Home > State Bank of Odell > Performance and Condition Ratios
State Bank of Odell, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 4,316 |
| Cost of funding earning assets | 0.2782% | 4,391 |
| Net interest margin | 3.3708% | 2,469 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.5108% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9463% | 2,386 |
| Return on assets (ROA) | 0.9463% | 2,373 |
| Pretax return on assets | 0.9463% | 2,824 |
| Return on Equity (ROE) | 19.1200% | 696 |
| Retained earnings to average equity (ytd only) | 19.1170% | 149 |
| Net charge-offs to loans | -0.0585% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.6271% | 1,602 |
| Assets per employee ($millions) | 3.3216% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4396% | 208 |
| Loan loss allowance to noncurrent loans | 480.0000% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 2,617 |
| Noncurrent loans to loans | 0.5082% | 1,513 |
| Net loans and leases to total assets | 26.0100% | 4,352 |
| Net loans and leases to deposits | 27.7883% | 4,377 |
| Net loans and leases to core deposits | 27.7883% | 4,419 |
| Total domestic deposits to total assets | 93.5800% | 133 |
| Equity capital to assets | 6.2831% | 4,167 |
| Core capital (leverage) ratio | 8.6541% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7007% | 632 |
| Memoranda: | ||
| Average total assets | $34,132,600 | 4,438 |
| Average earning assets | $31,268,600 | 4,409 |
| Average equity | $1,689,600 | 4,504 |
| Average total loans | $8,552,600 | 4,431 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 4,360 |
| Cost of funding earning assets | 0.2219% | 4,422 |
| Net interest margin | 3.3161% | 2,643 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5105% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9002% | 2,676 |
| Return on assets (ROA) | 0.9002% | 2,663 |
| Pretax return on assets | 0.9002% | 3,102 |
| Return on Equity (ROE) | 19.4500% | 781 |
| Retained earnings to average equity (ytd only) | 19.4514% | 282 |
| Net charge-offs to loans | -0.0315% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.6064% | 1,396 |
| Assets per employee ($millions) | 3.2343% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2722% | 265 |
| Loan loss allowance to noncurrent loans | 77.1739% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 645 |
| Noncurrent loans to loans | 2.9443% | 144 |
| Net loans and leases to total assets | 28.3200% | 4,342 |
| Net loans and leases to deposits | 29.9203% | 4,377 |
| Net loans and leases to core deposits | 29.9203% | 4,380 |
| Total domestic deposits to total assets | 94.6700% | 141 |
| Equity capital to assets | 5.2809% | 4,196 |
| Core capital (leverage) ratio | 8.4120% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5951% | 745 |
| Memoranda: | ||
| Average total assets | $34,361,750 | 4,455 |
| Average earning assets | $31,843,750 | 4,426 |
| Average equity | $1,590,250 | 4,532 |
| Average total loans | $8,477,250 | 4,454 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 4,331 |
| Cost of funding earning assets | 0.1478% | 4,479 |
| Net interest margin | 3.3619% | 2,611 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.4604% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9648% | 2,528 |
| Return on assets (ROA) | 0.9648% | 2,522 |
| Pretax return on assets | 0.9648% | 3,005 |
| Return on Equity (ROE) | 21.7900% | 556 |
| Retained earnings to average equity (ytd only) | 21.7924% | 191 |
| Net charge-offs to loans | 0.0489% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 1,023 |
| Efficiency ratio | 71.8333% | 1,572 |
| Assets per employee ($millions) | 3.5107% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4212% | 245 |
| Loan loss allowance to noncurrent loans | 59.5442% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 469 |
| Noncurrent loans to loans | 4.0663% | 83 |
| Net loans and leases to total assets | 23.9900% | 4,421 |
| Net loans and leases to deposits | 25.1892% | 4,444 |
| Net loans and leases to core deposits | 25.1892% | 4,447 |
| Total domestic deposits to total assets | 95.2500% | 85 |
| Equity capital to assets | 4.7113% | 4,417 |
| Core capital (leverage) ratio | 7.6908% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2241% | 791 |
| Memoranda: | ||
| Average total assets | $35,034,667 | 4,477 |
| Average earning assets | $32,481,667 | 4,449 |
| Average equity | $1,551,000 | 4,564 |
| Average total loans | $8,178,333 | 4,486 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4585% | 4,311 |
| Cost of funding earning assets | 0.1235% | 4,505 |
| Net interest margin | 3.3350% | 2,781 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.6058% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7772% | 3,268 |
| Return on assets (ROA) | 0.7772% | 3,224 |
| Pretax return on assets | 0.7772% | 3,518 |
| Return on Equity (ROE) | 18.1400% | 1,008 |
| Retained earnings to average equity (ytd only) | 18.1394% | 503 |
| Net charge-offs to loans | -0.4527% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.0270% | 1,082 |
| Assets per employee ($millions) | 3.5843% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8612% | 150 |
| Loan loss allowance to noncurrent loans | 34.4288% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.7828% | 156 |
| Noncurrent loans to loans | 8.3106% | 18 |
| Net loans and leases to total assets | 20.8400% | 4,508 |
| Net loans and leases to deposits | 21.8334% | 4,525 |
| Net loans and leases to core deposits | 21.8334% | 4,525 |
| Total domestic deposits to total assets | 95.4400% | 73 |
| Equity capital to assets | 4.5253% | 4,489 |
| Core capital (leverage) ratio | 7.2640% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2866% | 809 |
| Memoranda: | ||
| Average total assets | $34,998,500 | 4,544 |
| Average earning assets | $32,384,000 | 4,514 |
| Average equity | $1,499,500 | 4,633 |
| Average total loans | $7,951,500 | 4,557 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5623% | 4,477 |
| Cost of funding earning assets | 0.1228% | 4,270 |
| Net interest margin | 2.4396% | 4,334 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.4635% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0837% | 4,519 |
| Return on assets (ROA) | 0.0837% | 4,506 |
| Pretax return on assets | 0.0837% | 4,509 |
| Return on Equity (ROE) | 1.7500% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.7504% | 4,029 |
| Net charge-offs to loans | -0.4896% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.7157% | 188 |
| Assets per employee ($millions) | 3.4154% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 199 |
| Loan loss allowance to noncurrent loans | 54.5220% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 347 |
| Noncurrent loans to loans | 4.7115% | 60 |
| Net loans and leases to total assets | 23.4300% | 4,518 |
| Net loans and leases to deposits | 24.4240% | 4,541 |
| Net loans and leases to core deposits | 24.4240% | 4,540 |
| Total domestic deposits to total assets | 95.9400% | 82 |
| Equity capital to assets | 4.0317% | 4,515 |
| Core capital (leverage) ratio | 7.4889% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6269% | 878 |
| Memoranda: | ||
| Average total assets | $34,665,600 | 4,579 |
| Average earning assets | $31,767,800 | 4,558 |
| Average equity | $1,656,800 | 4,692 |
| Average total loans | $8,170,000 | 4,584 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4996% | 4,441 |
| Cost of funding earning assets | 0.1212% | 4,116 |
| Net interest margin | 2.3784% | 4,349 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.5362% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0460% | 4,613 |
| Return on assets (ROA) | -0.0460% | 4,589 |
| Pretax return on assets | -0.0460% | 4,583 |
| Return on Equity (ROE) | -0.9200% | 4,587 |
| Retained earnings to average equity (ytd only) | -0.9216% | 4,418 |
| Net charge-offs to loans | -0.6203% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 101.8462% | 143 |
| Assets per employee ($millions) | 3.3539% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4430% | 247 |
| Loan loss allowance to noncurrent loans | 104.5000% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 891 |
| Noncurrent loans to loans | 2.3378% | 238 |
| Net loans and leases to total assets | 24.8800% | 4,529 |
| Net loans and leases to deposits | 25.8230% | 4,565 |
| Net loans and leases to core deposits | 25.8230% | 4,561 |
| Total domestic deposits to total assets | 96.3700% | 104 |
| Equity capital to assets | 3.6197% | 4,531 |
| Core capital (leverage) ratio | 7.1628% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6486% | 1,054 |
| Memoranda: | ||
| Average total assets | $34,802,500 | 4,615 |
| Average earning assets | $31,897,750 | 4,590 |
| Average equity | $1,736,000 | 4,727 |
| Average total loans | $8,168,250 | 4,620 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2870% | 4,530 |
| Cost of funding earning assets | 0.1178% | 3,988 |
| Net interest margin | 2.1692% | 4,474 |
| Noninterest income to average assets | 0.2896% | 3,435 |
| Noninterest expense to average assets | 2.5835% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3066% | 4,655 |
| Return on assets (ROA) | -0.3066% | 4,633 |
| Pretax return on assets | -0.3066% | 4,623 |
| Return on Equity (ROE) | -5.6545% | 4,687 |
| Retained earnings to average equity (ytd only) | -5.6545% | 4,561 |
| Net charge-offs to loans | -0.7215% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4663% | 104 |
| Assets per employee ($millions) | 3.6245% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4222% | 283 |
| Loan loss allowance to noncurrent loans | 102.5641% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 1,056 |
| Noncurrent loans to loans | 2.3616% | 254 |
| Net loans and leases to total assets | 22.2293% | 4,627 |
| Net loans and leases to deposits | 23.2331% | 4,652 |
| Net loans and leases to core deposits | 23.2331% | 4,656 |
| Total domestic deposits to total assets | 95.6794% | 99 |
| Equity capital to assets | 4.1799% | 4,604 |
| Core capital (leverage) ratio | 6.8365% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9169% | 1,003 |
| Memoranda: | ||
| Average total assets | $35,223,667 | 4,648 |
| Average earning assets | $32,269,333 | 4,638 |
| Average equity | $1,910,000 | 4,749 |
| Average total loans | $8,039,333 | 4,686 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2651% | 4,481 |
| Cost of funding earning assets | 0.1258% | 3,826 |
| Net interest margin | 2.1393% | 4,406 |
| Noninterest income to average assets | 0.2650% | 3,534 |
| Noninterest expense to average assets | 2.7540% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5301% | 4,704 |
| Return on assets (ROA) | -0.5301% | 4,693 |
| Pretax return on assets | -0.5301% | 4,681 |
| Return on Equity (ROE) | -8.7307% | 4,734 |
| Retained earnings to average equity (ytd only) | -8.7307% | 4,537 |
| Net charge-offs to loans | -0.1513% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8342% | 78 |
| Assets per employee ($millions) | 3.5545% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 351 |
| Loan loss allowance to noncurrent loans | 59.7938% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 669 |
| Noncurrent loans to loans | 3.9045% | 104 |
| Net loans and leases to total assets | 20.4783% | 4,661 |
| Net loans and leases to deposits | 21.5821% | 4,682 |
| Net loans and leases to core deposits | 21.5821% | 4,690 |
| Total domestic deposits to total assets | 94.8854% | 45 |
| Equity capital to assets | 4.9655% | 4,726 |
| Core capital (leverage) ratio | 7.0063% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8362% | 926 |
| Memoranda: | ||
| Average total assets | $34,713,000 | 4,678 |
| Average earning assets | $31,786,500 | 4,672 |
| Average equity | $2,107,500 | 4,765 |
| Average total loans | $7,930,500 | 4,712 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8134% | 4,185 |
| Cost of funding earning assets | 0.1514% | 3,958 |
| Net interest margin | 2.6621% | 3,940 |
| Noninterest income to average assets | 0.4976% | 2,578 |
| Noninterest expense to average assets | 3.0729% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1357% | 4,714 |
| Return on assets (ROA) | -0.1357% | 4,718 |
| Pretax return on assets | -0.1357% | 4,717 |
| Return on Equity (ROE) | -1.7396% | 4,727 |
