Home > Wenona State Bank > Performance and Condition Ratios
Wenona State Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6758% | 4,505 |
| Cost of funding earning assets | 0.3185% | 2,808 |
| Net interest margin | 2.3573% | 4,463 |
| Noninterest income to average assets | 0.2671% | 3,799 |
| Noninterest expense to average assets | 3.2641% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.8012% | 4,917 |
| Return on assets (ROA) | -0.8012% | 4,916 |
| Pretax return on assets | -0.8012% | 4,915 |
| Return on Equity (ROE) | -6.1132% | 4,912 |
| Retained earnings to average equity (ytd only) | -6.8679% | 4,744 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5301% | 48 |
| Assets per employee ($millions) | 6.5977% | 2,096 |
| Cash dividends to net income (ytd only)* | -12.3457% | 4,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,332 |
| Loan loss allowance to noncurrent loans | 111.6564% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 1,534 |
| Noncurrent loans to loans | 1.1847% | 1,120 |
| Net loans and leases to total assets | 34.2975% | 4,567 |
| Net loans and leases to deposits | 39.4898% | 4,582 |
| Net loans and leases to core deposits | 39.4898% | 4,635 |
| Total domestic deposits to total assets | 86.8514% | 2,366 |
| Equity capital to assets | 13.0576% | 897 |
| Core capital (leverage) ratio | 11.7825% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,440,500 | 4,782 |
| Average earning assets | $37,671,000 | 4,759 |
| Average equity | $5,300,000 | 4,717 |
| Average total loans | $15,006,000 | 4,784 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 4,503 |
| Cost of funding earning assets | 0.4408% | 3,342 |
| Net interest margin | 2.7108% | 4,366 |
| Noninterest income to average assets | 0.2506% | 3,986 |
| Noninterest expense to average assets | 2.0300% | 4,085 |
| Loan and lease loss provision to assets | 0.0076% | 4,259 |
| Net operating income to assets | 0.5907% | 3,786 |
| Return on assets (ROA) | 0.6986% | 3,572 |
| Pretax return on assets | 0.8505% | 3,501 |
| Return on Equity (ROE) | 5.3833% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.0765% | 2,774 |
| Net charge-offs to loans | 0.6879% | 219 |
| Credit loss provision to net charge-offs | 2.5641% | 3,260 |
| Earnings coverage of net charge-offs (x) | 2.4530% | 3,165 |
| Efficiency ratio | 73.6455% | 1,491 |
| Assets per employee ($millions) | 6.8825% | 1,657 |
| Cash dividends to net income (ytd only)* | 24.2754% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,367 |
| Loan loss allowance to noncurrent loans | 106.4327% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 1,714 |
| Noncurrent loans to loans | 1.0521% | 1,351 |
| Net loans and leases to total assets | 38.9175% | 4,480 |
| Net loans and leases to deposits | 50.6636% | 4,281 |
| Net loans and leases to core deposits | 50.6636% | 4,398 |
| Total domestic deposits to total assets | 76.8156% | 4,434 |
| Equity capital to assets | 13.1517% | 1,042 |
| Core capital (leverage) ratio | 12.1983% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,508,200 | 4,776 |
| Average earning assets | $36,520,400 | 4,761 |
| Average equity | $5,127,000 | 4,736 |
| Average total loans | $17,008,000 | 4,771 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 4,525 |
| Cost of funding earning assets | 0.4807% | 3,354 |
| Net interest margin | 2.7808% | 4,366 |
| Noninterest income to average assets | 0.2526% | 3,962 |
| Noninterest expense to average assets | 2.0924% | 3,970 |
| Loan and lease loss provision to assets | 0.1715% | 2,271 |
| Net operating income to assets | 0.4903% | 4,063 |
| Return on assets (ROA) | 0.5564% | 3,981 |
| Pretax return on assets | 0.6315% | 4,046 |
| Return on Equity (ROE) | 4.3027% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.5900% | 3,259 |
| Net charge-offs to loans | 0.9071% | 150 |
| Credit loss provision to net charge-offs | 42.7350% | 2,916 |
| Earnings coverage of net charge-offs (x) | 1.8205% | 3,042 |
| Efficiency ratio | 74.2131% | 1,386 |
| Assets per employee ($millions) | 6.6305% | 1,728 |
| Cash dividends to net income (ytd only)* | 16.5644% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,036 |
| Loan loss allowance to noncurrent loans | 133.9181% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 1,231 |
| Noncurrent loans to loans | 0.9931% | 1,511 |
| Net loans and leases to total assets | 42.7042% | 4,471 |
| Net loans and leases to deposits | 55.9474% | 4,265 |
| Net loans and leases to core deposits | 55.9474% | 4,382 |
| Total domestic deposits to total assets | 76.3291% | 4,393 |
| Equity capital to assets | 13.3700% | 1,041 |
| Core capital (leverage) ratio | 12.2552% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,061,500 | 4,808 |
| Average earning assets | $36,056,500 | 4,794 |
| Average equity | $5,051,000 | 4,770 |
| Average total loans | $17,196,750 | 4,797 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 4,662 |
| Cost of funding earning assets | 0.5252% | 3,381 |
| Net interest margin | 2.7600% | 4,498 |
| Noninterest income to average assets | 0.2473% | 3,990 |
| Noninterest expense to average assets | 2.1586% | 3,903 |
| Loan and lease loss provision to assets | 0.2112% | 1,958 |
| Net operating income to assets | 0.3651% | 4,304 |
| Return on assets (ROA) | 0.4637% | 4,167 |
| Pretax return on assets | 0.5358% | 4,188 |
| Return on Equity (ROE) | 3.6278% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.0232% | 3,378 |
| Net charge-offs to loans | 1.3264% | 99 |
| Credit loss provision to net charge-offs | 35.9649% | 2,686 |
| Earnings coverage of net charge-offs (x) | 1.0789% | 2,884 |
| Efficiency ratio | 77.3063% | 1,124 |
| Assets per employee ($millions) | 6.7692% | 1,581 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 1,934 |
| Loan loss allowance to noncurrent loans | 125.2809% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 1,241 |
| Noncurrent loans to loans | 1.0485% | 1,487 |
| Net loans and leases to total assets | 41.2483% | 4,557 |
| Net loans and leases to deposits | 53.5086% | 4,397 |
| Net loans and leases to core deposits | 53.5086% | 4,513 |
| Total domestic deposits to total assets | 77.0873% | 4,308 |
| Equity capital to assets | 12.8352% | 1,227 |
| Core capital (leverage) ratio | 12.6571% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,821,000 | 4,836 |
| Average earning assets | $35,796,667 | 4,823 |
| Average equity | $4,961,667 | 4,806 |
| Average total loans | $17,189,667 | 4,824 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 4,703 |
| Cost of funding earning assets | 0.5516% | 3,683 |
| Net interest margin | 2.8845% | 4,455 |
| Noninterest income to average assets | 0.2637% | 3,956 |
| Noninterest expense to average assets | 2.4154% | 3,504 |
| Loan and lease loss provision to assets | 0.2320% | 1,336 |
| Net operating income to assets | 0.2342% | 4,472 |
| Return on assets (ROA) | 0.4219% | 4,124 |
| Pretax return on assets | 0.4746% | 4,161 |
| Return on Equity (ROE) | 3.3085% | 4,141 |
