Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 3,963 |
| Cost of funding earning assets | 1.3031% | 2,505 |
| Net interest margin | 2.7004% | 3,823 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1216% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4562% | 3,755 |
| Return on assets (ROA) | 0.4562% | 3,754 |
| Pretax return on assets | 0.4562% | 3,886 |
| Return on Equity (ROE) | 5.3700% | 3,655 |
| Retained earnings to average equity (ytd only) | 2.7509% | 3,360 |
| Net charge-offs to loans | 0.0158% | 2,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 1,176 |
| Efficiency ratio | 82.3022% | 761 |
| Assets per employee ($millions) | 5.7550% | 3,017 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,142 |
| Loan loss allowance to noncurrent loans | 235.3659% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,805 |
| Noncurrent loans to loans | 0.6247% | 1,259 |
| Net loans and leases to total assets | 44.9500% | 3,863 |
| Net loans and leases to deposits | 61.7434% | 3,420 |
| Net loans and leases to core deposits | 62.6556% | 3,650 |
| Total domestic deposits to total assets | 72.8000% | 4,179 |
| Equity capital to assets | 8.0035% | 3,413 |
| Core capital (leverage) ratio | 8.6932% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,960,200 | 4,483 |
| Average earning assets | $24,403,800 | 4,453 |
| Average equity | $2,290,200 | 4,474 |
| Average total loans | $12,676,400 | 4,380 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,058 |
| Cost of funding earning assets | 1.1902% | 2,462 |
| Net interest margin | 2.6656% | 3,926 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.0372% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5332% | 3,697 |
| Return on assets (ROA) | 0.5332% | 3,680 |
| Pretax return on assets | 0.5332% | 3,855 |
| Return on Equity (ROE) | 6.1800% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.1797% | 2,575 |
| Net charge-offs to loans | 0.0424% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,665 |
| Efficiency ratio | 79.2564% | 907 |
| Assets per employee ($millions) | 6.5208% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,028 |
| Loan loss allowance to noncurrent loans | 154.4715% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 1,234 |
| Noncurrent loans to loans | 0.9925% | 819 |
| Net loans and leases to total assets | 46.7900% | 3,793 |
| Net loans and leases to deposits | 55.7062% | 3,727 |
| Net loans and leases to core deposits | 56.4928% | 3,835 |
| Total domestic deposits to total assets | 83.9900% | 2,778 |
| Equity capital to assets | 8.9905% | 2,421 |
| Core capital (leverage) ratio | 9.0523% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3729% | 1,229 |
| Memoranda: | ||
| Average total assets | $26,506,500 | 4,511 |
| Average earning assets | $24,308,750 | 4,480 |
| Average equity | $2,287,000 | 4,491 |
| Average total loans | $12,563,750 | 4,403 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7404% | 4,095 |
| Cost of funding earning assets | 1.1155% | 2,232 |
| Net interest margin | 2.6248% | 4,081 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.0715% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4503% | 3,914 |
| Return on assets (ROA) | 0.4503% | 3,919 |
| Pretax return on assets | 0.4503% | 4,043 |
| Return on Equity (ROE) | 5.2900% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.2918% | 2,864 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.1429% | 698 |
| Assets per employee ($millions) | 6.4960% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 979 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,193 |
| Noncurrent loans to loans | 0.4204% | 1,672 |
| Net loans and leases to total assets | 46.8500% | 3,750 |
| Net loans and leases to deposits | 52.6195% | 3,811 |
| Net loans and leases to core deposits | 53.3109% | 3,915 |
| Total domestic deposits to total assets | 89.0300% | 1,249 |
| Equity capital to assets | 8.8478% | 2,626 |
| Core capital (leverage) ratio | 8.9407% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6158% | 1,401 |
| Memoranda: | ||
| Average total assets | $26,647,667 | 4,538 |
| Average earning assets | $24,382,667 | 4,508 |
| Average equity | $2,267,667 | 4,523 |
| Average total loans | $12,620,667 | 4,426 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 4,112 |
| Cost of funding earning assets | 0.8166% | 2,675 |
| Net interest margin | 2.8254% | 3,914 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.2536% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4300% | 4,034 |
| Return on assets (ROA) | 0.4300% | 3,984 |
| Pretax return on assets | 0.4300% | 4,087 |
| Return on Equity (ROE) | 5.1500% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.1510% | 2,990 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.9779% | 593 |
| Assets per employee ($millions) | 6.4230% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 738 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 42.9000% | 3,916 |
| Net loans and leases to deposits | 47.1003% | 3,992 |
| Net loans and leases to core deposits | 47.7120% | 4,059 |
| Total domestic deposits to total assets | 91.0800% | 773 |
| Equity capital to assets | 8.8238% | 2,649 |
| Core capital (leverage) ratio | 8.6326% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1218% | 1,136 |
| Memoranda: | ||
| Average total assets | $26,979,500 | 4,595 |
| Average earning assets | $24,492,000 | 4,569 |
| Average equity | $2,252,000 | 4,590 |
| Average total loans | $12,747,000 | 4,488 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 3,415 |
| Cost of funding earning assets | 0.2648% | 3,208 |
| Net interest margin | 3.1069% | 3,160 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.1786% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6632% | 3,727 |
| Return on assets (ROA) | 0.6632% | 3,676 |
| Pretax return on assets | 0.6632% | 3,921 |
| Return on Equity (ROE) | 7.7900% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.3959% | 3,270 |
| Net charge-offs to loans | 0.0397% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,599 |
| Efficiency ratio | 76.6621% | 951 |
| Assets per employee ($millions) | 7.0668% | 1,924 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 1,623 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.8200% | 3,515 |
| Net loans and leases to deposits | 65.7347% | 2,908 |
| Net loans and leases to core deposits | 65.7347% | 3,147 |
| Total domestic deposits to total assets | 75.7900% | 4,271 |
| Equity capital to assets | 7.9138% | 3,112 |
| Core capital (leverage) ratio | 8.5555% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0507% | 2,350 |
| Memoranda: | ||
| Average total assets | $25,934,000 | 4,641 |
| Average earning assets | $22,659,600 | 4,620 |
| Average equity | $2,206,600 | 4,665 |
| Average total loans | $12,595,400 | 4,516 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3472% | 3,057 |
| Cost of funding earning assets | 0.1951% | 3,334 |
| Net interest margin | 3.1521% | 2,770 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.0932% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7468% | 3,427 |
| Return on assets (ROA) | 0.7468% | 3,375 |
| Pretax return on assets | 0.7468% | 3,701 |
| Return on Equity (ROE) | 8.6100% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.6098% | 1,781 |
| Net charge-offs to loans | 0.0548% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 1,545 |
| Efficiency ratio | 73.7037% | 1,309 |
| Assets per employee ($millions) | 6.4418% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,092 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.9600% | 3,705 |
| Net loans and leases to deposits | 53.1170% | 3,657 |
| Net loans and leases to core deposits | 53.1170% | 3,801 |
| Total domestic deposits to total assets | 88.4000% | 2,307 |
| Equity capital to assets | 8.8563% | 2,314 |
| Core capital (leverage) ratio | 8.7534% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1465% | 1,388 |
| Memoranda: | ||
| Average total assets | $25,350,750 | 4,677 |
| Average earning assets | $21,868,250 | 4,661 |
| Average equity | $2,199,000 | 4,706 |
| Average total loans | $12,174,750 | 4,560 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 2,769 |
| Cost of funding earning assets | 0.1509% | 3,560 |
| Net interest margin | 3.1408% | 2,399 |
| Noninterest income to average assets | 0.1190% | 4,402 |
| Noninterest expense to average assets | 2.1339% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6267% | 3,551 |
| Return on assets (ROA) | 0.6267% | 3,499 |
| Pretax return on assets | 0.6267% | 3,761 |
| Return on Equity (ROE) | 7.2766% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.2766% | 1,886 |
| Net charge-offs to loans | -0.0165% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2989% | 1,146 |
| Assets per employee ($millions) | 6.5828% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 908 |
| Loan loss allowance to noncurrent loans | 1,340.0000% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,410 |
| Noncurrent loans to loans | 0.1293% | 3,075 |
| Net loans and leases to total assets | 43.2912% | 3,887 |
| Net loans and leases to deposits | 47.2811% | 3,966 |
| Net loans and leases to core deposits | 47.2811% | 4,067 |
| Total domestic deposits to total assets | 91.5613% | 1,013 |
| Equity capital to assets | 8.4159% | 2,826 |
| Core capital (leverage) ratio | 8.4099% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5711% | 1,556 |
| Memoranda: | ||
| Average total assets | $25,212,000 | 4,715 |
| Average earning assets | $21,204,667 | 4,715 |
| Average equity | $2,171,333 | 4,735 |
| Average total loans | $12,135,000 | 4,626 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 2,797 |
| Cost of funding earning assets | 0.1561% | 3,420 |
| Net interest margin | 3.0048% | 2,487 |
| Noninterest income to average assets | 0.1136% | 4,441 |
| Noninterest expense to average assets | 2.1904% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4219% | 3,908 |
| Return on assets (ROA) | 0.4219% | 3,871 |
| Pretax return on assets | 0.4219% | 3,998 |
| Return on Equity (ROE) | 4.8395% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.8395% | 2,650 |
| Net charge-offs to loans | -0.0323% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8509% | 862 |
| Assets per employee ($millions) | 6.5893% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 982 |
| Loan loss allowance to noncurrent loans | 300.0000% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 2,126 |
| Noncurrent loans to loans | 0.5803% | 1,598 |
| Net loans and leases to total assets | 43.0398% | 3,817 |
| Net loans and leases to deposits | 46.8954% | 3,932 |
| Net loans and leases to core deposits | 46.8954% | 4,034 |
| Total domestic deposits to total assets | 91.7783% | 664 |
| Equity capital to assets | 8.2028% | 3,408 |
| Core capital (leverage) ratio | 8.4954% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,652,500 | 4,741 |
| Average earning assets | $20,500,500 | 4,741 |
| Average equity | $2,149,000 | 4,761 |
| Average total loans | $12,402,500 | 4,642 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 2,540 |
| Cost of funding earning assets | 0.1801% | 3,658 |
| Net interest margin | 3.3612% | 2,138 |
| Noninterest income to average assets | 0.3403% | 3,377 |
| Noninterest expense to average assets | 2.7838% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2443% | 4,487 |
| Return on assets (ROA) | 0.2443% | 4,504 |
| Pretax return on assets | 0.2443% | 4,533 |
| Return on Equity (ROE) | 2.6154% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.9808% | 4,267 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9308% | 269 |
| Assets per employee ($millions) | 4.5896% | 4,048 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,518 |
| Loan loss allowance to noncurrent loans | 294.1176% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,057 |