| Retained earnings to average equity (ytd only) | -1.7396% | 4,612 |
| Net charge-offs to loans | 0.0837% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -5.6250% | 2,673 |
| Efficiency ratio | 104.6201% | 116 |
| Assets per employee ($millions) | 3.3881% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0338% | 573 |
| Loan loss allowance to noncurrent loans | 71.2500% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 887 |
| Noncurrent loans to loans | 2.8544% | 212 |
| Net loans and leases to total assets | 24.3116% | 4,658 |
| Net loans and leases to deposits | 26.2509% | 4,687 |
| Net loans and leases to core deposits | 26.2509% | 4,697 |
| Total domestic deposits to total assets | 92.6124% | 79 |
| Equity capital to assets | 7.2312% | 4,669 |
| Core capital (leverage) ratio | 7.2921% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7500% | 932 |
| Memoranda: | ||
| Average total assets | $33,160,400 | 4,723 |
| Average earning assets | $30,389,800 | 4,714 |
| Average equity | $2,586,800 | 4,781 |
| Average total loans | $9,557,200 | 4,733 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2861% | 4,680 |
| Cost of funding earning assets | 0.1542% | 4,075 |
| Net interest margin | 2.1319% | 4,609 |
| Noninterest income to average assets | 1.1845% | 811 |
| Noninterest expense to average assets | 2.8299% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3113% | 4,505 |
| Return on assets (ROA) | 0.3113% | 4,528 |
| Pretax return on assets | 0.3113% | 4,581 |
| Return on Equity (ROE) | 3.9170% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.9170% | 3,601 |
| Net charge-offs to loans | 0.1490% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,156 |
| Efficiency ratio | 90.0901% | 319 |
| Assets per employee ($millions) | 3.2691% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 764 |
| Loan loss allowance to noncurrent loans | 108.3871% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 1,603 |
| Noncurrent loans to loans | 1.7558% | 560 |
| Net loans and leases to total assets | 26.4905% | 4,689 |
| Net loans and leases to deposits | 28.8263% | 4,725 |
| Net loans and leases to core deposits | 28.8263% | 4,746 |
| Total domestic deposits to total assets | 91.8969% | 147 |
| Equity capital to assets | 8.0817% | 4,474 |
| Core capital (leverage) ratio | 8.0709% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6686% | 866 |
| Memoranda: | ||
| Average total assets | $32,980,250 | 4,793 |
| Average earning assets | $30,269,000 | 4,785 |
| Average equity | $2,621,000 | 4,852 |
| Average total loans | $9,844,500 | 4,803 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2910% | 4,729 |
| Cost of funding earning assets | 0.1646% | 4,088 |
| Net interest margin | 2.1264% | 4,643 |
| Noninterest income to average assets | 1.6023% | 485 |
| Noninterest expense to average assets | 2.9689% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5865% | 4,009 |
| Return on assets (ROA) | 0.5865% | 4,064 |
| Pretax return on assets | 0.5865% | 4,257 |
| Return on Equity (ROE) | 7.4216% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.4216% | 2,281 |
| Net charge-offs to loans | 0.2946% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 1,956 |
| Efficiency ratio | 83.5034% | 578 |
| Assets per employee ($millions) | 3.3927% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,240 |
| Loan loss allowance to noncurrent loans | 160.7843% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 2,418 |
| Noncurrent loans to loans | 1.0042% | 1,224 |
| Net loans and leases to total assets | 29.4544% | 4,664 |
| Net loans and leases to deposits | 31.9715% | 4,726 |
| Net loans and leases to core deposits | 31.9715% | 4,747 |
| Total domestic deposits to total assets | 92.1272% | 105 |
| Equity capital to assets | 7.8551% | 4,600 |
| Core capital (leverage) ratio | 7.8766% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1995% | 927 |
| Memoranda: | ||
| Average total assets | $33,076,667 | 4,825 |
| Average earning assets | $30,379,333 | 4,814 |
| Average equity | $2,614,000 | 4,886 |
| Average total loans | $10,183,333 | 4,835 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3164% | 4,754 |
| Cost of funding earning assets | 0.1731% | 4,137 |
| Net interest margin | 2.1433% | 4,657 |
| Noninterest income to average assets | 1.4088% | 671 |
| Noninterest expense to average assets | 3.0259% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3553% | 4,437 |
| Return on assets (ROA) | 0.3553% | 4,466 |
| Pretax return on assets | 0.3553% | 4,545 |
| Return on Equity (ROE) | 4.4814% | 4,194 |
| Retained earnings to average equity (ytd only) | 4.4814% | 3,369 |
| Net charge-offs to loans | -0.8238% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4928% | 385 |
| Assets per employee ($millions) | 3.4103% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 593 |
| Loan loss allowance to noncurrent loans | 120.4819% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 1,929 |
| Noncurrent loans to loans | 1.6653% | 722 |
| Net loans and leases to total assets | 28.6426% | 4,734 |
| Net loans and leases to deposits | 31.0135% | 4,782 |
| Net loans and leases to core deposits | 31.0135% | 4,800 |
| Total domestic deposits to total assets | 92.3555% | 90 |
| Equity capital to assets | 7.6152% | 4,670 |
| Core capital (leverage) ratio | 7.8488% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6118% | 1,142 |
| Memoranda: | ||
| Average total assets | $32,651,500 | 4,851 |
| Average earning assets | $30,046,500 | 4,838 |
| Average equity | $2,588,500 | 4,912 |
| Average total loans | $10,196,500 | 4,857 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 4,302 |
| Cost of funding earning assets | 0.2910% | 4,195 |
| Net interest margin | 3.0276% | 3,826 |
| Noninterest income to average assets | 0.3454% | 3,397 |
| Noninterest expense to average assets | 3.1767% | 1,098 |
| Loan and lease loss provision to assets | 0.0855% | 3,302 |
| Net operating income to assets | -0.2838% | 4,832 |
| Return on assets (ROA) | -0.2838% | 4,848 |
| Pretax return on assets | -0.2838% | 4,840 |
| Return on Equity (ROE) | -3.0961% | 4,869 |
| Retained earnings to average equity (ytd only) | -6.8263% | 4,870 |
| Net charge-offs to loans | 0.4703% | 350 |
| Credit loss provision to net charge-offs | 47.1698% | 3,157 |
| Earnings coverage of net charge-offs (x) | -1.0943% | 3,353 |
| Efficiency ratio | 106.6590% | 132 |
| Assets per employee ($millions) | 3.1200% | 4,786 |
| Cash dividends to net income (ytd only)* | -120.4819% | 4,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 1,002 |
| Loan loss allowance to noncurrent loans | 101.1299% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 1,856 |
| Noncurrent loans to loans | 1.6978% | 752 |
| Net loans and leases to total assets | 32.8397% | 4,683 |
| Net loans and leases to deposits | 35.8678% | 4,749 |
| Net loans and leases to core deposits | 35.8678% | 4,780 |
| Total domestic deposits to total assets | 91.5577% | 125 |
| Equity capital to assets | 8.2692% | 4,588 |
| Core capital (leverage) ratio | 8.2089% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0285% | 1,052 |
| Memoranda: | ||
| Average total assets | $29,244,600 | 4,884 |
| Average earning assets | $25,432,800 | 4,877 |
| Average equity | $2,680,800 | 4,927 |
| Average total loans | $11,269,600 | 4,870 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,134 |
| Cost of funding earning assets | 0.3244% | 4,193 |
| Net interest margin | 3.2173% | 3,439 |
| Noninterest income to average assets | 0.3477% | 3,382 |
| Noninterest expense to average assets | 3.0555% | 1,327 |
| Loan and lease loss provision to assets | 0.1148% | 2,888 |
| Net operating income to assets | -0.0649% | 4,798 |
| Return on assets (ROA) | -0.0649% | 4,816 |
| Pretax return on assets | -0.0649% | 4,808 |
| Return on Equity (ROE) | -0.6898% | 4,822 |
| Retained earnings to average equity (ytd only) | -5.6170% | 4,855 |
| Net charge-offs to loans | 0.6736% | 213 |
| Credit loss provision to net charge-offs | 43.1034% | 2,913 |
| Earnings coverage of net charge-offs (x) | 0.1897% | 3,140 |
| Efficiency ratio | 98.3582% | 188 |
| Assets per employee ($millions) | 3.0032% | 4,840 |
| Cash dividends to net income (ytd only)* | -714.2857% | 5,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,149 |
| Loan loss allowance to noncurrent loans | 139.2000% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 2,503 |
| Noncurrent loans to loans | 1.1371% | 1,336 |
| Net loans and leases to total assets | 36.0249% | 4,683 |
| Net loans and leases to deposits | 39.5316% | 4,762 |
| Net loans and leases to core deposits | 39.5316% | 4,792 |
| Total domestic deposits to total assets | 91.1295% | 148 |
| Equity capital to assets | 8.8273% | 4,235 |
| Core capital (leverage) ratio | 8.9133% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9663% | 918 |
| Memoranda: | ||
| Average total assets | $28,755,750 | 4,919 |
| Average earning assets | $24,658,000 | 4,916 |
| Average equity | $2,706,000 | 4,953 |
| Average total loans | $11,480,750 | 4,899 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,244 |
| Cost of funding earning assets | 0.3579% | 4,234 |
| Net interest margin | 3.2538% | 3,510 |
| Noninterest income to average assets | 0.3318% | 3,480 |
| Noninterest expense to average assets | 3.1486% | 1,246 |
| Loan and lease loss provision to assets | 0.1765% | 2,251 |
| Net operating income to assets | -0.1694% | 4,856 |
| Return on assets (ROA) | -0.1694% | 4,856 |
| Pretax return on assets | -0.1694% | 4,841 |
| Return on Equity (ROE) | -1.7619% | 4,867 |
| Retained earnings to average equity (ytd only) | -9.1031% | 4,901 |
| Net charge-offs to loans | 0.7730% | 202 |
| Credit loss provision to net charge-offs | 55.5556% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.0222% | 2,938 |
| Efficiency ratio | 99.7763% | 188 |
| Assets per employee ($millions) | 3.0049% | 4,854 |
| Cash dividends to net income (ytd only)* | -416.6667% | 5,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 971 |
| Loan loss allowance to noncurrent loans | 82.0175% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 1,633 |
| Noncurrent loans to loans | 1.9693% | 694 |
| Net loans and leases to total assets | 37.9081% | 4,670 |
| Net loans and leases to deposits | 41.5836% | 4,756 |
| Net loans and leases to core deposits | 41.5836% | 4,803 |
| Total domestic deposits to total assets | 91.1611% | 119 |
| Equity capital to assets | 8.7923% | 4,273 |
| Core capital (leverage) ratio | 8.9947% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6360% | 1,104 |
| Memoranda: | ||
| Average total assets | $28,330,333 | 4,950 |
| Average earning assets | $24,586,333 | 4,946 |
| Average equity | $2,724,333 | 4,985 |
| Average total loans | $11,643,333 | 4,927 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,900 |
| Cost of funding earning assets | 0.3509% | 4,514 |
| Net interest margin | 3.6096% | 2,628 |
| Noninterest income to average assets | 0.3931% | 3,153 |
| Noninterest expense to average assets | 3.3927% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1456% | 4,603 |
| Return on assets (ROA) | 0.1456% | 4,609 |
| Pretax return on assets | 0.1456% | 4,626 |
| Return on Equity (ROE) | 1.4464% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.4464% | 3,616 |
| Net charge-offs to loans | 1.0620% | 146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.3226% | 2,475 |
| Efficiency ratio | 95.8848% | 331 |
| Assets per employee ($millions) | 2.7837% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,107 |
| Loan loss allowance to noncurrent loans | 68.4825% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 1,443 |
| Noncurrent loans to loans | 2.3149% | 543 |
| Net loans and leases to total assets | 39.2499% | 4,693 |
| Net loans and leases to deposits | 43.6098% | 4,770 |
| Net loans and leases to core deposits | 43.6098% | 4,815 |
| Total domestic deposits to total assets | 90.0025% | 321 |
| Equity capital to assets | 9.9544% | 3,831 |
| Core capital (leverage) ratio | 10.6489% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6498% | 908 |
| Memoranda: | ||
| Average total assets | $27,471,000 | 4,996 |
| Average earning assets | $23,936,500 | 4,996 |
| Average equity | $2,765,500 | 5,027 |
