Home > The State National Bank of Groom > Performance and Condition Ratios
The State National Bank of Groom, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 1,236 |
| Cost of funding earning assets | 1.9907% | 930 |
| Net interest margin | 3.4589% | 2,281 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 3.0152% | 1,110 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1964% | 4,172 |
| Return on assets (ROA) | 0.1964% | 4,183 |
| Pretax return on assets | 0.1964% | 4,203 |
| Return on Equity (ROE) | 1.6500% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.0873% | 3,817 |
| Net charge-offs to loans | -0.0090% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.4670% | 316 |
| Assets per employee ($millions) | 4.5648% | 3,915 |
| Cash dividends to net income (ytd only)* | 34.1463% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 787 |
| Loan loss allowance to noncurrent loans | 81.7768% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8095% | 178 |
| Noncurrent loans to loans | 1.9951% | 282 |
| Net loans and leases to total assets | 47.4200% | 3,760 |
| Net loans and leases to deposits | 59.7664% | 3,535 |
| Net loans and leases to core deposits | 60.2656% | 3,754 |
| Total domestic deposits to total assets | 79.3400% | 3,560 |
| Equity capital to assets | 20.4368% | 274 |
| Core capital (leverage) ratio | 22.9076% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3400% | 162 |
| Memoranda: | ||
| Average total assets | $41,755,200 | 4,380 |
| Average earning assets | $37,121,800 | 4,363 |
| Average equity | $4,966,400 | 4,264 |
| Average total loans | $22,241,400 | 4,263 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 1,187 |
| Cost of funding earning assets | 1.9240% | 824 |
| Net interest margin | 3.4433% | 2,356 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 3.0143% | 1,052 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.1831% | 4,246 |
| Return on assets (ROA) | 0.1831% | 4,266 |
| Pretax return on assets | 0.1831% | 4,276 |
| Return on Equity (ROE) | 1.9300% | 4,201 |
| Retained earnings to average equity (ytd only) | 1.5136% | 3,839 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.8900% | 270 |
| Assets per employee ($millions) | 3.7814% | 4,248 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 874 |
| Loan loss allowance to noncurrent loans | 81.2785% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 2.1817% | 114 |
| Noncurrent loans to loans | 1.9760% | 312 |
| Net loans and leases to total assets | 57.6800% | 3,052 |
| Net loans and leases to deposits | 64.4732% | 3,231 |
| Net loans and leases to core deposits | 65.0501% | 3,479 |
| Total domestic deposits to total assets | 89.4600% | 1,086 |
| Equity capital to assets | 10.2819% | 1,658 |
| Core capital (leverage) ratio | 11.1213% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6194% | 866 |
| Memoranda: | ||
| Average total assets | $40,782,000 | 4,402 |
| Average earning assets | $36,243,750 | 4,391 |
| Average equity | $3,875,750 | 4,376 |
| Average total loans | $22,300,750 | 4,285 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 1,299 |
| Cost of funding earning assets | 1.7463% | 822 |
| Net interest margin | 3.3965% | 2,526 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.8967% | 1,217 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2681% | 4,205 |
| Return on assets (ROA) | 0.2681% | 4,233 |
| Pretax return on assets | 0.2681% | 4,259 |
| Return on Equity (ROE) | 2.8900% | 4,174 |
| Retained earnings to average equity (ytd only) | 2.2729% | 3,654 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.1145% | 325 |
| Assets per employee ($millions) | 3.9326% | 4,209 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 850 |
| Loan loss allowance to noncurrent loans | 166.9811% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5232% | 231 |
| Noncurrent loans to loans | 0.9849% | 768 |
| Net loans and leases to total assets | 53.8300% | 3,283 |
| Net loans and leases to deposits | 59.8598% | 3,427 |
| Net loans and leases to core deposits | 60.3719% | 3,611 |
| Total domestic deposits to total assets | 89.9300% | 936 |
| Equity capital to assets | 9.8866% | 1,922 |
| Core capital (leverage) ratio | 10.2875% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9343% | 823 |
| Memoranda: | ||
| Average total assets | $41,771,333 | 4,418 |
| Average earning assets | $37,450,333 | 4,405 |
| Average equity | $3,871,667 | 4,400 |
| Average total loans | $22,345,667 | 4,298 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 1,493 |
| Cost of funding earning assets | 1.3773% | 1,072 |
| Net interest margin | 3.4795% | 2,421 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.8190% | 1,394 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4559% | 3,990 |
| Return on assets (ROA) | 0.4559% | 3,940 |
| Pretax return on assets | 0.4559% | 4,048 |
| Return on Equity (ROE) | 5.0700% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.0731% | 3,009 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.8357% | 515 |
| Assets per employee ($millions) | 4.4935% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 1,071 |
| Loan loss allowance to noncurrent loans | 159.7285% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 261 |
| Noncurrent loans to loans | 0.9836% | 747 |
| Net loans and leases to total assets | 49.2200% | 3,549 |
| Net loans and leases to deposits | 53.9862% | 3,684 |
| Net loans and leases to core deposits | 54.3845% | 3,817 |
| Total domestic deposits to total assets | 91.1700% | 747 |
| Equity capital to assets | 8.6948% | 2,742 |
| Core capital (leverage) ratio | 9.5474% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4525% | 1,077 |
| Memoranda: | ||
| Average total assets | $42,994,000 | 4,478 |
| Average earning assets | $38,626,500 | 4,463 |
| Average equity | $3,863,500 | 4,463 |
| Average total loans | $22,756,500 | 4,354 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 1,434 |
| Cost of funding earning assets | 0.5858% | 960 |
| Net interest margin | 3.5313% | 1,835 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 3.1262% | 805 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.0789% | 4,521 |
| Return on assets (ROA) | 0.0789% | 4,510 |
| Pretax return on assets | 0.0789% | 4,511 |
| Return on Equity (ROE) | 0.8200% | 4,502 |
| Retained earnings to average equity (ytd only) | -4.8205% | 4,569 |
| Net charge-offs to loans | 0.0209% | 1,669 |
| Credit loss provision to net charge-offs | -600.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 2,558 |
| Efficiency ratio | 99.7710% | 150 |
| Assets per employee ($millions) | 4.1053% | 4,246 |
| Cash dividends to net income (ytd only)* | 690.9091% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,133 |
| Loan loss allowance to noncurrent loans | 265.9091% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2642% | 290 |
| Noncurrent loans to loans | 0.5728% | 1,299 |
| Net loans and leases to total assets | 55.2800% | 3,094 |
| Net loans and leases to deposits | 61.0224% | 3,269 |
| Net loans and leases to core deposits | 61.5187% | 3,419 |
| Total domestic deposits to total assets | 90.5900% | 1,115 |
| Equity capital to assets | 9.3050% | 2,149 |
| Core capital (leverage) ratio | 10.0928% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3833% | 1,067 |
| Memoranda: | ||
| Average total assets | $41,807,600 | 4,512 |
| Average earning assets | $36,530,000 | 4,512 |
| Average equity | $4,045,200 | 4,528 |
| Average total loans | $23,974,200 | 4,345 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 1,400 |
| Cost of funding earning assets | 0.4101% | 1,222 |
| Net interest margin | 3.5221% | 1,604 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 3.2066% | 686 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 0.1492% | 4,513 |
| Return on assets (ROA) | 0.1492% | 4,483 |
| Pretax return on assets | 0.1492% | 4,495 |
| Return on Equity (ROE) | 1.5300% | 4,450 |
| Retained earnings to average equity (ytd only) | -5.5588% | 4,614 |
| Net charge-offs to loans | 0.0275% | 1,273 |
| Credit loss provision to net charge-offs | -640.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,223 |
| Efficiency ratio | 98.5366% | 173 |
| Assets per employee ($millions) | 3.9801% | 4,333 |
| Cash dividends to net income (ytd only)* | 463.8298% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,635 |
| Loan loss allowance to noncurrent loans | 363.5417% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 336 |
| Noncurrent loans to loans | 0.3828% | 1,862 |
| Net loans and leases to total assets | 62.1400% | 2,271 |
| Net loans and leases to deposits | 68.8588% | 2,467 |
| Net loans and leases to core deposits | 68.8588% | 2,732 |
| Total domestic deposits to total assets | 90.2400% | 1,552 |
| Equity capital to assets | 9.6480% | 1,799 |
| Core capital (leverage) ratio | 10.3343% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7298% | 1,229 |
| Memoranda: | ||
| Average total assets | $41,996,250 | 4,542 |
| Average earning assets | $36,416,750 | 4,549 |
| Average equity | $4,101,500 | 4,568 |
| Average total loans | $24,206,750 | 4,376 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 1,484 |
| Cost of funding earning assets | 0.3583% | 1,201 |
| Net interest margin | 3.3654% | 1,699 |
| Noninterest income to average assets | 0.1919% | 4,042 |
| Noninterest expense to average assets | 3.1829% | 649 |
| Loan and lease loss provision to assets | -0.1545% | 4,655 |
| Net operating income to assets | 0.0655% | 4,544 |
| Return on assets (ROA) | 0.0655% | 4,510 |
| Pretax return on assets | 0.0655% | 4,509 |
| Return on Equity (ROE) | 0.6685% | 4,499 |
| Retained earnings to average equity (ytd only) | -9.7406% | 4,655 |
| Net charge-offs to loans | 0.0418% | 965 |
| Credit loss provision to net charge-offs | -660.0000% | 3,440 |
| Earnings coverage of net charge-offs (x) | -3.8000% | 2,122 |
| Efficiency ratio | 102.8744% | 164 |
| Assets per employee ($millions) | 4.2948% | 4,209 |
| Cash dividends to net income (ytd only)* | 1,557.1429% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,437 |
| Loan loss allowance to noncurrent loans | 333.6538% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 377 |
| Noncurrent loans to loans | 0.4468% | 1,782 |
| Net loans and leases to total assets | 53.3925% | 3,020 |
| Net loans and leases to deposits | 58.7854% | 3,153 |
| Net loans and leases to core deposits | 58.7854% | 3,364 |
| Total domestic deposits to total assets | 90.8261% | 1,322 |
| Equity capital to assets | 9.1017% | 2,315 |
| Core capital (leverage) ratio | 9.6125% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1124% | 1,159 |
| Memoranda: | ||
| Average total assets | $42,728,000 | 4,582 |
| Average earning assets | $36,845,333 | 4,601 |
| Average equity | $4,188,667 | 4,600 |
| Average total loans | $23,915,333 | 4,433 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 1,220 |
| Cost of funding earning assets | 0.3708% | 1,056 |
| Net interest margin | 3.3601% | 1,410 |
| Noninterest income to average assets | 0.2065% | 3,924 |
| Noninterest expense to average assets | 2.7969% | 1,164 |
| Loan and lease loss provision to assets | 0.0563% | 1,380 |
| Net operating income to assets | 0.1596% | 4,392 |
| Return on assets (ROA) | 0.1596% | 4,361 |
| Pretax return on assets | 0.1596% | 4,377 |
| Return on Equity (ROE) | 1.5710% | 4,331 |
| Retained earnings to average equity (ytd only) | 1.5710% | 3,664 |
| Net charge-offs to loans | 0.0495% | 796 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 1,533 |
| Efficiency ratio | 92.8349% | 430 |
| Assets per employee ($millions) | 4.4200% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 938 |
| Loan loss allowance to noncurrent loans | 329.6610% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 191 |
| Noncurrent loans to loans | 0.5352% | 1,696 |
| Net loans and leases to total assets | 49.0023% | 3,282 |
| Net loans and leases to deposits | 54.3554% | 3,391 |
| Net loans and leases to core deposits | 54.3554% | 3,567 |
| Total domestic deposits to total assets | 90.1516% | 1,479 |
| Equity capital to assets | 9.7941% | 2,053 |
| Core capital (leverage) ratio | 10.0164% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9696% | 1,050 |
| Memoranda: | ||
| Average total assets | $42,618,000 | 4,605 |
| Average earning assets | $35,594,500 | 4,635 |
| Average equity | $4,328,500 | 4,628 |
| Average total loans | $24,234,000 | 4,447 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 977 |
| Cost of funding earning assets | 0.4745% | 1,035 |
| Net interest margin | 3.7335% | 1,133 |
| Noninterest income to average assets | 0.4694% | 2,734 |
| Noninterest expense to average assets | 3.1349% | 804 |