| Retained earnings to average equity (ytd only) | 3.3085% | 2,955 |
| Net charge-offs to loans | 0.0463% | 1,557 |
| Credit loss provision to net charge-offs | 1,100.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,325 |
| Efficiency ratio | 82.9710% | 904 |
| Assets per employee ($millions) | 6.6853% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 651 |
| Loan loss allowance to noncurrent loans | 85.4054% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0471% | 1,250 |
| Noncurrent loans to loans | 2.1775% | 616 |
| Net loans and leases to total assets | 41.5736% | 4,605 |
| Net loans and leases to deposits | 47.3091% | 4,687 |
| Net loans and leases to core deposits | 51.7101% | 4,639 |
| Total domestic deposits to total assets | 87.8764% | 1,157 |
| Equity capital to assets | 11.8693% | 2,168 |
| Core capital (leverage) ratio | 13.4385% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,924,000 | 4,881 |
| Average earning assets | $34,807,000 | 4,869 |
| Average equity | $4,836,000 | 4,859 |
| Average total loans | $17,296,500 | 4,865 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,441 |
| Cost of funding earning assets | 0.5388% | 3,928 |
| Net interest margin | 3.3573% | 3,861 |
| Noninterest income to average assets | 0.3106% | 3,838 |
| Noninterest expense to average assets | 2.5509% | 3,319 |
| Loan and lease loss provision to assets | 0.1075% | 1,933 |
| Net operating income to assets | 0.5987% | 4,163 |
| Return on assets (ROA) | 0.6064% | 4,199 |
| Pretax return on assets | 0.7139% | 4,176 |
| Return on Equity (ROE) | 4.3124% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.3989% | 3,313 |
| Net charge-offs to loans | 0.1303% | 1,468 |
| Credit loss provision to net charge-offs | 163.6364% | 1,582 |
| Earnings coverage of net charge-offs (x) | 12.3636% | 2,420 |
| Efficiency ratio | 75.8437% | 1,387 |
| Assets per employee ($millions) | 5.9560% | 1,659 |
| Cash dividends to net income (ytd only)* | 21.1823% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 831 |
| Loan loss allowance to noncurrent loans | 75.7033% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2536% | 907 |
| Noncurrent loans to loans | 2.2215% | 554 |
| Net loans and leases to total assets | 48.4246% | 4,409 |
| Net loans and leases to deposits | 56.2709% | 4,447 |
| Net loans and leases to core deposits | 62.3536% | 4,345 |
| Total domestic deposits to total assets | 86.0561% | 2,046 |
| Equity capital to assets | 13.7424% | 1,190 |
| Core capital (leverage) ratio | 14.0905% | 907 |
| Tier 1 risk-based capital ratio | 21.5631% | 1,078 |
| Total risk-based capital ratio | 22.8097% | 1,052 |
| Memoranda: | ||
| Average total assets | $33,478,200 | 4,983 |
| Average earning assets | $30,440,800 | 4,981 |
| Average equity | $4,707,400 | 4,918 |
| Average total loans | $16,886,000 | 4,931 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 4,590 |
| Cost of funding earning assets | 0.5164% | 4,081 |
| Net interest margin | 3.3430% | 4,009 |
| Noninterest income to average assets | 0.3160% | 3,862 |
| Noninterest expense to average assets | 2.5642% | 3,263 |
| Loan and lease loss provision to assets | 0.1094% | 1,779 |
| Net operating income to assets | 0.6169% | 4,254 |
| Return on assets (ROA) | 0.6279% | 4,271 |
| Pretax return on assets | 0.6968% | 4,349 |
| Return on Equity (ROE) | 4.4381% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.2069% | 3,800 |
| Net charge-offs to loans | 0.1756% | 962 |
| Credit loss provision to net charge-offs | 122.7273% | 1,920 |
| Earnings coverage of net charge-offs (x) | 8.9100% | 2,610 |
| Efficiency ratio | 76.3571% | 1,288 |
| Assets per employee ($millions) | 5.7230% | 1,833 |
| Cash dividends to net income (ytd only)* | 27.7412% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 951 |
| Loan loss allowance to noncurrent loans | 73.4015% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 930 |
| Noncurrent loans to loans | 2.2113% | 574 |
| Net loans and leases to total assets | 50.6582% | 4,386 |
| Net loans and leases to deposits | 60.2111% | 4,376 |
| Net loans and leases to core deposits | 67.1881% | 4,206 |
| Total domestic deposits to total assets | 84.1342% | 2,772 |
| Equity capital to assets | 14.1272% | 1,101 |
| Core capital (leverage) ratio | 14.8729% | 765 |
| Tier 1 risk-based capital ratio | 21.7976% | 1,097 |
| Total risk-based capital ratio | 23.0474% | 1,069 |
| Memoranda: | ||
| Average total assets | $32,913,750 | 5,070 |
| Average earning assets | $29,952,500 | 5,062 |
| Average equity | $4,656,500 | 4,993 |
| Average total loans | $16,707,250 | 5,009 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,707 |
| Cost of funding earning assets | 0.5023% | 4,105 |
| Net interest margin | 3.3016% | 4,142 |
| Noninterest income to average assets | 0.3206% | 3,785 |
| Noninterest expense to average assets | 2.6141% | 3,166 |
| Loan and lease loss provision to assets | 0.1110% | 1,684 |
| Net operating income to assets | 0.6350% | 4,209 |
| Return on assets (ROA) | 0.6535% | 4,204 |
| Pretax return on assets | 0.6535% | 4,440 |
| Return on Equity (ROE) | 4.6171% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.7441% | 3,831 |
| Net charge-offs to loans | -0.0244% | 4,614 |
| Credit loss provision to net charge-offs | -900.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7982% | 1,178 |
| Assets per employee ($millions) | 5.3480% | 2,104 |
| Cash dividends to net income (ytd only)* | 40.5660% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 660 |
| Loan loss allowance to noncurrent loans | 66.2281% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 678 |
| Noncurrent loans to loans | 2.7397% | 390 |
| Net loans and leases to total assets | 50.9287% | 4,413 |
| Net loans and leases to deposits | 59.9486% | 4,431 |
| Net loans and leases to core deposits | 59.9486% | 4,576 |
| Total domestic deposits to total assets | 84.9539% | 2,496 |
| Equity capital to assets | 14.8311% | 860 |
| Core capital (leverage) ratio | 14.8580% | 737 |
| Tier 1 risk-based capital ratio | 22.7428% | 965 |
| Total risk-based capital ratio | 23.9939% | 950 |
| Memoranda: | ||
| Average total assets | $32,439,000 | 5,118 |
| Average earning assets | $29,864,330 | 5,103 |
| Average equity | $4,591,670 | 5,035 |
| Average total loans | $16,382,330 | 5,058 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 4,773 |
| Cost of funding earning assets | 0.5061% | 4,032 |
| Net interest margin | 3.2494% | 4,279 |
| Noninterest income to average assets | 0.3066% | 3,825 |
| Noninterest expense to average assets | 2.4284% | 3,689 |
| Loan and lease loss provision to assets | 0.1104% | 1,612 |
| Net operating income to assets | 0.7604% | 3,745 |
| Return on assets (ROA) | 0.7604% | 3,790 |
| Pretax return on assets | 0.7604% | 4,147 |
| Return on Equity (ROE) | 5.5013% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.0169% | 3,728 |
| Net charge-offs to loans | -0.0492% | 4,826 |
| Credit loss provision to net charge-offs | -450.0000% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6059% | 1,798 |