| Noncurrent loans to loans | 0.5128% | 1,839 |
| Net loans and leases to total assets | 56.9113% | 2,488 |
| Net loans and leases to deposits | 64.9460% | 2,601 |
| Net loans and leases to core deposits | 64.9460% | 2,904 |
| Total domestic deposits to total assets | 87.6286% | 2,232 |
| Equity capital to assets | 9.3080% | 3,316 |
| Core capital (leverage) ratio | 9.4167% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,918,400 | 4,787 |
| Average earning assets | $18,326,800 | 4,794 |
| Average equity | $2,141,200 | 4,808 |
| Average total loans | $11,781,800 | 4,701 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 2,472 |
| Cost of funding earning assets | 0.1883% | 3,726 |
| Net interest margin | 3.4426% | 2,033 |
| Noninterest income to average assets | 0.3957% | 3,115 |
| Noninterest expense to average assets | 2.6944% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3608% | 4,434 |
| Return on assets (ROA) | 0.3608% | 4,464 |
| Pretax return on assets | 0.3608% | 4,535 |
| Return on Equity (ROE) | 3.8583% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.8583% | 3,621 |
| Net charge-offs to loans | -0.0117% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1905% | 369 |
| Assets per employee ($millions) | 4.5560% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 982 |
| Loan loss allowance to noncurrent loans | 335.0000% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 2,451 |
| Noncurrent loans to loans | 0.5293% | 1,987 |
| Net loans and leases to total assets | 48.8806% | 3,538 |
| Net loans and leases to deposits | 54.0560% | 3,734 |
| Net loans and leases to core deposits | 54.0560% | 3,916 |
| Total domestic deposits to total assets | 90.4258% | 592 |
| Equity capital to assets | 9.5522% | 3,332 |
| Core capital (leverage) ratio | 9.2289% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,911,000 | 4,861 |
| Average earning assets | $17,699,500 | 4,867 |
| Average equity | $2,142,500 | 4,878 |
| Average total loans | $11,412,250 | 4,778 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 2,430 |
| Cost of funding earning assets | 0.1959% | 3,796 |
| Net interest margin | 3.4680% | 1,952 |
| Noninterest income to average assets | 0.5228% | 2,517 |
| Noninterest expense to average assets | 2.7358% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4095% | 4,368 |
| Return on assets (ROA) | 0.4095% | 4,407 |
| Pretax return on assets | 0.4095% | 4,494 |
| Return on Equity (ROE) | 4.4104% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.4104% | 3,395 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9806% | 439 |
| Assets per employee ($millions) | 4.8254% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 876 |
| Loan loss allowance to noncurrent loans | 408.1633% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,934 |
| Noncurrent loans to loans | 0.4421% | 2,342 |
| Net loans and leases to total assets | 45.1113% | 3,966 |
| Net loans and leases to deposits | 49.5583% | 4,134 |
| Net loans and leases to core deposits | 49.5583% | 4,250 |
| Total domestic deposits to total assets | 91.0267% | 366 |
| Equity capital to assets | 8.9485% | 3,836 |
| Core capital (leverage) ratio | 9.0142% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,954,667 | 4,896 |
| Average earning assets | $17,358,667 | 4,905 |
| Average equity | $2,131,333 | 4,915 |
| Average total loans | $11,437,667 | 4,813 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 2,003 |
| Cost of funding earning assets | 0.2143% | 3,786 |
| Net interest margin | 3.6188% | 1,533 |
| Noninterest income to average assets | 0.3934% | 3,120 |
| Noninterest expense to average assets | 2.8433% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2682% | 4,564 |
| Return on assets (ROA) | 0.2682% | 4,591 |
| Pretax return on assets | 0.2682% | 4,629 |
| Return on Equity (ROE) | 2.8335% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.8335% | 3,832 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3793% | 339 |
| Assets per employee ($millions) | 4.7730% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 887 |
| Loan loss allowance to noncurrent loans | 212.7660% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 2,228 |
| Noncurrent loans to loans | 0.8421% | 1,588 |
| Net loans and leases to total assets | 45.9376% | 3,961 |
| Net loans and leases to deposits | 50.4417% | 4,135 |
| Net loans and leases to core deposits | 50.4417% | 4,272 |
| Total domestic deposits to total assets | 91.0706% | 378 |
| Equity capital to assets | 8.9043% | 3,782 |
| Core capital (leverage) ratio | 10.1767% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5206% | 1,423 |
| Memoranda: | ||
| Average total assets | $22,368,500 | 4,927 |
| Average earning assets | $16,801,000 | 4,935 |
| Average equity | $2,117,500 | 4,941 |
| Average total loans | $11,614,500 | 4,836 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 1,875 |
| Cost of funding earning assets | 0.4440% | 3,318 |
| Net interest margin | 3.8554% | 1,342 |
| Noninterest income to average assets | 0.3115% | 3,615 |
| Noninterest expense to average assets | 3.1733% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3504% | 4,345 |
| Return on assets (ROA) | 0.3504% | 4,418 |
| Pretax return on assets | 0.3504% | 4,486 |
| Return on Equity (ROE) | 3.3879% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.2705% | 4,120 |
| Net charge-offs to loans | -0.0159% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0552% | 377 |
| Assets per employee ($millions) | 4.1744% | 4,231 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,142 |
| Loan loss allowance to noncurrent loans | 425.5319% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 3,155 |
| Noncurrent loans to loans | 0.3895% | 2,814 |
| Net loans and leases to total assets | 56.8513% | 3,218 |
| Net loans and leases to deposits | 63.2651% | 3,496 |
| Net loans and leases to core deposits | 63.2651% | 3,751 |
| Total domestic deposits to total assets | 89.8620% | 618 |
| Equity capital to assets | 10.1092% | 3,020 |
| Core capital (leverage) ratio | 10.1321% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7482% | 1,612 |
| Memoranda: | ||
| Average total assets | $20,546,200 | 4,950 |
| Average earning assets | $17,119,000 | 4,950 |
| Average equity | $2,125,200 | 4,962 |
| Average total loans | $12,575,400 | 4,851 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 1,837 |
| Cost of funding earning assets | 0.4930% | 3,268 |
| Net interest margin | 3.9128% | 1,322 |
| Noninterest income to average assets | 0.3453% | 3,403 |
| Noninterest expense to average assets | 3.1207% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5342% | 3,950 |
| Return on assets (ROA) | 0.5342% | 4,042 |
| Pretax return on assets | 0.5342% | 4,217 |
| Return on Equity (ROE) | 5.1353% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.1353% | 2,504 |
| Net charge-offs to loans | -0.0105% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3832% | 540 |
| Assets per employee ($millions) | 4.2194% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 833 |
| Loan loss allowance to noncurrent loans | 432.6087% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,351 |
| Noncurrent loans to loans | 0.4009% | 2,857 |
| Net loans and leases to total assets | 53.4389% | 3,853 |
| Net loans and leases to deposits | 59.6192% | 4,084 |
| Net loans and leases to core deposits | 62.9481% | 4,055 |
| Total domestic deposits to total assets | 89.6336% | 541 |
| Equity capital to assets | 10.2526% | 3,005 |
| Core capital (leverage) ratio | 10.5353% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3650% | 1,407 |
| Memoranda: | ||
| Average total assets | $20,464,750 | 4,981 |
| Average earning assets | $17,310,250 | 4,978 |
| Average equity | $2,129,000 | 4,993 |
| Average total loans | $12,702,750 | 4,877 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 2,076 |
| Cost of funding earning assets | 0.5381% | 3,300 |
| Net interest margin | 3.9123% | 1,540 |
| Noninterest income to average assets | 0.2271% | 4,126 |
| Noninterest expense to average assets | 3.1599% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5135% | 3,977 |
| Return on assets (ROA) | 0.5135% | 4,057 |
| Pretax return on assets | 0.5135% | 4,225 |
| Return on Equity (ROE) | 4.9111% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.9111% | 2,519 |
| Net charge-offs to loans | -0.0153% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0215% | 534 |
| Assets per employee ($millions) | 3.9788% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 770 |
| Loan loss allowance to noncurrent loans | 423.4043% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 2,578 |
| Noncurrent loans to loans | 0.4087% | 2,940 |
| Net loans and leases to total assets | 56.8111% | 3,624 |
| Net loans and leases to deposits | 63.7559% | 3,901 |
| Net loans and leases to core deposits | 67.5674% | 3,883 |
| Total domestic deposits to total assets | 89.1073% | 710 |
| Equity capital to assets | 10.7721% | 2,511 |
| Core capital (leverage) ratio | 11.0061% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4096% | 1,384 |
| Memoranda: | ||
| Average total assets | $20,254,000 | 5,013 |
| Average earning assets | $17,841,333 | 5,005 |
| Average equity | $2,117,667 | 5,024 |
| Average total loans | $13,112,667 | 4,902 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 2,347 |
| Cost of funding earning assets | 0.5555% | 3,664 |
| Net interest margin | 3.9312% | 1,575 |
| Noninterest income to average assets | 0.2153% | 4,261 |
| Noninterest expense to average assets | 3.2691% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5481% | 3,752 |
| Return on assets (ROA) | 0.5481% | 3,815 |
| Pretax return on assets | 0.5481% | 4,040 |
| Return on Equity (ROE) | 5.3207% | 3,534 |
| Retained earnings to average equity (ytd only) | 5.3207% | 2,147 |
| Net charge-offs to loans | -0.0287% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6410% | 725 |
| Assets per employee ($millions) | 3.9054% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,374 |
| Loan loss allowance to noncurrent loans | 432.6087% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 2,723 |
| Noncurrent loans to loans | 0.3448% | 3,255 |
| Net loans and leases to total assets | 67.3017% | 2,647 |
| Net loans and leases to deposits | 75.5722% | 3,112 |
| Net loans and leases to core deposits | 80.1830% | 3,179 |
| Total domestic deposits to total assets | 89.0562% | 635 |
| Equity capital to assets | 10.8516% | 2,987 |
| Core capital (leverage) ratio | 10.5418% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4491% | 1,771 |
| Memoranda: | ||
| Average total assets | $20,434,000 | 5,055 |
| Average earning assets | $18,722,000 | 5,042 |
| Average equity | $2,105,000 | 5,070 |
| Average total loans | $13,918,500 | 4,929 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,290 |
| Cost of funding earning assets | 0.5968% | 3,653 |
| Net interest margin | 3.7900% | 2,534 |
| Noninterest income to average assets | 0.1942% | 4,497 |
| Noninterest expense to average assets | 3.1165% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5133% | 4,378 |
| Return on assets (ROA) | 0.5133% | 4,430 |
| Pretax return on assets | 0.5133% | 4,552 |
| Return on Equity (ROE) | 5.3263% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.6871% | 3,695 |
| Net charge-offs to loans | -0.0873% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8599% | 548 |
| Assets per employee ($millions) | 4.2682% | 3,554 |
| Cash dividends to net income (ytd only)* | 49.5495% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,647 |
| Loan loss allowance to noncurrent loans | 421.2766% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,767 |
| Noncurrent loans to loans | 0.3242% | 3,276 |
| Net loans and leases to total assets | 66.9978% | 2,830 |
| Net loans and leases to deposits | 84.4088% | 2,293 |