| Loan and lease loss provision to assets | 0.0973% | 1,279 |
| Net operating income to assets | 0.4524% | 4,180 |
| Return on assets (ROA) | 0.4524% | 4,224 |
| Pretax return on assets | 0.4524% | 4,326 |
| Return on Equity (ROE) | 4.3466% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.8510% | 3,705 |
| Net charge-offs to loans | -0.0634% | 4,429 |
| Credit loss provision to net charge-offs | -250.0000% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0825% | 514 |
| Assets per employee ($millions) | 4.1036% | 4,385 |
| Cash dividends to net income (ytd only)* | 34.4086% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,693 |
| Loan loss allowance to noncurrent loans | 354.1284% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.8374% | 191 |
| Noncurrent loans to loans | 0.4126% | 2,118 |
| Net loans and leases to total assets | 63.4419% | 1,767 |
| Net loans and leases to deposits | 70.9431% | 2,025 |
| Net loans and leases to core deposits | 70.9431% | 2,360 |
| Total domestic deposits to total assets | 89.4264% | 1,281 |
| Equity capital to assets | 10.5468% | 2,127 |
| Core capital (leverage) ratio | 10.6108% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3035% | 1,433 |
| Memoranda: | ||
| Average total assets | $41,117,800 | 4,650 |
| Average earning assets | $35,409,000 | 4,664 |
| Average equity | $4,279,200 | 4,686 |
| Average total loans | $25,245,800 | 4,470 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 1,158 |
| Cost of funding earning assets | 0.5071% | 1,015 |
| Net interest margin | 3.6575% | 1,441 |
| Noninterest income to average assets | 0.2820% | 3,750 |
| Noninterest expense to average assets | 3.1924% | 724 |
| Loan and lease loss provision to assets | 0.0778% | 1,513 |
| Net operating income to assets | 0.1912% | 4,634 |
| Return on assets (ROA) | 0.1912% | 4,655 |
| Pretax return on assets | 0.1912% | 4,672 |
| Return on Equity (ROE) | 1.8436% | 4,616 |
| Retained earnings to average equity (ytd only) | 0.2812% | 4,524 |
| Net charge-offs to loans | -0.0855% | 4,553 |
| Credit loss provision to net charge-offs | -150.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2285% | 268 |
| Assets per employee ($millions) | 4.1607% | 4,355 |
| Cash dividends to net income (ytd only)* | 84.7458% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 2,079 |
| Loan loss allowance to noncurrent loans | 327.4336% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 2.5356% | 120 |
| Noncurrent loans to loans | 0.4230% | 2,297 |
| Net loans and leases to total assets | 63.3091% | 1,860 |
| Net loans and leases to deposits | 70.5626% | 2,181 |
| Net loans and leases to core deposits | 70.5626% | 2,545 |
| Total domestic deposits to total assets | 89.7205% | 908 |
| Equity capital to assets | 10.1834% | 2,728 |
| Core capital (leverage) ratio | 10.4250% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8103% | 1,683 |
| Memoranda: | ||
| Average total assets | $41,138,250 | 4,717 |
| Average earning assets | $35,761,250 | 4,731 |
| Average equity | $4,267,000 | 4,755 |
| Average total loans | $24,952,250 | 4,536 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 1,218 |
| Cost of funding earning assets | 0.5519% | 929 |
| Net interest margin | 3.6286% | 1,524 |
| Noninterest income to average assets | 0.3855% | 3,189 |
| Noninterest expense to average assets | 3.1428% | 789 |
| Loan and lease loss provision to assets | 0.0878% | 1,412 |
| Net operating income to assets | 0.3953% | 4,392 |
| Return on assets (ROA) | 0.3953% | 4,431 |
| Pretax return on assets | 0.3953% | 4,505 |
| Return on Equity (ROE) | 3.7877% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.4496% | 4,250 |
| Net charge-offs to loans | -0.1313% | 4,698 |
| Credit loss provision to net charge-offs | -112.5000% | 3,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6756% | 447 |
| Assets per employee ($millions) | 4.0800% | 4,405 |
| Cash dividends to net income (ytd only)* | 61.7284% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,709 |
| Loan loss allowance to noncurrent loans | 261.8705% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 2.7353% | 113 |
| Noncurrent loans to loans | 0.5591% | 1,999 |
| Net loans and leases to total assets | 60.0417% | 2,424 |
| Net loans and leases to deposits | 67.0802% | 2,709 |
| Net loans and leases to core deposits | 67.0802% | 3,030 |
| Total domestic deposits to total assets | 89.5074% | 1,024 |
| Equity capital to assets | 10.4191% | 2,471 |
| Core capital (leverage) ratio | 10.4006% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8879% | 1,366 |
| Memoranda: | ||
| Average total assets | $40,982,000 | 4,753 |
| Average earning assets | $36,597,667 | 4,750 |
| Average equity | $4,277,000 | 4,786 |
| Average total loans | $24,366,000 | 4,583 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 1,095 |
| Cost of funding earning assets | 0.5880% | 923 |
| Net interest margin | 3.6803% | 1,379 |
| Noninterest income to average assets | 0.3214% | 3,483 |
| Noninterest expense to average assets | 2.8827% | 1,191 |
| Loan and lease loss provision to assets | 0.0974% | 1,382 |
| Net operating income to assets | 0.6330% | 3,856 |
| Return on assets (ROA) | 0.6330% | 3,927 |
| Pretax return on assets | 0.6330% | 4,140 |
| Return on Equity (ROE) | 6.0606% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,872 |
| Net charge-offs to loans | 0.0663% | 878 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,273 |
| Efficiency ratio | 79.7844% | 835 |
| Assets per employee ($millions) | 4.0390% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,999 |
| Loan loss allowance to noncurrent loans | 247.7941% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 3.2013% | 87 |
| Noncurrent loans to loans | 0.5617% | 2,167 |
| Net loans and leases to total assets | 59.1112% | 2,659 |
| Net loans and leases to deposits | 66.2238% | 2,898 |
| Net loans and leases to core deposits | 66.2238% | 3,223 |
| Total domestic deposits to total assets | 89.2597% | 1,194 |
| Equity capital to assets | 10.6957% | 2,086 |
| Core capital (leverage) ratio | 10.3508% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4343% | 1,186 |
| Memoranda: | ||
| Average total assets | $41,073,000 | 4,773 |
| Average earning assets | $36,736,500 | 4,770 |
| Average equity | $4,290,000 | 4,808 |
| Average total loans | $24,118,500 | 4,614 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 814 |
| Cost of funding earning assets | 0.7953% | 1,233 |
| Net interest margin | 3.9526% | 1,083 |
| Noninterest income to average assets | 0.7128% | 1,822 |
| Noninterest expense to average assets | 3.5257% | 671 |
| Loan and lease loss provision to assets | 0.0866% | 3,284 |
| Net operating income to assets | 0.4658% | 4,106 |
| Return on assets (ROA) | 0.4658% | 4,186 |
| Pretax return on assets | 0.4658% | 4,330 |
| Return on Equity (ROE) | 4.2887% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.3279% | 3,163 |
| Net charge-offs to loans | 0.1517% | 1,073 |
| Credit loss provision to net charge-offs | 87.1795% | 2,948 |
| Earnings coverage of net charge-offs (x) | 5.5641% | 2,853 |
| Efficiency ratio | 86.4544% | 515 |
| Assets per employee ($millions) | 4.1756% | 4,230 |
| Cash dividends to net income (ytd only)* | 22.4044% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 2,090 |
| Loan loss allowance to noncurrent loans | 212.9032% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 3.4007% | 91 |
| Noncurrent loans to loans | 0.6452% | 2,065 |
| Net loans and leases to total assets | 56.7463% | 3,227 |
| Net loans and leases to deposits | 63.2052% | 3,502 |
| Net loans and leases to core deposits | 63.2052% | 3,756 |
| Total domestic deposits to total assets | 89.7811% | 646 |
| Equity capital to assets | 10.2021% | 2,930 |
| Core capital (leverage) ratio | 10.2865% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5626% | 1,390 |
| Memoranda: | ||
| Average total assets | $39,283,400 | 4,781 |
| Average earning assets | $33,446,600 | 4,804 |
| Average equity | $4,267,000 | 4,824 |
| Average total loans | $25,702,000 | 4,605 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 575 |
| Cost of funding earning assets | 0.8361% | 1,329 |
| Net interest margin | 4.1971% | 737 |
| Noninterest income to average assets | 0.8345% | 1,383 |
| Noninterest expense to average assets | 3.2966% | 910 |
| Loan and lease loss provision to assets | 0.0802% | 3,308 |
| Net operating income to assets | 0.9897% | 2,374 |
| Return on assets (ROA) | 0.9897% | 2,509 |
| Pretax return on assets | 0.9897% | 3,108 |
| Return on Equity (ROE) | 8.9641% | 2,407 |
| Retained earnings to average equity (ytd only) | 8.0896% | 1,274 |
| Net charge-offs to loans | 0.1940% | 786 |
| Credit loss provision to net charge-offs | 60.5263% | 2,850 |
| Earnings coverage of net charge-offs (x) | 8.1579% | 2,522 |
| Efficiency ratio | 75.5134% | 1,252 |
| Assets per employee ($millions) | 4.2260% | 4,116 |
| Cash dividends to net income (ytd only)* | 9.7561% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,740 |
| Loan loss allowance to noncurrent loans | 207.7922% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 3.6346% | 101 |
| Noncurrent loans to loans | 0.5712% | 2,370 |
| Net loans and leases to total assets | 63.0454% | 2,881 |
| Net loans and leases to deposits | 70.4264% | 3,272 |
| Net loans and leases to core deposits | 71.1790% | 3,545 |
| Total domestic deposits to total assets | 89.5196% | 580 |
| Equity capital to assets | 10.3597% | 2,914 |
| Core capital (leverage) ratio | 11.3909% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7076% | 1,589 |
| Memoranda: | ||
| Average total assets | $38,665,250 | 4,814 |
| Average earning assets | $32,529,500 | 4,844 |
| Average equity | $4,268,750 | 4,848 |
| Average total loans | $26,121,250 | 4,624 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 683 |
| Cost of funding earning assets | 0.9066% | 1,349 |
| Net interest margin | 4.1969% | 929 |
| Noninterest income to average assets | 1.1263% | 782 |
| Noninterest expense to average assets | 3.3256% | 952 |
| Loan and lease loss provision to assets | 0.0694% | 3,422 |
| Net operating income to assets | 1.2651% | 1,451 |
| Return on assets (ROA) | 1.2651% | 1,571 |
| Pretax return on assets | 1.2651% | 2,140 |
| Return on Equity (ROE) | 11.1995% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.8763% | 811 |
| Net charge-offs to loans | 0.0077% | 2,674 |
| Credit loss provision to net charge-offs | 1,300.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 370 |
| Efficiency ratio | 71.3631% | 1,779 |
| Assets per employee ($millions) | 3.7246% | 4,534 |
| Cash dividends to net income (ytd only)* | 11.8143% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,012 |
| Loan loss allowance to noncurrent loans | 157.0136% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 4.3038% | 72 |
| Noncurrent loans to loans | 0.8263% | 1,845 |
| Net loans and leases to total assets | 70.8801% | 1,895 |
| Net loans and leases to deposits | 80.2895% | 2,391 |
| Net loans and leases to core deposits | 81.2783% | 2,841 |
| Total domestic deposits to total assets | 88.2806% | 1,047 |
| Equity capital to assets | 11.6200% | 1,897 |
| Core capital (leverage) ratio | 11.6131% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3055% | 1,412 |
| Memoranda: | ||
| Average total assets | $37,467,000 | 4,847 |
| Average earning assets | $31,547,333 | 4,883 |
| Average equity | $4,232,333 | 4,879 |
| Average total loans | $25,840,667 | 4,652 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 515 |
| Cost of funding earning assets | 1.0000% | 1,421 |
| Net interest margin | 4.3335% | 713 |
| Noninterest income to average assets | 0.3832% | 3,213 |
| Noninterest expense to average assets | 3.4063% | 1,058 |
| Loan and lease loss provision to assets | 0.0426% | 3,242 |
| Net operating income to assets | 0.5322% | 3,800 |
| Return on assets (ROA) | 0.5322% | 3,861 |
| Pretax return on assets | 0.5322% | 4,069 |
| Return on Equity (ROE) | 4.7795% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.7795% | 2,377 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5615% | 731 |
| Assets per employee ($millions) | 3.6513% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,242 |
| Loan loss allowance to noncurrent loans | 146.1207% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 4.4203% | 86 |
| Noncurrent loans to loans | 0.8750% | 1,861 |
| Net loans and leases to total assets | 71.6841% | 1,968 |
| Net loans and leases to deposits | 81.1723% | 2,558 |
| Net loans and leases to core deposits | 81.1723% | 3,097 |
| Total domestic deposits to total assets | 88.3110% | 971 |