| Assets per employee ($millions) | 5.4430% | 2,041 |
| Cash dividends to net income (ytd only)* | 45.1613% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 718 |
| Loan loss allowance to noncurrent loans | 65.2561% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 756 |
| Noncurrent loans to loans | 2.7427% | 433 |
| Net loans and leases to total assets | 49.2314% | 4,511 |
| Net loans and leases to deposits | 58.3234% | 4,486 |
| Net loans and leases to core deposits | 58.3234% | 4,634 |
| Total domestic deposits to total assets | 84.4112% | 2,895 |
| Equity capital to assets | 14.0486% | 1,019 |
| Core capital (leverage) ratio | 14.6775% | 769 |
| Tier 1 risk-based capital ratio | 22.4824% | 990 |
| Total risk-based capital ratio | 23.7311% | 967 |
| Memoranda: | ||
| Average total assets | $32,614,500 | 5,169 |
| Average earning assets | $30,036,000 | 5,154 |
| Average equity | $4,508,000 | 5,085 |
| Average total loans | $16,251,500 | 5,124 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 4,725 |
| Cost of funding earning assets | 0.4143% | 3,901 |
| Net interest margin | 3.2467% | 4,395 |
| Noninterest income to average assets | 0.2850% | 4,195 |
| Noninterest expense to average assets | 2.5560% | 3,451 |
| Loan and lease loss provision to assets | 0.1322% | 1,656 |
| Net operating income to assets | 0.5435% | 4,558 |
| Return on assets (ROA) | 0.5435% | 4,558 |
| Pretax return on assets | 0.5435% | 4,728 |
| Return on Equity (ROE) | 4.1413% | 4,677 |
| Retained earnings to average equity (ytd only) | 0.0672% | 4,972 |
| Net charge-offs to loans | -0.0121% | 4,546 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0909% | 1,033 |
| Assets per employee ($millions) | 5.4285% | 2,031 |
| Cash dividends to net income (ytd only)* | 98.3784% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 756 |
| Loan loss allowance to noncurrent loans | 62.8062% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 744 |
| Noncurrent loans to loans | 2.7833% | 395 |
| Net loans and leases to total assets | 48.6629% | 4,597 |
| Net loans and leases to deposits | 58.5584% | 4,550 |
| Net loans and leases to core deposits | 61.9213% | 4,541 |
| Total domestic deposits to total assets | 83.1015% | 3,293 |
| Equity capital to assets | 13.5949% | 1,110 |
| Core capital (leverage) ratio | 14.4281% | 818 |
| Tier 1 risk-based capital ratio | 22.7444% | 941 |
| Total risk-based capital ratio | 23.9927% | 910 |
| Memoranda: | ||
| Average total assets | $34,038,000 | 5,188 |
| Average earning assets | $30,893,000 | 5,185 |
| Average equity | $4,467,200 | 5,113 |
| Average total loans | $16,485,600 | 5,162 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 4,767 |
| Cost of funding earning assets | 0.3764% | 4,012 |
| Net interest margin | 3.2424% | 4,424 |
| Noninterest income to average assets | 0.3488% | 3,804 |
| Noninterest expense to average assets | 2.5732% | 3,369 |
| Loan and lease loss provision to assets | 0.1395% | 1,433 |
| Net operating income to assets | 0.5736% | 4,579 |
| Return on assets (ROA) | 0.5736% | 4,581 |
| Pretax return on assets | 0.5736% | 4,776 |
| Return on Equity (ROE) | 4.4076% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.1271% | 4,184 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3019% | 1,092 |
| Assets per employee ($millions) | 5.6255% | 1,801 |
| Cash dividends to net income (ytd only)* | 29.0529% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 973 |
| Loan loss allowance to noncurrent loans | 65.1442% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.8250% | 625 |
| Noncurrent loans to loans | 2.5263% | 514 |
| Net loans and leases to total assets | 47.9839% | 4,718 |
| Net loans and leases to deposits | 58.8753% | 4,602 |
| Net loans and leases to core deposits | 62.1990% | 4,604 |
| Total domestic deposits to total assets | 81.5009% | 3,737 |
| Equity capital to assets | 13.1899% | 1,259 |
| Core capital (leverage) ratio | 14.5711% | 805 |
| Tier 1 risk-based capital ratio | 22.2885% | 1,010 |
| Total risk-based capital ratio | 23.5368% | 992 |
| Memoranda: | ||
| Average total assets | $34,404,750 | 5,254 |
| Average earning assets | $31,169,250 | 5,251 |
| Average equity | $4,477,000 | 5,177 |
| Average total loans | $16,574,000 | 5,224 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,838 |
| Cost of funding earning assets | 0.5399% | 2,689 |
| Net interest margin | 3.0172% | 4,852 |
| Noninterest income to average assets | 0.3582% | 3,757 |
| Noninterest expense to average assets | 2.3511% | 4,022 |
| Loan and lease loss provision to assets | 0.1040% | 1,870 |
| Net operating income to assets | 0.6470% | 4,353 |
| Return on assets (ROA) | 0.6470% | 4,360 |
| Pretax return on assets | 0.6470% | 4,648 |
| Return on Equity (ROE) | 4.9941% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.5226% | 3,831 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7914% | 1,452 |
| Assets per employee ($millions) | 4.8144% | 2,666 |
| Cash dividends to net income (ytd only)* | 29.4643% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,173 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.8338% | 629 |
| Noncurrent loans to loans | 2.5977% | 485 |
| Net loans and leases to total assets | 46.9956% | 4,767 |
| Net loans and leases to deposits | 56.8037% | 4,711 |
| Net loans and leases to core deposits | 56.8037% | 4,839 |
| Total domestic deposits to total assets | 82.7335% | 3,485 |
| Equity capital to assets | 13.2518% | 1,206 |
| Core capital (leverage) ratio | 13.7918% | 966 |
| Tier 1 risk-based capital ratio | 20.7423% | 1,214 |
| Total risk-based capital ratio | 21.8367% | 1,204 |
| Memoranda: | ||
| Average total assets | $34,622,000 | 5,316 |
| Average earning assets | $31,485,670 | 5,313 |
| Average equity | $4,485,330 | 5,234 |
| Average total loans | $16,609,670 | 5,277 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 4,946 |
| Cost of funding earning assets | 0.4363% | 3,323 |
| Net interest margin | 3.0170% | 4,855 |
| Noninterest income to average assets | 0.3649% | 3,702 |
| Noninterest expense to average assets | 2.4400% | 3,836 |
| Loan and lease loss provision to assets | 0.1026% | 1,811 |
| Net operating income to assets | 0.5815% | 4,480 |
| Return on assets (ROA) | 0.5815% | 4,488 |
| Pretax return on assets | 0.5815% | 4,732 |
| Return on Equity (ROE) | 4.5384% | 4,622 |
| Retained earnings to average equity (ytd only) | 2.9366% | 4,024 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1022% | 1,348 |
| Assets per employee ($millions) | 5.0474% | 2,430 |
| Cash dividends to net income (ytd only)* | 35.2941% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 1,330 |
| Loan loss allowance to noncurrent loans | 61.1529% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.6953% | 755 |
| Noncurrent loans to loans | 2.5121% | 542 |
| Net loans and leases to total assets | 44.2630% | 4,883 |
| Net loans and leases to deposits | 53.2319% | 4,832 |
| Net loans and leases to core deposits | 53.2319% | 4,941 |