| Average total loans | $11,676,000 | 4,969 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 3,521 |
| Cost of funding earning assets | 0.3101% | 4,708 |
| Net interest margin | 3.9983% | 1,865 |
| Noninterest income to average assets | 0.4176% | 3,193 |
| Noninterest expense to average assets | 3.4331% | 1,054 |
| Loan and lease loss provision to assets | 0.0924% | 2,186 |
| Net operating income to assets | 0.4176% | 4,568 |
| Return on assets (ROA) | 0.4176% | 4,600 |
| Pretax return on assets | 0.4176% | 4,684 |
| Return on Equity (ROE) | 4.1520% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.1520% | 2,885 |
| Net charge-offs to loans | -0.2536% | 5,077 |
| Credit loss provision to net charge-offs | -78.1250% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0665% | 485 |
| Assets per employee ($millions) | 2.7105% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 819 |
| Loan loss allowance to noncurrent loans | 165.6000% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 2,562 |
| Noncurrent loans to loans | 1.0204% | 1,487 |
| Net loans and leases to total assets | 44.4309% | 4,585 |
| Net loans and leases to deposits | 49.5821% | 4,698 |
| Net loans and leases to core deposits | 49.5821% | 4,764 |
| Total domestic deposits to total assets | 89.6108% | 458 |
| Equity capital to assets | 10.1826% | 3,748 |
| Core capital (leverage) ratio | 10.0651% | 3,441 |
| Tier 1 risk-based capital ratio | 17.4744% | 1,902 |
| Total risk-based capital ratio | 18.7258% | 1,854 |
| Memoranda: | ||
| Average total assets | $27,060,200 | 5,055 |
| Average earning assets | $23,860,400 | 5,056 |
| Average equity | $2,721,600 | 5,086 |
| Average total loans | $12,616,800 | 5,017 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 3,702 |
| Cost of funding earning assets | 0.2949% | 4,808 |
| Net interest margin | 3.9904% | 1,970 |
| Noninterest income to average assets | 0.4289% | 3,154 |
| Noninterest expense to average assets | 3.1251% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8380% | 3,552 |
| Return on assets (ROA) | 0.8380% | 3,634 |
| Pretax return on assets | 0.8380% | 4,039 |
| Return on Equity (ROE) | 8.3577% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.3577% | 1,263 |
| Net charge-offs to loans | -0.3882% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8557% | 1,032 |
| Assets per employee ($millions) | 2.6647% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,716 |
| Loan loss allowance to noncurrent loans | 70.3008% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 1,346 |
| Noncurrent loans to loans | 1.9374% | 716 |
| Net loans and leases to total assets | 50.8237% | 4,380 |
| Net loans and leases to deposits | 56.8484% | 4,521 |
| Net loans and leases to core deposits | 56.8484% | 4,664 |
| Total domestic deposits to total assets | 89.4022% | 479 |
| Equity capital to assets | 10.5565% | 3,499 |
| Core capital (leverage) ratio | 10.3857% | 3,217 |
| Tier 1 risk-based capital ratio | 16.6815% | 2,194 |
| Total risk-based capital ratio | 17.7880% | 2,186 |
| Memoranda: | ||
| Average total assets | $27,049,000 | 5,132 |
| Average earning assets | $23,957,250 | 5,130 |
| Average equity | $2,712,000 | 5,164 |
| Average total loans | $12,708,500 | 5,096 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 4,010 |
| Cost of funding earning assets | 0.2660% | 4,912 |
| Net interest margin | 3.8979% | 2,249 |
| Noninterest income to average assets | 0.4047% | 3,246 |
| Noninterest expense to average assets | 3.1932% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6622% | 4,121 |
| Return on assets (ROA) | 0.6622% | 4,177 |
| Pretax return on assets | 0.6622% | 4,417 |
| Return on Equity (ROE) | 6.7206% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.7206% | 1,939 |
| Net charge-offs to loans | -1.4877% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8244% | 743 |
| Assets per employee ($millions) | 2.7895% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 549 |
| Loan loss allowance to noncurrent loans | 107.5556% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 1,744 |
| Noncurrent loans to loans | 1.7778% | 848 |
| Net loans and leases to total assets | 44.5026% | 4,699 |
| Net loans and leases to deposits | 49.3481% | 4,824 |
| Net loans and leases to core deposits | 49.3481% | 4,880 |
| Total domestic deposits to total assets | 90.1810% | 292 |
| Equity capital to assets | 9.7831% | 4,153 |
| Core capital (leverage) ratio | 10.0412% | 3,543 |
| Tier 1 risk-based capital ratio | 16.8949% | 2,118 |
| Total risk-based capital ratio | 18.1463% | 2,059 |
| Memoranda: | ||
| Average total assets | $27,183,000 | 5,177 |
| Average earning assets | $24,064,330 | 5,175 |
| Average equity | $2,678,330 | 5,207 |
| Average total loans | $12,368,000 | 5,147 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 4,274 |
| Cost of funding earning assets | 0.2359% | 5,022 |
| Net interest margin | 3.8085% | 2,494 |
| Noninterest income to average assets | 0.3877% | 3,273 |
| Noninterest expense to average assets | 3.2505% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5070% | 4,503 |
| Return on assets (ROA) | 0.5070% | 4,523 |
| Pretax return on assets | 0.5070% | 4,668 |
| Return on Equity (ROE) | 5.1263% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.1263% | 2,851 |
| Net charge-offs to loans | -0.0654% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5079% | 548 |
| Assets per employee ($millions) | 2.7382% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,171 |
| Loan loss allowance to noncurrent loans | 47.7987% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 1,163 |
| Noncurrent loans to loans | 2.6835% | 456 |
| Net loans and leases to total assets | 42.7215% | 4,802 |
| Net loans and leases to deposits | 47.4468% | 4,886 |
| Net loans and leases to core deposits | 47.4468% | 4,950 |
| Total domestic deposits to total assets | 90.0409% | 432 |
| Equity capital to assets | 9.7546% | 4,040 |
| Core capital (leverage) ratio | 9.9754% | 3,631 |
| Tier 1 risk-based capital ratio | 17.3791% | 1,983 |
| Total risk-based capital ratio | 18.3616% | 2,020 |
| Memoranda: | ||
| Average total assets | $26,827,000 | 5,234 |
| Average earning assets | $23,736,500 | 5,232 |
| Average equity | $2,653,000 | 5,265 |
| Average total loans | $12,224,000 | 5,205 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 3,582 |
| Cost of funding earning assets | 0.1851% | 5,059 |
| Net interest margin | 3.9656% | 2,108 |
| Noninterest income to average assets | 0.5949% | 2,324 |
| Noninterest expense to average assets | 3.5353% | 956 |
| Loan and lease loss provision to assets | 0.0947% | 2,260 |
| Net operating income to assets | 0.4547% | 4,757 |
| Return on assets (ROA) | 0.4017% | 4,853 |
| Pretax return on assets | 0.4017% | 4,931 |
| Return on Equity (ROE) | 4.0936% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.0936% | 3,305 |
| Net charge-offs to loans | 0.1700% | 1,130 |
| Credit loss provision to net charge-offs | 119.0476% | 2,183 |
| Earnings coverage of net charge-offs (x) | 6.9048% | 3,038 |
| Efficiency ratio | 86.5492% | 498 |
| Assets per employee ($millions) | 2.6272% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,622 |
| Loan loss allowance to noncurrent loans | 67.8733% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8412% | 1,661 |
| Noncurrent loans to loans | 1.7542% | 812 |
| Net loans and leases to total assets | 47.3812% | 4,678 |
| Net loans and leases to deposits | 52.7927% | 4,797 |
| Net loans and leases to core deposits | 52.7927% | 4,878 |
| Total domestic deposits to total assets | 89.7495% | 556 |
| Equity capital to assets | 10.0297% | 3,658 |
| Core capital (leverage) ratio | 10.1989% | 3,356 |
| Tier 1 risk-based capital ratio | 16.6372% | 2,190 |
| Total risk-based capital ratio | 17.5843% | 2,238 |
| Memoranda: | ||
| Average total assets | $26,390,800 | 5,287 |
| Average earning assets | $23,224,600 | 5,284 |
| Average equity | $2,589,400 | 5,314 |
| Average total loans | $12,353,400 | 5,244 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 4,105 |
| Cost of funding earning assets | 0.1775% | 5,106 |
| Net interest margin | 3.7626% | 2,782 |
| Noninterest income to average assets | 0.4996% | 2,870 |
| Noninterest expense to average assets | 3.2197% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5955% | 4,515 |
| Return on assets (ROA) | 0.5803% | 4,562 |
| Pretax return on assets | 0.5803% | 4,759 |
| Return on Equity (ROE) | 5.9476% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.9476% | 2,683 |
| Net charge-offs to loans | 0.0651% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.6663% | 1,991 |
| Efficiency ratio | 84.3915% | 624 |
| Assets per employee ($millions) | 2.5183% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,278 |
| Loan loss allowance to noncurrent loans | 60.6061% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 1,610 |
| Noncurrent loans to loans | 1.7906% | 857 |
| Net loans and leases to total assets | 50.6731% | 4,548 |
| Net loans and leases to deposits | 56.6300% | 4,716 |
| Net loans and leases to core deposits | 56.6300% | 4,829 |
| Total domestic deposits to total assets | 89.4810% | 682 |
| Equity capital to assets | 10.4912% | 3,152 |
| Core capital (leverage) ratio | 10.2705% | 3,332 |
| Tier 1 risk-based capital ratio | 16.8000% | 2,169 |
| Total risk-based capital ratio | 17.6952% | 2,232 |
| Memoranda: | ||
| Average total assets | $26,420,500 | 5,354 |
| Average earning assets | $23,281,250 | 5,350 |
| Average equity | $2,578,000 | 5,385 |
| Average total loans | $12,292,250 | 5,310 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7939% | 4,358 |
| Cost of funding earning assets | 0.1774% | 5,119 |
| Net interest margin | 3.6164% | 3,251 |
| Noninterest income to average assets | 0.5068% | 2,821 |
| Noninterest expense to average assets | 3.2050% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4919% | 4,767 |
| Return on assets (ROA) | 0.4696% | 4,826 |
| Pretax return on assets | 0.4696% | 4,956 |
| Return on Equity (ROE) | 4.9283% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.9283% | 3,113 |
| Net charge-offs to loans | 0.1654% | 939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,609 |
| Efficiency ratio | 86.6935% | 535 |
| Assets per employee ($millions) | 2.6726% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,247 |
| Loan loss allowance to noncurrent loans | 103.8168% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 2,794 |
| Noncurrent loans to loans | 1.0613% | 1,661 |
| Net loans and leases to total assets | 45.6746% | 4,839 |
| Net loans and leases to deposits | 50.5927% | 4,962 |
| Net loans and leases to core deposits | 50.5927% | 5,030 |
| Total domestic deposits to total assets | 90.2791% | 472 |
| Equity capital to assets | 9.6909% | 3,926 |
| Core capital (leverage) ratio | 9.6889% | 3,903 |
| Tier 1 risk-based capital ratio | 16.7171% | 2,191 |
| Total risk-based capital ratio | 17.5936% | 2,258 |
| Memoranda: | ||
| Average total assets | $26,833,000 | 5,411 |
| Average earning assets | $23,669,670 | 5,407 |
| Average equity | $2,556,670 | 5,448 |
| Average total loans | $12,089,330 | 5,373 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 4,027 |
| Cost of funding earning assets | 0.1866% | 5,093 |
| Net interest margin | 3.6806% | 2,880 |
| Noninterest income to average assets | 0.4166% | 3,340 |
| Noninterest expense to average assets | 3.2284% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4166% | 4,898 |
| Return on assets (ROA) | 0.4166% | 4,902 |
| Pretax return on assets | 0.4166% | 5,011 |
| Return on Equity (ROE) | 4.4094% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.4094% | 3,429 |
| Net charge-offs to loans | 0.0334% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,285 |
| Efficiency ratio | 88.5714% | 503 |
| Assets per employee ($millions) | 2.7119% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,292 |
| Loan loss allowance to noncurrent loans | 85.2941% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 2,437 |
| Noncurrent loans to loans | 1.5125% | 1,166 |
| Net loans and leases to total assets | 40.9123% | 5,034 |
| Net loans and leases to deposits | 45.1769% | 5,124 |
| Net loans and leases to core deposits | 45.1769% | 5,182 |
| Total domestic deposits to total assets | 90.5601% | 455 |