| Equity capital to assets | 11.6260% | 2,341 |
| Core capital (leverage) ratio | 10.7630% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3052% | 1,813 |
| Memoranda: | ||
| Average total assets | $37,577,500 | 4,885 |
| Average earning assets | $31,199,000 | 4,920 |
| Average equity | $4,184,500 | 4,924 |
| Average total loans | $25,387,500 | 4,687 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 1,045 |
| Cost of funding earning assets | 0.8564% | 2,397 |
| Net interest margin | 4.3220% | 1,041 |
| Noninterest income to average assets | 0.2059% | 4,428 |
| Noninterest expense to average assets | 3.5985% | 852 |
| Loan and lease loss provision to assets | -0.0528% | 5,023 |
| Net operating income to assets | 0.3907% | 4,608 |
| Return on assets (ROA) | 0.3907% | 4,642 |
| Pretax return on assets | 0.3907% | 4,726 |
| Return on Equity (ROE) | 3.6403% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.2959% | 3,362 |
| Net charge-offs to loans | 0.0202% | 3,017 |
| Credit loss provision to net charge-offs | -400.0000% | 4,388 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,727 |
| Efficiency ratio | 91.4152% | 300 |
| Assets per employee ($millions) | 3.8642% | 4,072 |
| Cash dividends to net income (ytd only)* | 9.4595% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,588 |
| Loan loss allowance to noncurrent loans | 137.2951% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 4.2079% | 88 |
| Noncurrent loans to loans | 1.0057% | 1,507 |
| Net loans and leases to total assets | 61.9197% | 3,406 |
| Net loans and leases to deposits | 69.3375% | 3,723 |
| Net loans and leases to core deposits | 69.3375% | 4,001 |
| Total domestic deposits to total assets | 89.3018% | 558 |
| Equity capital to assets | 10.6723% | 3,285 |
| Core capital (leverage) ratio | 10.6327% | 2,822 |
| Tier 1 risk-based capital ratio | 14.5149% | 3,007 |
| Total risk-based capital ratio | 15.6960% | 2,943 |
| Memoranda: | ||
| Average total assets | $37,876,400 | 4,925 |
| Average earning assets | $32,693,400 | 4,952 |
| Average equity | $4,065,600 | 4,987 |
| Average total loans | $24,752,800 | 4,758 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 1,193 |
| Cost of funding earning assets | 0.7980% | 2,731 |
| Net interest margin | 4.3365% | 1,083 |
| Noninterest income to average assets | 0.3926% | 3,369 |
| Noninterest expense to average assets | 3.6109% | 838 |
| Loan and lease loss provision to assets | 0.0424% | 3,049 |
| Net operating income to assets | 0.5447% | 4,419 |
| Return on assets (ROA) | 0.5447% | 4,472 |
| Pretax return on assets | 0.5447% | 4,631 |
| Return on Equity (ROE) | 5.0509% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.6573% | 3,079 |
| Net charge-offs to loans | 0.3538% | 480 |
| Credit loss provision to net charge-offs | 18.1818% | 2,973 |
| Earnings coverage of net charge-offs (x) | 2.5151% | 3,189 |
| Efficiency ratio | 86.0152% | 502 |
| Assets per employee ($millions) | 3.7064% | 4,271 |
| Cash dividends to net income (ytd only)* | 7.7923% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,290 |
| Loan loss allowance to noncurrent loans | 118.2171% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 4.4248% | 92 |
| Noncurrent loans to loans | 1.0485% | 1,527 |
| Net loans and leases to total assets | 65.5650% | 3,108 |
| Net loans and leases to deposits | 73.9306% | 3,482 |
| Net loans and leases to core deposits | 75.6828% | 3,717 |
| Total domestic deposits to total assets | 88.6844% | 751 |
| Equity capital to assets | 11.1537% | 2,966 |
| Core capital (leverage) ratio | 10.6167% | 3,000 |
| Tier 1 risk-based capital ratio | 14.9392% | 2,877 |
| Total risk-based capital ratio | 16.0437% | 2,882 |
| Memoranda: | ||
| Average total assets | $37,699,250 | 5,004 |
| Average earning assets | $33,082,750 | 5,019 |
| Average equity | $4,065,250 | 5,057 |
| Average total loans | $24,875,500 | 4,823 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 1,621 |
| Cost of funding earning assets | 0.7058% | 3,139 |
| Net interest margin | 4.2406% | 1,267 |
| Noninterest income to average assets | 0.3798% | 3,402 |
| Noninterest expense to average assets | 3.4660% | 997 |
| Loan and lease loss provision to assets | 0.0369% | 3,074 |
| Net operating income to assets | 0.6489% | 4,170 |
| Return on assets (ROA) | 0.6489% | 4,219 |
| Pretax return on assets | 0.6489% | 4,448 |
| Return on Equity (ROE) | 6.0856% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.4919% | 2,522 |
| Net charge-offs to loans | 0.5207% | 301 |
| Credit loss provision to net charge-offs | 10.7692% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,976 |
| Efficiency ratio | 83.4816% | 695 |
| Assets per employee ($millions) | 3.8814% | 4,022 |
| Cash dividends to net income (ytd only)* | 9.7561% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,797 |
| Loan loss allowance to noncurrent loans | 151.7588% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 4.0733% | 111 |
| Noncurrent loans to loans | 0.7571% | 2,088 |
| Net loans and leases to total assets | 66.9398% | 2,973 |
| Net loans and leases to deposits | 74.9582% | 3,428 |
| Net loans and leases to core deposits | 76.6408% | 3,675 |
| Total domestic deposits to total assets | 89.3028% | 538 |
| Equity capital to assets | 10.5812% | 3,450 |
| Core capital (leverage) ratio | 10.4895% | 3,107 |
| Tier 1 risk-based capital ratio | 13.9721% | 3,333 |
| Total risk-based capital ratio | 15.0031% | 3,345 |
| Memoranda: | ||
| Average total assets | $37,911,000 | 5,039 |
| Average earning assets | $33,721,330 | 5,052 |
| Average equity | $4,042,330 | 5,098 |
| Average total loans | $24,965,330 | 4,858 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 1,826 |
| Cost of funding earning assets | 0.6605% | 3,261 |
| Net interest margin | 4.1670% | 1,385 |
| Noninterest income to average assets | 0.3844% | 3,301 |
| Noninterest expense to average assets | 3.2889% | 1,310 |
| Loan and lease loss provision to assets | 0.0320% | 2,984 |
| Net operating income to assets | 0.7688% | 3,715 |
| Return on assets (ROA) | 0.7688% | 3,762 |
| Pretax return on assets | 0.7688% | 4,120 |
| Return on Equity (ROE) | 7.1820% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.1820% | 1,971 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4178% | 1,019 |
| Assets per employee ($millions) | 3.9021% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,499 |
| Loan loss allowance to noncurrent loans | 175.3623% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 4.3694% | 91 |
| Noncurrent loans to loans | 0.8288% | 1,983 |
| Net loans and leases to total assets | 63.0737% | 3,394 |
| Net loans and leases to deposits | 70.4408% | 3,740 |
| Net loans and leases to core deposits | 72.5419% | 3,908 |
| Total domestic deposits to total assets | 89.5415% | 625 |
| Equity capital to assets | 10.3867% | 3,435 |
| Core capital (leverage) ratio | 10.9149% | 2,652 |
| Tier 1 risk-based capital ratio | 14.3210% | 3,182 |
| Total risk-based capital ratio | 15.5748% | 3,114 |
| Memoranda: | ||
| Average total assets | $37,459,500 | 5,098 |
| Average earning assets | $33,309,500 | 5,108 |
| Average equity | $4,010,000 | 5,150 |
| Average total loans | $24,306,000 | 4,928 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 1,824 |
| Cost of funding earning assets | 0.4943% | 3,396 |
| Net interest margin | 4.2043% | 1,382 |
| Noninterest income to average assets | 0.3873% | 3,514 |
| Noninterest expense to average assets | 3.5126% | 980 |
| Loan and lease loss provision to assets | 0.0321% | 3,544 |
| Net operating income to assets | 0.6144% | 4,374 |
| Return on assets (ROA) | 0.6144% | 4,384 |
| Pretax return on assets | 0.6144% | 4,610 |
| Return on Equity (ROE) | 5.9199% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.1992% | 2,664 |
| Net charge-offs to loans | 0.0083% | 3,393 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 646 |
| Efficiency ratio | 84.4573% | 625 |
| Assets per employee ($millions) | 3.5898% | 4,458 |
| Cash dividends to net income (ytd only)* | 12.1739% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,219 |
| Loan loss allowance to noncurrent loans | 169.0141% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 4.7663% | 72 |
| Noncurrent loans to loans | 0.9011% | 1,779 |
| Net loans and leases to total assets | 64.8421% | 3,270 |
| Net loans and leases to deposits | 72.9252% | 3,592 |
| Net loans and leases to core deposits | 75.3057% | 3,766 |
| Total domestic deposits to total assets | 88.9158% | 893 |
| Equity capital to assets | 11.0508% | 2,636 |
| Core capital (leverage) ratio | 10.4796% | 3,052 |
| Tier 1 risk-based capital ratio | 15.0421% | 2,811 |
| Total risk-based capital ratio | 16.2922% | 2,743 |
| Memoranda: | ||
| Average total assets | $37,437,000 | 5,135 |
| Average earning assets | $33,584,600 | 5,145 |
| Average equity | $3,885,200 | 5,197 |
| Average total loans | $24,172,000 | 4,966 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,911 |
| Cost of funding earning assets | 0.4348% | 3,631 |
| Net interest margin | 4.1908% | 1,380 |
| Noninterest income to average assets | 0.3842% | 3,573 |
| Noninterest expense to average assets | 3.4124% | 1,100 |
| Loan and lease loss provision to assets | 0.0317% | 3,382 |
| Net operating income to assets | 0.7121% | 4,184 |
| Return on assets (ROA) | 0.7121% | 4,194 |
| Pretax return on assets | 0.7121% | 4,502 |
| Return on Equity (ROE) | 6.9689% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.4858% | 2,390 |
| Net charge-offs to loans | 0.0165% | 2,842 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 70.3325% | 953 |
| Efficiency ratio | 82.1035% | 770 |
| Assets per employee ($millions) | 3.6338% | 4,391 |
| Cash dividends to net income (ytd only)* | 6.9320% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,455 |
| Loan loss allowance to noncurrent loans | 160.8108% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 4.7333% | 95 |
| Noncurrent loans to loans | 0.9133% | 1,873 |
| Net loans and leases to total assets | 65.9117% | 3,189 |
| Net loans and leases to deposits | 74.0554% | 3,586 |
| Net loans and leases to core deposits | 76.4402% | 3,772 |
| Total domestic deposits to total assets | 89.0032% | 846 |
| Equity capital to assets | 10.8564% | 2,790 |
| Core capital (leverage) ratio | 10.4712% | 3,113 |
| Tier 1 risk-based capital ratio | 14.5214% | 3,118 |
| Total risk-based capital ratio | 15.7691% | 3,026 |
| Memoranda: | ||
| Average total assets | $37,821,750 | 5,195 |
| Average earning assets | $34,042,250 | 5,197 |
| Average equity | $3,864,750 | 5,265 |
| Average total loans | $24,305,750 | 5,019 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 1,951 |
| Cost of funding earning assets | 0.3951% | 3,757 |
| Net interest margin | 4.1490% | 1,416 |
| Noninterest income to average assets | 0.4019% | 3,468 |
| Noninterest expense to average assets | 3.4815% | 1,021 |
| Loan and lease loss provision to assets | 0.0313% | 3,282 |
| Net operating income to assets | 0.6159% | 4,444 |
| Return on assets (ROA) | 0.6159% | 4,450 |
| Pretax return on assets | 0.6159% | 4,715 |
| Return on Equity (ROE) | 6.1490% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.4195% | 2,863 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3236% | 672 |
| Assets per employee ($millions) | 3.9679% | 3,950 |
| Cash dividends to net income (ytd only)* | 11.8644% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,328 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 4.3575% | 116 |
| Noncurrent loans to loans | 0.9849% | 1,776 |
| Net loans and leases to total assets | 58.2096% | 3,973 |
| Net loans and leases to deposits | 64.5618% | 4,244 |
| Net loans and leases to core deposits | 66.4356% | 4,348 |
| Total domestic deposits to total assets | 90.1610% | 521 |
| Equity capital to assets | 9.7507% | 3,872 |
| Core capital (leverage) ratio | 9.5620% | 4,042 |
| Tier 1 risk-based capital ratio | 14.1634% | 3,283 |
| Total risk-based capital ratio | 15.4135% | 3,195 |
| Memoranda: | ||
| Average total assets | $38,316,330 | 5,248 |
| Average earning assets | $34,418,000 | 5,247 |
| Average equity | $3,838,000 | 5,325 |
| Average total loans | $24,305,000 | 5,076 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,315 |
| Cost of funding earning assets | 0.3595% | 3,916 |
| Net interest margin | 4.3378% | 884 |
| Noninterest income to average assets | 0.3614% | 3,727 |
| Noninterest expense to average assets | 3.2310% | 1,503 |
| Loan and lease loss provision to assets | 0.0319% | 3,085 |
| Net operating income to assets | 0.9459% | 3,087 |
| Return on assets (ROA) | 0.9459% | 3,105 |
| Pretax return on assets | 0.9459% | 3,715 |