| Total domestic deposits to total assets | 83.1513% | 3,616 |
| Equity capital to assets | 12.5552% | 1,448 |
| Core capital (leverage) ratio | 13.6297% | 968 |
| Tier 1 risk-based capital ratio | 22.5734% | 985 |
| Total risk-based capital ratio | 23.7332% | 974 |
| Memoranda: | ||
| Average total assets | $35,082,500 | 5,362 |
| Average earning assets | $32,084,500 | 5,350 |
| Average equity | $4,495,000 | 5,287 |
| Average total loans | $16,869,000 | 5,328 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 4,916 |
| Cost of funding earning assets | 0.2868% | 4,259 |
| Net interest margin | 3.1301% | 4,627 |
| Noninterest income to average assets | 0.3356% | 4,065 |
| Noninterest expense to average assets | 2.6387% | 3,322 |
| Loan and lease loss provision to assets | 0.1215% | 1,883 |
| Net operating income to assets | 0.4485% | 4,542 |
| Return on assets (ROA) | 0.3674% | 4,810 |
| Pretax return on assets | 0.3674% | 5,126 |
| Return on Equity (ROE) | 2.7918% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.3410% | 4,474 |
| Net charge-offs to loans | 0.3562% | 713 |
| Credit loss provision to net charge-offs | 68.8525% | 3,100 |
| Earnings coverage of net charge-offs (x) | 3.2295% | 3,638 |
| Efficiency ratio | 82.2362% | 914 |
| Assets per employee ($millions) | 4.9761% | 2,508 |
| Cash dividends to net income (ytd only)* | 51.9685% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,132 |
| Loan loss allowance to noncurrent loans | 55.4245% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 696 |
| Noncurrent loans to loans | 2.3747% | 587 |
| Net loans and leases to total assets | 50.5842% | 4,618 |
| Net loans and leases to deposits | 63.5642% | 4,344 |
| Net loans and leases to core deposits | 63.5642% | 4,561 |
| Total domestic deposits to total assets | 79.5797% | 4,423 |
| Equity capital to assets | 13.0738% | 1,229 |
| Core capital (leverage) ratio | 13.6301% | 929 |
| Tier 1 risk-based capital ratio | 21.2260% | 1,107 |
| Total risk-based capital ratio | 22.2837% | 1,117 |
| Memoranda: | ||
| Average total assets | $34,563,000 | 5,421 |
| Average earning assets | $31,724,000 | 5,412 |
| Average equity | $4,549,000 | 5,340 |
| Average total loans | $17,126,400 | 5,382 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 4,964 |
| Cost of funding earning assets | 0.2816% | 4,300 |
| Net interest margin | 3.1231% | 4,647 |
| Noninterest income to average assets | 0.3324% | 4,159 |
| Noninterest expense to average assets | 2.5162% | 3,678 |
| Loan and lease loss provision to assets | 0.1276% | 1,694 |
| Net operating income to assets | 0.5604% | 4,538 |
| Return on assets (ROA) | 0.5604% | 4,574 |
| Pretax return on assets | 0.5604% | 4,908 |
| Return on Equity (ROE) | 4.2511% | 4,782 |
| Retained earnings to average equity (ytd only) | 2.9025% | 4,174 |
| Net charge-offs to loans | -0.0630% | 5,236 |
| Credit loss provision to net charge-offs | -412.5000% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5283% | 1,261 |
| Assets per employee ($millions) | 4.9863% | 2,469 |
| Cash dividends to net income (ytd only)* | 31.7230% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 1,065 |
| Loan loss allowance to noncurrent loans | 53.6364% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.9854% | 654 |
| Noncurrent loans to loans | 3.1355% | 386 |
| Net loans and leases to total assets | 49.4098% | 4,743 |
| Net loans and leases to deposits | 58.9808% | 4,682 |
| Net loans and leases to core deposits | 58.9808% | 4,870 |
| Total domestic deposits to total assets | 83.7726% | 3,201 |
| Equity capital to assets | 13.3624% | 1,222 |
| Core capital (leverage) ratio | 13.4817% | 1,027 |
| Tier 1 risk-based capital ratio | 21.8099% | 1,063 |
| Total risk-based capital ratio | 23.0607% | 1,045 |
| Memoranda: | ||
| Average total assets | $34,495,500 | 5,487 |
| Average earning assets | $31,720,000 | 5,468 |
| Average equity | $4,547,750 | 5,397 |
| Average total loans | $16,944,250 | 5,451 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 5,078 |
| Cost of funding earning assets | 0.2401% | 4,639 |
| Net interest margin | 3.0773% | 4,734 |
| Noninterest income to average assets | 0.3260% | 4,217 |
| Noninterest expense to average assets | 2.6077% | 3,412 |
| Loan and lease loss provision to assets | 0.1397% | 1,474 |
| Net operating income to assets | 0.4133% | 4,947 |
| Return on assets (ROA) | 0.4133% | 4,975 |
| Pretax return on assets | 0.4133% | 5,157 |
| Return on Equity (ROE) | 3.1493% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.7742% | 4,540 |
| Net charge-offs to loans | -0.0239% | 4,841 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5046% | 958 |
| Assets per employee ($millions) | 5.0459% | 2,343 |
| Cash dividends to net income (ytd only)* | 43.6620% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,301 |
| Loan loss allowance to noncurrent loans | 46.4345% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1092% | 582 |
| Noncurrent loans to loans | 3.4135% | 344 |
| Net loans and leases to total assets | 49.2200% | 4,750 |
| Net loans and leases to deposits | 59.6971% | 4,653 |
| Net loans and leases to core deposits | 59.6971% | 4,832 |
| Total domestic deposits to total assets | 82.4495% | 3,749 |
| Equity capital to assets | 13.0319% | 1,365 |
| Core capital (leverage) ratio | 13.6855% | 944 |
| Tier 1 risk-based capital ratio | 21.4991% | 1,121 |
| Total risk-based capital ratio | 22.7475% | 1,094 |
| Memoranda: | ||
| Average total assets | $34,359,330 | 5,529 |
| Average earning assets | $31,651,000 | 5,517 |
| Average equity | $4,509,000 | 5,441 |
| Average total loans | $16,745,330 | 5,504 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3506% | 5,028 |
| Cost of funding earning assets | 0.2577% | 4,474 |
| Net interest margin | 3.0929% | 4,670 |
| Noninterest income to average assets | 0.3306% | 4,186 |
| Noninterest expense to average assets | 2.6920% | 3,173 |
| Loan and lease loss provision to assets | 0.0708% | 2,390 |
| Net operating income to assets | 0.4014% | 4,935 |
| Return on assets (ROA) | 0.4014% | 4,961 |
| Pretax return on assets | 0.4014% | 5,156 |
| Return on Equity (ROE) | 3.0480% | 5,086 |
| Retained earnings to average equity (ytd only) | 1.7033% | 4,426 |
| Net charge-offs to loans | -0.0491% | 5,175 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0746% | 885 |
| Assets per employee ($millions) | 4.2248% | 3,625 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,252 |
| Loan loss allowance to noncurrent loans | 25.6611% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.4440% | 249 |
| Noncurrent loans to loans | 6.4254% | 96 |
| Net loans and leases to total assets | 46.2394% | 4,930 |
| Net loans and leases to deposits | 53.3415% | 4,975 |
| Net loans and leases to core deposits | 53.3415% | 5,091 |
| Total domestic deposits to total assets | 86.6856% | 2,359 |
| Equity capital to assets | 13.2493% | 1,164 |
| Core capital (leverage) ratio | 13.7388% | 906 |
| Tier 1 risk-based capital ratio | 22.8630% | 996 |