| Equity capital to assets | 9.4141% | 4,168 |
| Core capital (leverage) ratio | 9.4266% | 4,152 |
| Tier 1 risk-based capital ratio | 17.4684% | 1,986 |
| Total risk-based capital ratio | 18.4605% | 2,010 |
| Memoranda: | ||
| Average total assets | $26,886,500 | 5,469 |
| Average earning assets | $23,583,000 | 5,471 |
| Average equity | $2,540,000 | 5,509 |
| Average total loans | $11,962,500 | 5,440 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,236 |
| Cost of funding earning assets | 0.1777% | 5,109 |
| Net interest margin | 3.5659% | 3,281 |
| Noninterest income to average assets | 0.4574% | 3,262 |
| Noninterest expense to average assets | 3.2342% | 1,541 |
| Loan and lease loss provision to assets | 0.1261% | 1,816 |
| Net operating income to assets | 0.2773% | 4,968 |
| Return on assets (ROA) | 0.2773% | 4,986 |
| Pretax return on assets | 0.2773% | 5,232 |
| Return on Equity (ROE) | 3.0568% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.0568% | 3,476 |
| Net charge-offs to loans | 0.7239% | 291 |
| Credit loss provision to net charge-offs | 35.7143% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 3,923 |
| Efficiency ratio | 88.9109% | 480 |
| Assets per employee ($millions) | 2.6654% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,057 |
| Loan loss allowance to noncurrent loans | 178.0488% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,654 |
| Noncurrent loans to loans | 0.6464% | 2,606 |
| Net loans and leases to total assets | 47.0436% | 4,828 |
| Net loans and leases to deposits | 52.0917% | 4,980 |
| Net loans and leases to core deposits | 52.0917% | 5,064 |
| Total domestic deposits to total assets | 90.3091% | 466 |
| Equity capital to assets | 9.4808% | 4,244 |
| Core capital (leverage) ratio | 9.3539% | 4,223 |
| Tier 1 risk-based capital ratio | 16.0852% | 2,400 |
| Total risk-based capital ratio | 17.0164% | 2,466 |
| Memoranda: | ||
| Average total assets | $27,765,800 | 5,521 |
| Average earning assets | $24,762,200 | 5,514 |
| Average equity | $2,519,000 | 5,569 |
| Average total loans | $13,538,000 | 5,477 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 4,326 |
| Cost of funding earning assets | 0.1799% | 5,140 |
| Net interest margin | 3.5182% | 3,433 |
| Noninterest income to average assets | 0.4897% | 3,088 |
| Noninterest expense to average assets | 2.9287% | 2,309 |
| Loan and lease loss provision to assets | 0.1664% | 1,218 |
| Net operating income to assets | 0.5563% | 4,551 |
| Return on assets (ROA) | 0.5563% | 4,590 |
| Pretax return on assets | 0.5563% | 4,914 |
| Return on Equity (ROE) | 6.1979% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.1979% | 2,107 |
| Net charge-offs to loans | 0.9793% | 176 |
| Credit loss provision to net charge-offs | 34.6535% | 3,044 |
| Earnings coverage of net charge-offs (x) | 1.5050% | 3,567 |
| Efficiency ratio | 80.2083% | 1,078 |
| Assets per employee ($millions) | 2.6562% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,713 |
| Loan loss allowance to noncurrent loans | 78.1421% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 2,438 |
| Noncurrent loans to loans | 1.3606% | 1,383 |
| Net loans and leases to total assets | 50.0979% | 4,692 |
| Net loans and leases to deposits | 55.4898% | 4,893 |
| Net loans and leases to core deposits | 55.4898% | 5,017 |
| Total domestic deposits to total assets | 90.2831% | 381 |
| Equity capital to assets | 9.6905% | 4,252 |
| Core capital (leverage) ratio | 9.6128% | 4,026 |
| Tier 1 risk-based capital ratio | 15.8053% | 2,582 |
| Total risk-based capital ratio | 16.6841% | 2,678 |
| Memoranda: | ||
| Average total assets | $28,043,750 | 5,577 |
| Average earning assets | $25,201,500 | 5,569 |
| Average equity | $2,517,000 | 5,630 |
| Average total loans | $13,751,250 | 5,531 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,294 |
| Cost of funding earning assets | 0.1791% | 5,146 |
| Net interest margin | 3.4972% | 3,410 |
| Noninterest income to average assets | 0.4065% | 3,651 |
| Noninterest expense to average assets | 2.8594% | 2,547 |
| Loan and lease loss provision to assets | 0.0701% | 2,573 |
| Net operating income to assets | 0.6237% | 4,191 |
| Return on assets (ROA) | 0.6237% | 4,241 |
| Pretax return on assets | 0.6237% | 4,753 |
| Return on Equity (ROE) | 7.1257% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.1257% | 1,526 |
| Net charge-offs to loans | 1.1984% | 164 |
| Credit loss provision to net charge-offs | 12.0482% | 2,837 |
| Earnings coverage of net charge-offs (x) | 1.1928% | 3,311 |
| Efficiency ratio | 80.4734% | 1,162 |
| Assets per employee ($millions) | 3.9229% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,080 |
| Loan loss allowance to noncurrent loans | 93.1507% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 2,995 |
| Noncurrent loans to loans | 1.0843% | 1,812 |
| Net loans and leases to total assets | 48.5397% | 4,791 |
| Net loans and leases to deposits | 53.5172% | 4,989 |
| Net loans and leases to core deposits | 53.5172% | 5,107 |
| Total domestic deposits to total assets | 90.6992% | 300 |
| Equity capital to assets | 9.2753% | 4,646 |
| Core capital (leverage) ratio | 8.9802% | 4,746 |
| Tier 1 risk-based capital ratio | 15.5230% | 2,699 |
| Total risk-based capital ratio | 16.3525% | 2,818 |
| Memoranda: | ||
| Average total assets | $28,537,670 | 5,614 |
| Average earning assets | $25,678,000 | 5,605 |
| Average equity | $2,498,000 | 5,681 |
| Average total loans | $13,851,670 | 5,575 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 4,561 |
| Cost of funding earning assets | 0.1674% | 5,249 |
| Net interest margin | 3.3782% | 3,723 |
| Noninterest income to average assets | 0.4265% | 3,470 |
| Noninterest expense to average assets | 2.8752% | 2,534 |
| Loan and lease loss provision to assets | 0.1376% | 1,384 |
| Net operating income to assets | 0.4677% | 4,716 |
| Return on assets (ROA) | 0.4677% | 4,738 |
| Pretax return on assets | 0.4677% | 5,022 |
| Return on Equity (ROE) | 5.4983% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,598 |
| Net charge-offs to loans | -0.0285% | 4,906 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6087% | 1,102 |
| Assets per employee ($millions) | 4.2536% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,344 |
| Loan loss allowance to noncurrent loans | 158.2734% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 3,343 |
| Noncurrent loans to loans | 1.0200% | 2,013 |
| Net loans and leases to total assets | 45.0311% | 4,983 |
| Net loans and leases to deposits | 49.2380% | 5,168 |
| Net loans and leases to core deposits | 49.2380% | 5,257 |
| Total domestic deposits to total assets | 91.4559% | 180 |
| Equity capital to assets | 8.3694% | 5,320 |
| Core capital (leverage) ratio | 8.4139% | 5,288 |
| Tier 1 risk-based capital ratio | 14.6583% | 3,135 |
| Total risk-based capital ratio | 15.9063% | 3,064 |
| Memoranda: | ||
| Average total assets | $29,076,500 | 5,676 |
| Average earning assets | $26,286,000 | 5,668 |
| Average equity | $2,473,500 | 5,745 |
| Average total loans | $14,045,000 | 5,634 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,409 |
| Cost of funding earning assets | 0.1796% | 5,220 |
| Net interest margin | 3.7635% | 2,454 |
| Noninterest income to average assets | 0.5238% | 3,073 |
| Noninterest expense to average assets | 3.2965% | 1,584 |
| Loan and lease loss provision to assets | 0.1795% | 1,333 |
| Net operating income to assets | 0.3480% | 5,086 |
| Return on assets (ROA) | 0.3480% | 5,171 |
| Pretax return on assets | 0.3480% | 5,302 |
| Return on Equity (ROE) | 3.8107% | 4,897 |
| Retained earnings to average equity (ytd only) | -0.2006% | 5,336 |
| Net charge-offs to loans | -0.0544% | 5,419 |
| Credit loss provision to net charge-offs | -612.5000% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 807 |
| Assets per employee ($millions) | 4.0540% | 3,863 |
| Cash dividends to net income (ytd only)* | 105.2632% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,894 |
| Loan loss allowance to noncurrent loans | 204.9020% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 3,844 |
| Noncurrent loans to loans | 0.7053% | 2,770 |
| Net loans and leases to total assets | 50.2255% | 4,753 |
| Net loans and leases to deposits | 55.0904% | 4,963 |
| Net loans and leases to core deposits | 55.0904% | 5,095 |
| Total domestic deposits to total assets | 91.1692% | 231 |
| Equity capital to assets | 8.6511% | 5,147 |
| Core capital (leverage) ratio | 8.5761% | 5,189 |
| Tier 1 risk-based capital ratio | 14.1027% | 3,412 |
| Total risk-based capital ratio | 15.3033% | 3,349 |
| Memoranda: | ||
| Average total assets | $27,301,600 | 5,755 |
| Average earning assets | $23,940,600 | 5,747 |
| Average equity | $2,493,000 | 5,800 |
| Average total loans | $14,716,400 | 5,668 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,419 |
| Cost of funding earning assets | 0.1809% | 5,258 |
| Net interest margin | 3.7693% | 2,455 |
| Noninterest income to average assets | 0.5425% | 2,956 |
| Noninterest expense to average assets | 2.9297% | 2,545 |
| Loan and lease loss provision to assets | 0.2417% | 791 |
| Net operating income to assets | 0.6609% | 4,032 |
| Return on assets (ROA) | 0.6609% | 4,155 |
| Pretax return on assets | 0.6609% | 4,711 |
| Return on Equity (ROE) | 7.1393% | 3,483 |
| Retained earnings to average equity (ytd only) | 1.8114% | 4,779 |
| Net charge-offs to loans | -0.1083% | 5,602 |
| Credit loss provision to net charge-offs | -408.3333% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4479% | 1,912 |
| Assets per employee ($millions) | 3.9054% | 4,118 |
| Cash dividends to net income (ytd only)* | 74.6278% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 2,351 |
| Loan loss allowance to noncurrent loans | 158.9552% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 3,481 |
| Noncurrent loans to loans | 0.8602% | 2,535 |
| Net loans and leases to total assets | 56.2002% | 4,290 |
| Net loans and leases to deposits | 61.9067% | 4,632 |
| Net loans and leases to core deposits | 61.9067% | 4,837 |
| Total domestic deposits to total assets | 90.7821% | 247 |
| Equity capital to assets | 9.1887% | 4,988 |
| Core capital (leverage) ratio | 9.2298% | 4,549 |
| Tier 1 risk-based capital ratio | 13.9090% | 3,603 |
| Total risk-based capital ratio | 15.0964% | 3,566 |
| Memoranda: | ||
| Average total assets | $27,032,500 | 5,819 |
| Average earning assets | $23,593,250 | 5,812 |
| Average equity | $2,502,500 | 5,864 |
| Average total loans | $14,780,000 | 5,727 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,070 |
| Cost of funding earning assets | 0.1797% | 5,323 |
| Net interest margin | 3.8682% | 2,091 |
| Noninterest income to average assets | 0.5124% | 3,110 |
| Noninterest expense to average assets | 2.9186% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9506% | 2,619 |
| Return on assets (ROA) | 0.9506% | 2,763 |
| Pretax return on assets | 0.9506% | 3,774 |
| Return on Equity (ROE) | 10.2427% | 1,951 |
| Retained earnings to average equity (ytd only) | 2.2406% | 4,452 |
| Net charge-offs to loans | -0.3169% | 5,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4319% | 2,158 |
| Assets per employee ($millions) | 3.8823% | 4,114 |
| Cash dividends to net income (ytd only)* | 78.1250% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,419 |
| Loan loss allowance to noncurrent loans | 145.8333% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 3,742 |
| Noncurrent loans to loans | 0.8162% | 2,704 |
| Net loans and leases to total assets | 53.4589% | 4,557 |
| Net loans and leases to deposits | 58.9156% | 4,856 |
| Net loans and leases to core deposits | 58.9156% | 5,029 |
| Total domestic deposits to total assets | 90.7382% | 247 |
| Equity capital to assets | 9.2361% | 5,038 |
| Core capital (leverage) ratio | 9.1710% | 4,632 |
| Tier 1 risk-based capital ratio | 14.4112% | 3,372 |
| Total risk-based capital ratio | 15.4160% | 3,430 |
| Memoranda: | ||
| Average total assets | $26,930,670 | 5,891 |
| Average earning assets | $23,370,330 | 5,889 |
| Average equity | $2,499,330 | 5,938 |
| Average total loans | $14,514,330 | 5,802 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,152 |
| Cost of funding earning assets | 0.1740% | 5,432 |
| Net interest margin | 3.8460% | 2,117 |