| Return on Equity (ROE) | 9.3133% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.3133% | 1,357 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7677% | 1,488 |
| Assets per employee ($millions) | 3.9903% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,313 |
| Loan loss allowance to noncurrent loans | 147.6987% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 4.3531% | 131 |
| Noncurrent loans to loans | 1.0444% | 1,751 |
| Net loans and leases to total assets | 56.4619% | 4,086 |
| Net loans and leases to deposits | 62.5642% | 4,295 |
| Net loans and leases to core deposits | 63.9095% | 4,428 |
| Total domestic deposits to total assets | 90.2463% | 567 |
| Equity capital to assets | 9.6960% | 3,886 |
| Core capital (leverage) ratio | 10.1227% | 3,399 |
| Tier 1 risk-based capital ratio | 14.3658% | 3,187 |
| Total risk-based capital ratio | 15.6131% | 3,104 |
| Memoranda: | ||
| Average total assets | $37,635,000 | 5,316 |
| Average earning assets | $33,381,000 | 5,327 |
| Average equity | $3,822,500 | 5,382 |
| Average total loans | $24,730,500 | 5,118 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 1,063 |
| Cost of funding earning assets | 0.3678% | 3,542 |
| Net interest margin | 4.3882% | 787 |
| Noninterest income to average assets | 0.4107% | 3,563 |
| Noninterest expense to average assets | 3.9086% | 611 |
| Loan and lease loss provision to assets | -0.4928% | 5,649 |
| Net operating income to assets | 0.8469% | 2,967 |
| Return on assets (ROA) | 0.8469% | 2,994 |
| Pretax return on assets | 0.8469% | 4,105 |
| Return on Equity (ROE) | 8.0960% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.1753% | 1,015 |
| Net charge-offs to loans | 0.0040% | 3,958 |
| Credit loss provision to net charge-offs | -17,400.0000% | 5,283 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 544 |
| Efficiency ratio | 91.6944% | 361 |
| Assets per employee ($millions) | 3.5367% | 4,656 |
| Cash dividends to net income (ytd only)* | 11.3712% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,129 |
| Loan loss allowance to noncurrent loans | 144.0329% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 4.9227% | 96 |
| Noncurrent loans to loans | 0.9143% | 1,955 |
| Net loans and leases to total assets | 74.1595% | 1,890 |
| Net loans and leases to deposits | 83.0552% | 2,600 |
| Net loans and leases to core deposits | 85.0895% | 2,978 |
| Total domestic deposits to total assets | 89.2895% | 872 |
| Equity capital to assets | 10.6766% | 2,968 |
| Core capital (leverage) ratio | 10.7202% | 2,622 |
| Tier 1 risk-based capital ratio | 12.7457% | 4,063 |
| Total risk-based capital ratio | 13.9255% | 3,996 |
| Memoranda: | ||
| Average total assets | $35,307,200 | 5,407 |
| Average earning assets | $30,992,400 | 5,425 |
| Average equity | $3,693,200 | 5,459 |
| Average total loans | $25,171,600 | 5,151 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 1,192 |
| Cost of funding earning assets | 0.3569% | 3,599 |
| Net interest margin | 4.3176% | 881 |
| Noninterest income to average assets | 0.4005% | 3,680 |
| Noninterest expense to average assets | 3.6154% | 850 |
| Loan and lease loss provision to assets | -0.6687% | 5,721 |
| Net operating income to assets | 1.2467% | 1,520 |
| Return on assets (ROA) | 1.2467% | 1,545 |
| Pretax return on assets | 1.2467% | 2,727 |
| Return on Equity (ROE) | 11.9807% | 1,342 |
| Retained earnings to average equity (ytd only) | 10.8553% | 431 |
| Net charge-offs to loans | 0.0161% | 3,197 |
| Credit loss provision to net charge-offs | -5,900.0000% | 5,186 |
| Earnings coverage of net charge-offs (x) | 50.9975% | 1,101 |
| Efficiency ratio | 86.2162% | 619 |
| Assets per employee ($millions) | 3.4398% | 4,814 |
| Cash dividends to net income (ytd only)* | 9.3934% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 2,255 |
| Loan loss allowance to noncurrent loans | 141.9753% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 5.0613% | 102 |
| Noncurrent loans to loans | 0.9306% | 2,062 |
| Net loans and leases to total assets | 74.9055% | 1,774 |
| Net loans and leases to deposits | 84.3708% | 2,514 |
| Net loans and leases to core deposits | 86.5095% | 2,923 |
| Total domestic deposits to total assets | 88.7813% | 983 |
| Equity capital to assets | 11.0820% | 2,781 |
| Core capital (leverage) ratio | 10.7061% | 2,759 |
| Tier 1 risk-based capital ratio | 13.1733% | 3,896 |
| Total risk-based capital ratio | 14.3646% | 3,838 |
| Memoranda: | ||
| Average total assets | $35,292,250 | 5,466 |
| Average earning assets | $31,004,250 | 5,485 |
| Average equity | $3,672,500 | 5,524 |
| Average total loans | $24,820,000 | 5,219 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,287 |
| Cost of funding earning assets | 0.3476% | 3,608 |
| Net interest margin | 4.2356% | 1,002 |
| Noninterest income to average assets | 0.4046% | 3,662 |
| Noninterest expense to average assets | 3.5571% | 924 |
| Loan and lease loss provision to assets | -1.0115% | 5,778 |
| Net operating income to assets | 1.5566% | 777 |
| Return on assets (ROA) | 1.5566% | 797 |
| Pretax return on assets | 1.5566% | 1,470 |
| Return on Equity (ROE) | 15.2785% | 623 |
| Retained earnings to average equity (ytd only) | 14.0651% | 178 |
| Net charge-offs to loans | 0.0738% | 1,882 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | 10.7778% | 2,322 |
| Efficiency ratio | 86.7123% | 633 |
| Assets per employee ($millions) | 3.5231% | 4,685 |
| Cash dividends to net income (ytd only)* | 7.9422% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 1,911 |
| Loan loss allowance to noncurrent loans | 134.9398% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 4.9587% | 104 |
| Noncurrent loans to loans | 1.0449% | 1,878 |
| Net loans and leases to total assets | 66.6856% | 3,007 |
| Net loans and leases to deposits | 74.7526% | 3,472 |
| Net loans and leases to core deposits | 76.5926% | 3,721 |
| Total domestic deposits to total assets | 89.2084% | 854 |
| Equity capital to assets | 10.6951% | 3,137 |
| Core capital (leverage) ratio | 10.3202% | 3,118 |
| Tier 1 risk-based capital ratio | 13.7003% | 3,584 |
| Total risk-based capital ratio | 14.9210% | 3,527 |
| Memoranda: | ||
| Average total assets | $35,590,330 | 5,510 |
| Average earning assets | $31,070,330 | 5,532 |
| Average equity | $3,626,000 | 5,572 |
| Average total loans | $24,389,670 | 5,273 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 1,080 |
| Cost of funding earning assets | 0.3159% | 3,895 |
| Net interest margin | 4.3090% | 768 |
| Noninterest income to average assets | 0.4361% | 3,408 |
| Noninterest expense to average assets | 3.3436% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9058% | 2,730 |
| Return on assets (ROA) | 0.9058% | 2,788 |
| Pretax return on assets | 0.9058% | 3,749 |
| Return on Equity (ROE) | 9.1139% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.1139% | 1,041 |
| Net charge-offs to loans | -0.2270% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6842% | 1,534 |
| Assets per employee ($millions) | 3.6836% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4176% | 346 |
| Loan loss allowance to noncurrent loans | 213.8889% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 4.7508% | 131 |
| Noncurrent loans to loans | 1.1303% | 1,804 |
| Net loans and leases to total assets | 59.0618% | 3,878 |
| Net loans and leases to deposits | 65.5025% | 4,212 |
| Net loans and leases to core deposits | 67.0261% | 4,353 |
| Total domestic deposits to total assets | 90.1672% | 592 |
| Equity capital to assets | 9.7622% | 4,009 |
| Core capital (leverage) ratio | 10.1475% | 3,314 |
| Tier 1 risk-based capital ratio | 13.6780% | 3,672 |
| Total risk-based capital ratio | 14.9363% | 3,576 |
| Memoranda: | ||
| Average total assets | $35,770,000 | 5,572 |
| Average earning assets | $31,654,500 | 5,582 |
| Average equity | $3,555,000 | 5,638 |
| Average total loans | $24,669,500 | 5,310 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 996 |
| Cost of funding earning assets | 0.3758% | 3,253 |
| Net interest margin | 4.3581% | 840 |
| Noninterest income to average assets | 0.3073% | 4,539 |
| Noninterest expense to average assets | 3.9537% | 644 |
| Loan and lease loss provision to assets | 0.1686% | 1,449 |
| Net operating income to assets | 0.0326% | 5,619 |
| Return on assets (ROA) | 0.0326% | 5,645 |
| Pretax return on assets | 0.0326% | 5,639 |
| Return on Equity (ROE) | 0.3427% | 5,637 |
| Retained earnings to average equity (ytd only) | 0.0571% | 5,287 |
| Net charge-offs to loans | -0.1851% | 5,725 |
| Credit loss provision to net charge-offs | -126.5306% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1571% | 342 |
| Assets per employee ($millions) | 3.4704% | 4,803 |
| Cash dividends to net income (ytd only)* | 83.3333% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 742 |
| Loan loss allowance to noncurrent loans | 203.4884% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 5.0599% | 120 |
| Noncurrent loans to loans | 0.9540% | 2,178 |
| Net loans and leases to total assets | 76.4148% | 1,450 |
| Net loans and leases to deposits | 85.0622% | 2,303 |
| Net loans and leases to core deposits | 100.0528% | 1,616 |
| Total domestic deposits to total assets | 89.8340% | 708 |
| Equity capital to assets | 10.1256% | 3,576 |
| Core capital (leverage) ratio | 9.8725% | 3,662 |
| Tier 1 risk-based capital ratio | 11.6138% | 4,978 |
| Total risk-based capital ratio | 12.8697% | 4,885 |
| Memoranda: | ||
| Average total assets | $36,775,600 | 5,602 |
| Average earning assets | $32,468,000 | 5,617 |
| Average equity | $3,501,600 | 5,696 |
| Average total loans | $26,469,200 | 5,306 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,265 |
| Cost of funding earning assets | 0.3892% | 3,134 |
| Net interest margin | 4.2246% | 1,068 |
| Noninterest income to average assets | 0.2896% | 4,699 |
| Noninterest expense to average assets | 3.7825% | 759 |
| Loan and lease loss provision to assets | 0.2216% | 929 |
| Net operating income to assets | 0.0107% | 5,710 |
| Return on assets (ROA) | 0.0107% | 5,735 |
| Pretax return on assets | 0.0107% | 5,728 |
| Return on Equity (ROE) | 0.1143% | 5,731 |
| Retained earnings to average equity (ytd only) | -0.2667% | 5,409 |
| Net charge-offs to loans | -0.1367% | 5,672 |
| Credit loss provision to net charge-offs | -229.6296% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2119% | 377 |
| Assets per employee ($millions) | 3.6427% | 4,581 |
| Cash dividends to net income (ytd only)* | 333.2500% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 1,090 |
| Loan loss allowance to noncurrent loans | 116.9767% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 4.1535% | 194 |
| Noncurrent loans to loans | 1.5024% | 1,438 |
| Net loans and leases to total assets | 77.1873% | 1,324 |
| Net loans and leases to deposits | 85.5348% | 2,311 |
| Net loans and leases to core deposits | 88.2296% | 2,735 |
| Total domestic deposits to total assets | 90.2408% | 391 |
| Equity capital to assets | 9.6302% | 4,533 |
| Core capital (leverage) ratio | 9.6597% | 3,987 |
| Tier 1 risk-based capital ratio | 11.1816% | 5,270 |
| Total risk-based capital ratio | 12.4374% | 5,172 |
| Memoranda: | ||
| Average total assets | $37,293,500 | 5,651 |
| Average earning assets | $32,886,250 | 5,667 |
| Average equity | $3,498,500 | 5,760 |
| Average total loans | $26,325,500 | 5,364 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 1,355 |
| Cost of funding earning assets | 0.4206% | 2,830 |
| Net interest margin | 4.1393% | 1,260 |
| Noninterest income to average assets | 0.2767% | 4,799 |
| Noninterest expense to average assets | 3.6560% | 938 |
| Loan and lease loss provision to assets | 0.2980% | 607 |
| Net operating income to assets | -0.0639% | 5,799 |
| Return on assets (ROA) | -0.0639% | 5,819 |
| Pretax return on assets | -0.0639% | 5,815 |
| Return on Equity (ROE) | -0.6866% | 5,824 |
| Retained earnings to average equity (ytd only) | -1.2588% | 5,466 |
| Net charge-offs to loans | -0.0313% | 5,143 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9808% | 420 |
| Assets per employee ($millions) | 3.6916% | 4,455 |
| Cash dividends to net income (ytd only)* | -83.3333% | 6,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 917 |
| Loan loss allowance to noncurrent loans | 110.2326% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 3.7924% | 260 |
| Noncurrent loans to loans | 1.7112% | 1,237 |
| Net loans and leases to total assets | 66.7868% | 2,968 |
| Net loans and leases to deposits | 73.8417% | 3,608 |
| Net loans and leases to core deposits | 76.7280% | 3,758 |
| Total domestic deposits to total assets | 90.4459% | 332 |
| Equity capital to assets | 9.4620% | 4,807 |