| Total risk-based capital ratio | 24.1087% | 975 |
| Memoranda: | ||
| Average total assets | $33,878,500 | 5,605 |
| Average earning assets | $31,039,000 | 5,597 |
| Average equity | $4,462,000 | 5,501 |
| Average total loans | $16,285,500 | 5,585 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2652% | 5,215 |
| Cost of funding earning assets | 0.2535% | 4,533 |
| Net interest margin | 3.0117% | 4,934 |
| Noninterest income to average assets | 0.5011% | 3,229 |
| Noninterest expense to average assets | 2.8355% | 2,902 |
| Loan and lease loss provision to assets | 0.1170% | 2,113 |
| Net operating income to assets | 0.2580% | 5,305 |
| Return on assets (ROA) | 0.7351% | 3,728 |
| Pretax return on assets | 0.7351% | 4,381 |
| Return on Equity (ROE) | 5.3913% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.0709% | 3,022 |
| Net charge-offs to loans | 0.7836% | 261 |
| Credit loss provision to net charge-offs | 32.5000% | 3,565 |
| Earnings coverage of net charge-offs (x) | 1.0417% | 4,049 |
| Efficiency ratio | 88.3178% | 649 |
| Assets per employee ($millions) | 4.2449% | 3,537 |
| Cash dividends to net income (ytd only)* | 24.4898% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,589 |
| Loan loss allowance to noncurrent loans | 36.4419% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.4706% | 484 |
| Noncurrent loans to loans | 4.1784% | 238 |
| Net loans and leases to total assets | 48.3730% | 4,870 |
| Net loans and leases to deposits | 57.5256% | 4,829 |
| Net loans and leases to core deposits | 57.5256% | 4,996 |
| Total domestic deposits to total assets | 84.0896% | 3,393 |
| Equity capital to assets | 13.0923% | 1,220 |
| Core capital (leverage) ratio | 13.7405% | 887 |
| Tier 1 risk-based capital ratio | 22.2712% | 1,045 |
| Total risk-based capital ratio | 23.4894% | 1,024 |
| Memoranda: | ||
| Average total assets | $33,327,000 | 5,661 |
| Average earning assets | $29,982,800 | 5,659 |
| Average equity | $4,544,400 | 5,549 |
| Average total loans | $15,314,200 | 5,657 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 5,158 |
| Cost of funding earning assets | 0.2513% | 4,591 |
| Net interest margin | 3.0833% | 4,816 |
| Noninterest income to average assets | 0.5507% | 2,914 |
| Noninterest expense to average assets | 2.8460% | 2,840 |
| Loan and lease loss provision to assets | 0.1327% | 1,768 |
| Net operating income to assets | 0.3336% | 5,203 |
| Return on assets (ROA) | 0.5789% | 4,490 |
| Pretax return on assets | 0.5789% | 4,931 |
| Return on Equity (ROE) | 4.2022% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.8890% | 4,167 |
| Net charge-offs to loans | 1.0686% | 155 |
| Credit loss provision to net charge-offs | 27.5000% | 3,244 |
| Earnings coverage of net charge-offs (x) | 0.9666% | 3,745 |
| Efficiency ratio | 85.9223% | 826 |
| Assets per employee ($millions) | 4.1465% | 3,694 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 1,489 |
| Loan loss allowance to noncurrent loans | 37.6328% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 2.4147% | 579 |
| Noncurrent loans to loans | 4.2360% | 247 |
| Net loans and leases to total assets | 46.1504% | 5,089 |
| Net loans and leases to deposits | 53.6875% | 5,130 |
| Net loans and leases to core deposits | 53.6875% | 5,233 |
| Total domestic deposits to total assets | 85.9611% | 2,380 |
| Equity capital to assets | 13.9726% | 1,043 |
| Core capital (leverage) ratio | 13.7971% | 910 |
| Tier 1 risk-based capital ratio | 21.9515% | 1,145 |
| Total risk-based capital ratio | 23.1458% | 1,129 |
| Memoranda: | ||
| Average total assets | $33,169,000 | 5,726 |
| Average earning assets | $29,707,500 | 5,725 |
| Average equity | $4,569,000 | 5,603 |
| Average total loans | $14,972,500 | 5,724 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2985% | 5,288 |
| Cost of funding earning assets | 0.2569% | 4,583 |
| Net interest margin | 3.0417% | 4,990 |
| Noninterest income to average assets | 0.6452% | 2,390 |
| Noninterest expense to average assets | 2.9486% | 2,521 |
| Loan and lease loss provision to assets | 0.1628% | 1,390 |
| Net operating income to assets | 0.2472% | 5,433 |
| Return on assets (ROA) | 0.5306% | 4,678 |
| Pretax return on assets | 0.5306% | 5,072 |
| Return on Equity (ROE) | 3.8707% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.5511% | 4,264 |
| Net charge-offs to loans | 1.6241% | 87 |
| Credit loss provision to net charge-offs | 22.5000% | 2,913 |
| Earnings coverage of net charge-offs (x) | 0.5667% | 3,510 |
| Efficiency ratio | 87.7917% | 734 |
| Assets per employee ($millions) | 4.1216% | 3,700 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,575 |
| Loan loss allowance to noncurrent loans | 39.4780% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.2928% | 651 |
| Noncurrent loans to loans | 4.0097% | 288 |
| Net loans and leases to total assets | 45.6313% | 5,151 |
| Net loans and leases to deposits | 53.1267% | 5,187 |
| Net loans and leases to core deposits | 53.1267% | 5,317 |
| Total domestic deposits to total assets | 85.8915% | 2,469 |
| Equity capital to assets | 14.0175% | 1,018 |
| Core capital (leverage) ratio | 13.5377% | 966 |
| Tier 1 risk-based capital ratio | 22.3924% | 1,090 |
| Total risk-based capital ratio | 23.5921% | 1,083 |
| Memoranda: | ||
| Average total assets | $33,168,000 | 5,795 |
| Average earning assets | $29,589,000 | 5,798 |
| Average equity | $4,547,000 | 5,664 |
| Average total loans | $14,777,670 | 5,796 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3265% | 5,270 |
| Cost of funding earning assets | 0.2738% | 4,460 |
| Net interest margin | 3.0528% | 4,991 |
| Noninterest income to average assets | 0.6734% | 2,155 |
| Noninterest expense to average assets | 2.9941% | 2,409 |
| Loan and lease loss provision to assets | 0.2525% | 694 |
| Net operating income to assets | 0.1082% | 5,669 |
| Return on assets (ROA) | 0.4329% | 4,968 |
| Pretax return on assets | 0.4329% | 5,239 |
| Return on Equity (ROE) | 3.1933% | 5,169 |
| Retained earnings to average equity (ytd only) | 1.5966% | 4,633 |
| Net charge-offs to loans | 2.9196% | 36 |
| Credit loss provision to net charge-offs | 19.8113% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.2830% | 2,946 |
| Efficiency ratio | 89.2473% | 723 |
| Assets per employee ($millions) | 4.1873% | 3,611 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,218 |
| Loan loss allowance to noncurrent loans | 36.8732% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 3.9375% | 263 |
| Noncurrent loans to loans | 4.7915% | 215 |
| Net loans and leases to total assets | 41.4950% | 5,374 |
| Net loans and leases to deposits | 49.7352% | 5,356 |
| Net loans and leases to core deposits | 49.7352% | 5,450 |
| Total domestic deposits to total assets | 83.4318% | 3,741 |
| Equity capital to assets | 13.5441% | 1,165 |
| Core capital (leverage) ratio | 13.6928% | 912 |
| Tier 1 risk-based capital ratio | 23.3591% | 980 |
| Total risk-based capital ratio | 24.6061% | 970 |