| Noninterest income to average assets | 0.4775% | 3,288 |
| Noninterest expense to average assets | 2.8947% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8803% | 2,851 |
| Return on assets (ROA) | 0.8803% | 2,970 |
| Pretax return on assets | 0.8803% | 3,928 |
| Return on Equity (ROE) | 9.4627% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.4627% | 985 |
| Net charge-offs to loans | -0.2219% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6798% | 2,087 |
| Assets per employee ($millions) | 3.8191% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,911 |
| Loan loss allowance to noncurrent loans | 640.0000% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 5,209 |
| Noncurrent loans to loans | 0.1759% | 4,783 |
| Net loans and leases to total assets | 52.5735% | 4,571 |
| Net loans and leases to deposits | 58.1867% | 4,840 |
| Net loans and leases to core deposits | 58.1867% | 5,035 |
| Total domestic deposits to total assets | 90.3531% | 483 |
| Equity capital to assets | 9.4561% | 4,710 |
| Core capital (leverage) ratio | 9.2512% | 4,549 |
| Tier 1 risk-based capital ratio | 14.7855% | 3,251 |
| Total risk-based capital ratio | 15.7246% | 3,341 |
| Memoranda: | ||
| Average total assets | $26,808,000 | 5,953 |
| Average earning assets | $22,985,000 | 5,949 |
| Average equity | $2,494,000 | 5,995 |
| Average total loans | $14,420,000 | 5,861 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 2,293 |
| Cost of funding earning assets | 0.1626% | 5,586 |
| Net interest margin | 4.1124% | 1,382 |
| Noninterest income to average assets | 0.5315% | 3,133 |
| Noninterest expense to average assets | 3.5613% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5239% | 4,604 |
| Return on assets (ROA) | 0.5239% | 4,684 |
| Pretax return on assets | 0.5239% | 5,057 |
| Return on Equity (ROE) | 5.5803% | 4,243 |
| Retained earnings to average equity (ytd only) | 1.5366% | 4,845 |
| Net charge-offs to loans | 0.4983% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.8904% | 4,013 |
| Efficiency ratio | 87.1747% | 894 |
| Assets per employee ($millions) | 3.8403% | 4,223 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,386 |
| Loan loss allowance to noncurrent loans | 38.3838% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4731% | 1,385 |
| Noncurrent loans to loans | 2.7077% | 649 |
| Net loans and leases to total assets | 53.8390% | 4,521 |
| Net loans and leases to deposits | 59.3813% | 4,821 |
| Net loans and leases to core deposits | 59.3813% | 5,023 |
| Total domestic deposits to total assets | 90.6666% | 391 |
| Equity capital to assets | 9.1511% | 4,967 |
| Core capital (leverage) ratio | 9.3118% | 4,455 |
| Tier 1 risk-based capital ratio | 13.1706% | 4,189 |
| Total risk-based capital ratio | 13.9844% | 4,393 |
| Memoranda: | ||
| Average total assets | $26,338,600 | 6,012 |
| Average earning assets | $22,760,600 | 6,012 |
| Average equity | $2,473,000 | 6,052 |
| Average total loans | $14,650,600 | 5,902 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 2,720 |
| Cost of funding earning assets | 0.1638% | 5,674 |
| Net interest margin | 3.9964% | 1,715 |
| Noninterest income to average assets | 0.5394% | 3,109 |
| Noninterest expense to average assets | 3.2464% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7684% | 3,594 |
| Return on assets (ROA) | 0.7734% | 3,654 |
| Pretax return on assets | 0.7734% | 4,411 |
| Return on Equity (ROE) | 8.1841% | 2,978 |
| Retained earnings to average equity (ytd only) | 2.7998% | 4,442 |
| Net charge-offs to loans | 0.3002% | 893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.5757% | 3,329 |
| Efficiency ratio | 80.8619% | 1,537 |
| Assets per employee ($millions) | 3.7203% | 4,405 |
| Cash dividends to net income (ytd only)* | 65.7900% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 3,168 |
| Loan loss allowance to noncurrent loans | 69.0647% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 2,229 |
| Noncurrent loans to loans | 1.8636% | 1,249 |
| Net loans and leases to total assets | 56.5433% | 4,294 |
| Net loans and leases to deposits | 62.5823% | 4,674 |
| Net loans and leases to core deposits | 62.5823% | 4,895 |
| Total domestic deposits to total assets | 90.3502% | 448 |
| Equity capital to assets | 9.6191% | 4,614 |
| Core capital (leverage) ratio | 9.5344% | 4,254 |
| Tier 1 risk-based capital ratio | 26.7458% | 711 |
| Total risk-based capital ratio | 28.0086% | 688 |
| Memoranda: | ||
| Average total assets | $26,202,750 | 6,097 |
| Average earning assets | $22,786,750 | 6,095 |
| Average equity | $2,476,250 | 6,136 |
| Average total loans | $14,657,000 | 5,976 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,607 |
| Cost of funding earning assets | 0.1589% | 5,785 |
| Net interest margin | 4.0246% | 1,569 |
| Noninterest income to average assets | 0.5027% | 3,354 |
| Noninterest expense to average assets | 3.1916% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7846% | 3,466 |
| Return on assets (ROA) | 0.7922% | 3,521 |
| Pretax return on assets | 0.7922% | 4,341 |
| Return on Equity (ROE) | 8.4324% | 2,830 |
| Retained earnings to average equity (ytd only) | 0.3243% | 5,409 |
| Net charge-offs to loans | 0.5628% | 431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.5122% | 3,328 |
| Efficiency ratio | 80.2682% | 1,720 |
| Assets per employee ($millions) | 3.7379% | 4,346 |
| Cash dividends to net income (ytd only)* | 96.1538% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 3,561 |
| Loan loss allowance to noncurrent loans | 38.6555% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 1,263 |
| Noncurrent loans to loans | 3.2088% | 586 |
| Net loans and leases to total assets | 55.9908% | 4,335 |
| Net loans and leases to deposits | 61.7752% | 4,719 |
| Net loans and leases to core deposits | 61.7752% | 4,957 |
| Total domestic deposits to total assets | 90.6363% | 405 |
| Equity capital to assets | 9.3369% | 4,849 |
| Core capital (leverage) ratio | 9.0648% | 4,870 |
| Tier 1 risk-based capital ratio | 20.3516% | 1,474 |
| Total risk-based capital ratio | 21.5906% | 1,451 |
| Memoranda: | ||
| Average total assets | $26,256,330 | 6,166 |
| Average earning assets | $22,660,670 | 6,169 |
| Average equity | $2,466,670 | 6,209 |
| Average total loans | $14,570,330 | 6,042 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 2,987 |
| Cost of funding earning assets | 0.1589% | 5,854 |
| Net interest margin | 3.9028% | 1,886 |
| Noninterest income to average assets | 0.5019% | 3,271 |
| Noninterest expense to average assets | 2.9047% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9581% | 2,459 |
| Return on assets (ROA) | 0.9581% | 2,592 |
| Pretax return on assets | 0.9581% | 3,655 |
| Return on Equity (ROE) | 10.1674% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.1674% | 876 |
| Net charge-offs to loans | 1.2467% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 2,924 |
| Efficiency ratio | 75.1969% | 2,633 |
| Assets per employee ($millions) | 3.8364% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,511 |
| Loan loss allowance to noncurrent loans | 295.0820% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,027 |
| Noncurrent loans to loans | 0.4343% | 4,294 |
| Net loans and leases to total assets | 51.6328% | 4,692 |
| Net loans and leases to deposits | 57.0078% | 4,983 |
| Net loans and leases to core deposits | 57.0078% | 5,188 |
| Total domestic deposits to total assets | 90.5716% | 503 |
| Equity capital to assets | 9.3986% | 4,855 |
| Core capital (leverage) ratio | 9.3279% | 4,527 |
| Tier 1 risk-based capital ratio | 21.0517% | 1,411 |
| Total risk-based capital ratio | 22.3030% | 1,389 |
| Memoranda: | ||
| Average total assets | $26,302,000 | 6,234 |
| Average earning assets | $22,650,500 | 6,231 |
| Average equity | $2,478,500 | 6,271 |
| Average total loans | $14,438,500 | 6,100 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,419 |
| Cost of funding earning assets | 0.1949% | 5,786 |
| Net interest margin | 3.8804% | 2,312 |
| Noninterest income to average assets | 0.5077% | 3,449 |
| Noninterest expense to average assets | 3.4972% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4054% | 5,203 |
| Return on assets (ROA) | 0.4054% | 5,267 |
| Pretax return on assets | 0.4054% | 5,471 |
| Return on Equity (ROE) | 4.4535% | 4,914 |
| Retained earnings to average equity (ytd only) | 0.2914% | 5,648 |
| Net charge-offs to loans | -0.0428% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6117% | 868 |
| Assets per employee ($millions) | 3.6784% | 4,572 |
| Cash dividends to net income (ytd only)* | 93.4579% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 2,399 |
| Loan loss allowance to noncurrent loans | 252.8090% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 4,675 |
| Noncurrent loans to loans | 0.6001% | 3,870 |
| Net loans and leases to total assets | 56.7245% | 4,235 |
| Net loans and leases to deposits | 62.7837% | 4,660 |
| Net loans and leases to core deposits | 62.7837% | 4,938 |
| Total domestic deposits to total assets | 90.3491% | 594 |
| Equity capital to assets | 9.4489% | 4,780 |
| Core capital (leverage) ratio | 9.4011% | 4,383 |
| Tier 1 risk-based capital ratio | 14.0618% | 4,048 |
| Total risk-based capital ratio | 15.3100% | 3,972 |
| Memoranda: | ||
| Average total assets | $26,392,200 | 6,319 |
| Average earning assets | $23,090,600 | 6,314 |
| Average equity | $2,402,600 | 6,362 |
| Average total loans | $14,015,800 | 6,191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,873 |
| Cost of funding earning assets | 0.2000% | 5,831 |
| Net interest margin | 3.7709% | 2,733 |
| Noninterest income to average assets | 0.5172% | 3,429 |
| Noninterest expense to average assets | 3.1082% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7231% | 3,823 |
| Return on assets (ROA) | 0.7231% | 3,925 |
| Pretax return on assets | 0.7231% | 4,618 |
| Return on Equity (ROE) | 8.0167% | 3,194 |
| Retained earnings to average equity (ytd only) | 2.4497% | 4,833 |
| Net charge-offs to loans | 0.0773% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.9944% | 1,869 |
| Efficiency ratio | 81.1271% | 1,738 |
| Assets per employee ($millions) | 3.6656% | 4,544 |
| Cash dividends to net income (ytd only)* | 69.4427% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 2,858 |
| Loan loss allowance to noncurrent loans | 170.1613% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 4,442 |
| Noncurrent loans to loans | 0.8634% | 3,408 |
| Net loans and leases to total assets | 55.1502% | 4,441 |
| Net loans and leases to deposits | 61.0483% | 4,842 |
| Net loans and leases to core deposits | 61.0483% | 5,117 |
| Total domestic deposits to total assets | 90.3387% | 600 |
| Equity capital to assets | 9.6224% | 4,644 |
| Core capital (leverage) ratio | 9.5284% | 4,334 |
| Tier 1 risk-based capital ratio | 14.5744% | 3,838 |
| Total risk-based capital ratio | 15.8250% | 3,780 |
| Memoranda: | ||
| Average total assets | $26,553,000 | 6,394 |
| Average earning assets | $23,336,000 | 6,387 |
| Average equity | $2,395,000 | 6,436 |
| Average total loans | $13,812,000 | 6,269 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,349 |
| Cost of funding earning assets | 0.1944% | 5,959 |
| Net interest margin | 3.6510% | 3,141 |
| Noninterest income to average assets | 0.4916% | 3,536 |
| Noninterest expense to average assets | 2.9273% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7821% | 3,413 |
| Return on assets (ROA) | 0.7821% | 3,513 |
| Pretax return on assets | 0.7821% | 4,342 |
| Return on Equity (ROE) | 8.8595% | 2,658 |
| Retained earnings to average equity (ytd only) | 0.4219% | 5,570 |
| Net charge-offs to loans | 0.0880% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,731 |
| Efficiency ratio | 78.9157% | 2,180 |
| Assets per employee ($millions) | 3.7537% | 4,345 |
| Cash dividends to net income (ytd only)* | 95.2381% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 2,669 |
| Loan loss allowance to noncurrent loans | 142.0000% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 4,275 |
| Noncurrent loans to loans | 1.0905% | 3,051 |
| Net loans and leases to total assets | 51.5375% | 4,792 |
| Net loans and leases to deposits | 56.7942% | 5,138 |
| Net loans and leases to core deposits | 56.7942% | 5,362 |