| Core capital (leverage) ratio | 9.2483% | 4,524 |
| Tier 1 risk-based capital ratio | 12.2304% | 4,685 |
| Total risk-based capital ratio | 13.4839% | 4,604 |
| Memoranda: | ||
| Average total assets | $37,582,330 | 5,712 |
| Average earning assets | $32,807,330 | 5,738 |
| Average equity | $3,495,330 | 5,828 |
| Average total loans | $25,560,670 | 5,441 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,535 |
| Cost of funding earning assets | 0.4515% | 2,565 |
| Net interest margin | 4.0393% | 1,508 |
| Noninterest income to average assets | 0.2743% | 4,764 |
| Noninterest expense to average assets | 3.6080% | 1,008 |
| Loan and lease loss provision to assets | 0.5380% | 218 |
| Net operating income to assets | -0.2848% | 5,909 |
| Return on assets (ROA) | -0.2848% | 5,916 |
| Pretax return on assets | -0.2848% | 5,910 |
| Return on Equity (ROE) | -3.0888% | 5,940 |
| Retained earnings to average equity (ytd only) | -4.2328% | 5,563 |
| Net charge-offs to loans | 0.4035% | 559 |
| Credit loss provision to net charge-offs | 196.1538% | 1,096 |
| Earnings coverage of net charge-offs (x) | 0.9231% | 2,882 |
| Efficiency ratio | 93.4426% | 480 |
| Assets per employee ($millions) | 3.8993% | 4,120 |
| Cash dividends to net income (ytd only)* | -37.0370% | 6,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 1,335 |
| Loan loss allowance to noncurrent loans | 60.9722% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 4.3598% | 213 |
| Noncurrent loans to loans | 2.8038% | 618 |
| Net loans and leases to total assets | 64.7296% | 3,148 |
| Net loans and leases to deposits | 71.1447% | 3,734 |
| Net loans and leases to core deposits | 75.5056% | 3,731 |
| Total domestic deposits to total assets | 90.9830% | 281 |
| Equity capital to assets | 8.9221% | 5,249 |
| Core capital (leverage) ratio | 9.0172% | 4,836 |
| Tier 1 risk-based capital ratio | 11.6698% | 5,122 |
| Total risk-based capital ratio | 12.9210% | 5,035 |
| Memoranda: | ||
| Average total assets | $37,915,500 | 5,760 |
| Average earning assets | $33,669,000 | 5,772 |
| Average equity | $3,496,500 | 5,879 |
| Average total loans | $25,776,500 | 5,490 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,272 |
| Cost of funding earning assets | 0.3650% | 3,533 |
| Net interest margin | 4.2604% | 1,041 |
| Noninterest income to average assets | 0.3957% | 4,060 |
| Noninterest expense to average assets | 3.6478% | 1,044 |
| Loan and lease loss provision to assets | 0.2881% | 608 |
| Net operating income to assets | 0.2934% | 5,380 |
| Return on assets (ROA) | 0.2934% | 5,460 |
| Pretax return on assets | 0.2934% | 5,533 |
| Return on Equity (ROE) | 3.2226% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.5426% | 4,257 |
| Net charge-offs to loans | 0.2890% | 1,054 |
| Credit loss provision to net charge-offs | 137.1795% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.7692% | 3,830 |
| Efficiency ratio | 86.2508% | 975 |
| Assets per employee ($millions) | 3.6838% | 4,505 |
| Cash dividends to net income (ytd only)* | 21.1009% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,615 |
| Loan loss allowance to noncurrent loans | 96.2791% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 4.2456% | 239 |
| Noncurrent loans to loans | 1.6619% | 1,371 |
| Net loans and leases to total assets | 69.1134% | 2,518 |
| Net loans and leases to deposits | 76.4358% | 3,200 |
| Net loans and leases to core deposits | 80.1511% | 3,329 |
| Total domestic deposits to total assets | 90.4202% | 464 |
| Equity capital to assets | 9.5391% | 4,511 |
| Core capital (leverage) ratio | 9.9488% | 3,578 |
| Tier 1 risk-based capital ratio | 11.8587% | 5,037 |
| Total risk-based capital ratio | 13.1101% | 4,950 |
| Memoranda: | ||
| Average total assets | $37,145,600 | 5,820 |
| Average earning assets | $33,424,200 | 5,829 |
| Average equity | $3,382,400 | 5,938 |
| Average total loans | $26,985,800 | 5,482 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,200 |
| Cost of funding earning assets | 0.3647% | 3,605 |
| Net interest margin | 4.2881% | 980 |
| Noninterest income to average assets | 0.4119% | 3,998 |
| Noninterest expense to average assets | 3.6429% | 1,053 |
| Loan and lease loss provision to assets | 0.3439% | 390 |
| Net operating income to assets | 0.2579% | 5,557 |
| Return on assets (ROA) | 0.2579% | 5,637 |
| Pretax return on assets | 0.2579% | 5,708 |
| Return on Equity (ROE) | 2.8661% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.0699% | 4,844 |
| Net charge-offs to loans | 0.3815% | 675 |
| Credit loss provision to net charge-offs | 123.0769% | 1,948 |
| Earnings coverage of net charge-offs (x) | 2.1538% | 3,722 |
| Efficiency ratio | 85.8228% | 1,015 |
| Assets per employee ($millions) | 3.1493% | 5,364 |
| Cash dividends to net income (ytd only)* | 27.7813% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 2,230 |
| Loan loss allowance to noncurrent loans | 93.5035% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 4.5176% | 242 |
| Noncurrent loans to loans | 1.5849% | 1,570 |
| Net loans and leases to total assets | 77.3368% | 1,203 |
| Net loans and leases to deposits | 86.1502% | 2,125 |
| Net loans and leases to core deposits | 86.8512% | 2,768 |
| Total domestic deposits to total assets | 89.7696% | 671 |
| Equity capital to assets | 10.0485% | 4,099 |
| Core capital (leverage) ratio | 10.0049% | 3,619 |
| Tier 1 risk-based capital ratio | 12.0696% | 5,036 |
| Total risk-based capital ratio | 13.3213% | 4,952 |
| Memoranda: | ||
| Average total assets | $37,222,500 | 5,900 |
| Average earning assets | $33,269,750 | 5,910 |
| Average equity | $3,349,500 | 6,023 |
| Average total loans | $27,263,750 | 5,533 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 1,603 |
| Cost of funding earning assets | 0.3786% | 3,512 |
| Net interest margin | 4.0995% | 1,351 |
| Noninterest income to average assets | 0.4569% | 3,654 |
| Noninterest expense to average assets | 3.6184% | 1,092 |
| Loan and lease loss provision to assets | 0.4727% | 221 |
| Net operating income to assets | 0.0053% | 5,986 |
| Return on assets (ROA) | 0.0053% | 6,022 |
| Pretax return on assets | 0.0053% | 6,012 |
| Return on Equity (ROE) | 0.0605% | 6,020 |
| Retained earnings to average equity (ytd only) | -0.5445% | 5,616 |
| Net charge-offs to loans | 0.5717% | 426 |
| Credit loss provision to net charge-offs | 115.3846% | 1,863 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 3,566 |
| Efficiency ratio | 88.3333% | 891 |
| Assets per employee ($millions) | 3.2437% | 5,266 |
| Cash dividends to net income (ytd only)* | 1,000.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 2,639 |
| Loan loss allowance to noncurrent loans | 90.8257% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 4.3805% | 276 |
| Noncurrent loans to loans | 1.5692% | 1,683 |
| Net loans and leases to total assets | 76.7579% | 1,263 |
| Net loans and leases to deposits | 85.0084% | 2,187 |
| Net loans and leases to core deposits | 85.0084% | 2,881 |
| Total domestic deposits to total assets | 90.2946% | 538 |
| Equity capital to assets | 9.5849% | 4,551 |
| Core capital (leverage) ratio | 9.1147% | 4,800 |
| Tier 1 risk-based capital ratio | 11.4596% | 5,491 |
| Total risk-based capital ratio | 12.7094% | 5,412 |
| Memoranda: | ||
| Average total assets | $38,082,670 | 5,943 |
| Average earning assets | $33,809,330 | 5,960 |
| Average equity | $3,305,670 | 6,089 |
| Average total loans | $27,287,000 | 5,582 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,623 |
| Cost of funding earning assets | 0.3894% | 3,420 |
| Net interest margin | 4.0548% | 1,400 |
| Noninterest income to average assets | 0.4272% | 3,784 |
| Noninterest expense to average assets | 3.3563% | 1,589 |
| Loan and lease loss provision to assets | 0.0610% | 2,709 |
| Net operating income to assets | 0.6102% | 4,241 |
| Return on assets (ROA) | 0.6102% | 4,331 |
| Pretax return on assets | 0.6102% | 4,890 |
| Return on Equity (ROE) | 7.2849% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.0707% | 2,449 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,449 |
| Assets per employee ($millions) | 3.4262% | 5,039 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 2,336 |
| Loan loss allowance to noncurrent loans | 75.0480% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 4.3727% | 312 |
| Noncurrent loans to loans | 2.0363% | 1,282 |
| Net loans and leases to total assets | 66.8515% | 2,627 |
| Net loans and leases to deposits | 73.3607% | 3,388 |
| Net loans and leases to core deposits | 73.3607% | 3,839 |
| Total domestic deposits to total assets | 91.1271% | 323 |
| Equity capital to assets | 8.8065% | 5,495 |
| Core capital (leverage) ratio | 8.0638% | 5,905 |
| Tier 1 risk-based capital ratio | 11.7151% | 5,430 |
| Total risk-based capital ratio | 12.9646% | 5,334 |
| Memoranda: | ||
| Average total assets | $39,329,000 | 5,973 |
| Average earning assets | $34,922,000 | 5,990 |
| Average equity | $3,294,500 | 6,151 |
| Average total loans | $27,082,500 | 5,637 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 1,291 |
| Cost of funding earning assets | 0.4881% | 2,796 |
| Net interest margin | 4.2180% | 1,248 |
| Noninterest income to average assets | 0.2509% | 5,330 |
| Noninterest expense to average assets | 3.6695% | 1,197 |
| Loan and lease loss provision to assets | 0.0608% | 3,306 |
| Net operating income to assets | 0.3092% | 5,492 |
| Return on assets (ROA) | 0.3092% | 5,566 |
| Pretax return on assets | 0.3092% | 5,686 |
| Return on Equity (ROE) | 3.7033% | 5,227 |
| Retained earnings to average equity (ytd only) | -2.0641% | 6,021 |
| Net charge-offs to loans | 0.7649% | 468 |
| Credit loss provision to net charge-offs | 11.0092% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.6697% | 4,592 |
| Efficiency ratio | 90.8407% | 796 |
| Assets per employee ($millions) | 3.7245% | 4,482 |
| Cash dividends to net income (ytd only)* | 155.7377% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 3,185 |
| Loan loss allowance to noncurrent loans | 72.9167% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 4.0395% | 412 |
| Noncurrent loans to loans | 1.8475% | 1,542 |
| Net loans and leases to total assets | 68.8162% | 2,436 |
| Net loans and leases to deposits | 74.8705% | 3,329 |
| Net loans and leases to core deposits | 77.6074% | 3,551 |
| Total domestic deposits to total assets | 91.9136% | 159 |
| Equity capital to assets | 7.9814% | 6,077 |
| Core capital (leverage) ratio | 8.0442% | 5,973 |
| Tier 1 risk-based capital ratio | 10.3864% | 6,145 |
| Total risk-based capital ratio | 11.6096% | 6,107 |
| Memoranda: | ||
| Average total assets | $39,460,800 | 6,049 |
| Average earning assets | $35,443,000 | 6,051 |
| Average equity | $3,294,400 | 6,215 |
| Average total loans | $28,500,000 | 5,626 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,505 |
| Cost of funding earning assets | 0.4883% | 2,879 |
| Net interest margin | 4.1374% | 1,469 |
| Noninterest income to average assets | 0.1910% | 5,777 |
| Noninterest expense to average assets | 3.4216% | 1,609 |
| Loan and lease loss provision to assets | 0.0614% | 3,131 |
| Net operating income to assets | 0.4367% | 5,122 |
| Return on assets (ROA) | 0.4367% | 5,198 |
| Pretax return on assets | 0.4367% | 5,505 |
| Return on Equity (ROE) | 5.1707% | 4,641 |
| Retained earnings to average equity (ytd only) | -2.5045% | 6,111 |
| Net charge-offs to loans | 1.0299% | 290 |
| Credit loss provision to net charge-offs | 8.1818% | 3,729 |
| Earnings coverage of net charge-offs (x) | 0.6636% | 4,339 |
| Efficiency ratio | 87.2933% | 1,070 |
| Assets per employee ($millions) | 3.5130% | 4,837 |
| Cash dividends to net income (ytd only)* | 148.4413% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 4,165 |
| Loan loss allowance to noncurrent loans | 29.7084% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 5.3619% | 295 |
| Noncurrent loans to loans | 4.0772% | 506 |
| Net loans and leases to total assets | 79.5668% | 764 |
| Net loans and leases to deposits | 87.0650% | 1,783 |
| Net loans and leases to core deposits | 87.9793% | 2,437 |
| Total domestic deposits to total assets | 91.3878% | 261 |
| Equity capital to assets | 8.4776% | 5,813 |
| Core capital (leverage) ratio | 8.5830% | 5,566 |
| Tier 1 risk-based capital ratio | 10.0018% | 6,345 |
| Total risk-based capital ratio | 11.1532% | 6,337 |
| Memoranda: | ||
| Average total assets | $39,083,500 | 6,138 |
| Average earning assets | $35,222,500 | 6,131 |
| Average equity | $3,300,500 | 6,285 |
| Average total loans | $28,480,250 | 5,687 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 1,776 |
| Cost of funding earning assets | 0.4996% | 2,838 |