| Net loans and leases to core deposits | 89.7045% | 2,453 |
| Total domestic deposits to total assets | 79.3730% | 4,107 |
| Equity capital to assets | 9.7980% | 4,100 |
| Core capital (leverage) ratio | 10.1151% | 3,397 |
| Tier 1 risk-based capital ratio | 12.6040% | 4,009 |
| Total risk-based capital ratio | 13.7975% | 3,928 |
| Memoranda: | ||
| Average total assets | $21,626,800 | 5,105 |
| Average earning assets | $19,604,000 | 5,092 |
| Average equity | $2,084,000 | 5,132 |
| Average total loans | $13,741,200 | 4,989 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 3,485 |
| Cost of funding earning assets | 0.5771% | 3,786 |
| Net interest margin | 3.7819% | 2,648 |
| Noninterest income to average assets | 0.2028% | 4,504 |
| Noninterest expense to average assets | 3.0171% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6083% | 4,277 |
| Return on assets (ROA) | 0.6083% | 4,329 |
| Pretax return on assets | 0.6083% | 4,527 |
| Return on Equity (ROE) | 6.3393% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.3393% | 2,204 |
| Net charge-offs to loans | -0.1181% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2203% | 670 |
| Assets per employee ($millions) | 4.2384% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 1,449 |
| Loan loss allowance to noncurrent loans | 404.0816% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 2,829 |
| Noncurrent loans to loans | 0.3546% | 3,272 |
| Net loans and leases to total assets | 64.2648% | 3,260 |
| Net loans and leases to deposits | 85.9460% | 2,193 |
| Net loans and leases to core deposits | 85.9460% | 2,909 |
| Total domestic deposits to total assets | 74.7735% | 4,762 |
| Equity capital to assets | 10.0698% | 3,944 |
| Core capital (leverage) ratio | 10.0518% | 3,593 |
| Tier 1 risk-based capital ratio | 13.5570% | 3,538 |
| Total risk-based capital ratio | 14.8021% | 3,456 |
| Memoranda: | ||
| Average total assets | $21,698,250 | 5,181 |
| Average earning assets | $19,636,750 | 5,171 |
| Average equity | $2,082,250 | 5,210 |
| Average total loans | $13,552,500 | 5,069 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 3,781 |
| Cost of funding earning assets | 0.4861% | 4,181 |
| Net interest margin | 3.7673% | 2,703 |
| Noninterest income to average assets | 0.2104% | 4,481 |
| Noninterest expense to average assets | 3.0914% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5213% | 4,479 |
| Return on assets (ROA) | 0.5213% | 4,511 |
| Pretax return on assets | 0.5213% | 4,663 |
| Return on Equity (ROE) | 5.5206% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.5206% | 2,512 |
| Net charge-offs to loans | -0.1782% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5696% | 568 |
| Assets per employee ($millions) | 4.3644% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,371 |
| Loan loss allowance to noncurrent loans | 396.0000% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,862 |
| Noncurrent loans to loans | 0.3705% | 3,197 |
| Net loans and leases to total assets | 60.9385% | 3,658 |
| Net loans and leases to deposits | 78.6027% | 3,101 |
| Net loans and leases to core deposits | 78.6027% | 3,532 |
| Total domestic deposits to total assets | 77.5273% | 4,480 |
| Equity capital to assets | 9.5867% | 4,324 |
| Core capital (leverage) ratio | 9.5048% | 4,138 |
| Tier 1 risk-based capital ratio | 11.5338% | 4,666 |
| Total risk-based capital ratio | 12.6254% | 4,644 |
| Memoranda: | ||
| Average total assets | $21,867,000 | 5,225 |
| Average earning assets | $19,748,670 | 5,218 |
| Average equity | $2,065,000 | 5,253 |
| Average total loans | $13,464,330 | 5,116 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,992 |
| Cost of funding earning assets | 0.4839% | 4,135 |
| Net interest margin | 3.6698% | 3,008 |
| Noninterest income to average assets | 0.2376% | 4,310 |
| Noninterest expense to average assets | 2.9603% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6030% | 4,235 |
| Return on assets (ROA) | 0.6030% | 4,273 |
| Pretax return on assets | 0.6030% | 4,507 |
| Return on Equity (ROE) | 6.4343% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.4343% | 2,265 |
| Net charge-offs to loans | -0.3569% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0769% | 783 |
| Assets per employee ($millions) | 4.3132% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,216 |
| Loan loss allowance to noncurrent loans | 190.3846% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 2,682 |
| Noncurrent loans to loans | 0.8083% | 2,019 |
| Net loans and leases to total assets | 58.7406% | 3,810 |
| Net loans and leases to deposits | 65.0041% | 4,122 |
| Net loans and leases to core deposits | 65.0041% | 4,330 |
| Total domestic deposits to total assets | 90.3645% | 328 |
| Equity capital to assets | 9.5892% | 4,173 |
| Core capital (leverage) ratio | 9.5843% | 4,038 |
| Tier 1 risk-based capital ratio | 13.8448% | 3,428 |
| Total risk-based capital ratio | 15.0900% | 3,342 |
| Memoranda: | ||
| Average total assets | $21,889,500 | 5,281 |
| Average earning assets | $19,837,500 | 5,269 |
| Average equity | $2,051,500 | 5,308 |
| Average total loans | $13,448,500 | 5,178 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,910 |
| Cost of funding earning assets | 0.3595% | 4,222 |
| Net interest margin | 3.6828% | 3,104 |
| Noninterest income to average assets | 0.2673% | 4,324 |
| Noninterest expense to average assets | 2.9809% | 2,094 |
| Loan and lease loss provision to assets | 0.0535% | 3,111 |
| Net operating income to assets | 0.6104% | 4,385 |
| Return on assets (ROA) | 0.6104% | 4,394 |
| Pretax return on assets | 0.6104% | 4,616 |
| Return on Equity (ROE) | 6.7601% | 3,905 |
| Retained earnings to average equity (ytd only) | 3.7995% | 3,486 |
| Net charge-offs to loans | -0.0590% | 5,023 |
| Credit loss provision to net charge-offs | -150.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7848% | 821 |
| Assets per employee ($millions) | 4.4426% | 3,251 |
| Cash dividends to net income (ytd only)* | 43.7956% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,920 |
| Loan loss allowance to noncurrent loans | 182.3529% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 2,730 |
| Noncurrent loans to loans | 0.7270% | 2,174 |
| Net loans and leases to total assets | 62.3284% | 3,533 |
| Net loans and leases to deposits | 73.7535% | 3,522 |
| Net loans and leases to core deposits | 73.7535% | 3,871 |
| Total domestic deposits to total assets | 84.5091% | 2,827 |
| Equity capital to assets | 9.1613% | 4,440 |
| Core capital (leverage) ratio | 9.3671% | 4,279 |
| Tier 1 risk-based capital ratio | 12.7442% | 3,995 |
| Total risk-based capital ratio | 13.9091% | 3,925 |
| Memoranda: | ||
| Average total assets | $22,443,000 | 5,321 |
| Average earning assets | $20,582,400 | 5,307 |
| Average equity | $2,026,600 | 5,353 |
| Average total loans | $13,552,200 | 5,219 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,952 |
| Cost of funding earning assets | 0.3360% | 4,268 |
| Net interest margin | 3.6576% | 3,179 |
| Noninterest income to average assets | 0.2726% | 4,330 |
| Noninterest expense to average assets | 2.7317% | 2,868 |
| Loan and lease loss provision to assets | 0.0533% | 2,909 |
| Net operating income to assets | 0.8414% | 3,771 |
| Return on assets (ROA) | 0.8414% | 3,774 |
| Pretax return on assets | 0.8414% | 4,190 |
| Return on Equity (ROE) | 9.3519% | 2,932 |
| Retained earnings to average equity (ytd only) | 9.3519% | 1,095 |
| Net charge-offs to loans | -0.0695% | 5,053 |
| Credit loss provision to net charge-offs | -128.5714% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3268% | 1,428 |
| Assets per employee ($millions) | 4.3596% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 1,967 |
| Loan loss allowance to noncurrent loans | 193.6170% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 2,961 |
| Noncurrent loans to loans | 0.6864% | 2,361 |
| Net loans and leases to total assets | 61.9873% | 3,659 |
| Net loans and leases to deposits | 73.4747% | 3,647 |
| Net loans and leases to core deposits | 73.4747% | 3,981 |
| Total domestic deposits to total assets | 84.3655% | 2,829 |
| Equity capital to assets | 9.6339% | 3,968 |
| Core capital (leverage) ratio | 9.6238% | 4,024 |
| Tier 1 risk-based capital ratio | 13.2811% | 3,735 |
| Total risk-based capital ratio | 14.4321% | 3,709 |
| Memoranda: | ||
| Average total assets | $22,500,500 | 5,393 |
| Average earning assets | $20,632,250 | 5,379 |
| Average equity | $2,024,500 | 5,425 |
| Average total loans | $13,432,500 | 5,288 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 4,134 |
| Cost of funding earning assets | 0.2982% | 4,430 |
| Net interest margin | 3.5787% | 3,390 |
| Noninterest income to average assets | 0.2815% | 4,298 |
| Noninterest expense to average assets | 2.7359% | 2,889 |
| Loan and lease loss provision to assets | 0.0528% | 2,859 |
| Net operating income to assets | 0.7654% | 3,973 |
| Return on assets (ROA) | 0.7654% | 3,980 |
| Pretax return on assets | 0.7654% | 4,349 |
| Return on Equity (ROE) | 8.7029% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.7029% | 1,322 |
| Net charge-offs to loans | -0.1049% | 5,177 |
| Credit loss provision to net charge-offs | -85.7143% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9802% | 1,319 |
| Assets per employee ($millions) | 4.4034% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,870 |
| Loan loss allowance to noncurrent loans | 182.6531% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 2,948 |
| Noncurrent loans to loans | 0.7484% | 2,241 |
| Net loans and leases to total assets | 58.6638% | 3,931 |
| Net loans and leases to deposits | 66.3652% | 4,149 |
| Net loans and leases to core deposits | 66.3652% | 4,351 |
| Total domestic deposits to total assets | 88.3953% | 1,185 |
| Equity capital to assets | 9.2883% | 4,296 |
| Core capital (leverage) ratio | 9.0017% | 4,688 |
| Tier 1 risk-based capital ratio | 13.3425% | 3,710 |
| Total risk-based capital ratio | 14.5103% | 3,680 |
| Memoranda: | ||
| Average total assets | $22,734,670 | 5,453 |
| Average earning assets | $20,789,670 | 5,438 |
| Average equity | $1,999,330 | 5,487 |
| Average total loans | $13,345,330 | 5,351 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 4,135 |
| Cost of funding earning assets | 0.3222% | 4,188 |
| Net interest margin | 3.5065% | 3,511 |
| Noninterest income to average assets | 0.2945% | 4,192 |
| Noninterest expense to average assets | 2.8060% | 2,664 |
| Loan and lease loss provision to assets | 0.0520% | 2,734 |
| Net operating income to assets | 0.6409% | 4,308 |
| Return on assets (ROA) | 0.6409% | 4,321 |
| Pretax return on assets | 0.6409% | 4,588 |
| Return on Equity (ROE) | 7.4880% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.4880% | 2,052 |
| Net charge-offs to loans | -0.1485% | 5,315 |
| Credit loss provision to net charge-offs | -60.0000% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1980% | 1,111 |
| Assets per employee ($millions) | 4.5410% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,072 |
| Loan loss allowance to noncurrent loans | 55.9486% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 1,068 |
| Noncurrent loans to loans | 2.3897% | 584 |
| Net loans and leases to total assets | 56.5514% | 4,077 |
| Net loans and leases to deposits | 62.0230% | 4,340 |
| Net loans and leases to core deposits | 62.0230% | 4,550 |
| Total domestic deposits to total assets | 91.1782% | 263 |
| Equity capital to assets | 8.7866% | 4,753 |
| Core capital (leverage) ratio | 8.6405% | 5,033 |
| Tier 1 risk-based capital ratio | 12.9621% | 3,964 |
| Total risk-based capital ratio | 14.0927% | 3,929 |
| Memoranda: | ||
| Average total assets | $23,093,500 | 5,508 |
| Average earning assets | $21,103,500 | 5,496 |
| Average equity | $1,976,500 | 5,546 |
| Average total loans | $13,470,500 | 5,413 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,197 |