| Total domestic deposits to total assets | 90.7444% | 493 |
| Equity capital to assets | 9.2290% | 5,072 |
| Core capital (leverage) ratio | 8.9438% | 5,100 |
| Tier 1 risk-based capital ratio | 14.7372% | 3,783 |
| Total risk-based capital ratio | 15.9247% | 3,778 |
| Memoranda: | ||
| Average total assets | $26,851,000 | 6,453 |
| Average earning assets | $23,664,670 | 6,444 |
| Average equity | $2,370,330 | 6,494 |
| Average total loans | $13,628,670 | 6,332 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 4,522 |
| Cost of funding earning assets | 0.2013% | 5,981 |
| Net interest margin | 3.5898% | 3,294 |
| Noninterest income to average assets | 0.4717% | 3,620 |
| Noninterest expense to average assets | 3.1542% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4717% | 4,833 |
| Return on assets (ROA) | 0.4717% | 4,910 |
| Pretax return on assets | 0.4717% | 5,255 |
| Return on Equity (ROE) | 5.4631% | 4,297 |
| Retained earnings to average equity (ytd only) | -11.6090% | 6,406 |
| Net charge-offs to loans | 0.3538% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 2,824 |
| Efficiency ratio | 86.9919% | 1,338 |
| Assets per employee ($millions) | 3.9486% | 4,051 |
| Cash dividends to net income (ytd only)* | 312.5000% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 2,909 |
| Loan loss allowance to noncurrent loans | 243.5294% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 5,230 |
| Noncurrent loans to loans | 0.6378% | 4,267 |
| Net loans and leases to total assets | 47.4711% | 5,193 |
| Net loans and leases to deposits | 51.9397% | 5,455 |
| Net loans and leases to core deposits | 51.9397% | 5,620 |
| Total domestic deposits to total assets | 91.3965% | 418 |
| Equity capital to assets | 8.4081% | 5,740 |
| Core capital (leverage) ratio | 8.4886% | 5,660 |
| Tier 1 risk-based capital ratio | 14.4103% | 4,056 |
| Total risk-based capital ratio | 15.6628% | 4,017 |
| Memoranda: | ||
| Average total assets | $27,138,500 | 6,513 |
| Average earning assets | $23,845,500 | 6,502 |
| Average equity | $2,343,000 | 6,563 |
| Average total loans | $13,565,500 | 6,397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 2,959 |
| Cost of funding earning assets | 0.2852% | 5,713 |
| Net interest margin | 4.0151% | 1,905 |
| Noninterest income to average assets | 0.4776% | 3,908 |
| Noninterest expense to average assets | 3.3735% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5980% | 4,267 |
| Return on assets (ROA) | 0.5980% | 4,386 |
| Pretax return on assets | 0.5980% | 4,880 |
| Return on Equity (ROE) | 6.5616% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,514 |
| Net charge-offs to loans | -0.0993% | 6,474 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9432% | 1,524 |
| Assets per employee ($millions) | 3.8053% | 4,250 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 2,812 |
| Loan loss allowance to noncurrent loans | 171.0938% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 4,799 |
| Noncurrent loans to loans | 0.9273% | 3,675 |
| Net loans and leases to total assets | 50.9967% | 4,970 |
| Net loans and leases to deposits | 56.0812% | 5,295 |
| Net loans and leases to core deposits | 56.0812% | 5,528 |
| Total domestic deposits to total assets | 90.9337% | 601 |
| Equity capital to assets | 8.8674% | 5,184 |
| Core capital (leverage) ratio | 9.0102% | 4,985 |
| Tier 1 risk-based capital ratio | 14.6630% | 3,856 |
| Total risk-based capital ratio | 15.8409% | 3,843 |
| Memoranda: | ||
| Average total assets | $26,589,600 | 6,591 |
| Average earning assets | $23,137,600 | 6,594 |
| Average equity | $2,423,200 | 6,641 |
| Average total loans | $14,101,600 | 6,446 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 3,008 |
| Cost of funding earning assets | 0.2986% | 5,752 |
| Net interest margin | 3.9974% | 1,956 |
| Noninterest income to average assets | 0.4766% | 3,961 |
| Noninterest expense to average assets | 2.9197% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0485% | 2,188 |
| Return on assets (ROA) | 1.0485% | 2,271 |
| Pretax return on assets | 1.0485% | 3,308 |
| Return on Equity (ROE) | 11.4275% | 1,674 |
| Retained earnings to average equity (ytd only) | 5.9598% | 2,438 |
| Net charge-offs to loans | -0.0564% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5777% | 3,128 |
| Assets per employee ($millions) | 3.7869% | 4,275 |
| Cash dividends to net income (ytd only)* | 47.8468% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,484 |
| Loan loss allowance to noncurrent loans | 289.0411% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 5,620 |
| Noncurrent loans to loans | 0.5168% | 4,901 |
| Net loans and leases to total assets | 52.4936% | 4,819 |
| Net loans and leases to deposits | 57.9961% | 5,194 |
| Net loans and leases to core deposits | 57.9961% | 5,453 |
| Total domestic deposits to total assets | 90.5123% | 739 |
| Equity capital to assets | 9.4349% | 4,633 |
| Core capital (leverage) ratio | 9.3762% | 4,567 |
| Tier 1 risk-based capital ratio | 14.6665% | 3,972 |
| Total risk-based capital ratio | 15.9160% | 3,925 |
| Memoranda: | ||
| Average total assets | $26,577,750 | 6,668 |
| Average earning assets | $23,214,750 | 6,667 |
| Average equity | $2,438,500 | 6,716 |
| Average total loans | $14,176,250 | 6,514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,251 |
| Cost of funding earning assets | 0.3186% | 5,677 |
| Net interest margin | 3.9090% | 2,188 |
| Noninterest income to average assets | 0.4586% | 4,103 |
| Noninterest expense to average assets | 2.8946% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9774% | 2,428 |
| Return on assets (ROA) | 0.9774% | 2,578 |
| Pretax return on assets | 0.9774% | 3,614 |
| Return on Equity (ROE) | 10.7542% | 1,901 |
| Retained earnings to average equity (ytd only) | 2.4817% | 4,727 |
| Net charge-offs to loans | -0.1832% | 6,641 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7573% | 2,983 |
| Assets per employee ($millions) | 3.8570% | 4,094 |
| Cash dividends to net income (ytd only)* | 76.9231% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 3,598 |
| Loan loss allowance to noncurrent loans | 57.3684% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4075% | 2,994 |
| Noncurrent loans to loans | 2.6133% | 1,756 |
| Net loans and leases to total assets | 53.0501% | 4,728 |
| Net loans and leases to deposits | 58.3683% | 5,130 |
| Net loans and leases to core deposits | 58.3683% | 5,392 |
| Total domestic deposits to total assets | 90.8886% | 584 |
| Equity capital to assets | 9.0707% | 5,146 |
| Core capital (leverage) ratio | 8.9912% | 5,001 |
| Tier 1 risk-based capital ratio | 13.9408% | 4,463 |
| Total risk-based capital ratio | 15.1917% | 4,425 |
| Memoranda: | ||
| Average total assets | $26,601,000 | 6,718 |
| Average earning assets | $23,228,670 | 6,716 |
| Average equity | $2,417,670 | 6,767 |
| Average total loans | $14,193,000 | 6,558 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 3,703 |
| Cost of funding earning assets | 0.3333% | 5,684 |
| Net interest margin | 3.7715% | 2,558 |
| Noninterest income to average assets | 0.4242% | 4,291 |
| Noninterest expense to average assets | 2.8483% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8333% | 2,993 |
| Return on assets (ROA) | 0.8333% | 3,135 |
| Pretax return on assets | 0.8333% | 4,029 |
| Return on Equity (ROE) | 9.1590% | 2,410 |
| Retained earnings to average equity (ytd only) | -7.4938% | 6,496 |
| Net charge-offs to loans | -0.3995% | 6,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3663% | 2,714 |
| Assets per employee ($millions) | 3.8543% | 4,245 |
| Cash dividends to net income (ytd only)* | 181.8182% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,381 |
| Loan loss allowance to noncurrent loans | 86.9048% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 4,062 |
| Noncurrent loans to loans | 1.8463% | 2,806 |
| Net loans and leases to total assets | 49.7776% | 5,024 |
| Net loans and leases to deposits | 54.6201% | 5,385 |
| Net loans and leases to core deposits | 54.6201% | 5,631 |
| Total domestic deposits to total assets | 91.1342% | 472 |
| Equity capital to assets | 8.8028% | 5,710 |
| Core capital (leverage) ratio | 8.6635% | 5,375 |
| Tier 1 risk-based capital ratio | 14.6294% | 4,082 |
| Total risk-based capital ratio | 15.8828% | 4,043 |
| Memoranda: | ||
| Average total assets | $26,402,000 | 6,792 |
| Average earning assets | $22,802,500 | 6,792 |
| Average equity | $2,402,000 | 6,832 |
| Average total loans | $14,019,000 | 6,622 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 4,378 |
| Cost of funding earning assets | 0.3776% | 6,066 |
| Net interest margin | 3.8802% | 2,912 |
| Noninterest income to average assets | 0.5420% | 3,634 |
| Noninterest expense to average assets | 3.6212% | 1,562 |
| Loan and lease loss provision to assets | -0.8837% | 7,067 |
| Net operating income to assets | 1.1115% | 1,906 |
| Return on assets (ROA) | 1.1115% | 2,077 |
| Pretax return on assets | 1.1547% | 2,973 |
| Return on Equity (ROE) | 11.2956% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.5146% | 4,456 |
| Net charge-offs to loans | -1.6831% | 7,034 |
| Credit loss provision to net charge-offs | 101.8100% | 2,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0373% | 861 |
| Assets per employee ($millions) | 3.6891% | 4,586 |
| Cash dividends to net income (ytd only)* | 77.7385% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,043 |
| Loan loss allowance to noncurrent loans | 113.8889% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 3,448 |
| Noncurrent loans to loans | 1.2510% | 3,746 |
| Net loans and leases to total assets | 54.9257% | 4,466 |
| Net loans and leases to deposits | 60.7660% | 4,939 |
| Net loans and leases to core deposits | 60.7660% | 5,294 |
| Total domestic deposits to total assets | 90.3888% | 757 |
| Equity capital to assets | 9.4060% | 4,992 |
| Core capital (leverage) ratio | 8.9408% | 4,986 |
| Tier 1 risk-based capital ratio | 14.4204% | 4,083 |
| Total risk-based capital ratio | 15.6690% | 4,038 |
| Memoranda: | ||
| Average total assets | $25,461,000 | 6,861 |
| Average earning assets | $21,983,200 | 6,864 |
| Average equity | $2,505,400 | 6,879 |
| Average total loans | $13,130,200 | 6,734 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 4,814 |
| Cost of funding earning assets | 0.3803% | 6,227 |
| Net interest margin | 3.8208% | 3,241 |
| Noninterest income to average assets | 0.5676% | 3,489 |
| Noninterest expense to average assets | 3.2636% | 2,374 |
| Loan and lease loss provision to assets | -1.1824% | 7,172 |
| Net operating income to assets | 1.8131% | 550 |
| Return on assets (ROA) | 1.8131% | 615 |
| Pretax return on assets | 1.8131% | 1,008 |
| Return on Equity (ROE) | 18.2210% | 477 |
| Retained earnings to average equity (ytd only) | 6.6017% | 2,328 |
| Net charge-offs to loans | -2.2056% | 7,133 |
| Credit loss provision to net charge-offs | 106.1321% | 2,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8057% | 1,615 |
| Assets per employee ($millions) | 3.6113% | 4,734 |
| Cash dividends to net income (ytd only)* | 63.7688% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,138 |
| Loan loss allowance to noncurrent loans | 124.0506% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.2580% | 3,785 |
| Noncurrent loans to loans | 1.1725% | 4,104 |
| Net loans and leases to total assets | 52.5337% | 4,979 |
| Net loans and leases to deposits | 58.3326% | 5,398 |
| Net loans and leases to core deposits | 58.3326% | 5,709 |
| Total domestic deposits to total assets | 90.0589% | 818 |
| Equity capital to assets | 9.8778% | 4,669 |
| Core capital (leverage) ratio | 9.6454% | 4,052 |
| Tier 1 risk-based capital ratio | 14.9963% | 3,852 |
| Total risk-based capital ratio | 16.2119% | 3,826 |
| Memoranda: | ||
| Average total assets | $25,370,250 | 6,946 |
| Average earning assets | $22,089,000 | 6,952 |
| Average equity | $2,524,500 | 6,965 |
| Average total loans | $12,815,500 | 6,835 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 5,453 |
| Cost of funding earning assets | 0.3962% | 6,282 |
| Net interest margin | 3.6645% | 3,975 |
| Noninterest income to average assets | 0.5354% | 3,683 |
| Noninterest expense to average assets | 3.3857% | 2,064 |