| Net interest margin | 4.0197% | 1,759 |
| Noninterest income to average assets | 0.1784% | 5,882 |
| Noninterest expense to average assets | 3.3189% | 1,872 |
| Loan and lease loss provision to assets | 0.0612% | 3,048 |
| Net operating income to assets | 0.4078% | 5,190 |
| Return on assets (ROA) | 0.4078% | 5,273 |
| Pretax return on assets | 0.4078% | 5,537 |
| Return on Equity (ROE) | 4.8358% | 4,755 |
| Retained earnings to average equity (ytd only) | -5.9843% | 6,291 |
| Net charge-offs to loans | 1.5943% | 167 |
| Credit loss provision to net charge-offs | 5.4545% | 3,356 |
| Earnings coverage of net charge-offs (x) | 0.4182% | 4,048 |
| Efficiency ratio | 87.6178% | 1,121 |
| Assets per employee ($millions) | 3.4420% | 4,966 |
| Cash dividends to net income (ytd only)* | 223.7500% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 4,489 |
| Loan loss allowance to noncurrent loans | 67.0886% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 2,229 |
| Noncurrent loans to loans | 1.7684% | 1,945 |
| Net loans and leases to total assets | 81.6148% | 504 |
| Net loans and leases to deposits | 89.3506% | 1,434 |
| Net loans and leases to core deposits | 90.3089% | 2,100 |
| Total domestic deposits to total assets | 91.3422% | 296 |
| Equity capital to assets | 8.5521% | 5,757 |
| Core capital (leverage) ratio | 8.3117% | 5,834 |
| Tier 1 risk-based capital ratio | 10.0540% | 6,382 |
| Total risk-based capital ratio | 11.2064% | 6,370 |
| Memoranda: | ||
| Average total assets | $39,230,330 | 6,192 |
| Average earning assets | $35,226,330 | 6,188 |
| Average equity | $3,308,670 | 6,333 |
| Average total loans | $27,599,000 | 5,768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 2,628 |
| Cost of funding earning assets | 0.5312% | 2,596 |
| Net interest margin | 3.7407% | 2,709 |
| Noninterest income to average assets | 0.2004% | 5,755 |
| Noninterest expense to average assets | 3.3271% | 1,886 |
| Loan and lease loss provision to assets | 0.0601% | 2,901 |
| Net operating income to assets | 0.1303% | 5,968 |
| Return on assets (ROA) | 0.1303% | 6,002 |
| Pretax return on assets | 0.1303% | 6,032 |
| Return on Equity (ROE) | 1.5550% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.5550% | 4,986 |
| Net charge-offs to loans | -0.0311% | 5,578 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5869% | 719 |
| Assets per employee ($millions) | 3.7649% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3040% | 1,022 |
| Loan loss allowance to noncurrent loans | 75.4499% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.8786% | 1,839 |
| Noncurrent loans to loans | 3.0537% | 1,032 |
| Net loans and leases to total assets | 60.1004% | 3,548 |
| Net loans and leases to deposits | 65.4346% | 4,155 |
| Net loans and leases to core deposits | 66.0720% | 4,481 |
| Total domestic deposits to total assets | 91.8482% | 289 |
| Equity capital to assets | 8.0915% | 5,984 |
| Core capital (leverage) ratio | 8.2027% | 5,946 |
| Tier 1 risk-based capital ratio | 11.6053% | 5,859 |
| Total risk-based capital ratio | 12.8594% | 5,804 |
| Memoranda: | ||
| Average total assets | $39,914,500 | 6,240 |
| Average earning assets | $35,394,500 | 6,243 |
| Average equity | $3,344,000 | 6,381 |
| Average total loans | $25,762,500 | 5,901 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 972 |
| Cost of funding earning assets | 0.4600% | 4,023 |
| Net interest margin | 4.5100% | 724 |
| Noninterest income to average assets | 0.2947% | 5,246 |
| Noninterest expense to average assets | 3.4419% | 1,786 |
| Loan and lease loss provision to assets | 0.1747% | 2,112 |
| Net operating income to assets | 0.7431% | 3,592 |
| Return on assets (ROA) | 0.7431% | 3,680 |
| Pretax return on assets | 0.7431% | 4,366 |
| Return on Equity (ROE) | 8.8907% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.2980% | 958 |
| Net charge-offs to loans | -0.1542% | 6,568 |
| Credit loss provision to net charge-offs | -155.8140% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9474% | 2,331 |
| Assets per employee ($millions) | 3.4923% | 4,911 |
| Cash dividends to net income (ytd only)* | 6.6667% | 4,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2228% | 1,147 |
| Loan loss allowance to noncurrent loans | 99.4845% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 2,450 |
| Noncurrent loans to loans | 2.2343% | 1,736 |
| Net loans and leases to total assets | 66.2996% | 2,649 |
| Net loans and leases to deposits | 72.6316% | 3,441 |
| Net loans and leases to core deposits | 73.3998% | 3,907 |
| Total domestic deposits to total assets | 91.2821% | 474 |
| Equity capital to assets | 8.6867% | 5,387 |
| Core capital (leverage) ratio | 8.6525% | 5,475 |
| Tier 1 risk-based capital ratio | 11.7828% | 5,757 |
| Total risk-based capital ratio | 13.0433% | 5,678 |
| Memoranda: | ||
| Average total assets | $38,350,400 | 6,334 |
| Average earning assets | $34,568,000 | 6,334 |
| Average equity | $3,205,600 | 6,494 |
| Average total loans | $27,878,200 | 5,853 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 981 |
| Cost of funding earning assets | 0.4684% | 4,077 |
| Net interest margin | 4.5099% | 728 |
| Noninterest income to average assets | 0.3130% | 5,203 |
| Noninterest expense to average assets | 3.2903% | 2,098 |
| Loan and lease loss provision to assets | 0.2122% | 1,720 |
| Net operating income to assets | 0.8626% | 3,036 |
| Return on assets (ROA) | 0.8626% | 3,145 |
| Pretax return on assets | 0.8626% | 4,038 |
| Return on Equity (ROE) | 10.4219% | 2,031 |
| Retained earnings to average equity (ytd only) | 9.6235% | 879 |
| Net charge-offs to loans | -0.2117% | 6,663 |
| Credit loss provision to net charge-offs | -135.5556% | 5,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3785% | 2,833 |
| Assets per employee ($millions) | 3.2984% | 5,286 |
| Cash dividends to net income (ytd only)* | 7.6604% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,271 |
| Loan loss allowance to noncurrent loans | 96.6387% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5032% | 2,678 |
| Noncurrent loans to loans | 1.8747% | 2,404 |
| Net loans and leases to total assets | 78.7322% | 678 |
| Net loans and leases to deposits | 86.0262% | 1,613 |
| Net loans and leases to core deposits | 86.9018% | 2,297 |
| Total domestic deposits to total assets | 91.5212% | 365 |
| Equity capital to assets | 8.3373% | 5,885 |
| Core capital (leverage) ratio | 8.4720% | 5,798 |
| Tier 1 risk-based capital ratio | 9.9188% | 6,617 |
| Total risk-based capital ratio | 11.1752% | 6,581 |
| Memoranda: | ||
| Average total assets | $38,334,250 | 6,406 |
| Average earning assets | $34,441,750 | 6,407 |
| Average equity | $3,172,750 | 6,575 |
| Average total loans | $28,335,750 | 5,886 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 1,292 |
| Cost of funding earning assets | 0.4583% | 4,335 |
| Net interest margin | 4.3599% | 921 |
| Noninterest income to average assets | 0.3006% | 5,301 |
| Noninterest expense to average assets | 3.5022% | 1,604 |
| Loan and lease loss provision to assets | 0.0633% | 3,746 |
| Net operating income to assets | 0.6488% | 4,064 |
| Return on assets (ROA) | 0.6488% | 4,222 |
| Pretax return on assets | 0.6488% | 4,843 |
| Return on Equity (ROE) | 7.8586% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.2836% | 1,756 |
| Net charge-offs to loans | -0.3309% | 6,774 |
| Credit loss provision to net charge-offs | -26.6667% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1039% | 1,742 |
| Assets per employee ($millions) | 3.1769% | 5,535 |
| Cash dividends to net income (ytd only)* | 7.3171% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 2,348 |
| Loan loss allowance to noncurrent loans | 81.4241% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.6945% | 2,566 |
| Noncurrent loans to loans | 2.2414% | 2,127 |
| Net loans and leases to total assets | 74.2203% | 1,219 |
| Net loans and leases to deposits | 81.0954% | 2,168 |
| Net loans and leases to core deposits | 81.9527% | 2,805 |
| Total domestic deposits to total assets | 91.5222% | 372 |
| Equity capital to assets | 8.3545% | 5,917 |
| Core capital (leverage) ratio | 8.2189% | 5,990 |
| Tier 1 risk-based capital ratio | 10.3544% | 6,555 |
| Total risk-based capital ratio | 11.6092% | 6,523 |
| Memoranda: | ||
| Average total assets | $37,918,670 | 6,459 |
| Average earning assets | $34,037,330 | 6,462 |
| Average equity | $3,130,330 | 6,630 |
| Average total loans | $27,201,670 | 5,970 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 1,272 |
| Cost of funding earning assets | 0.4349% | 4,758 |
| Net interest margin | 4.3729% | 838 |
| Noninterest income to average assets | 0.3173% | 5,157 |
| Noninterest expense to average assets | 3.5117% | 1,599 |
| Loan and lease loss provision to assets | 0.0635% | 3,570 |
| Net operating income to assets | 0.6770% | 3,797 |
| Return on assets (ROA) | 0.6770% | 3,956 |
| Pretax return on assets | 0.6770% | 4,669 |
| Return on Equity (ROE) | 8.2501% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.2501% | 1,661 |
| Net charge-offs to loans | -0.2577% | 6,739 |
| Credit loss provision to net charge-offs | -35.2941% | 5,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5871% | 1,949 |
| Assets per employee ($millions) | 3.1973% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.0950% | 2,173 |
| Net loans and leases to deposits | 73.1294% | 3,032 |
| Net loans and leases to core deposits | 73.8956% | 3,592 |
| Total domestic deposits to total assets | 91.7483% | 298 |
| Equity capital to assets | 8.1709% | 6,277 |
| Core capital (leverage) ratio | 8.1673% | 5,969 |
| Tier 1 risk-based capital ratio | 10.8756% | 6,456 |
| Total risk-based capital ratio | 12.1141% | 6,430 |
| Memoranda: | ||
| Average total assets | $37,816,500 | 6,525 |
| Average earning assets | $34,027,500 | 6,524 |
| Average equity | $3,103,000 | 6,698 |
| Average total loans | $26,392,000 | 6,051 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 1,222 |
| Cost of funding earning assets | 0.5109% | 5,142 |
| Net interest margin | 4.6331% | 738 |
| Noninterest income to average assets | 0.2399% | 5,733 |
| Noninterest expense to average assets | 3.6197% | 1,565 |
| Loan and lease loss provision to assets | 0.3807% | 1,720 |
| Net operating income to assets | 0.4251% | 4,986 |
| Return on assets (ROA) | 0.4251% | 5,243 |
| Pretax return on assets | 0.4251% | 5,506 |
| Return on Equity (ROE) | 5.4359% | 4,464 |
| Retained earnings to average equity (ytd only) | 1.5340% | 5,097 |
| Net charge-offs to loans | 0.7689% | 1,522 |
| Credit loss provision to net charge-offs | 70.1923% | 4,154 |
| Earnings coverage of net charge-offs (x) | 1.4856% | 4,700 |
| Efficiency ratio | 81.7914% | 1,899 |
| Assets per employee ($millions) | 3.3877% | 5,238 |
| Cash dividends to net income (ytd only)* | 71.7791% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.9852% | 1,842 |
| Net loans and leases to deposits | 76.2997% | 2,751 |
| Net loans and leases to core deposits | 77.1233% | 3,383 |
| Total domestic deposits to total assets | 91.7241% | 296 |
| Equity capital to assets | 8.2410% | 6,248 |
| Core capital (leverage) ratio | 8.1179% | 6,075 |
| Tier 1 risk-based capital ratio | 10.7190% | 6,464 |
| Total risk-based capital ratio | 11.9721% | 6,429 |
| Memoranda: | ||
| Average total assets | $38,346,000 | 6,548 |
| Average earning assets | $34,642,000 | 6,541 |
| Average equity | $2,998,600 | 6,784 |
| Average total loans | $27,052,800 | 6,078 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 1,522 |
| Cost of funding earning assets | 0.5169% | 5,331 |
| Net interest margin | 4.5457% | 910 |
| Noninterest income to average assets | 0.2348% | 5,872 |
| Noninterest expense to average assets | 3.5390% | 1,675 |
| Loan and lease loss provision to assets | 0.0380% | 5,300 |
| Net operating income to assets | 0.7872% | 3,515 |
| Return on assets (ROA) | 0.7872% | 3,756 |
| Pretax return on assets | 0.7872% | 4,545 |
| Return on Equity (ROE) | 10.1993% | 2,253 |
| Retained earnings to average equity (ytd only) | 5.0998% | 3,295 |
| Net charge-offs to loans | 0.3336% | 2,789 |
| Credit loss provision to net charge-offs | 16.1765% | 5,007 |
| Earnings coverage of net charge-offs (x) | 3.5149% | 3,614 |
| Efficiency ratio | 81.0918% | 1,921 |
| Assets per employee ($millions) | 3.4740% | 5,025 |
| Cash dividends to net income (ytd only)* | 50.0016% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 3,059 |
| Loan loss allowance to noncurrent loans | 356.3910% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 5,814 |
| Noncurrent loans to loans | 0.4835% | 5,485 |
| Net loans and leases to total assets | 70.7359% | 1,773 |