| Memoranda: | ||
| Average total assets | $33,265,500 | 5,853 |
| Average earning assets | $29,219,500 | 5,861 |
| Average equity | $4,509,500 | 5,717 |
| Average total loans | $14,522,500 | 5,859 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 4,770 |
| Cost of funding earning assets | 0.2584% | 4,705 |
| Net interest margin | 3.3043% | 4,283 |
| Noninterest income to average assets | 0.6465% | 2,476 |
| Noninterest expense to average assets | 2.9350% | 2,748 |
| Loan and lease loss provision to assets | 0.3579% | 404 |
| Net operating income to assets | 0.2767% | 5,419 |
| Return on assets (ROA) | 0.3037% | 5,429 |
| Pretax return on assets | 0.3037% | 5,515 |
| Return on Equity (ROE) | 2.1942% | 5,523 |
| Retained earnings to average equity (ytd only) | -2.7591% | 5,803 |
| Net charge-offs to loans | 0.2521% | 1,192 |
| Credit loss provision to net charge-offs | 290.2439% | 1,014 |
| Earnings coverage of net charge-offs (x) | 5.1463% | 3,432 |
| Efficiency ratio | 82.2241% | 1,377 |
| Assets per employee ($millions) | 4.1291% | 3,698 |
| Cash dividends to net income (ytd only)* | 225.7426% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 551 |
| Loan loss allowance to noncurrent loans | 21.9961% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 6.5510% | 117 |
| Noncurrent loans to loans | 10.2249% | 40 |
| Net loans and leases to total assets | 44.0771% | 5,277 |
| Net loans and leases to deposits | 52.5063% | 5,261 |
| Net loans and leases to core deposits | 52.5063% | 5,393 |
| Total domestic deposits to total assets | 83.9464% | 3,503 |
| Equity capital to assets | 13.7105% | 1,036 |
| Core capital (leverage) ratio | 13.8501% | 860 |
| Tier 1 risk-based capital ratio | 23.5608% | 949 |
| Total risk-based capital ratio | 24.8157% | 940 |
| Memoranda: | ||
| Average total assets | $33,253,600 | 5,905 |
| Average earning assets | $29,416,400 | 5,908 |
| Average equity | $4,603,000 | 5,742 |
| Average total loans | $16,260,600 | 5,855 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6288% | 4,648 |
| Cost of funding earning assets | 0.2521% | 4,862 |
| Net interest margin | 3.3767% | 4,045 |
| Noninterest income to average assets | 0.6285% | 2,590 |
| Noninterest expense to average assets | 2.9741% | 2,598 |
| Loan and lease loss provision to assets | 0.2322% | 780 |
| Net operating income to assets | 0.4243% | 5,072 |
| Return on assets (ROA) | 0.4603% | 5,028 |
| Pretax return on assets | 0.4603% | 5,326 |
| Return on Equity (ROE) | 3.3178% | 5,284 |
| Retained earnings to average equity (ytd only) | -3.2600% | 5,951 |
| Net charge-offs to loans | 0.2971% | 899 |
| Credit loss provision to net charge-offs | 156.7568% | 1,621 |
| Earnings coverage of net charge-offs (x) | 4.4326% | 3,351 |
| Efficiency ratio | 81.9184% | 1,410 |
| Assets per employee ($millions) | 4.1420% | 3,635 |
| Cash dividends to net income (ytd only)* | 198.2587% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 1,271 |
| Loan loss allowance to noncurrent loans | 31.0962% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 4.6324% | 234 |
| Noncurrent loans to loans | 5.7808% | 147 |
| Net loans and leases to total assets | 45.8323% | 5,240 |
| Net loans and leases to deposits | 53.0995% | 5,310 |
| Net loans and leases to core deposits | 53.0995% | 5,455 |
| Total domestic deposits to total assets | 86.3140% | 2,376 |
| Equity capital to assets | 13.5593% | 1,203 |
| Core capital (leverage) ratio | 13.4750% | 1,024 |
| Tier 1 risk-based capital ratio | 22.5172% | 1,120 |
| Total risk-based capital ratio | 23.7673% | 1,103 |
| Memoranda: | ||
| Average total assets | $33,308,750 | 5,985 |
| Average earning assets | $29,614,500 | 5,986 |
| Average equity | $4,621,500 | 5,818 |
| Average total loans | $16,602,000 | 5,923 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,329 |
| Cost of funding earning assets | 0.2485% | 4,959 |
| Net interest margin | 3.4784% | 3,591 |
| Noninterest income to average assets | 0.6174% | 2,640 |
| Noninterest expense to average assets | 2.9131% | 2,851 |
| Loan and lease loss provision to assets | 0.3117% | 472 |
| Net operating income to assets | 0.4975% | 4,780 |
| Return on assets (ROA) | 0.5335% | 4,745 |
| Pretax return on assets | 0.5335% | 5,140 |
| Return on Equity (ROE) | 3.8162% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.5298% | 4,444 |
| Net charge-offs to loans | 0.4476% | 574 |
| Credit loss provision to net charge-offs | 136.8421% | 1,632 |
| Earnings coverage of net charge-offs (x) | 3.5526% | 3,178 |
| Efficiency ratio | 78.2609% | 2,029 |
| Assets per employee ($millions) | 4.2295% | 3,415 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 1,734 |
| Loan loss allowance to noncurrent loans | 29.3290% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 4.6253% | 256 |
| Noncurrent loans to loans | 5.6386% | 180 |
| Net loans and leases to total assets | 47.6297% | 5,138 |
| Net loans and leases to deposits | 55.3225% | 5,168 |
| Net loans and leases to core deposits | 55.3225% | 5,354 |
| Total domestic deposits to total assets | 86.0947% | 2,648 |
| Equity capital to assets | 13.7960% | 1,058 |
| Core capital (leverage) ratio | 14.1376% | 803 |
| Tier 1 risk-based capital ratio | 22.6546% | 1,121 |
| Total risk-based capital ratio | 23.9052% | 1,101 |
| Memoranda: | ||
| Average total assets | $33,366,330 | 6,050 |
| Average earning assets | $29,783,670 | 6,046 |
| Average equity | $4,664,330 | 5,862 |
| Average total loans | $16,981,000 | 5,964 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 4,478 |
| Cost of funding earning assets | 0.2543% | 4,974 |
| Net interest margin | 3.4127% | 3,791 |
| Noninterest income to average assets | 0.5916% | 2,691 |
| Noninterest expense to average assets | 3.5253% | 1,256 |
| Loan and lease loss provision to assets | 0.5554% | 179 |
| Net operating income to assets | -0.4105% | 6,218 |
| Return on assets (ROA) | -0.2898% | 6,203 |
| Pretax return on assets | -0.2898% | 6,186 |
| Return on Equity (ROE) | -2.0590% | 6,174 |
| Retained earnings to average equity (ytd only) | -3.3458% | 5,819 |
| Net charge-offs to loans | 0.9723% | 244 |
| Credit loss provision to net charge-offs | 109.5238% | 1,517 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 3,073 |
| Efficiency ratio | 96.0526% | 500 |
| Assets per employee ($millions) | 4.1541% | 3,646 |
| Cash dividends to net income (ytd only)* | -62.5000% | 6,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 2,301 |
| Loan loss allowance to noncurrent loans | 27.3298% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 4.8025% | 263 |
| Noncurrent loans to loans | 5.6130% | 207 |
| Net loans and leases to total assets | 50.4107% | 4,801 |
| Net loans and leases to deposits | 59.4183% | 4,788 |
| Net loans and leases to core deposits | 59.4183% | 5,042 |
| Total domestic deposits to total assets | 84.8404% | 3,479 |
| Equity capital to assets | 14.0252% | 977 |
| Core capital (leverage) ratio | 14.1291% | 786 |
| Tier 1 risk-based capital ratio | 19.9199% | 1,644 |
