | 5,518 |
| Noninterest expense to average assets | 3.3225% | 2,830 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3922% | 4,428 |
| Return on assets (ROA) | 0.3922% | 4,529 |
| Pretax return on assets | 0.4186% | 4,748 |
| Return on Equity (ROE) | 4.2424% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.2424% | 2,903 |
| Net charge-offs to loans | 0.0831% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.7841% | 2,543 |
| Efficiency ratio | 88.8104% | 1,793 |
| Assets per employee ($millions) | 2.9919% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 7,269 |
| Loan loss allowance to noncurrent loans | 17.0443% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 3.3925% | 1,969 |
| Noncurrent loans to loans | 4.3831% | 1,611 |
| Net loans and leases to total assets | 76.8207% | 1,815 |
| Net loans and leases to deposits | 85.2712% | 3,455 |
| Net loans and leases to core deposits | 97.0690% | 4,697 |
| Total domestic deposits to total assets | 90.0899% | 735 |
| Equity capital to assets | 9.5157% | 4,729 |
| Core capital (leverage) ratio | 9.4212% | 4,018 |
| Tier 1 risk-based capital ratio | 13.5526% | 3,811 |
| Total risk-based capital ratio | 14.3762% | 4,038 |
| Memoranda: | ||
| Average total assets | $30,257,500 | 7,530 |
| Average earning assets | $27,045,250 | 7,529 |
| Average equity | $2,797,000 | 7,719 |
| Average total loans | $22,468,750 | 7,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8582% | 2,768 |
| Cost of funding earning assets | 2.3212% | 2,269 |
| Net interest margin | 3.5370% | 4,630 |
| Noninterest income to average assets | 0.3622% | 5,615 |
| Noninterest expense to average assets | 3.1807% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3161% | 4,824 |
| Return on assets (ROA) | 0.3161% | 4,937 |
| Pretax return on assets | 0.3424% | 5,089 |
| Return on Equity (ROE) | 3.4528% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.4528% | 3,396 |
| Net charge-offs to loans | 0.0899% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,889 |
| Efficiency ratio | 90.2804% | 1,780 |
| Assets per employee ($millions) | 2.9957% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 7,162 |
| Loan loss allowance to noncurrent loans | 14.0700% | 7,398 |
| Noncurrent assets plus other real estate owned to assets | 4.1994% | 1,372 |
| Noncurrent loans to loans | 5.6667% | 1,006 |
| Net loans and leases to total assets | 73.5154% | 2,836 |
| Net loans and leases to deposits | 81.4822% | 4,303 |
| Net loans and leases to core deposits | 93.2348% | 5,213 |
| Total domestic deposits to total assets | 90.2227% | 744 |
| Equity capital to assets | 9.3634% | 4,792 |
| Core capital (leverage) ratio | 8.9220% | 4,755 |
| Tier 1 risk-based capital ratio | 13.7500% | 3,657 |
| Total risk-based capital ratio | 14.6176% | 3,825 |
| Memoranda: | ||
| Average total assets | $30,370,330 | 7,589 |
| Average earning assets | $27,141,670 | 7,592 |
| Average equity | $2,780,330 | 7,796 |
| Average total loans | $22,239,330 | 7,195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 2,858 |
| Cost of funding earning assets | 2.4110% | 2,249 |
| Net interest margin | 3.4776% | 4,815 |
| Noninterest income to average assets | 0.3140% | 5,935 |
| Noninterest expense to average assets | 3.1396% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2616% | 5,429 |
| Return on assets (ROA) | 0.2616% | 5,597 |
| Pretax return on assets | 0.2878% | 5,705 |
| Return on Equity (ROE) | 2.8902% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.8902% | 4,266 |
| Net charge-offs to loans | 0.2156% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,812 |
| Efficiency ratio | 91.6031% | 1,603 |
| Assets per employee ($millions) | 3.0510% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 7,162 |
| Loan loss allowance to noncurrent loans | 16.1738% | 7,349 |
| Noncurrent assets plus other real estate owned to assets | 3.8381% | 1,371 |
| Noncurrent loans to loans | 4.9406% | 1,103 |
| Net loans and leases to total assets | 71.2062% | 3,424 |
| Net loans and leases to deposits | 78.6539% | 4,821 |
| Net loans and leases to core deposits | 88.7786% | 5,672 |
| Total domestic deposits to total assets | 90.5310% | 578 |
| Equity capital to assets | 9.1052% | 5,217 |
| Core capital (leverage) ratio | 8.9792% | 4,742 |
| Tier 1 risk-based capital ratio | 13.7158% | 3,732 |
| Total risk-based capital ratio | 14.5798% | 3,892 |
| Memoranda: | ||
| Average total assets | $30,577,000 | 7,625 |
| Average earning assets | $27,375,000 | 7,633 |
| Average equity | $2,768,000 | 7,850 |
| Average total loans | $22,259,000 | 7,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6028% | 2,481 |
| Cost of funding earning assets | 2.8594% | 2,445 |
| Net interest margin | 3.7433% | 4,254 |
| Noninterest income to average assets | 0.4117% | 5,378 |
| Noninterest expense to average assets | 3.3977% | 2,688 |
| Loan and lease loss provision to assets | 0.1004% | 6,096 |
| Net operating income to assets | 0.2075% | 5,827 |
| Return on assets (ROA) | 0.2075% | 5,645 |
| Pretax return on assets | 0.2310% | 5,663 |
| Return on Equity (ROE) | 2.2362% | 5,529 |
| Retained earnings to average equity (ytd only) | 0.4328% | 4,988 |
| Net charge-offs to loans | 0.1319% | 4,900 |
| Credit loss provision to net charge-offs | 103.4483% | 5,169 |
| Earnings coverage of net charge-offs (x) | 3.4138% | 4,380 |
| Efficiency ratio | 91.1131% | 1,436 |
| Assets per employee ($millions) | 3.0644% | 5,880 |
| Cash dividends to net income (ytd only)* | 80.6452% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 6,998 |
| Loan loss allowance to noncurrent loans | 126.3514% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 5,116 |
| Noncurrent loans to loans | 0.6543% | 5,405 |
| Net loans and leases to total assets | 73.1987% | 3,317 |
| Net loans and leases to deposits | 80.7074% | 4,923 |
| Net loans and leases to core deposits | 91.7236% | 5,665 |
| Total domestic deposits to total assets | 90.6964% | 427 |
| Equity capital to assets | 9.0001% | 5,366 |
| Core capital (leverage) ratio | 9.3330% | 4,252 |
| Tier 1 risk-based capital ratio | 13.2501% | 3,964 |
| Total risk-based capital ratio | 14.1485% | 4,091 |
| Memoranda: | ||
| Average total assets | $29,873,200 | 7,654 |
| Average earning assets | $26,473,800 | 7,676 |
| Average equity | $2,772,600 | 7,907 |
| Average total loans | $21,992,400 | 7,192 |