| Loan and lease loss provision to assets | -1.7716% | 7,237 |
| Net operating income to assets | 2.1259% | 321 |
| Return on assets (ROA) | 2.1259% | 361 |
| Pretax return on assets | 2.1259% | 552 |
| Return on Equity (ROE) | 21.3130% | 274 |
| Retained earnings to average equity (ytd only) | 21.3130% | 79 |
| Net charge-offs to loans | -3.4775% | 7,196 |
| Credit loss provision to net charge-offs | 102.7397% | 2,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5263% | 1,037 |
| Assets per employee ($millions) | 3.6111% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 3,489 |
| Loan loss allowance to noncurrent loans | 105.7292% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 3,640 |
| Noncurrent loans to loans | 1.5445% | 3,592 |
| Net loans and leases to total assets | 48.3741% | 5,578 |
| Net loans and leases to deposits | 54.0584% | 5,861 |
| Net loans and leases to core deposits | 54.0584% | 6,093 |
| Total domestic deposits to total assets | 89.4849% | 1,228 |
| Equity capital to assets | 10.4478% | 3,755 |
| Core capital (leverage) ratio | 10.1025% | 3,271 |
| Tier 1 risk-based capital ratio | 16.9400% | 2,693 |
| Total risk-based capital ratio | 18.1896% | 2,653 |
| Memoranda: | ||
| Average total assets | $25,400,670 | 6,999 |
| Average earning assets | $22,213,000 | 7,006 |
| Average equity | $2,533,670 | 7,009 |
| Average total loans | $12,595,330 | 6,899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 5,889 |
| Cost of funding earning assets | 0.3938% | 6,439 |
| Net interest margin | 3.5619% | 4,434 |
| Noninterest income to average assets | 0.5184% | 3,789 |
| Noninterest expense to average assets | 3.4404% | 1,912 |
| Loan and lease loss provision to assets | -3.5347% | 7,304 |
| Net operating income to assets | 3.7389% | 73 |
| Return on assets (ROA) | 3.7389% | 79 |
| Pretax return on assets | 3.7389% | 102 |
| Return on Equity (ROE) | 38.3871% | 56 |
| Retained earnings to average equity (ytd only) | 38.3871% | 37 |
| Net charge-offs to loans | -7.1938% | 7,261 |
| Credit loss provision to net charge-offs | 98.6842% | 2,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3966% | 800 |
| Assets per employee ($millions) | 3.7183% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 2,976 |
| Loan loss allowance to noncurrent loans | 76.2590% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2975% | 2,587 |
| Noncurrent loans to loans | 2.3680% | 2,735 |
| Net loans and leases to total assets | 44.2908% | 5,980 |
| Net loans and leases to deposits | 49.2334% | 6,202 |
| Net loans and leases to core deposits | 49.2334% | 6,382 |
| Total domestic deposits to total assets | 89.9608% | 1,108 |
| Equity capital to assets | 9.9777% | 4,145 |
| Core capital (leverage) ratio | 9.8944% | 3,507 |
| Tier 1 risk-based capital ratio | 17.0992% | 2,647 |
| Total risk-based capital ratio | 18.3496% | 2,606 |
| Memoranda: | ||
| Average total assets | $25,462,000 | 7,066 |
| Average earning assets | $22,347,500 | 7,063 |
| Average equity | $2,480,000 | 7,068 |
| Average total loans | $12,677,500 | 6,949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 4,928 |
| Cost of funding earning assets | 0.5629% | 6,278 |
| Net interest margin | 3.9746% | 3,005 |
| Noninterest income to average assets | 0.6823% | 2,705 |
| Noninterest expense to average assets | 3.7706% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5325% | 4,300 |
| Return on assets (ROA) | 0.5325% | 4,490 |
| Pretax return on assets | 0.5325% | 4,894 |
| Return on Equity (ROE) | 5.9750% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.9750% | 2,031 |
| Net charge-offs to loans | 0.1748% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 5.8696% | 2,656 |
| Efficiency ratio | 87.6260% | 1,389 |
| Assets per employee ($millions) | 3.5566% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,854 |
| Loan loss allowance to noncurrent loans | 164.5669% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7955% | 3,255 |
| Noncurrent loans to loans | 0.9328% | 4,831 |
| Net loans and leases to total assets | 53.8480% | 5,055 |
| Net loans and leases to deposits | 59.5690% | 5,539 |
| Net loans and leases to core deposits | 59.5690% | 5,885 |
| Total domestic deposits to total assets | 90.3960% | 766 |
| Equity capital to assets | 9.4915% | 4,902 |
| Core capital (leverage) ratio | 9.2393% | 4,410 |
| Tier 1 risk-based capital ratio | 14.1990% | 4,179 |
| Total risk-based capital ratio | 15.4504% | 4,132 |
| Memoranda: | ||
| Average total assets | $25,353,800 | 7,093 |
| Average earning assets | $23,096,400 | 7,075 |
| Average equity | $2,259,400 | 7,169 |
| Average total loans | $13,156,000 | 6,982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 5,199 |
| Cost of funding earning assets | 0.6081% | 6,256 |
| Net interest margin | 3.9127% | 3,319 |
| Noninterest income to average assets | 0.6911% | 2,661 |
| Noninterest expense to average assets | 3.4709% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7905% | 3,213 |
| Return on assets (ROA) | 0.7905% | 3,377 |
| Pretax return on assets | 0.7905% | 4,168 |
| Return on Equity (ROE) | 9.0141% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.0141% | 1,136 |
| Net charge-offs to loans | 0.3579% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.3139% | 3,106 |
| Efficiency ratio | 81.4496% | 2,049 |
| Assets per employee ($millions) | 3.5797% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,346 |
| Loan loss allowance to noncurrent loans | 136.8056% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.8517% | 3,327 |
| Noncurrent loans to loans | 1.0573% | 4,795 |
| Net loans and leases to total assets | 53.5677% | 5,231 |
| Net loans and leases to deposits | 59.2522% | 5,724 |
| Net loans and leases to core deposits | 59.2522% | 6,040 |
| Total domestic deposits to total assets | 90.4063% | 674 |
| Equity capital to assets | 9.5020% | 5,082 |
| Core capital (leverage) ratio | 9.2169% | 4,599 |
| Tier 1 risk-based capital ratio | 14.3532% | 4,088 |
| Total risk-based capital ratio | 15.5784% | 4,069 |
| Memoranda: | ||
| Average total assets | $25,468,250 | 7,161 |
| Average earning assets | $23,239,750 | 7,141 |
| Average equity | $2,233,500 | 7,248 |
| Average total loans | $13,041,250 | 7,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 5,991 |
| Cost of funding earning assets | 0.6377% | 6,287 |
| Net interest margin | 3.6729% | 4,393 |
| Noninterest income to average assets | 0.6327% | 2,933 |
| Noninterest expense to average assets | 3.5149% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4921% | 4,533 |
| Return on assets (ROA) | 0.4921% | 4,673 |
| Pretax return on assets | 0.4921% | 5,099 |
| Return on Equity (ROE) | 5.7684% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.7684% | 2,555 |
| Net charge-offs to loans | 0.5915% | 2,341 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.6579% | 4,047 |
| Efficiency ratio | 87.7193% | 1,445 |
| Assets per employee ($millions) | 3.6526% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 4,082 |
| Loan loss allowance to noncurrent loans | 67.5958% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 2.3741% | 2,778 |
| Noncurrent loans to loans | 2.2356% | 3,179 |
| Net loans and leases to total assets | 49.4524% | 5,892 |
| Net loans and leases to deposits | 55.4756% | 6,178 |
| Net loans and leases to core deposits | 56.4666% | 6,382 |
| Total domestic deposits to total assets | 89.1427% | 1,450 |
| Equity capital to assets | 8.8157% | 5,800 |
| Core capital (leverage) ratio | 8.5688% | 5,445 |
| Tier 1 risk-based capital ratio | 14.9596% | 3,509 |
| Total risk-based capital ratio | 16.2129% | 3,482 |
| Memoranda: | ||
| Average total assets | $25,605,000 | 7,224 |
| Average earning assets | $23,523,670 | 7,201 |
| Average equity | $2,184,330 | 7,320 |
| Average total loans | $12,848,330 | 7,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 6,656 |
| Cost of funding earning assets | 0.6615% | 6,339 |
| Net interest margin | 3.3586% | 5,585 |
| Noninterest income to average assets | 0.4527% | 4,258 |
| Noninterest expense to average assets | 2.9504% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5932% | 4,065 |
| Return on assets (ROA) | 0.5932% | 4,137 |
| Pretax return on assets | 0.5932% | 4,710 |
| Return on Equity (ROE) | 7.0714% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.0714% | 2,115 |
| Net charge-offs to loans | 0.7469% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 3,526 |
| Efficiency ratio | 83.2599% | 2,047 |
| Assets per employee ($millions) | 3.7093% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 3,315 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.9424% | 2,351 |
| Noncurrent loans to loans | 3.6280% | 2,045 |
| Net loans and leases to total assets | 46.1198% | 6,276 |
| Net loans and leases to deposits | 51.4545% | 6,518 |
| Net loans and leases to core deposits | 52.3543% | 6,663 |
| Total domestic deposits to total assets | 89.6322% | 1,405 |
| Equity capital to assets | 8.3574% | 6,095 |
| Core capital (leverage) ratio | 8.3862% | 5,652 |
| Tier 1 risk-based capital ratio | 15.3021% | 3,255 |
| Total risk-based capital ratio | 16.5215% | 3,234 |
| Memoranda: | ||
| Average total assets | $25,623,500 | 7,274 |
| Average earning assets | $23,581,000 | 7,243 |
| Average equity | $2,149,500 | 7,378 |
| Average total loans | $12,853,500 | 7,187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 6,550 |
| Cost of funding earning assets | 0.8341% | 6,423 |
| Net interest margin | 3.6013% | 4,816 |
| Noninterest income to average assets | 0.6557% | 3,113 |
| Noninterest expense to average assets | 3.2541% | 2,903 |
| Loan and lease loss provision to assets | 0.3440% | 4,080 |
| Net operating income to assets | 0.3481% | 4,751 |
| Return on assets (ROA) | 0.3481% | 4,910 |
| Pretax return on assets | 0.3602% | 5,056 |
| Return on Equity (ROE) | 4.1675% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.1675% | 2,930 |
| Net charge-offs to loans | 0.3807% | 4,137 |
| Credit loss provision to net charge-offs | 160.3774% | 2,175 |
| Earnings coverage of net charge-offs (x) | 3.2830% | 3,433 |
| Efficiency ratio | 82.2086% | 2,136 |
| Assets per employee ($millions) | 3.6117% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 3,154 |
| Loan loss allowance to noncurrent loans | 56.3107% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.9033% | 2,418 |
| Noncurrent loans to loans | 3.0464% | 2,506 |
| Net loans and leases to total assets | 52.5750% | 5,844 |
| Net loans and leases to deposits | 58.7674% | 6,183 |
| Net loans and leases to core deposits | 59.8254% | 6,407 |
| Total domestic deposits to total assets | 89.4629% | 1,405 |
| Equity capital to assets | 8.4210% | 5,965 |
| Core capital (leverage) ratio | 8.3469% | 5,617 |
| Tier 1 risk-based capital ratio | 14.2942% | 3,681 |
| Total risk-based capital ratio | 15.5467% | 3,631 |
| Memoranda: | ||
| Average total assets | $24,707,600 | 7,356 |
| Average earning assets | $22,658,200 | 7,330 |
| Average equity | $2,063,600 | 7,494 |
| Average total loans | $13,922,200 | 7,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 6,750 |
| Cost of funding earning assets | 0.8690% | 6,510 |
| Net interest margin | 3.5703% | 5,015 |
| Noninterest income to average assets | 0.6133% | 3,362 |
| Noninterest expense to average assets | 3.1536% | 3,095 |
| Loan and lease loss provision to assets | 0.3257% | 3,985 |
| Net operating income to assets | 0.4016% | 4,745 |
| Return on assets (ROA) | 0.4016% | 4,918 |
| Pretax return on assets | 0.4125% | 5,185 |
| Return on Equity (ROE) | 4.8191% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.8191% | 3,112 |
| Net charge-offs to loans | 0.4564% | 3,471 |
| Credit loss provision to net charge-offs | 125.0000% | 3,279 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,717 |
| Efficiency ratio | 81.0321% | 2,201 |
| Assets per employee ($millions) | 3.5369% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,814 |
| Loan loss allowance to noncurrent loans | 70.1987% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.5204% | 2,846 |
| Noncurrent loans to loans | 2.1843% | 3,468 |
| Net loans and leases to total assets | 54.9883% | 5,705 |
| Net loans and leases to deposits | 61.8453% | 6,128 |
| Net loans and leases to core deposits | 62.9899% | 6,376 |