| Total risk-based capital ratio | 21.0433% | 1,634 |
| Memoranda: | ||
| Average total assets | $33,131,500 | 6,122 |
| Average earning assets | $29,888,000 | 6,108 |
| Average equity | $4,662,500 | 5,917 |
| Average total loans | $17,278,000 | 6,002 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,833 |
| Cost of funding earning assets | 0.2446% | 5,385 |
| Net interest margin | 3.4403% | 4,020 |
| Noninterest income to average assets | 0.5810% | 2,982 |
| Noninterest expense to average assets | 3.0896% | 2,556 |
| Loan and lease loss provision to assets | 0.0983% | 2,514 |
| Net operating income to assets | 0.5363% | 4,657 |
| Return on assets (ROA) | 0.7210% | 3,897 |
| Pretax return on assets | 0.7210% | 4,553 |
| Return on Equity (ROE) | 5.3452% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.9095% | 3,430 |
| Net charge-offs to loans | 0.2491% | 1,720 |
| Credit loss provision to net charge-offs | 80.4878% | 2,853 |
| Earnings coverage of net charge-offs (x) | 5.1951% | 3,482 |
| Efficiency ratio | 82.9600% | 1,534 |
| Assets per employee ($millions) | 4.1288% | 3,665 |
| Cash dividends to net income (ytd only)* | 26.8595% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 2,625 |
| Loan loss allowance to noncurrent loans | 27.6344% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 4.7563% | 308 |
| Noncurrent loans to loans | 5.3016% | 258 |
| Net loans and leases to total assets | 52.3312% | 4,756 |
| Net loans and leases to deposits | 63.6719% | 4,558 |
| Net loans and leases to core deposits | 64.3834% | 4,799 |
| Total domestic deposits to total assets | 82.1889% | 4,354 |
| Equity capital to assets | 14.1205% | 916 |
| Core capital (leverage) ratio | 14.1168% | 785 |
| Tier 1 risk-based capital ratio | 22.0966% | 1,210 |
| Total risk-based capital ratio | 23.3224% | 1,189 |
| Memoranda: | ||
| Average total assets | $33,564,600 | 6,186 |
| Average earning assets | $30,666,200 | 6,168 |
| Average equity | $4,527,400 | 5,980 |
| Average total loans | $16,459,600 | 6,107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,827 |
| Cost of funding earning assets | 0.2427% | 5,482 |
| Net interest margin | 3.4669% | 3,954 |
| Noninterest income to average assets | 0.5737% | 3,042 |
| Noninterest expense to average assets | 3.2009% | 2,179 |
| Loan and lease loss provision to assets | 0.1068% | 2,257 |
| Net operating income to assets | 0.4313% | 5,140 |
| Return on assets (ROA) | 0.5895% | 4,576 |
| Pretax return on assets | 0.5895% | 5,061 |
| Return on Equity (ROE) | 4.4213% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.9377% | 4,505 |
| Net charge-offs to loans | -0.0576% | 5,965 |
| Credit loss provision to net charge-offs | -385.7143% | 5,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6085% | 1,221 |
| Assets per employee ($millions) | 4.6466% | 2,741 |
| Cash dividends to net income (ytd only)* | 33.5599% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 1,499 |
| Loan loss allowance to noncurrent loans | 31.0488% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 4.9314% | 355 |
| Noncurrent loans to loans | 6.0593% | 228 |
| Net loans and leases to total assets | 47.9432% | 5,209 |
| Net loans and leases to deposits | 56.0129% | 5,236 |
| Net loans and leases to core deposits | 56.6231% | 5,413 |
| Total domestic deposits to total assets | 85.5931% | 3,077 |
| Equity capital to assets | 14.0564% | 981 |
| Core capital (leverage) ratio | 13.9297% | 863 |
| Tier 1 risk-based capital ratio | 23.4362% | 1,056 |
| Total risk-based capital ratio | 24.6914% | 1,043 |
| Memoranda: | ||
| Average total assets | $33,698,250 | 6,259 |
| Average earning assets | $30,766,500 | 6,243 |
| Average equity | $4,493,250 | 6,056 |
| Average total loans | $16,189,000 | 6,184 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 5,430 |
| Cost of funding earning assets | 0.2373% | 5,610 |
| Net interest margin | 3.2517% | 4,774 |
| Noninterest income to average assets | 0.5808% | 2,926 |
| Noninterest expense to average assets | 3.1095% | 2,456 |
| Loan and lease loss provision to assets | 0.0645% | 2,977 |
| Net operating income to assets | 0.3814% | 5,286 |
| Return on assets (ROA) | 0.4283% | 5,191 |
| Pretax return on assets | 0.4283% | 5,485 |
| Return on Equity (ROE) | 3.2684% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.9252% | 4,917 |
| Net charge-offs to loans | -0.0491% | 5,863 |
| Credit loss provision to net charge-offs | -275.0000% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4587% | 1,134 |
| Assets per employee ($millions) | 4.0994% | 3,645 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 1,626 |
| Loan loss allowance to noncurrent loans | 29.4118% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 4.9672% | 368 |
| Noncurrent loans to loans | 6.3944% | 223 |
| Net loans and leases to total assets | 44.5434% | 5,494 |
| Net loans and leases to deposits | 51.9617% | 5,502 |
| Net loans and leases to core deposits | 52.5222% | 5,639 |
| Total domestic deposits to total assets | 85.7234% | 3,183 |
| Equity capital to assets | 13.9472% | 989 |
| Core capital (leverage) ratio | 13.5542% | 962 |
| Tier 1 risk-based capital ratio | 24.6090% | 916 |
| Total risk-based capital ratio | 25.8613% | 899 |
| Memoranda: | ||
| Average total assets | $34,089,000 | 6,305 |
| Average earning assets | $31,184,000 | 6,295 |
| Average equity | $4,467,000 | 6,100 |
| Average total loans | $16,287,670 | 6,226 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,407 |
| Cost of funding earning assets | 0.2261% | 5,787 |
| Net interest margin | 3.5926% | 3,274 |
| Noninterest income to average assets | 0.5988% | 2,742 |
| Noninterest expense to average assets | 3.1552% | 2,362 |
| Loan and lease loss provision to assets | 0.0576% | 2,965 |
| Net operating income to assets | 0.6794% | 3,784 |
| Return on assets (ROA) | 0.7715% | 3,382 |
| Pretax return on assets | 0.7715% | 4,217 |
| Return on Equity (ROE) | 6.0723% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.2597% | 3,569 |
| Net charge-offs to loans | -0.0471% | 5,778 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0651% | 2,040 |
| Assets per employee ($millions) | 4.2640% | 3,412 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 2,265 |
| Loan loss allowance to noncurrent loans | 27.3642% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 4.8986% | 426 |
| Noncurrent loans to loans | 6.3111% | 272 |
| Net loans and leases to total assets | 45.3741% | 5,393 |
| Net loans and leases to deposits | 52.4767% | 5,426 |
| Net loans and leases to core deposits | 53.0159% | 5,564 |
| Total domestic deposits to total assets | 86.4652% | 3,131 |
| Equity capital to assets | 13.1713% | 1,224 |
| Core capital (leverage) ratio | 13.3535% | 1,019 |
| Tier 1 risk-based capital ratio | 23.4791% | 1,077 |
| Total risk-based capital ratio | 24.7302% | 1,058 |
| Memoranda: | ||
| Average total assets | $34,736,000 | 6,358 |
| Average earning assets | $31,843,000 | 6,341 |
| Average equity | $4,413,500 | 6,158 |