| Net loans and leases to deposits | 77.0311% | 2,809 |
| Net loans and leases to core deposits | 77.8363% | 3,483 |
| Total domestic deposits to total assets | 91.8276% | 231 |
| Equity capital to assets | 8.0180% | 6,581 |
| Core capital (leverage) ratio | 8.2921% | 6,022 |
| Tier 1 risk-based capital ratio | 10.4552% | 6,683 |
| Total risk-based capital ratio | 11.7143% | 6,657 |
| Memoranda: | ||
| Average total assets | $38,616,250 | 6,626 |
| Average earning assets | $35,079,750 | 6,613 |
| Average equity | $2,980,500 | 6,875 |
| Average total loans | $27,178,750 | 6,153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 1,714 |
| Cost of funding earning assets | 0.5422% | 5,358 |
| Net interest margin | 4.4842% | 1,021 |
| Noninterest income to average assets | 0.2426% | 5,841 |
| Noninterest expense to average assets | 3.5458% | 1,683 |
| Loan and lease loss provision to assets | 0.0465% | 5,095 |
| Net operating income to assets | 0.7484% | 3,612 |
| Return on assets (ROA) | 0.7484% | 3,888 |
| Pretax return on assets | 0.7484% | 4,665 |
| Return on Equity (ROE) | 9.8216% | 2,432 |
| Retained earnings to average equity (ytd only) | 2.0998% | 5,149 |
| Net charge-offs to loans | 0.4433% | 2,273 |
| Credit loss provision to net charge-offs | 15.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | 2.5667% | 3,730 |
| Efficiency ratio | 81.6885% | 1,930 |
| Assets per employee ($millions) | 3.3135% | 5,417 |
| Cash dividends to net income (ytd only)* | 78.6207% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,846 |
| Loan loss allowance to noncurrent loans | 358.2090% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 5,860 |
| Noncurrent loans to loans | 0.5034% | 5,529 |
| Net loans and leases to total assets | 71.7139% | 1,602 |
| Net loans and leases to deposits | 78.2324% | 2,636 |
| Net loans and leases to core deposits | 79.0917% | 3,356 |
| Total domestic deposits to total assets | 91.6678% | 286 |
| Equity capital to assets | 8.1786% | 6,472 |
| Core capital (leverage) ratio | 7.7963% | 6,449 |
| Tier 1 risk-based capital ratio | 10.7346% | 6,601 |
| Total risk-based capital ratio | 11.9950% | 6,586 |
| Memoranda: | ||
| Average total assets | $38,750,330 | 6,668 |
| Average earning assets | $35,413,000 | 6,644 |
| Average equity | $2,952,670 | 6,922 |
| Average total loans | $27,070,000 | 6,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 2,050 |
| Cost of funding earning assets | 0.5701% | 5,360 |
| Net interest margin | 4.3857% | 1,259 |
| Noninterest income to average assets | 0.2606% | 5,785 |
| Noninterest expense to average assets | 3.3884% | 2,035 |
| Loan and lease loss provision to assets | 0.0601% | 4,660 |
| Net operating income to assets | 0.8220% | 3,287 |
| Return on assets (ROA) | 0.8220% | 3,521 |
| Pretax return on assets | 0.8220% | 4,336 |
| Return on Equity (ROE) | 11.1622% | 1,956 |
| Retained earnings to average equity (ytd only) | -3.1308% | 6,415 |
| Net charge-offs to loans | 0.7767% | 1,323 |
| Credit loss provision to net charge-offs | 11.3208% | 3,885 |
| Earnings coverage of net charge-offs (x) | 1.6604% | 3,495 |
| Efficiency ratio | 79.3427% | 2,299 |
| Assets per employee ($millions) | 3.5455% | 5,012 |
| Cash dividends to net income (ytd only)* | 128.0488% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 2,605 |
| Loan loss allowance to noncurrent loans | 6,050.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,856 |
| Noncurrent loans to loans | 0.0318% | 6,683 |
| Net loans and leases to total assets | 63.2667% | 2,987 |
| Net loans and leases to deposits | 68.4723% | 3,979 |
| Net loans and leases to core deposits | 69.1691% | 4,540 |
| Total domestic deposits to total assets | 92.3974% | 205 |
| Equity capital to assets | 7.5051% | 6,776 |
| Core capital (leverage) ratio | 7.1343% | 6,787 |
| Tier 1 risk-based capital ratio | 10.6766% | 6,683 |
| Total risk-based capital ratio | 11.9314% | 6,657 |
| Memoranda: | ||
| Average total assets | $39,901,000 | 6,690 |
| Average earning assets | $36,482,500 | 6,662 |
| Average equity | $2,938,500 | 6,975 |
| Average total loans | $27,295,500 | 6,234 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3000% | 1,698 |
| Cost of funding earning assets | 0.6276% | 5,940 |
| Net interest margin | 4.6724% | 796 |
| Noninterest income to average assets | 0.2581% | 5,688 |
| Noninterest expense to average assets | 3.4803% | 2,033 |
| Loan and lease loss provision to assets | 0.5694% | 1,829 |
| Net operating income to assets | 0.4869% | 4,482 |
| Return on assets (ROA) | 0.4869% | 4,687 |
| Pretax return on assets | 0.4869% | 5,030 |
| Return on Equity (ROE) | 6.3103% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.6552% | 2,204 |
| Net charge-offs to loans | 0.0846% | 5,478 |
| Credit loss provision to net charge-offs | 930.4348% | 244 |
| Earnings coverage of net charge-offs (x) | 17.2609% | 1,281 |
| Efficiency ratio | 76.7155% | 2,784 |
| Assets per employee ($millions) | 3.7093% | 4,537 |
| Cash dividends to net income (ytd only)* | 10.3825% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 2,869 |
| Loan loss allowance to noncurrent loans | 53.2663% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.4386% | 2,499 |
| Noncurrent loans to loans | 3.3806% | 1,911 |
| Net loans and leases to total assets | 70.8372% | 1,861 |
| Net loans and leases to deposits | 76.3963% | 3,112 |
| Net loans and leases to core deposits | 77.1364% | 3,807 |
| Total domestic deposits to total assets | 92.7234% | 154 |
| Equity capital to assets | 7.2300% | 6,892 |
| Core capital (leverage) ratio | 7.4300% | 6,685 |
| Tier 1 risk-based capital ratio | 9.5624% | 6,950 |
| Total risk-based capital ratio | 10.8169% | 6,942 |
| Memoranda: | ||
| Average total assets | $37,583,200 | 6,753 |
| Average earning assets | $34,415,000 | 6,736 |
| Average equity | $2,900,000 | 7,028 |
| Average total loans | $27,186,000 | 6,284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 1,825 |
| Cost of funding earning assets | 0.6501% | 6,031 |
| Net interest margin | 4.6575% | 835 |
| Noninterest income to average assets | 0.2646% | 5,724 |
| Noninterest expense to average assets | 3.4621% | 2,048 |
| Loan and lease loss provision to assets | 0.3118% | 3,029 |
| Net operating income to assets | 0.7504% | 3,380 |
| Return on assets (ROA) | 0.7504% | 3,541 |
| Pretax return on assets | 0.7504% | 4,308 |
| Return on Equity (ROE) | 9.5581% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.0965% | 1,113 |
| Net charge-offs to loans | 0.0300% | 5,726 |
| Credit loss provision to net charge-offs | 1,433.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 48.8325% | 663 |
| Efficiency ratio | 76.5224% | 2,762 |
| Assets per employee ($millions) | 3.4218% | 5,190 |
| Cash dividends to net income (ytd only)* | 4.8299% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 4,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 72.1413% | 1,679 |
| Net loans and leases to deposits | 78.5115% | 2,887 |
| Net loans and leases to core deposits | 79.3327% | 3,731 |
| Total domestic deposits to total assets | 91.8863% | 225 |
| Equity capital to assets | 7.9330% | 6,739 |
| Core capital (leverage) ratio | 8.1563% | 6,191 |
| Tier 1 risk-based capital ratio | 10.4046% | 6,820 |
| Total risk-based capital ratio | 11.6568% | 6,801 |
| Memoranda: | ||
| Average total assets | $36,778,500 | 6,834 |
| Average earning assets | $33,636,500 | 6,827 |
| Average equity | $2,887,500 | 7,097 |
| Average total loans | $26,624,250 | 6,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 2,583 |
| Cost of funding earning assets | 0.6654% | 6,144 |
| Net interest margin | 4.4555% | 1,236 |
| Noninterest income to average assets | 0.2686% | 5,724 |
| Noninterest expense to average assets | 3.4858% | 2,019 |
| Loan and lease loss provision to assets | 0.1863% | 4,052 |
| Net operating income to assets | 0.7070% | 3,505 |
| Return on assets (ROA) | 0.7070% | 3,618 |
| Pretax return on assets | 0.7070% | 4,360 |
| Return on Equity (ROE) | 9.0378% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.3372% | 1,323 |
| Net charge-offs to loans | 0.0456% | 5,212 |
| Credit loss provision to net charge-offs | 566.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 27.1667% | 999 |
| Efficiency ratio | 79.5995% | 2,451 |
| Assets per employee ($millions) | 3.0208% | 6,039 |
| Cash dividends to net income (ytd only)* | 7.7519% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 74.4296% | 1,339 |
| Net loans and leases to deposits | 81.0868% | 2,602 |
| Net loans and leases to core deposits | 81.9687% | 3,503 |
| Total domestic deposits to total assets | 91.7901% | 281 |
| Equity capital to assets | 8.0333% | 6,659 |
| Core capital (leverage) ratio | 7.7922% | 6,521 |
| Tier 1 risk-based capital ratio | 10.2843% | 6,879 |
| Total risk-based capital ratio | 11.5340% | 6,872 |
| Memoranda: | ||
| Average total assets | $36,491,330 | 6,904 |
| Average earning assets | $33,666,330 | 6,885 |
| Average equity | $2,854,670 | 7,165 |
| Average total loans | $26,308,000 | 6,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 3,645 |
| Cost of funding earning assets | 0.7170% | 6,041 |
| Net interest margin | 4.1729% | 1,991 |
| Noninterest income to average assets | 0.2731% | 5,722 |
| Noninterest expense to average assets | 3.2448% | 2,723 |
| Loan and lease loss provision to assets | 0.3278% | 2,586 |
| Net operating income to assets | 0.5790% | 4,143 |
| Return on assets (ROA) | 0.5790% | 4,212 |
| Pretax return on assets | 0.5790% | 4,767 |
| Return on Equity (ROE) | 7.5018% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.5018% | 1,939 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1579% | 2,823 |
| Assets per employee ($millions) | 3.4705% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 4,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.4820% | 3,357 |
| Net loans and leases to deposits | 69.7752% | 4,377 |
| Net loans and leases to core deposits | 71.1034% | 4,917 |
| Total domestic deposits to total assets | 92.4139% | 187 |
| Equity capital to assets | 7.4682% | 6,881 |
| Core capital (leverage) ratio | 7.6227% | 6,632 |
| Tier 1 risk-based capital ratio | 10.4389% | 6,837 |
| Total risk-based capital ratio | 11.6886% | 6,830 |
| Memoranda: | ||
| Average total assets | $36,612,500 | 6,944 |
| Average earning assets | $34,029,500 | 6,918 |
| Average equity | $2,826,000 | 7,218 |
| Average total loans | $25,788,500 | 6,537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6141% | 1,843 |
| Cost of funding earning assets | 0.7730% | 6,673 |
| Net interest margin | 4.8411% | 620 |
| Noninterest income to average assets | 0.2650% | 5,893 |
| Noninterest expense to average assets | 3.7066% | 1,688 |
| Loan and lease loss provision to assets | 1.2906% | 1,197 |
| Net operating income to assets | -0.1823% | 6,096 |
| Return on assets (ROA) | -0.1966% | 6,162 |
| Pretax return on assets | -0.1966% | 6,083 |
| Return on Equity (ROE) | -2.4894% | 6,231 |
| Retained earnings to average equity (ytd only) | -10.3182% | 6,677 |
| Net charge-offs to loans | 1.6563% | 1,314 |
| Credit loss provision to net charge-offs | 102.4887% | 4,412 |
| Earnings coverage of net charge-offs (x) | 0.8801% | 5,247 |
| Efficiency ratio | 76.9822% | 2,876 |
| Assets per employee ($millions) | 3.1864% | 5,702 |
| Cash dividends to net income (ytd only)* | -314.4928% | 7,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 74.9016% | 1,493 |
| Net loans and leases to deposits | 81.4678% | 2,913 |
| Net loans and leases to core deposits | 82.3830% | 3,843 |
| Total domestic deposits to total assets | 91.9401% | 295 |
| Equity capital to assets | 7.9914% | 6,507 |
| Core capital (leverage) ratio | 7.5534% | 6,657 |
| Tier 1 risk-based capital ratio | 10.0191% | 6,975 |
| Total risk-based capital ratio | 11.2382% | 6,971 |
| Memoranda: | ||
| Average total assets | $35,099,200 | 7,041 |
| Average earning assets | $32,988,200 | 6,983 |
| Average equity | $2,771,800 | 7,336 |
| Average total loans | $26,685,600 | 6,575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 2,093 |
| Cost of funding earning assets | 0.7642% | 6,868 |
| Net interest margin | 4.8281% | 636 |
| Noninterest income to average assets | 0.2620% | 6,021 |
| Noninterest expense to average assets | 3.6075% | 1,773 |
| Loan and lease loss provision to assets | 1.5265% | 862 |
| Net operating income to assets | -0.3380% | 6,464 |
| Return on assets (ROA) | -0.3569% | 6,521 |
| Pretax return on assets | -0.3569% | 6,450 |
| Return on Equity (ROE) | -4.5336% | 6,612 |
| Retained earnings to average equity (ytd only) | -14.6135% | 7,063 |
| Net charge-offs to loans | 2.0367% | 924 |