| Cost of funding earning assets | 0.2916% | 4,214 |
| Net interest margin | 3.4653% | 3,636 |
| Noninterest income to average assets | 0.2460% | 4,657 |
| Noninterest expense to average assets | 2.7808% | 2,846 |
| Loan and lease loss provision to assets | 0.1669% | 1,318 |
| Net operating income to assets | 0.4129% | 4,649 |
| Return on assets (ROA) | 0.4129% | 4,675 |
| Pretax return on assets | 0.4305% | 5,046 |
| Return on Equity (ROE) | 4.7910% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.2426% | 3,976 |
| Net charge-offs to loans | 0.2731% | 956 |
| Credit loss provision to net charge-offs | 102.7027% | 2,490 |
| Earnings coverage of net charge-offs (x) | 3.6757% | 3,572 |
| Efficiency ratio | 82.3147% | 908 |
| Assets per employee ($millions) | 4.6964% | 2,872 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,828 |
| Loan loss allowance to noncurrent loans | 59.9278% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 1,261 |
| Noncurrent loans to loans | 1.9889% | 770 |
| Net loans and leases to total assets | 58.6023% | 3,960 |
| Net loans and leases to deposits | 67.0712% | 4,099 |
| Net loans and leases to core deposits | 67.0712% | 4,360 |
| Total domestic deposits to total assets | 87.3733% | 1,823 |
| Equity capital to assets | 8.3383% | 5,239 |
| Core capital (leverage) ratio | 8.6810% | 4,967 |
| Tier 1 risk-based capital ratio | 12.3075% | 4,325 |
| Total risk-based capital ratio | 13.3509% | 4,357 |
| Memoranda: | ||
| Average total assets | $22,763,400 | 5,577 |
| Average earning assets | $20,575,400 | 5,559 |
| Average equity | $1,962,000 | 5,609 |
| Average total loans | $13,549,200 | 5,476 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,001 |
| Cost of funding earning assets | 0.2952% | 4,175 |
| Net interest margin | 3.5091% | 3,472 |
| Noninterest income to average assets | 0.2361% | 4,797 |
| Noninterest expense to average assets | 2.7689% | 2,829 |
| Loan and lease loss provision to assets | 0.0295% | 3,532 |
| Net operating income to assets | 0.5727% | 4,489 |
| Return on assets (ROA) | 0.5727% | 4,533 |
| Pretax return on assets | 0.5963% | 4,854 |
| Return on Equity (ROE) | 6.5884% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.5884% | 1,917 |
| Net charge-offs to loans | -0.0396% | 5,089 |
| Credit loss provision to net charge-offs | -125.0000% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5652% | 955 |
| Assets per employee ($millions) | 4.4392% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,260 |
| Loan loss allowance to noncurrent loans | 96.1326% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 2,109 |
| Noncurrent loans to loans | 1.3737% | 1,371 |
| Net loans and leases to total assets | 58.5781% | 4,011 |
| Net loans and leases to deposits | 66.0805% | 4,246 |
| Net loans and leases to core deposits | 66.0805% | 4,477 |
| Total domestic deposits to total assets | 88.6466% | 1,043 |
| Equity capital to assets | 9.0602% | 4,862 |
| Core capital (leverage) ratio | 9.0285% | 4,709 |
| Tier 1 risk-based capital ratio | 13.2224% | 3,867 |
| Total risk-based capital ratio | 14.3665% | 3,836 |
| Memoranda: | ||
| Average total assets | $22,583,750 | 5,642 |
| Average earning assets | $20,328,000 | 5,627 |
| Average equity | $1,963,000 | 5,675 |
| Average total loans | $13,454,750 | 5,540 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 3,815 |
| Cost of funding earning assets | 0.2963% | 4,114 |
| Net interest margin | 3.5264% | 3,306 |
| Noninterest income to average assets | 0.2289% | 4,872 |
| Noninterest expense to average assets | 2.7297% | 2,982 |
| Loan and lease loss provision to assets | 0.0176% | 3,610 |
| Net operating income to assets | 0.5988% | 4,310 |
| Return on assets (ROA) | 0.5988% | 4,354 |
| Pretax return on assets | 0.6252% | 4,748 |
| Return on Equity (ROE) | 6.9851% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.9851% | 1,600 |
| Net charge-offs to loans | -0.0443% | 5,123 |
| Credit loss provision to net charge-offs | -66.6667% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9399% | 1,113 |
| Assets per employee ($millions) | 4.5046% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,742 |
| Loan loss allowance to noncurrent loans | 91.8919% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 2,157 |
| Noncurrent loans to loans | 1.3520% | 1,431 |
| Net loans and leases to total assets | 59.9964% | 3,844 |
| Net loans and leases to deposits | 65.8208% | 4,232 |
| Net loans and leases to core deposits | 65.8208% | 4,482 |
| Total domestic deposits to total assets | 91.1513% | 189 |
| Equity capital to assets | 8.7999% | 5,070 |
| Core capital (leverage) ratio | 8.8530% | 4,896 |
| Tier 1 risk-based capital ratio | 12.7937% | 4,127 |
| Total risk-based capital ratio | 13.8910% | 4,131 |
| Memoranda: | ||
| Average total assets | $22,713,000 | 5,687 |
| Average earning assets | $20,247,330 | 5,675 |
| Average equity | $1,947,000 | 5,723 |
| Average total loans | $13,547,670 | 5,585 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,279 |
| Cost of funding earning assets | 0.2962% | 4,087 |
| Net interest margin | 3.6339% | 2,760 |
| Noninterest income to average assets | 0.2455% | 4,778 |
| Noninterest expense to average assets | 2.8937% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5437% | 4,407 |
| Return on assets (ROA) | 0.5437% | 4,447 |
| Pretax return on assets | 0.5787% | 4,776 |
| Return on Equity (ROE) | 6.4265% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.4265% | 2,122 |
| Net charge-offs to loans | -0.0593% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,029 |
| Assets per employee ($millions) | 4.5640% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,585 |
| Loan loss allowance to noncurrent loans | 87.8947% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 2,216 |
| Noncurrent loans to loans | 1.4685% | 1,370 |
| Net loans and leases to total assets | 55.9641% | 4,171 |
| Net loans and leases to deposits | 62.7105% | 4,390 |
| Net loans and leases to core deposits | 62.7105% | 4,605 |
| Total domestic deposits to total assets | 89.2419% | 1,036 |
| Equity capital to assets | 8.5232% | 5,222 |
| Core capital (leverage) ratio | 8.5842% | 5,166 |
| Tier 1 risk-based capital ratio | 12.9658% | 4,098 |
| Total risk-based capital ratio | 14.0791% | 4,083 |
| Memoranda: | ||
| Average total assets | $22,808,000 | 5,757 |
| Average earning assets | $20,253,500 | 5,744 |
| Average equity | $1,929,500 | 5,789 |
| Average total loans | $13,480,000 | 5,648 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,244 |
| Cost of funding earning assets | 0.2472% | 4,592 |
| Net interest margin | 3.4424% | 3,652 |
| Noninterest income to average assets | 0.2194% | 5,098 |
| Noninterest expense to average assets | 2.6499% | 3,524 |
| Loan and lease loss provision to assets | 0.4259% | 348 |
| Net operating income to assets | 0.3054% | 5,209 |
| Return on assets (ROA) | 0.3054% | 5,275 |
| Pretax return on assets | 0.3183% | 5,342 |
| Return on Equity (ROE) | 3.7274% | 4,924 |
| Retained earnings to average equity (ytd only) | 1.1025% | 4,863 |
| Net charge-offs to loans | 0.7178% | 299 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 1.7475% | 3,948 |
| Efficiency ratio | 78.0735% | 1,685 |
| Assets per employee ($millions) | 4.5592% | 3,031 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,262 |
| Loan loss allowance to noncurrent loans | 100.6098% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 2,166 |
| Noncurrent loans to loans | 1.1696% | 1,758 |
| Net loans and leases to total assets | 60.7870% | 3,764 |
| Net loans and leases to deposits | 71.5237% | 3,757 |
| Net loans and leases to core deposits | 71.5237% | 4,109 |
| Total domestic deposits to total assets | 84.9886% | 3,051 |
| Equity capital to assets | 8.3962% | 5,348 |
| Core capital (leverage) ratio | 8.4882% | 5,272 |
| Tier 1 risk-based capital ratio | 12.0727% | 4,678 |
| Total risk-based capital ratio | 13.1134% | 4,710 |
| Memoranda: | ||
| Average total assets | $23,246,400 | 5,799 |
| Average earning assets | $21,438,800 | 5,778 |
| Average equity | $1,904,800 | 5,853 |
| Average total loans | $13,793,000 | 5,693 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5934% | 4,573 |
| Cost of funding earning assets | 0.2532% | 4,575 |
| Net interest margin | 3.3403% | 4,058 |
| Noninterest income to average assets | 0.2112% | 5,203 |
| Noninterest expense to average assets | 2.5514% | 3,821 |
| Loan and lease loss provision to assets | 0.5651% | 206 |
| Net operating income to assets | 0.1712% | 5,517 |
| Return on assets (ROA) | 0.1712% | 5,575 |
| Pretax return on assets | 0.1827% | 5,586 |
| Return on Equity (ROE) | 2.1025% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.1025% | 4,642 |
| Net charge-offs to loans | 0.9512% | 183 |
| Credit loss provision to net charge-offs | 101.0204% | 2,328 |
| Earnings coverage of net charge-offs (x) | 1.3368% | 3,706 |
| Efficiency ratio | 77.3356% | 1,787 |
| Assets per employee ($millions) | 4.5026% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,217 |
| Loan loss allowance to noncurrent loans | 87.3684% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 2,438 |
| Noncurrent loans to loans | 1.3779% | 1,594 |
| Net loans and leases to total assets | 60.5117% | 3,814 |
| Net loans and leases to deposits | 69.5725% | 4,020 |
| Net loans and leases to core deposits | 69.5725% | 4,356 |
| Total domestic deposits to total assets | 86.9764% | 1,911 |
| Equity capital to assets | 8.5417% | 5,507 |
| Core capital (leverage) ratio | 8.3802% | 5,439 |
| Tier 1 risk-based capital ratio | 12.2531% | 4,642 |
| Total risk-based capital ratio | 13.3108% | 4,656 |
| Memoranda: | ||
| Average total assets | $23,359,000 | 5,856 |
| Average earning assets | $21,594,500 | 5,839 |
| Average equity | $1,902,500 | 5,918 |
| Average total loans | $13,735,750 | 5,754 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,840 |
| Cost of funding earning assets | 0.2566% | 4,586 |
| Net interest margin | 3.2533% | 4,366 |
| Noninterest income to average assets | 0.1946% | 5,332 |
| Noninterest expense to average assets | 2.5718% | 3,814 |
| Loan and lease loss provision to assets | 0.8375% | 124 |
| Net operating income to assets | -0.2115% | 5,851 |
| Return on assets (ROA) | -0.2115% | 5,864 |
| Pretax return on assets | -0.2115% | 5,858 |
| Return on Equity (ROE) | -2.6376% | 5,884 |
| Retained earnings to average equity (ytd only) | -2.6376% | 5,590 |
| Net charge-offs to loans | 1.4288% | 105 |
| Credit loss provision to net charge-offs | 101.0204% | 2,072 |
| Earnings coverage of net charge-offs (x) | 0.7551% | 3,489 |
| Efficiency ratio | 80.4233% | 1,456 |
| Assets per employee ($millions) | 4.5892% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 3,308 |
| Loan loss allowance to noncurrent loans | 48.3965% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 1,277 |
| Noncurrent loans to loans | 2.4993% | 699 |
| Net loans and leases to total assets | 59.0866% | 3,999 |
| Net loans and leases to deposits | 66.2400% | 4,330 |
| Net loans and leases to core deposits | 66.2400% | 4,592 |
| Total domestic deposits to total assets | 89.2007% | 812 |
| Equity capital to assets | 8.1409% | 5,758 |
| Core capital (leverage) ratio | 8.0144% | 5,721 |
| Tier 1 risk-based capital ratio | 11.7847% | 4,985 |
| Total risk-based capital ratio | 12.8320% | 4,997 |
| Memoranda: | ||
| Average total assets | $23,641,000 | 5,925 |
| Average earning assets | $21,824,000 | 5,909 |
| Average equity | $1,895,670 | 5,995 |
| Average total loans | $13,718,000 | 5,827 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,720 |
| Cost of funding earning assets | 0.2716% | 4,481 |
| Net interest margin | 3.2952% | 4,241 |
| Noninterest income to average assets | 0.2334% | 5,073 |
| Noninterest expense to average assets | 2.6679% | 3,527 |