| Total domestic deposits to total assets | 88.9127% | 1,438 |
| Equity capital to assets | 8.8941% | 5,708 |
| Core capital (leverage) ratio | 8.7906% | 5,029 |
| Tier 1 risk-based capital ratio | 13.5751% | 4,140 |
| Total risk-based capital ratio | 14.8282% | 4,085 |
| Memoranda: | ||
| Average total assets | $24,564,000 | 7,454 |
| Average earning assets | $22,555,500 | 7,429 |
| Average equity | $2,047,250 | 7,591 |
| Average total loans | $14,021,750 | 7,298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 7,063 |
| Cost of funding earning assets | 0.8865% | 6,636 |
| Net interest margin | 3.4043% | 5,628 |
| Noninterest income to average assets | 0.3837% | 5,053 |
| Noninterest expense to average assets | 3.3307% | 2,460 |
| Loan and lease loss provision to assets | 0.4898% | 2,849 |
| Net operating income to assets | -0.3020% | 6,475 |
| Return on assets (ROA) | -0.3020% | 6,519 |
| Pretax return on assets | -0.3020% | 6,428 |
| Return on Equity (ROE) | -3.7080% | 6,592 |
| Retained earnings to average equity (ytd only) | -3.7080% | 6,405 |
| Net charge-offs to loans | 0.7951% | 2,259 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 0.4107% | 5,315 |
| Efficiency ratio | 94.6636% | 1,032 |
| Assets per employee ($millions) | 3.4897% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,160 |
| Loan loss allowance to noncurrent loans | 44.2516% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.5463% | 2,839 |
| Noncurrent loans to loans | 3.2846% | 2,440 |
| Net loans and leases to total assets | 56.6195% | 5,609 |
| Net loans and leases to deposits | 63.4945% | 6,087 |
| Net loans and leases to core deposits | 64.6822% | 6,347 |
| Total domestic deposits to total assets | 89.1723% | 1,341 |
| Equity capital to assets | 8.5639% | 6,080 |
| Core capital (leverage) ratio | 8.3058% | 5,761 |
| Tier 1 risk-based capital ratio | 12.6982% | 4,690 |
| Total risk-based capital ratio | 13.9468% | 4,661 |
| Memoranda: | ||
| Average total assets | $24,499,330 | 7,516 |
| Average earning assets | $22,560,000 | 7,490 |
| Average equity | $1,995,670 | 7,661 |
| Average total loans | $14,087,000 | 7,352 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 7,372 |
| Cost of funding earning assets | 0.9382% | 6,623 |
| Net interest margin | 3.1687% | 6,387 |
| Noninterest income to average assets | 0.6195% | 3,143 |
| Noninterest expense to average assets | 3.5541% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0163% | 6,327 |
| Return on assets (ROA) | -0.0163% | 6,419 |
| Pretax return on assets | -0.0163% | 6,379 |
| Return on Equity (ROE) | -0.2054% | 6,432 |
| Retained earnings to average equity (ytd only) | -0.2054% | 5,875 |
| Net charge-offs to loans | 0.2267% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 5,118 |
| Efficiency ratio | 100.4608% | 820 |
| Assets per employee ($millions) | 3.4520% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,390 |
| Loan loss allowance to noncurrent loans | 31.5789% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 3.5094% | 2,005 |
| Noncurrent loans to loans | 4.4542% | 1,682 |
| Net loans and leases to total assets | 55.6944% | 5,794 |
| Net loans and leases to deposits | 62.3200% | 6,245 |
| Net loans and leases to core deposits | 63.4961% | 6,492 |
| Total domestic deposits to total assets | 89.3685% | 1,321 |
| Equity capital to assets | 8.2561% | 6,359 |
| Core capital (leverage) ratio | 7.9077% | 6,370 |
| Tier 1 risk-based capital ratio | 13.4622% | 4,013 |
| Total risk-based capital ratio | 14.7121% | 3,976 |
| Memoranda: | ||
| Average total assets | $24,535,000 | 7,606 |
| Average earning assets | $22,596,000 | 7,577 |
| Average equity | $1,947,500 | 7,754 |
| Average total loans | $14,113,000 | 7,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 6,850 |
| Cost of funding earning assets | 1.3377% | 6,181 |
| Net interest margin | 3.5075% | 4,923 |
| Noninterest income to average assets | 0.7814% | 2,501 |
| Noninterest expense to average assets | 3.6900% | 1,932 |
| Loan and lease loss provision to assets | 2.4832% | 800 |
| Net operating income to assets | -2.1845% | 7,160 |
| Return on assets (ROA) | -2.1845% | 7,157 |
| Pretax return on assets | -2.1845% | 7,009 |
| Return on Equity (ROE) | -24.0411% | 7,266 |
| Retained earnings to average equity (ytd only) | -24.0411% | 7,239 |
| Net charge-offs to loans | 3.7251% | 496 |
| Credit loss provision to net charge-offs | 101.1667% | 5,456 |
| Earnings coverage of net charge-offs (x) | 0.1217% | 6,040 |
| Efficiency ratio | 92.5128% | 1,525 |
| Assets per employee ($millions) | 3.5580% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 4,377 |
| Loan loss allowance to noncurrent loans | 39.3701% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 3.0234% | 2,312 |
| Noncurrent loans to loans | 3.4852% | 2,178 |
| Net loans and leases to total assets | 57.7210% | 5,704 |
| Net loans and leases to deposits | 64.1528% | 6,242 |
| Net loans and leases to core deposits | 72.5108% | 6,619 |
| Total domestic deposits to total assets | 89.9743% | 975 |
| Equity capital to assets | 7.6287% | 6,921 |
| Core capital (leverage) ratio | 7.3976% | 6,889 |
| Tier 1 risk-based capital ratio | 11.3394% | 5,578 |
| Total risk-based capital ratio | 12.5515% | 5,562 |
| Memoranda: | ||
| Average total assets | $24,444,400 | 7,655 |
| Average earning assets | $22,352,200 | 7,639 |
| Average equity | $2,221,200 | 7,798 |
| Average total loans | $16,107,000 | 7,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 6,775 |
| Cost of funding earning assets | 1.4101% | 6,191 |
| Net interest margin | 3.5371% | 4,711 |
| Noninterest income to average assets | 0.8604% | 2,143 |
| Noninterest expense to average assets | 3.9677% | 1,321 |
| Loan and lease loss provision to assets | 0.9755% | 1,968 |
| Net operating income to assets | -0.8385% | 6,718 |
| Return on assets (ROA) | -0.8385% | 6,716 |
| Pretax return on assets | -0.8385% | 6,565 |
| Return on Equity (ROE) | -8.8633% | 6,802 |
| Retained earnings to average equity (ytd only) | -8.8633% | 6,694 |
| Net charge-offs to loans | 1.3260% | 1,547 |
| Credit loss provision to net charge-offs | 108.5366% | 4,685 |
| Earnings coverage of net charge-offs (x) | 0.1524% | 5,881 |
| Efficiency ratio | 96.6622% | 1,235 |
| Assets per employee ($millions) | 3.4999% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,610 |
| Loan loss allowance to noncurrent loans | 23.7385% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 4.2206% | 1,485 |
| Noncurrent loans to loans | 5.3970% | 1,169 |
| Net loans and leases to total assets | 65.1047% | 4,628 |
| Net loans and leases to deposits | 73.6789% | 5,410 |
| Net loans and leases to core deposits | 83.1552% | 6,107 |
| Total domestic deposits to total assets | 88.3628% | 1,490 |
| Equity capital to assets | 9.3677% | 4,932 |
| Core capital (leverage) ratio | 8.9401% | 4,748 |
| Tier 1 risk-based capital ratio | 13.0219% | 4,179 |
| Total risk-based capital ratio | 14.2188% | 4,144 |
| Memoranda: | ||
| Average total assets | $24,329,000 | 7,734 |
| Average earning assets | $22,315,250 | 7,711 |
| Average equity | $2,301,500 | 7,843 |
| Average total loans | $16,489,750 | 7,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 7,105 |
| Cost of funding earning assets | 1.4902% | 6,183 |
| Net interest margin | 3.3754% | 5,268 |
| Noninterest income to average assets | 0.5191% | 4,277 |
| Noninterest expense to average assets | 4.3342% | 910 |
| Loan and lease loss provision to assets | 0.9064% | 1,863 |
| Net operating income to assets | -1.6232% | 7,299 |
| Return on assets (ROA) | -1.6232% | 7,298 |
| Pretax return on assets | -1.6232% | 7,140 |
| Return on Equity (ROE) | -17.1031% | 7,424 |
| Retained earnings to average equity (ytd only) | -17.1031% | 7,351 |
| Net charge-offs to loans | 0.9397% | 1,842 |
| Credit loss provision to net charge-offs | 141.0256% | 3,307 |
| Earnings coverage of net charge-offs (x) | -1.1154% | 6,251 |
| Efficiency ratio | 119.8178% | 668 |
| Assets per employee ($millions) | 3.6213% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 3,700 |
| Loan loss allowance to noncurrent loans | 37.2517% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 3.0218% | 2,100 |
| Noncurrent loans to loans | 3.7679% | 1,825 |
| Net loans and leases to total assets | 62.3496% | 5,296 |
| Net loans and leases to deposits | 70.1353% | 5,977 |
| Net loans and leases to core deposits | 77.5553% | 6,571 |
| Total domestic deposits to total assets | 88.8990% | 1,317 |
| Equity capital to assets | 8.8643% | 5,504 |
| Core capital (leverage) ratio | 9.0381% | 4,570 |
| Tier 1 risk-based capital ratio | 12.9781% | 4,165 |
| Total risk-based capital ratio | 14.2295% | 4,081 |
| Memoranda: | ||
| Average total assets | $24,272,330 | 7,809 |
| Average earning assets | $22,279,000 | 7,781 |
| Average equity | $2,303,670 | 7,926 |
| Average total loans | $16,600,670 | 7,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 7,485 |
| Cost of funding earning assets | 1.5783% | 6,122 |
| Net interest margin | 3.1382% | 6,069 |
| Noninterest income to average assets | 0.5056% | 4,277 |
| Noninterest expense to average assets | 5.5279% | 357 |
| Loan and lease loss provision to assets | 1.8539% | 664 |
| Net operating income to assets | -3.9943% | 7,980 |
| Return on assets (ROA) | -3.9943% | 7,971 |
| Pretax return on assets | -3.9943% | 7,901 |
| Return on Equity (ROE) | -40.6518% | 7,999 |
| Retained earnings to average equity (ytd only) | -40.6518% | 7,977 |
| Net charge-offs to loans | 1.9187% | 753 |
| Credit loss provision to net charge-offs | 135.8025% | 2,991 |
| Earnings coverage of net charge-offs (x) | -1.5679% | 5,433 |
| Efficiency ratio | 163.1841% | 293 |
| Assets per employee ($millions) | 3.4504% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 3,597 |
| Loan loss allowance to noncurrent loans | 32.4088% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 2.8361% | 2,002 |
| Noncurrent loans to loans | 4.2661% | 1,376 |
| Net loans and leases to total assets | 65.5612% | 4,684 |
| Net loans and leases to deposits | 74.0749% | 5,467 |
| Net loans and leases to core deposits | 82.9666% | 6,151 |
| Total domestic deposits to total assets | 88.5066% | 1,484 |
| Equity capital to assets | 9.1376% | 5,169 |
| Core capital (leverage) ratio | 9.1639% | 4,459 |
| Tier 1 risk-based capital ratio | 13.1526% | 4,084 |
| Total risk-based capital ratio | 14.4018% | 4,004 |
| Memoranda: | ||
| Average total assets | $23,734,000 | 7,876 |
| Average earning assets | $21,796,000 | 7,847 |
| Average equity | $2,332,000 | 7,972 |
| Average total loans | $16,886,000 | 7,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8995% | 1,401 |
| Cost of funding earning assets | 2.0443% | 6,265 |
| Net interest margin | 4.8552% | 696 |
| Noninterest income to average assets | 0.5428% | 4,290 |
| Noninterest expense to average assets | 4.3291% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6687% | 4,029 |
| Return on assets (ROA) | 0.6687% | 3,877 |
| Pretax return on assets | 0.6687% | 4,494 |
| Return on Equity (ROE) | 6.3736% | 3,806 |
| Retained earnings to average equity (ytd only) | -2.9385% | 6,092 |
| Net charge-offs to loans | 0.3736% | 2,972 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.3692% | 4,891 |
| Efficiency ratio | 86.6203% | 1,794 |
| Assets per employee ($millions) | 3.3307% | 5,143 |
| Cash dividends to net income (ytd only)* | 146.1039% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,354 |
| Loan loss allowance to noncurrent loans | 212.0879% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 6,065 |
| Noncurrent loans to loans | 0.5137% | 5,810 |
| Net loans and leases to total assets | 75.1533% | 2,844 |
| Net loans and leases to deposits | 86.5840% | 4,020 |
| Net loans and leases to core deposits | 97.8227% | 5,056 |
| Total domestic deposits to total assets | 86.7982% | 2,034 |
| Equity capital to assets | 10.5383% | 3,452 |
| Core capital (leverage) ratio | 10.1618% | 3,311 |
| Tier 1 risk-based capital ratio | 13.6369% | 3,730 |
| Total risk-based capital ratio | 14.7312% | 3,730 |
| Memoranda: | ||
| Average total assets | $23,030,200 | 7,912 |
| Average earning assets | $21,132,000 | 7,890 |
| Average equity | $2,416,200 | 8,014 |
| Average total loans | $17,397,800 | 7,498 |