| Credit loss provision to net charge-offs | 98.5294% | 4,425 |
| Earnings coverage of net charge-offs (x) | 0.7671% | 5,295 |
| Efficiency ratio | 75.2177% | 3,100 |
| Assets per employee ($millions) | 3.4717% | 5,053 |
| Cash dividends to net income (ytd only)* | -222.3410% | 7,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,938 |
| Loan loss allowance to noncurrent loans | 1,288.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 6,035 |
| Noncurrent loans to loans | 0.0854% | 7,020 |
| Net loans and leases to total assets | 75.7810% | 1,450 |
| Net loans and leases to deposits | 85.8117% | 2,385 |
| Net loans and leases to core deposits | 87.7741% | 3,398 |
| Total domestic deposits to total assets | 88.3108% | 1,783 |
| Equity capital to assets | 7.3032% | 7,224 |
| Core capital (leverage) ratio | 8.0285% | 6,303 |
| Tier 1 risk-based capital ratio | 8.9973% | 7,365 |
| Total risk-based capital ratio | 10.0432% | 7,414 |
| Memoranda: | ||
| Average total assets | $35,111,500 | 7,128 |
| Average earning assets | $32,972,500 | 7,067 |
| Average equity | $2,764,500 | 7,432 |
| Average total loans | $26,709,000 | 6,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 2,285 |
| Cost of funding earning assets | 0.7857% | 6,961 |
| Net interest margin | 4.7764% | 682 |
| Noninterest income to average assets | 0.2758% | 5,942 |
| Noninterest expense to average assets | 3.8257% | 1,317 |
| Loan and lease loss provision to assets | 2.1358% | 570 |
| Net operating income to assets | -1.1911% | 7,024 |
| Return on assets (ROA) | -1.2205% | 7,055 |
| Pretax return on assets | -1.2205% | 6,978 |
| Return on Equity (ROE) | -15.0925% | 7,148 |
| Retained earnings to average equity (ytd only) | -30.2576% | 7,424 |
| Net charge-offs to loans | 2.9546% | 544 |
| Credit loss provision to net charge-offs | 95.2880% | 4,254 |
| Earnings coverage of net charge-offs (x) | 0.4215% | 5,300 |
| Efficiency ratio | 80.1968% | 2,420 |
| Assets per employee ($millions) | 3.0355% | 6,066 |
| Cash dividends to net income (ytd only)* | -100.4808% | 7,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 6,067 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 78.7158% | 1,010 |
| Net loans and leases to deposits | 85.7721% | 2,544 |
| Net loans and leases to core deposits | 88.7673% | 3,444 |
| Total domestic deposits to total assets | 91.7732% | 267 |
| Equity capital to assets | 8.0171% | 6,743 |
| Core capital (leverage) ratio | 7.8455% | 6,443 |
| Tier 1 risk-based capital ratio | 9.4425% | 7,287 |
| Total risk-based capital ratio | 10.5447% | 7,339 |
| Memoranda: | ||
| Average total assets | $34,085,670 | 7,209 |
| Average earning assets | $32,074,670 | 7,153 |
| Average equity | $2,756,330 | 7,488 |
| Average total loans | $25,858,000 | 6,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4230% | 2,928 |
| Cost of funding earning assets | 0.8295% | 7,002 |
| Net interest margin | 4.5934% | 964 |
| Noninterest income to average assets | 0.2788% | 5,914 |
| Noninterest expense to average assets | 4.0078% | 1,021 |
| Loan and lease loss provision to assets | 4.1356% | 205 |
| Net operating income to assets | -3.5547% | 7,688 |
| Return on assets (ROA) | -3.5547% | 7,685 |
| Pretax return on assets | -3.5547% | 7,643 |
| Return on Equity (ROE) | -43.7768% | 7,677 |
| Retained earnings to average equity (ytd only) | -72.6753% | 7,768 |
| Net charge-offs to loans | 5.9788% | 179 |
| Credit loss provision to net charge-offs | 93.4383% | 3,582 |
| Earnings coverage of net charge-offs (x) | 0.1312% | 4,909 |
| Efficiency ratio | 87.3418% | 1,650 |
| Assets per employee ($millions) | 3.4195% | 5,230 |
| Cash dividends to net income (ytd only)* | -66.0131% | 7,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,561 |
| Loan loss allowance to noncurrent loans | 135.8744% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 4,771 |
| Noncurrent loans to loans | 0.8740% | 5,566 |
| Net loans and leases to total assets | 73.7272% | 2,028 |
| Net loans and leases to deposits | 79.8904% | 3,673 |
| Net loans and leases to core deposits | 81.5283% | 4,555 |
| Total domestic deposits to total assets | 92.2854% | 194 |
| Equity capital to assets | 7.5771% | 7,011 |
| Core capital (leverage) ratio | 6.9382% | 7,289 |
| Tier 1 risk-based capital ratio | 9.3771% | 7,359 |
| Total risk-based capital ratio | 10.4848% | 7,412 |
| Memoranda: | ||
| Average total assets | $34,433,000 | 7,285 |
| Average earning assets | $32,307,000 | 7,234 |
| Average equity | $2,796,000 | 7,554 |
| Average total loans | $25,490,000 | 6,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 4,531 |
| Cost of funding earning assets | 1.0380% | 7,128 |
| Net interest margin | 4.3930% | 1,454 |
| Noninterest income to average assets | 0.2343% | 6,436 |
| Noninterest expense to average assets | 3.5266% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8202% | 2,450 |
| Return on assets (ROA) | 0.8116% | 2,573 |
| Pretax return on assets | 0.8116% | 3,200 |
| Return on Equity (ROE) | 9.9342% | 1,713 |
| Retained earnings to average equity (ytd only) | 9.2696% | 452 |
| Net charge-offs to loans | -0.0039% | 7,711 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1308% | 2,726 |
| Assets per employee ($millions) | 3.1519% | 5,853 |
| Cash dividends to net income (ytd only)* | 6.6901% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,828 |
| Loan loss allowance to noncurrent loans | 190.6977% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 5,027 |
| Noncurrent loans to loans | 0.6754% | 5,885 |
| Net loans and leases to total assets | 72.5044% | 2,633 |
| Net loans and leases to deposits | 79.4250% | 4,099 |
| Net loans and leases to core deposits | 91.5341% | 4,945 |
| Total domestic deposits to total assets | 91.2867% | 440 |
| Equity capital to assets | 8.6556% | 5,653 |
| Core capital (leverage) ratio | 8.5488% | 5,202 |
| Tier 1 risk-based capital ratio | 10.6854% | 6,220 |
| Total risk-based capital ratio | 11.8643% | 6,260 |
| Memoranda: | ||
| Average total assets | $34,991,400 | 7,281 |
| Average earning assets | $32,756,800 | 7,237 |
| Average equity | $2,858,800 | 7,627 |
| Average total loans | $25,680,800 | 6,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 5,464 |
| Cost of funding earning assets | 1.0902% | 7,198 |
| Net interest margin | 4.2027% | 2,054 |
| Noninterest income to average assets | 0.2281% | 6,594 |
| Noninterest expense to average assets | 3.4519% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7185% | 3,140 |
| Return on assets (ROA) | 0.7071% | 3,242 |
| Pretax return on assets | 0.7071% | 3,827 |
| Return on Equity (ROE) | 8.7838% | 2,347 |
| Retained earnings to average equity (ytd only) | 8.3117% | 1,038 |
| Net charge-offs to loans | -0.0052% | 7,634 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7712% | 2,462 |
| Assets per employee ($millions) | 3.1107% | 5,879 |
| Cash dividends to net income (ytd only)* | 5.3752% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 5,045 |
| Loan loss allowance to noncurrent loans | 39.4231% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4315% | 2,835 |
| Noncurrent loans to loans | 3.0718% | 2,462 |
| Net loans and leases to total assets | 78.1957% | 1,530 |
| Net loans and leases to deposits | 85.7404% | 3,369 |
| Net loans and leases to core deposits | 99.3281% | 4,450 |
| Total domestic deposits to total assets | 91.2005% | 345 |
| Equity capital to assets | 8.5277% | 6,218 |
| Core capital (leverage) ratio | 8.4261% | 5,628 |
| Tier 1 risk-based capital ratio | 10.1961% | 6,781 |
| Total risk-based capital ratio | 11.3554% | 6,818 |
| Memoranda: | ||
| Average total assets | $35,071,500 | 7,334 |
| Average earning assets | $32,898,500 | 7,293 |
| Average equity | $2,823,250 | 7,710 |
| Average total loans | $25,734,500 | 6,928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 6,317 |
| Cost of funding earning assets | 1.1348% | 7,289 |
| Net interest margin | 3.9960% | 2,713 |
| Noninterest income to average assets | 0.2376% | 6,580 |
| Noninterest expense to average assets | 3.3714% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6109% | 3,633 |
| Return on assets (ROA) | 0.5940% | 3,807 |
| Pretax return on assets | 0.5940% | 4,339 |
| Return on Equity (ROE) | 7.5224% | 2,963 |
| Retained earnings to average equity (ytd only) | 6.8060% | 1,662 |
| Net charge-offs to loans | -0.0079% | 7,583 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6591% | 2,400 |
| Assets per employee ($millions) | 3.1035% | 5,859 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 4,566 |
| Loan loss allowance to noncurrent loans | 38.4525% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 2.4987% | 2,576 |
| Noncurrent loans to loans | 3.2664% | 2,170 |
| Net loans and leases to total assets | 75.5346% | 2,305 |
| Net loans and leases to deposits | 82.5628% | 4,126 |
| Net loans and leases to core deposits | 95.0741% | 5,000 |
| Total domestic deposits to total assets | 91.4875% | 328 |
| Equity capital to assets | 8.3045% | 6,322 |
| Core capital (leverage) ratio | 8.1540% | 6,069 |
| Tier 1 risk-based capital ratio | 10.2336% | 6,672 |
| Total risk-based capital ratio | 11.4307% | 6,666 |
| Memoranda: | ||
| Average total assets | $35,356,000 | 7,396 |
| Average earning assets | $33,133,000 | 7,352 |
| Average equity | $2,791,670 | 7,792 |
| Average total loans | $25,284,330 | 7,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 6,828 |
| Cost of funding earning assets | 1.2156% | 7,266 |
| Net interest margin | 3.8256% | 3,355 |
| Noninterest income to average assets | 0.2224% | 6,692 |
| Noninterest expense to average assets | 3.1920% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6006% | 4,006 |
| Return on assets (ROA) | 0.6006% | 4,201 |
| Pretax return on assets | 0.6006% | 4,746 |
| Return on Equity (ROE) | 7.7978% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.7978% | 1,896 |
| Net charge-offs to loans | -0.0161% | 7,385 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1642% | 2,282 |
| Assets per employee ($millions) | 3.3513% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,774 |
| Loan loss allowance to noncurrent loans | 37.5286% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 2.3709% | 2,414 |
| Noncurrent loans to loans | 3.6083% | 1,746 |
| Net loans and leases to total assets | 64.8166% | 4,839 |
| Net loans and leases to deposits | 70.2641% | 5,953 |
| Net loans and leases to core deposits | 81.1810% | 6,300 |
| Total domestic deposits to total assets | 92.2472% | 148 |
| Equity capital to assets | 7.5901% | 7,274 |
| Core capital (leverage) ratio | 7.5566% | 7,084 |
| Tier 1 risk-based capital ratio | 10.5035% | 6,391 |
| Total risk-based capital ratio | 11.7508% | 6,302 |
| Memoranda: | ||
| Average total assets | $35,965,000 | 7,416 |
| Average earning assets | $33,563,000 | 7,376 |
| Average equity | $2,770,000 | 7,847 |
| Average total loans | $24,869,500 | 7,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1251% | 4,918 |
| Cost of funding earning assets | 2.1048% | 6,033 |
| Net interest margin | 4.0203% | 3,024 |
| Noninterest income to average assets | 0.1935% | 7,072 |
| Noninterest expense to average assets | 3.4218% | 2,603 |
| Loan and lease loss provision to assets | 0.0415% | 6,896 |
| Net operating income to assets | 0.4312% | 5,026 |
| Return on assets (ROA) | 0.4312% | 4,846 |
| Pretax return on assets | 0.4312% | 5,178 |
| Return on Equity (ROE) | 5.7404% | 4,053 |
| Retained earnings to average equity (ytd only) | -2.2078% | 5,926 |
| Net charge-offs to loans | 0.1026% | 5,284 |
| Credit loss provision to net charge-offs | 57.6923% | 6,256 |
| Earnings coverage of net charge-offs (x) | 6.5769% | 3,332 |
| Efficiency ratio | 87.8637% | 1,689 |
| Assets per employee ($millions) | 3.1878% | 5,517 |
| Cash dividends to net income (ytd only)* | 138.4615% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,922 |
| Loan loss allowance to noncurrent loans | 54.5910% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 2.2329% | 2,185 |
| Noncurrent loans to loans | 2.3475% | 2,349 |
| Net loans and leases to total assets | 71.8360% | 3,623 |
| Net loans and leases to deposits | 78.0142% | 5,337 |
| Net loans and leases to core deposits | 91.8371% | 5,658 |
| Total domestic deposits to total assets | 92.0806% | 121 |
| Equity capital to assets | 7.8195% | 7,070 |
| Core capital (leverage) ratio | 7.5552% | 7,138 |
| Tier 1 risk-based capital ratio | 9.5111% | 7,289 |
| Total risk-based capital ratio | 10.6596% | 7,323 |
| Memoranda: | ||
| Average total assets | $36,179,600 | 7,373 |
| Average earning assets | $33,305,600 | 7,361 |
| Average equity | $2,717,600 | 7,924 |
| Average total loans | $25,331,600 | 7,006 |