| Loan and lease loss provision to assets | 0.0500% | 2,923 |
| Net operating income to assets | 0.5503% | 4,424 |
| Return on assets (ROA) | 0.5503% | 4,524 |
| Pretax return on assets | 0.5503% | 4,952 |
| Return on Equity (ROE) | 6.9128% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.9128% | 1,925 |
| Net charge-offs to loans | 0.0583% | 1,928 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,553 |
| Efficiency ratio | 81.6327% | 1,406 |
| Assets per employee ($millions) | 4.7254% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 3,330 |
| Loan loss allowance to noncurrent loans | 74.4395% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 1,990 |
| Noncurrent loans to loans | 1.6478% | 1,381 |
| Net loans and leases to total assets | 56.5751% | 4,189 |
| Net loans and leases to deposits | 63.0787% | 4,500 |
| Net loans and leases to core deposits | 63.0787% | 4,744 |
| Total domestic deposits to total assets | 89.6898% | 742 |
| Equity capital to assets | 8.1517% | 5,765 |
| Core capital (leverage) ratio | 7.9331% | 5,800 |
| Tier 1 risk-based capital ratio | 12.3866% | 4,663 |
| Total risk-based capital ratio | 13.4542% | 4,682 |
| Memoranda: | ||
| Average total assets | $23,988,500 | 5,984 |
| Average earning assets | $22,092,500 | 5,967 |
| Average equity | $1,909,500 | 6,053 |
| Average total loans | $13,715,000 | 5,881 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 5,161 |
| Cost of funding earning assets | 0.2412% | 4,875 |
| Net interest margin | 3.1580% | 4,758 |
| Noninterest income to average assets | 0.2687% | 4,948 |
| Noninterest expense to average assets | 2.6258% | 3,834 |
| Loan and lease loss provision to assets | 0.0204% | 3,989 |
| Net operating income to assets | 0.4885% | 4,739 |
| Return on assets (ROA) | 0.4885% | 4,828 |
| Pretax return on assets | 0.5007% | 5,115 |
| Return on Equity (ROE) | 6.3667% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.7139% | 3,408 |
| Net charge-offs to loans | 0.0229% | 3,801 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 1,115 |
| Efficiency ratio | 83.4411% | 1,230 |
| Assets per employee ($millions) | 4.8700% | 2,502 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,553 |
| Loan loss allowance to noncurrent loans | 70.2128% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 2,261 |
| Noncurrent loans to loans | 1.6910% | 1,339 |
| Net loans and leases to total assets | 56.3943% | 4,264 |
| Net loans and leases to deposits | 67.4824% | 4,175 |
| Net loans and leases to core deposits | 67.4824% | 4,482 |
| Total domestic deposits to total assets | 83.5688% | 3,647 |
| Equity capital to assets | 7.7741% | 5,929 |
| Core capital (leverage) ratio | 7.7959% | 5,912 |
| Tier 1 risk-based capital ratio | 12.0145% | 4,939 |
| Total risk-based capital ratio | 13.0617% | 4,982 |
| Memoranda: | ||
| Average total assets | $24,563,800 | 6,033 |
| Average earning assets | $22,387,600 | 6,022 |
| Average equity | $1,884,800 | 6,113 |
| Average total loans | $13,087,200 | 5,949 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 5,296 |
| Cost of funding earning assets | 0.2446% | 4,939 |
| Net interest margin | 3.1142% | 4,926 |
| Noninterest income to average assets | 0.2654% | 5,039 |
| Noninterest expense to average assets | 2.4427% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6391% | 4,186 |
| Return on assets (ROA) | 0.6391% | 4,303 |
| Pretax return on assets | 0.6500% | 4,830 |
| Return on Equity (ROE) | 8.3564% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.3564% | 1,111 |
| Net charge-offs to loans | 0.0310% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,248 |
| Efficiency ratio | 78.9842% | 1,809 |
| Assets per employee ($millions) | 4.8820% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 3,512 |
| Loan loss allowance to noncurrent loans | 72.3982% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 2,612 |
| Noncurrent loans to loans | 1.6922% | 1,433 |
| Net loans and leases to total assets | 52.8472% | 4,677 |
| Net loans and leases to deposits | 61.5487% | 4,754 |
| Net loans and leases to core deposits | 61.5487% | 4,968 |
| Total domestic deposits to total assets | 85.8624% | 2,609 |
| Equity capital to assets | 7.9517% | 5,975 |
| Core capital (leverage) ratio | 7.9972% | 5,905 |
| Tier 1 risk-based capital ratio | 12.9668% | 4,440 |
| Total risk-based capital ratio | 14.0357% | 4,465 |
| Memoranda: | ||
| Average total assets | $24,617,250 | 6,119 |
| Average earning assets | $22,348,250 | 6,109 |
| Average equity | $1,882,750 | 6,199 |
| Average total loans | $12,884,750 | 6,033 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2893% | 5,459 |
| Cost of funding earning assets | 0.2407% | 5,046 |
| Net interest margin | 3.0486% | 5,095 |
| Noninterest income to average assets | 0.2755% | 4,980 |
| Noninterest expense to average assets | 2.3495% | 4,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6805% | 3,973 |
| Return on assets (ROA) | 0.6805% | 4,094 |
| Pretax return on assets | 0.6967% | 4,665 |
| Return on Equity (ROE) | 9.0161% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.0161% | 919 |
| Net charge-offs to loans | 0.0156% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 666 |
| Efficiency ratio | 77.1277% | 2,183 |
| Assets per employee ($millions) | 4.9116% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 3,416 |
| Loan loss allowance to noncurrent loans | 32.1429% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 2.0523% | 1,059 |
| Noncurrent loans to loans | 3.9415% | 399 |
| Net loans and leases to total assets | 51.4089% | 4,806 |
| Net loans and leases to deposits | 57.0235% | 5,060 |
| Net loans and leases to core deposits | 57.0235% | 5,253 |
| Total domestic deposits to total assets | 90.1539% | 596 |
| Equity capital to assets | 7.7653% | 6,056 |
| Core capital (leverage) ratio | 7.8477% | 5,994 |
| Tier 1 risk-based capital ratio | 12.9314% | 4,557 |
| Total risk-based capital ratio | 14.0300% | 4,551 |
| Memoranda: | ||
| Average total assets | $24,686,330 | 6,193 |
| Average earning assets | $22,436,670 | 6,175 |
| Average equity | $1,863,330 | 6,272 |
| Average total loans | $12,826,330 | 6,101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 5,699 |
| Cost of funding earning assets | 0.2301% | 5,214 |
| Net interest margin | 2.9379% | 5,372 |
| Noninterest income to average assets | 0.3555% | 4,353 |
| Noninterest expense to average assets | 2.4404% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5980% | 4,300 |
| Return on assets (ROA) | 0.5980% | 4,397 |
| Pretax return on assets | 0.5980% | 4,919 |
| Return on Equity (ROE) | 8.0369% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.0369% | 1,561 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3191% | 1,857 |
| Assets per employee ($millions) | 4.9266% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 3,234 |
| Loan loss allowance to noncurrent loans | 63.6719% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 2,542 |
| Noncurrent loans to loans | 2.0932% | 1,232 |
| Net loans and leases to total assets | 48.9871% | 4,940 |
| Net loans and leases to deposits | 53.0115% | 5,265 |
| Net loans and leases to core deposits | 53.0115% | 5,427 |
| Total domestic deposits to total assets | 92.4086% | 105 |
| Equity capital to assets | 7.5508% | 6,165 |
| Core capital (leverage) ratio | 7.4855% | 6,143 |
| Tier 1 risk-based capital ratio | 13.2914% | 4,441 |
| Total risk-based capital ratio | 14.4562% | 4,411 |
| Memoranda: | ||
| Average total assets | $24,750,500 | 6,258 |
| Average earning assets | $22,601,000 | 6,233 |
| Average equity | $1,841,500 | 6,337 |
| Average total loans | $12,846,000 | 6,159 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1600% | 5,881 |
| Cost of funding earning assets | 0.2590% | 5,236 |
| Net interest margin | 2.9010% | 5,643 |
| Noninterest income to average assets | 0.2803% | 5,111 |
| Noninterest expense to average assets | 2.5104% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4604% | 4,966 |
| Return on assets (ROA) | 0.4604% | 5,059 |
| Pretax return on assets | 0.4604% | 5,357 |
| Return on Equity (ROE) | 6.3424% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.5848% | 3,672 |
| Net charge-offs to loans | -0.0245% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5013% | 1,342 |
| Assets per employee ($millions) | 4.9736% | 2,352 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,931 |
| Loan loss allowance to noncurrent loans | 67.3554% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 1,648 |
| Noncurrent loans to loans | 1.7977% | 1,600 |
| Net loans and leases to total assets | 53.4784% | 4,638 |
| Net loans and leases to deposits | 61.7524% | 4,748 |
| Net loans and leases to core deposits | 61.7524% | 5,017 |
| Total domestic deposits to total assets | 86.6013% | 2,508 |
| Equity capital to assets | 7.3307% | 6,276 |
| Core capital (leverage) ratio | 7.4136% | 6,233 |
| Tier 1 risk-based capital ratio | 11.7552% | 5,511 |
| Total risk-based capital ratio | 12.8063% | 5,541 |
| Memoranda: | ||
| Average total assets | $24,975,800 | 6,341 |
| Average earning assets | $23,164,600 | 6,313 |
| Average equity | $1,813,200 | 6,424 |
| Average total loans | $12,224,000 | 6,246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1586% | 5,947 |
| Cost of funding earning assets | 0.2594% | 5,309 |
| Net interest margin | 2.8992% | 5,703 |
| Noninterest income to average assets | 0.2773% | 5,220 |
| Noninterest expense to average assets | 2.3623% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5973% | 4,455 |
| Return on assets (ROA) | 0.5973% | 4,542 |
| Pretax return on assets | 0.5973% | 5,043 |
| Return on Equity (ROE) | 8.2469% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.2469% | 1,245 |
| Net charge-offs to loans | -0.0224% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8198% | 1,943 |
| Assets per employee ($millions) | 4.7962% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 3,387 |
| Loan loss allowance to noncurrent loans | 39.7059% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 1,769 |
| Noncurrent loans to loans | 3.4065% | 715 |
| Net loans and leases to total assets | 49.2682% | 5,080 |
| Net loans and leases to deposits | 53.4615% | 5,425 |
| Net loans and leases to core deposits | 53.4615% | 5,598 |
| Total domestic deposits to total assets | 92.1563% | 138 |
| Equity capital to assets | 7.7978% | 6,213 |
| Core capital (leverage) ratio | 7.5543% | 6,259 |
| Tier 1 risk-based capital ratio | 13.3945% | 4,608 |
| Total risk-based capital ratio | 14.5548% | 4,609 |
| Memoranda: | ||
| Average total assets | $25,002,750 | 6,415 |
| Average earning assets | $23,132,250 | 6,390 |
| Average equity | $1,810,750 | 6,500 |
| Average total loans | $11,914,500 | 6,323 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0571% | 6,123 |
| Cost of funding earning assets | 0.2569% | 5,411 |
| Net interest margin | 2.8002% | 5,910 |
| Noninterest income to average assets | 0.2604% | 5,333 |
| Noninterest expense to average assets | 2.2491% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5919% | 4,395 |
| Return on assets (ROA) | 0.5919% | 4,490 |
| Pretax return on assets | 0.5919% | 4,978 |
| Return on Equity (ROE) | 8.3752% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.3752% | 1,181 |
| Net charge-offs to loans | -0.0336% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1667% | 2,143 |
| Assets per employee ($millions) | 5.0998% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 3,746 |
| Loan loss allowance to noncurrent loans | 36.0802% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 1,842 |
| Noncurrent loans to loans | 3.6626% | 705 |
| Net loans and leases to total assets | 47.4411% | 5,225 |
| Net loans and leases to deposits | 51.1415% | 5,550 |
| Net loans and leases to core deposits | 51.1415% | 5,726 |
| Total domestic deposits to total assets | 92.7644% | 100 |
| Equity capital to assets | 7.1885% | 6,414 |
| Core capital (leverage) ratio | 7.1944% | 6,394 |
| Tier 1 risk-based capital ratio | 12.6545% | 5,116 |
| Total risk-based capital ratio | 13.7729% | 5,136 |
| Memoranda: | ||
| Average total assets | $25,343,330 | 6,476 |
| Average earning assets | $23,355,330 | 6,452 |
| Average equity | $1,791,000 | 6,563 |
| Average total loans | $11,893,670 | 6,384 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 6,297 |
| Cost of funding earning assets | 0.2578% | 5,514 |
| Net interest margin | 2.6813% | 6,129 |
| Noninterest income to average assets | 0.2533% | 5,342 |
| Noninterest expense to average assets | 2.3431% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3800% | 5,192 |
| Return on assets (ROA) | 0.3800% | 5,266 |
| Pretax return on assets | 0.3800% | 5,516 |
| Return on Equity (ROE) | 5.4237% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.4237% | 2,838 |
| Net charge-offs to loans | -0.0683% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 1,448 |
| Assets per employee ($millions) | 5.0590% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 3,672 |
| Loan loss allowance to noncurrent loans | 38.9423% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 2,148 |
| Noncurrent loans to loans | 3.5592% | 808 |
| Net loans and leases to total assets | 45.5663% | 5,378 |
| Net loans and leases to deposits | 49.0468% | 5,664 |
| Net loans and leases to core deposits | 49.0468% | 5,827 |
| Total domestic deposits to total assets | 92.9037% | 124 |
| Equity capital to assets | 7.0449% | 6,438 |
| Core capital (leverage) ratio | 7.1033% | 6,448 |
| Tier 1 risk-based capital ratio | 12.8100% | 5,114 |
| Total risk-based capital ratio | 13.9746% | 5,110 |
| Memoranda: | ||
| Average total assets | $25,265,500 | 6,545 |
| Average earning assets | $23,272,500 | 6,519 |
| Average equity | $1,770,000 | 6,633 |
| Average total loans | $11,711,000 | 6,454 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1228% | 6,216 |
| Cost of funding earning assets | 0.3865% | 4,785 |
| Net interest margin | 2.7363% | 6,092 |
| Noninterest income to average assets | 0.2643% | 5,453 |
| Noninterest expense to average assets | 2.2680% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4260% | 5,052 |
| Return on assets (ROA) | 0.4260% | 5,166 |
| Pretax return on assets | 0.4536% | 5,348 |
| Return on Equity (ROE) | 6.2069% | 3,970 |
| Retained earnings to average equity (ytd only) | 3.3333% | 3,863 |
| Net charge-offs to loans | 0.1393% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,795 |
| Efficiency ratio | 83.3333% | 1,707 |
| Assets per employee ($millions) | 5.0472% | 2,131 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,830 |
| Loan loss allowance to noncurrent loans | 26.7559% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 2.3696% | 1,465 |
| Noncurrent loans to loans | 5.0963% | 479 |
| Net loans and leases to total assets | 45.8631% | 5,503 |
| Net loans and leases to deposits | 53.9153% | 5,477 |
| Net loans and leases to core deposits | 53.9153% | 5,678 |
| Total domestic deposits to total assets | 85.0650% | 3,706 |
| Equity capital to assets | 6.9662% | 6,463 |
| Core capital (leverage) ratio | 6.9486% | 6,534 |
| Tier 1 risk-based capital ratio | 12.5509% | 5,256 |
| Total risk-based capital ratio | 13.6932% | 5,269 |
| Memoranda: | ||
| Average total assets | $25,352,600 | 6,619 |
| Average earning assets | $22,767,800 | 6,603 |
| Average equity | $1,740,000 | 6,728 |
| Average total loans | $10,766,800 | 6,559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1041% | 6,313 |
| Cost of funding earning assets | 0.4115% | 4,707 |
| Net interest margin | 2.6926% | 6,189 |
| Noninterest income to average assets | 0.2469% | 5,667 |
| Noninterest expense to average assets | 2.1905% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4360% | 5,087 |
| Return on assets (ROA) | 0.4360% | 5,235 |
| Pretax return on assets | 0.4623% | 5,470 |
| Return on Equity (ROE) | 6.3763% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.3763% | 2,197 |
| Net charge-offs to loans | 0.2027% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.5007% | 3,177 |
| Efficiency ratio | 82.5743% | 1,744 |
| Assets per employee ($millions) | 5.0966% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 4,048 |
| Loan loss allowance to noncurrent loans | 42.4000% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 2,734 |
| Noncurrent loans to loans | 3.2203% | 1,220 |
| Net loans and leases to total assets | 45.0732% | 5,623 |
| Net loans and leases to deposits | 52.0105% | 5,707 |
| Net loans and leases to core deposits | 52.0105% | 5,889 |
| Total domestic deposits to total assets | 86.6617% | 2,881 |
| Equity capital to assets | 6.9968% | 6,554 |
| Core capital (leverage) ratio | 6.9968% | 6,587 |
| Tier 1 risk-based capital ratio | 12.9372% | 5,163 |
| Total risk-based capital ratio | 14.0908% | 5,171 |
| Memoranda: | ||
| Average total assets | $25,381,750 | 6,693 |
| Average earning assets | $22,678,750 | 6,681 |
| Average equity | $1,735,500 | 6,807 |
| Average total loans | $10,525,000 | 6,642 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 6,354 |
| Cost of funding earning assets | 0.4474% | 4,455 |
| Net interest margin | 2.6397% | 6,284 |
| Noninterest income to average assets | 0.2367% | 5,751 |
| Noninterest expense to average assets | 2.1698% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3551% | 5,387 |
| Return on assets (ROA) | 0.3551% | 5,567 |
| Pretax return on assets | 0.3945% | 5,651 |
| Return on Equity (ROE) | 5.2336% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.2336% | 2,899 |
| Net charge-offs to loans | 0.2167% | 2,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 3,100 |
| Efficiency ratio | 84.6154% | 1,564 |
| Assets per employee ($millions) | 5.1566% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,659 |
| Loan loss allowance to noncurrent loans | 47.8134% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 3,112 |
| Noncurrent loans to loans | 3.1024% | 1,425 |
| Net loans and leases to total assets | 42.2449% | 5,882 |
| Net loans and leases to deposits | 47.3195% | 6,028 |
| Net loans and leases to core deposits | 47.3195% | 6,158 |
| Total domestic deposits to total assets | 89.2759% | 1,465 |
| Equity capital to assets | 6.7680% | 6,640 |
| Core capital (leverage) ratio | 6.8731% | 6,642 |
| Tier 1 risk-based capital ratio | 13.3481% | 4,878 |
| Total risk-based capital ratio | 14.5950% | 4,828 |
| Memoranda: | ||
| Average total assets | $25,348,000 | 6,741 |
| Average earning assets | $22,351,330 | 6,741 |
| Average equity | $1,719,670 | 6,858 |
| Average total loans | $10,151,670 | 6,698 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1288% | 6,373 |
| Cost of funding earning assets | 0.4969% | 4,123 |
| Net interest margin | 2.6319% | 6,329 |
| Noninterest income to average assets | 0.2388% | 5,755 |
| Noninterest expense to average assets | 2.2602% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2228% | 5,812 |
| Return on assets (ROA) | 0.2228% | 5,938 |
| Pretax return on assets | 0.2547% | 5,944 |
| Return on Equity (ROE) | 3.2806% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.2806% | 4,283 |
| Net charge-offs to loans | 0.6186% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0667% | 3,482 |
| Efficiency ratio | 89.8734% | 1,157 |
| Assets per employee ($millions) | 5.1188% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 3,046 |
| Loan loss allowance to noncurrent loans | 44.5682% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 3,170 |
| Noncurrent loans to loans | 3.7941% | 1,215 |
| Net loans and leases to total assets | 36.3445% | 6,272 |
| Net loans and leases to deposits | 38.9907% | 6,464 |
| Net loans and leases to core deposits | 38.9907% | 6,522 |
| Total domestic deposits to total assets | 93.2133% | 113 |
| Equity capital to assets | 6.6969% | 6,761 |
| Core capital (leverage) ratio | 6.5862% | 6,732 |
| Tier 1 risk-based capital ratio | 14.6471% | 4,067 |
| Total risk-based capital ratio | 15.8947% | 4,036 |
| Memoranda: | ||
| Average total assets | $25,130,500 | 6,813 |
| Average earning assets | $21,733,500 | 6,819 |
| Average equity | $1,707,000 | 6,925 |
| Average total loans | $9,699,500 | 6,786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 5,648 |
| Cost of funding earning assets | 0.7207% | 3,320 |
| Net interest margin | 3.1548% | 5,676 |
| Noninterest income to average assets | 0.2595% | 5,609 |
| Noninterest expense to average assets | 2.4751% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5066% | 4,661 |
| Return on assets (ROA) | 0.5066% | 4,925 |
| Pretax return on assets | 0.5066% | 5,261 |
| Return on Equity (ROE) | 7.1921% | 3,535 |
| Retained earnings to average equity (ytd only) | 2.5143% | 4,457 |
| Net charge-offs to loans | 0.0900% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,803 |
| Efficiency ratio | 83.0110% | 1,745 |
| Assets per employee ($millions) | 4.9334% | 2,314 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 2,717 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 4,444 |
| Noncurrent loans to loans | 2.0127% | 2,684 |
| Net loans and leases to total assets | 39.5751% | 6,203 |
| Net loans and leases to deposits | 43.4910% | 6,399 |
| Net loans and leases to core deposits | 43.4910% | 6,488 |
| Total domestic deposits to total assets | 90.9961% | 495 |
| Equity capital to assets | 6.8918% | 6,791 |
| Core capital (leverage) ratio | 6.7656% | 6,750 |
| Tier 1 risk-based capital ratio | 14.3062% | 4,161 |
| Total risk-based capital ratio | 15.5600% | 4,118 |
| Memoranda: | ||
| Average total assets | $24,281,600 | 6,887 |
| Average earning assets | $20,952,000 | 6,885 |
| Average equity | $1,710,200 | 6,999 |
| Average total loans | $10,004,000 | 6,848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 5,707 |
| Cost of funding earning assets | 0.7491% | 3,361 |
| Net interest margin | 3.1836% | 5,739 |
| Noninterest income to average assets | 0.2646% | 5,661 |
| Noninterest expense to average assets | 2.3264% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6560% | 4,110 |
| Return on assets (ROA) | 0.6560% | 4,377 |
| Pretax return on assets | 0.6560% | 4,990 |
| Return on Equity (ROE) | 9.2635% | 2,691 |
| Retained earnings to average equity (ytd only) | 9.2635% | 1,133 |
| Net charge-offs to loans | 0.1330% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 11.9025% | 2,041 |
| Efficiency ratio | 78.0037% | 2,401 |
| Assets per employee ($millions) | 4.9032% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,818 |
| Loan loss allowance to noncurrent loans | 46.7742% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.5174% | 3,306 |
| Noncurrent loans to loans | 3.8303% | 1,377 |
| Net loans and leases to total assets | 38.9052% | 6,357 |
| Net loans and leases to deposits | 41.9936% | 6,596 |
| Net loans and leases to core deposits | 41.9936% | 6,670 |
| Total domestic deposits to total assets | 92.6456% | 142 |
| Equity capital to assets | 7.2442% | 6,832 |
| Core capital (leverage) ratio | 7.1891% | 6,755 |
| Tier 1 risk-based capital ratio | 15.0598% | 3,807 |
| Total risk-based capital ratio | 16.3148% | 3,756 |
| Memoranda: | ||
| Average total assets | $24,185,250 | 6,976 |
| Average earning assets | $20,647,250 | 6,980 |
| Average equity | $1,712,750 | 7,091 |
| Average total loans | $10,020,750 | 6,936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 5,522 |
| Cost of funding earning assets | 0.7898% | 3,274 |
| Net interest margin | 3.2480% | 5,602 |
| Noninterest income to average assets | 0.2575% | 5,735 |
| Noninterest expense to average assets | 2.4091% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5815% | 4,448 |
| Return on assets (ROA) | 0.5815% | 4,716 |
| Pretax return on assets | 0.5815% | 5,205 |
| Return on Equity (ROE) | 8.2758% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.2758% | 1,537 |
| Net charge-offs to loans | -0.1383% | 6,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5556% | 2,092 |
| Assets per employee ($millions) | 6.1710% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,272 |
| Loan loss allowance to noncurrent loans | 59.8746% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 3,840 |
| Noncurrent loans to loans | 3.3122% | 1,759 |
| Net loans and leases to total assets | 38.2434% | 6,464 |
| Net loans and leases to deposits | 41.1778% | 6,694 |
| Net loans and leases to core deposits | 41.1778% | 6,767 |
| Total domestic deposits to total assets | 92.8739% | 133 |
| Equity capital to assets | 6.9964% | 6,912 |
| Core capital (leverage) ratio | 7.0055% | 6,818 |
| Tier 1 risk-based capital ratio | 14.8559% | 3,860 |
| Total risk-based capital ratio | 16.1118% | 3,813 |
| Memoranda: | ||
| Average total assets | $24,075,000 | 7,039 |
| Average earning assets | $20,258,670 | 7,046 |
| Average equity | $1,691,670 | 7,147 |
| Average total loans | $10,123,670 | 6,992 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 4,964 |
| Cost of funding earning assets | 0.8479% | 3,084 |
| Net interest margin | 3.3916% | 5,151 |
| Noninterest income to average assets | 0.2692% | 5,724 |
| Noninterest expense to average assets | 2.5241% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5721% | 4,482 |
| Return on assets (ROA) | 0.5721% | 4,706 |
| Pretax return on assets | 0.5721% | 5,210 |
| Return on Equity (ROE) | 8.1243% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.1243% | 1,937 |
| Net charge-offs to loans | -0.1543% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5217% | 2,000 |
| Assets per employee ($millions) | 5.0248% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 2,156 |
| Loan loss allowance to noncurrent loans | 216.0920% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 6,018 |
| Noncurrent loans to loans | 0.9607% | 4,755 |
| Net loans and leases to total assets | 35.2969% | 6,672 |
| Net loans and leases to deposits | 37.8974% | 6,819 |
| Net loans and leases to core deposits | 37.8974% | 6,883 |
| Total domestic deposits to total assets | 93.1380% | 135 |
| Equity capital to assets | 6.7306% | 6,973 |
| Core capital (leverage) ratio | 6.8695% | 6,887 |
| Tier 1 risk-based capital ratio | 15.0378% | 3,738 |
| Total risk-based capital ratio | 16.2917% | 3,687 |
| Memoranda: | ||
| Average total assets | $23,770,500 | 7,104 |
| Average earning assets | $19,813,500 | 7,117 |
| Average equity | $1,674,000 | 7,206 |
| Average total loans | $10,370,000 | 7,046 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 2,650 |
| Cost of funding earning assets | 1.1159% | 2,568 |
| Net interest margin | 3.9345% | 3,186 |
| Noninterest income to average assets | 0.2933% | 5,433 |
| Noninterest expense to average assets | 2.9965% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6419% | 3,777 |
| Return on assets (ROA) | 0.6589% | 3,882 |
| Pretax return on assets | 0.7040% | 4,313 |
| Return on Equity (ROE) | 8.8324% | 2,534 |
| Retained earnings to average equity (ytd only) | 3.9927% | 3,350 |
| Net charge-offs to loans | -0.0392% | 7,028 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3725% | 2,103 |
| Assets per employee ($millions) | 4.4834% | 2,940 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,681 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 5,684 |
| Noncurrent loans to loans | 0.9843% | 4,740 |
| Net loans and leases to total assets | 51.3004% | 5,427 |
| Net loans and leases to deposits | 55.4966% | 5,933 |
| Net loans and leases to core deposits | 55.4966% | 6,191 |
| Total domestic deposits to total assets | 92.4388% | 187 |
| Equity capital to assets | 7.3917% | 6,860 |
| Core capital (leverage) ratio | 7.2065% | 6,787 |
| Tier 1 risk-based capital ratio | 12.9000% | 5,154 |
| Total risk-based capital ratio | 14.1534% | 5,130 |
| Memoranda: | ||
| Average total assets | $22,159,200 | 7,159 |
| Average earning assets | $19,087,800 | 7,159 |
| Average equity | $1,653,000 | 7,264 |
| Average total loans | $12,741,600 | 7,003 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 3,048 |
| Cost of funding earning assets | 1.1867% | 2,406 |
| Net interest margin | 3.8214% | 3,759 |
| Noninterest income to average assets | 0.3078% | 5,393 |
| Noninterest expense to average assets | 2.8905% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6336% | 3,950 |
| Return on assets (ROA) | 0.6336% | 4,135 |
| Pretax return on assets | 0.6819% | 4,545 |
| Return on Equity (ROE) | 8.4746% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.4746% | 1,325 |
| Net charge-offs to loans | -0.0102% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9122% | 2,120 |
| Assets per employee ($millions) | 4.3750% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 4,275 |
| Loan loss allowance to noncurrent loans | 49.8615% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.6503% | 3,609 |
| Noncurrent loans to loans | 2.9335% | 2,376 |
| Net loans and leases to total assets | 55.4331% | 4,932 |
| Net loans and leases to deposits | 60.2115% | 5,606 |
| Net loans and leases to core deposits | 60.2115% | 5,980 |
| Total domestic deposits to total assets | 92.0640% | 206 |
| Equity capital to assets | 7.7531% | 6,823 |
| Core capital (leverage) ratio | 7.7129% | 6,631 |
| Tier 1 risk-based capital ratio | 12.7337% | 5,307 |
| Total risk-based capital ratio | 14.0551% | 5,230 |
| Memoranda: | ||
| Average total assets | $22,094,750 | 7,232 |
| Average earning assets | $18,875,750 | 7,237 |
| Average equity | $1,652,000 | 7,338 |
| Average total loans | $13,006,000 | 7,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 2,487 |
| Cost of funding earning assets | 1.2098% | 2,506 |
| Net interest margin | 3.9346% | 3,151 |
| Noninterest income to average assets | 0.3067% | 5,443 |
| Noninterest expense to average assets | 2.7607% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8751% | 2,748 |
| Return on assets (ROA) | 0.8751% | 2,846 |
| Pretax return on assets | 0.9202% | 3,547 |
| Return on Equity (ROE) | 11.8486% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.8486% | 536 |
| Net charge-offs to loans | 0.0755% | 4,888 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,190 |
| Efficiency ratio | 75.0000% | 3,175 |
| Assets per employee ($millions) | 4.3800% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,456 |
| Loan loss allowance to noncurrent loans | 69.6000% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 4,606 |
| Noncurrent loans to loans | 2.0493% | 3,413 |
| Net loans and leases to total assets | 54.9087% | 5,161 |
| Net loans and leases to deposits | 59.6360% | 5,765 |
| Net loans and leases to core deposits | 59.6360% | 6,121 |
| Total domestic deposits to total assets | 92.0731% | 222 |
| Equity capital to assets | 7.7078% | 6,851 |
| Core capital (leverage) ratio | 7.5099% | 6,738 |
| Tier 1 risk-based capital ratio | 12.7956% | 5,100 |
| Total risk-based capital ratio | 14.1146% | 5,004 |
| Memoranda: | ||
| Average total assets | $22,168,000 | 7,302 |
| Average earning assets | $19,010,670 | 7,307 |
| Average equity | $1,637,330 | 7,409 |
| Average total loans | $13,239,330 | 7,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 3,034 |
| Cost of funding earning assets | 1.2383% | 2,579 |
| Net interest margin | 3.7769% | 3,725 |
| Noninterest income to average assets | 0.3228% | 5,342 |
| Noninterest expense to average assets | 2.8159% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7533% | 3,257 |
| Return on assets (ROA) | 0.7533% | 3,321 |
| Pretax return on assets | 0.7892% | 3,942 |
| Return on Equity (ROE) | 10.4218% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.4218% | 1,017 |
| Net charge-offs to loans | 0.2326% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,269 |
| Efficiency ratio | 78.1095% | 2,828 |
| Assets per employee ($millions) | 4.6210% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 5,188 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 5,961 |
| Noncurrent loans to loans | 0.8818% | 5,283 |
| Net loans and leases to total assets | 56.6847% | 4,874 |
| Net loans and leases to deposits | 61.1438% | 5,603 |
| Net loans and leases to core deposits | 61.1438% | 6,002 |
| Total domestic deposits to total assets | 92.7072% | 161 |
| Equity capital to assets | 7.0677% | 7,065 |
| Core capital (leverage) ratio | 7.1279% | 6,949 |
| Tier 1 risk-based capital ratio | 11.5309% | 6,075 |
| Total risk-based capital ratio | 12.7383% | 6,092 |
| Memoranda: | ||
| Average total assets | $22,302,000 | 7,352 |
| Average earning assets | $19,381,000 | 7,354 |
| Average equity | $1,612,000 | 7,465 |
| Average total loans | $13,759,500 | 7,154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 2,327 |
| Cost of funding earning assets | 1.5856% | 2,158 |
| Net interest margin | 3.9046% | 3,466 |
| Noninterest income to average assets | 0.3379% | 5,368 |
| Noninterest expense to average assets | 2.7949% | 4,627 |
| Loan and lease loss provision to assets | 0.1370% | 5,804 |
| Net operating income to assets | 0.7124% | 3,182 |
| Return on assets (ROA) | 0.7124% | 3,314 |
| Pretax return on assets | 0.7124% | 3,930 |
| Return on Equity (ROE) | 9.8560% | 1,983 |
| Retained earnings to average equity (ytd only) | 4.8016% | 2,545 |
| Net charge-offs to loans | 0.0508% | 6,284 |
| Credit loss provision to net charge-offs | 428.5714% | 546 |
| Earnings coverage of net charge-offs (x) | 26.5714% | 817 |
| Efficiency ratio | 76.6917% | 2,930 |
| Assets per employee ($millions) | 4.2998% | 3,207 |
| Cash dividends to net income (ytd only)* | 51.2821% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 5,221 |
| Loan loss allowance to noncurrent loans | 150.4202% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 5,922 |
| Noncurrent loans to loans | 0.8350% | 5,384 |
| Net loans and leases to total assets | 65.4542% | 3,566 |
| Net loans and leases to deposits | 70.8560% | 4,707 |
| Net loans and leases to core deposits | 70.8560% | 5,352 |
| Total domestic deposits to total assets | 92.3764% | 205 |
| Equity capital to assets | 7.4003% | 6,936 |
| Core capital (leverage) ratio | 7.1416% | 6,947 |
| Tier 1 risk-based capital ratio | 10.8445% | 6,453 |
| Total risk-based capital ratio | 12.0646% | 6,441 |
| Memoranda: | ||
| Average total assets | $21,897,400 | 7,423 |
| Average earning assets | $18,542,200 | 7,437 |
| Average equity | $1,582,800 | 7,568 |
| Average total loans | $13,768,400 | 7,217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5372% | 2,298 |
| Cost of funding earning assets | 1.6634% | 2,032 |
| Net interest margin | 3.8739% | 3,645 |
| Noninterest income to average assets | 0.3334% | 5,495 |
| Noninterest expense to average assets | 2.6306% | 5,194 |
| Loan and lease loss provision to assets | 0.0606% | 6,461 |
| Net operating income to assets | 0.8607% | 2,778 |
| Return on assets (ROA) | 0.8607% | 2,909 |
| Pretax return on assets | 0.8607% | 3,700 |
| Return on Equity (ROE) | 11.9772% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.9772% | 463 |
| Net charge-offs to loans | 0.0977% | 5,549 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 15.2033% | 1,455 |
| Efficiency ratio | 74.0614% | 3,322 |
| Assets per employee ($millions) | 4.4718% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,850 |
| Loan loss allowance to noncurrent loans | 140.5405% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 6,186 |
| Noncurrent loans to loans | 0.7981% | 5,619 |
| Net loans and leases to total assets | 61.5054% | 4,630 |
| Net loans and leases to deposits | 66.6215% | 5,591 |
| Net loans and leases to core deposits | 66.6215% | 6,072 |
| Total domestic deposits to total assets | 92.3208% | 146 |
| Equity capital to assets | 7.4109% | 7,177 |
| Core capital (leverage) ratio | 7.5090% | 6,838 |
| Tier 1 risk-based capital ratio | 11.2568% | 6,138 |
| Total risk-based capital ratio | 12.3166% | 6,305 |
| Memoranda: | ||
| Average total assets | $21,997,000 | 7,514 |
| Average earning assets | $18,275,750 | 7,540 |
| Average equity | $1,580,750 | 7,671 |
| Average total loans | $13,647,750 | 7,317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5540% | 2,318 |
| Cost of funding earning assets | 1.7440% | 1,901 |
| Net interest margin | 3.8101% | 3,851 |
| Noninterest income to average assets | 0.3017% | 5,741 |
| Noninterest expense to average assets | 2.6513% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7862% | 3,038 |
| Return on assets (ROA) | 0.7862% | 3,184 |
| Pretax return on assets | 0.7862% | 3,929 |
| Return on Equity (ROE) | 11.0587% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.0587% | 644 |
| Net charge-offs to loans | -0.0442% | 7,427 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1277% | 2,875 |
| Assets per employee ($millions) | 4.3968% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 5,643 |
| Loan loss allowance to noncurrent loans | 143.2432% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 6,191 |
| Noncurrent loans to loans | 0.8114% | 5,652 |
| Net loans and leases to total assets | 61.5038% | 4,779 |
| Net loans and leases to deposits | 66.5731% | 5,738 |
| Net loans and leases to core deposits | 66.5731% | 6,198 |
| Total domestic deposits to total assets | 92.3854% | 167 |
| Equity capital to assets | 7.2826% | 7,236 |
| Core capital (leverage) ratio | 7.1445% | 7,099 |
| Tier 1 risk-based capital ratio | 11.1065% | 6,133 |
| Total risk-based capital ratio | 12.2095% | 6,272 |
| Memoranda: | ||
| Average total assets | $21,876,330 | 7,583 |
| Average earning assets | $18,005,000 | 7,612 |
| Average equity | $1,555,330 | 7,744 |
| Average total loans | $13,561,000 | 7,373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 2,575 |
| Cost of funding earning assets | 1.8112% | 1,833 |
| Net interest margin | 3.6894% | 4,303 |
| Noninterest income to average assets | 0.2933% | 5,798 |
| Noninterest expense to average assets | 2.6761% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6415% | 3,702 |
| Return on assets (ROA) | 0.6415% | 3,819 |
| Pretax return on assets | 0.6415% | 4,445 |
| Return on Equity (ROE) | 9.1354% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.1354% | 1,362 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6630% | 2,461 |
| Assets per employee ($millions) | 4.5450% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 5,426 |
| Loan loss allowance to noncurrent loans | 107.5862% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 5,925 |
| Noncurrent loans to loans | 1.1295% | 5,104 |
| Net loans and leases to total assets | 55.8064% | 5,774 |
| Net loans and leases to deposits | 60.0900% | 6,459 |
| Net loans and leases to core deposits | 60.0900% | 6,740 |
| Total domestic deposits to total assets | 92.8713% | 133 |
| Equity capital to assets | 6.8207% | 7,440 |
| Core capital (leverage) ratio | 6.9905% | 7,258 |
| Tier 1 risk-based capital ratio | 11.2254% | 5,929 |
| Total risk-based capital ratio | 12.3552% | 6,023 |
| Memoranda: | ||
| Average total assets | $21,822,500 | 7,680 |
| Average earning assets | $17,889,000 | 7,710 |
| Average equity | $1,532,500 | 7,833 |
| Average total loans | $13,501,500 | 7,469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 2,579 |
| Cost of funding earning assets | 1.9599% | 3,157 |
| Net interest margin | 3.8597% | 3,440 |
| Noninterest income to average assets | 0.4127% | 5,103 |
| Noninterest expense to average assets | 2.9910% | 4,180 |
| Loan and lease loss provision to assets | 0.3156% | 4,924 |
| Net operating income to assets | 0.5147% | 3,673 |
| Return on assets (ROA) | 0.5147% | 3,769 |
| Pretax return on assets | 0.5390% | 4,081 |
| Return on Equity (ROE) | 6.9590% | 2,805 |
| Retained earnings to average equity (ytd only) | 1.7069% | 3,885 |
| Net charge-offs to loans | 0.3466% | 4,498 |
| Credit loss provision to net charge-offs | 135.4167% | 3,657 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,252 |
| Efficiency ratio | 77.7778% | 3,230 |
| Assets per employee ($millions) | 4.1840% | 3,470 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,895 |
| Loan loss allowance to noncurrent loans | 107.5862% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 5,720 |
| Noncurrent loans to loans | 1.0236% | 5,265 |
| Net loans and leases to total assets | 66.9646% | 3,934 |
| Net loans and leases to deposits | 72.4354% | 5,267 |
| Net loans and leases to core deposits | 84.9236% | 5,628 |
| Total domestic deposits to total assets | 92.4474% | 192 |
| Equity capital to assets | 7.2419% | 7,241 |
| Core capital (leverage) ratio | 7.1567% | 7,107 |
| Tier 1 risk-based capital ratio | 10.3767% | 6,513 |
| Total risk-based capital ratio | 11.4452% | 6,664 |
| Memoranda: | ||
| Average total assets | $20,595,400 | 7,757 |
| Average earning assets | $18,317,600 | 7,752 |
| Average equity | $1,523,200 | 7,925 |
| Average total loans | $13,849,800 | 7,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7603% | 3,061 |
| Cost of funding earning assets | 2.0099% | 3,306 |
| Net interest margin | 3.7504% | 3,864 |
| Noninterest income to average assets | 0.4419% | 4,954 |
| Noninterest expense to average assets | 2.9637% | 4,189 |
| Loan and lease loss provision to assets | 0.4224% | 3,792 |
| Net operating income to assets | 0.3770% | 4,490 |
| Return on assets (ROA) | 0.3770% | 4,591 |
| Pretax return on assets | 0.4029% | 4,797 |
| Return on Equity (ROE) | 5.0700% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.0700% | 2,447 |
| Net charge-offs to loans | 0.5712% | 2,966 |
| Credit loss provision to net charge-offs | 110.1695% | 4,618 |
| Earnings coverage of net charge-offs (x) | 2.1527% | 4,214 |
| Efficiency ratio | 78.2161% | 3,130 |
| Assets per employee ($millions) | 4.0532% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 6,141 |
| Loan loss allowance to noncurrent loans | 71.0784% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 5,064 |
| Noncurrent loans to loans | 1.4404% | 4,511 |
| Net loans and leases to total assets | 69.1700% | 3,680 |
| Net loans and leases to deposits | 75.1837% | 5,184 |
| Net loans and leases to core deposits | 86.9387% | 5,768 |
| Total domestic deposits to total assets | 92.0014% | 176 |
| Equity capital to assets | 7.6335% | 7,204 |
| Core capital (leverage) ratio | 7.5655% | 6,903 |
| Tier 1 risk-based capital ratio | 10.7363% | 6,219 |
| Total risk-based capital ratio | 11.7427% | 6,432 |
| Memoranda: | ||
| Average total assets | $20,514,250 | 7,832 |
| Average earning assets | $18,308,750 | 7,831 |
| Average equity | $1,525,250 | 8,008 |
| Average total loans | $13,771,000 | 7,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8211% | 2,952 |
| Cost of funding earning assets | 2.0695% | 3,422 |
| Net interest margin | 3.7516% | 3,749 |
| Noninterest income to average assets | 0.4661% | 4,740 |
| Noninterest expense to average assets | 2.8062% | 4,937 |
| Loan and lease loss provision to assets | 0.6312% | 2,535 |
| Net operating income to assets | 0.2913% | 4,931 |
| Return on assets (ROA) | 0.2913% | 5,040 |
| Pretax return on assets | 0.3204% | 5,162 |
| Return on Equity (ROE) | 3.9526% | 4,516 |
| Retained earnings to average equity (ytd only) | 3.9526% | 3,083 |
| Net charge-offs to loans | 0.9237% | 1,862 |
| Credit loss provision to net charge-offs | 103.1746% | 4,446 |
| Earnings coverage of net charge-offs (x) | 1.5556% | 4,372 |
| Efficiency ratio | 74.6770% | 3,924 |
| Assets per employee ($millions) | 4.1512% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,036 |
| Loan loss allowance to noncurrent loans | 75.8065% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 5,193 |
| Noncurrent loans to loans | 1.3546% | 4,503 |
| Net loans and leases to total assets | 65.4750% | 4,669 |
| Net loans and leases to deposits | 70.9661% | 5,874 |
| Net loans and leases to core deposits | 83.1549% | 6,148 |
| Total domestic deposits to total assets | 92.2625% | 173 |
| Equity capital to assets | 7.3184% | 7,406 |
| Core capital (leverage) ratio | 7.2295% | 7,322 |
| Tier 1 risk-based capital ratio | 10.7441% | 6,145 |
| Total risk-based capital ratio | 11.7414% | 6,332 |
| Memoranda: | ||
| Average total assets | $20,597,000 | 7,907 |
| Average earning assets | $18,072,330 | 7,917 |
| Average equity | $1,518,000 | 8,094 |
| Average total loans | $13,640,330 | 7,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1773% | 1,666 |
| Cost of funding earning assets | 2.1048% | 3,628 |
| Net interest margin | 4.0724% | 2,396 |
| Noninterest income to average assets | 0.4874% | 4,439 |
| Noninterest expense to average assets | 2.8074% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1112% | 1,918 |
| Return on assets (ROA) | 1.1112% | 2,046 |
| Pretax return on assets | 1.1502% | 2,801 |
| Return on Equity (ROE) | 15.0247% | 971 |
| Retained earnings to average equity (ytd only) | 15.0247% | 413 |
| Net charge-offs to loans | 0.0588% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,070 |
| Efficiency ratio | 70.9360% | 4,389 |
| Assets per employee ($millions) | 4.2780% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 6,012 |
| Loan loss allowance to noncurrent loans | 46.7577% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 3,915 |
| Noncurrent loans to loans | 2.1869% | 2,999 |
| Net loans and leases to total assets | 61.9963% | 5,324 |
| Net loans and leases to deposits | 67.0900% | 6,262 |
| Net loans and leases to core deposits | 78.1300% | 6,525 |
| Total domestic deposits to total assets | 92.4077% | 133 |
| Equity capital to assets | 7.2277% | 7,542 |
| Core capital (leverage) ratio | 7.6467% | 6,958 |
| Tier 1 risk-based capital ratio | 11.1560% | 5,752 |
| Total risk-based capital ratio | 12.1446% | 5,906 |
| Memoranda: | ||
| Average total assets | $20,517,500 | 7,960 |
| Average earning assets | $17,483,500 | 7,979 |
| Average equity | $1,517,500 | 8,152 |
| Average total loans | $13,595,000 | 7,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6152% | 2,414 |
| Cost of funding earning assets | 2.8448% | 2,500 |
| Net interest margin | 3.7704% | 4,137 |
| Noninterest income to average assets | 0.4904% | 4,683 |
| Noninterest expense to average assets | 3.0766% | 3,797 |
| Loan and lease loss provision to assets | 0.0774% | 6,429 |
| Net operating income to assets | 0.7588% | 3,618 |
| Return on assets (ROA) | 0.7588% | 3,463 |
| Pretax return on assets | 0.7846% | 4,128 |
| Return on Equity (ROE) | 9.7700% | 2,336 |
| Retained earnings to average equity (ytd only) | 3.4561% | 2,987 |
| Net charge-offs to loans | 0.0755% | 5,679 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 1,825 |
| Efficiency ratio | 78.1127% | 2,902 |
| Assets per employee ($millions) | 3.9290% | 3,661 |
| Cash dividends to net income (ytd only)* | 64.6259% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 5,963 |
| Loan loss allowance to noncurrent loans | 90.8497% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 4,899 |
| Noncurrent loans to loans | 1.1093% | 4,334 |
| Net loans and leases to total assets | 69.4986% | 4,144 |
| Net loans and leases to deposits | 75.5019% | 5,652 |
| Net loans and leases to core deposits | 88.3175% | 5,946 |
| Total domestic deposits to total assets | 92.0489% | 128 |
| Equity capital to assets | 7.5795% | 7,318 |
| Core capital (leverage) ratio | 7.5614% | 7,130 |
| Tier 1 risk-based capital ratio | 10.7945% | 5,921 |
| Total risk-based capital ratio | 11.8022% | 6,055 |
| Memoranda: | ||
| Average total assets | $19,372,200 | 8,038 |
| Average earning assets | $17,716,800 | 8,012 |
| Average equity | $1,504,600 | 8,214 |
| Average total loans | $13,249,600 | 7,757 |