| Average total loans | $16,987,500 | 6,261 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 5,339 |
| Cost of funding earning assets | 0.2993% | 5,602 |
| Net interest margin | 3.3291% | 4,555 |
| Noninterest income to average assets | 0.4795% | 3,888 |
| Noninterest expense to average assets | 2.6590% | 4,247 |
| Loan and lease loss provision to assets | 0.1062% | 3,020 |
| Net operating income to assets | 0.8126% | 3,229 |
| Return on assets (ROA) | 0.8327% | 3,204 |
| Pretax return on assets | 0.8327% | 4,023 |
| Return on Equity (ROE) | 6.6716% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.5213% | 2,264 |
| Net charge-offs to loans | 0.0693% | 4,236 |
| Credit loss provision to net charge-offs | 336.3636% | 679 |
| Earnings coverage of net charge-offs (x) | 29.0909% | 1,214 |
| Efficiency ratio | 74.3178% | 3,080 |
| Assets per employee ($millions) | 4.4200% | 3,051 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,406 |
| Loan loss allowance to noncurrent loans | 27.4327% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 4.6465% | 527 |
| Noncurrent loans to loans | 5.3004% | 439 |
| Net loans and leases to total assets | 50.7919% | 4,988 |
| Net loans and leases to deposits | 62.4522% | 4,681 |
| Net loans and leases to core deposits | 63.1105% | 4,961 |
| Total domestic deposits to total assets | 81.3292% | 5,093 |
| Equity capital to assets | 12.2568% | 1,647 |
| Core capital (leverage) ratio | 12.9353% | 1,165 |
| Tier 1 risk-based capital ratio | 20.7013% | 1,490 |
| Total risk-based capital ratio | 21.9322% | 1,466 |
| Memoranda: | ||
| Average total assets | $34,825,400 | 6,421 |
| Average earning assets | $32,411,000 | 6,392 |
| Average equity | $4,346,800 | 6,252 |
| Average total loans | $15,868,400 | 6,379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 5,396 |
| Cost of funding earning assets | 0.3004% | 5,734 |
| Net interest margin | 3.3166% | 4,579 |
| Noninterest income to average assets | 0.4228% | 4,347 |
| Noninterest expense to average assets | 2.9324% | 3,201 |
| Loan and lease loss provision to assets | 0.1307% | 2,654 |
| Net operating income to assets | 0.4573% | 4,996 |
| Return on assets (ROA) | 0.4843% | 5,028 |
| Pretax return on assets | 0.4843% | 5,401 |
| Return on Equity (ROE) | 3.8621% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.9425% | 4,564 |
| Net charge-offs to loans | 0.1047% | 3,490 |
| Credit loss provision to net charge-offs | 283.3333% | 892 |
| Earnings coverage of net charge-offs (x) | 12.7494% | 2,099 |
| Efficiency ratio | 83.2969% | 1,676 |
| Assets per employee ($millions) | 4.4169% | 3,026 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,251 |
| Loan loss allowance to noncurrent loans | 30.7420% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 4.3187% | 705 |
| Noncurrent loans to loans | 5.0260% | 594 |
| Net loans and leases to total assets | 47.0666% | 5,440 |
| Net loans and leases to deposits | 56.0363% | 5,373 |
| Net loans and leases to core deposits | 56.8601% | 5,543 |
| Total domestic deposits to total assets | 83.9932% | 4,186 |
| Equity capital to assets | 11.9768% | 1,933 |
| Core capital (leverage) ratio | 12.2790% | 1,531 |
| Tier 1 risk-based capital ratio | 21.2893% | 1,440 |
| Total risk-based capital ratio | 22.5381% | 1,403 |
| Memoranda: | ||
| Average total assets | $34,691,750 | 6,490 |
| Average earning assets | $32,401,750 | 6,460 |
| Average equity | $4,350,000 | 6,324 |
| Average total loans | $15,279,250 | 6,468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4968% | 5,703 |
| Cost of funding earning assets | 0.3027% | 5,808 |
| Net interest margin | 3.1941% | 4,967 |
| Noninterest income to average assets | 0.7657% | 2,349 |
| Noninterest expense to average assets | 2.8599% | 3,477 |
| Loan and lease loss provision to assets | 0.1508% | 2,436 |
| Net operating income to assets | 0.7541% | 3,546 |
| Return on assets (ROA) | 0.7309% | 3,827 |
| Pretax return on assets | 0.7309% | 4,574 |
| Return on Equity (ROE) | 5.7412% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.8299% | 3,163 |
| Net charge-offs to loans | -0.0543% | 6,295 |
| Credit loss provision to net charge-offs | -650.0000% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9630% | 2,794 |
| Assets per employee ($millions) | 4.4075% | 2,973 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 2,943 |
| Loan loss allowance to noncurrent loans | 33.4994% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 4.4044% | 752 |
| Noncurrent loans to loans | 4.9510% | 661 |
| Net loans and leases to total assets | 45.2354% | 5,613 |
| Net loans and leases to deposits | 52.2540% | 5,669 |
| Net loans and leases to core deposits | 53.0006% | 5,816 |
| Total domestic deposits to total assets | 86.5683% | 3,082 |
| Equity capital to assets | 12.1015% | 1,851 |
| Core capital (leverage) ratio | 12.2840% | 1,460 |
| Tier 1 risk-based capital ratio | 21.7531% | 1,340 |
| Total risk-based capital ratio | 23.0061% | 1,313 |
| Memoranda: | ||
| Average total assets | $34,477,330 | 6,538 |
| Average earning assets | $32,372,330 | 6,506 |
| Average equity | $4,389,330 | 6,359 |
| Average total loans | $14,741,670 | 6,532 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 5,056 |
| Cost of funding earning assets | 0.3088% | 5,904 |
| Net interest margin | 3.4214% | 4,044 |
| Noninterest income to average assets | 0.6454% | 2,903 |
| Noninterest expense to average assets | 2.7225% | 3,973 |
| Loan and lease loss provision to assets | 0.0352% | 4,006 |
| Net operating income to assets | 1.1383% | 1,720 |
| Return on assets (ROA) | 1.0914% | 2,000 |
| Pretax return on assets | 1.0914% | 2,989 |
| Return on Equity (ROE) | 8.3586% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.4598% | 1,960 |
| Net charge-offs to loans | -0.0571% | 6,188 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8795% | 3,997 |
| Assets per employee ($millions) | 4.3071% | 3,322 |
| Cash dividends to net income (ytd only)* | 10.7527% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 2,834 |
| Loan loss allowance to noncurrent loans | 61.7722% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 3.3404% | 1,303 |
| Noncurrent loans to loans | 2.8202% | 1,799 |
| Net loans and leases to total assets | 39.9396% | 6,000 |
| Net loans and leases to deposits | 46.0098% | 6,053 |
| Net loans and leases to core deposits | 46.6809% | 6,172 |
| Total domestic deposits to total assets | 86.8067% | 3,075 |
| Equity capital to assets | 12.9640% | 1,445 |
| Core capital (leverage) ratio | 12.7001% | 1,248 |
| Tier 1 risk-based capital ratio | 25.6962% | 820 |
| Total risk-based capital ratio | 26.9511% | 808 |
| Memoranda: | ||
| Average total assets | $34,086,000 | 6,616 |
| Average earning assets | $32,384,500 | 6,568 |
| Average equity | $4,450,500 | 6,404 |
| Average total loans | $14,003,000 | 6,623 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 6,221 |
| Cost of funding earning assets | 0.4141% | 5,824 |
| Net interest margin | 3.1915% | 5,589 |
| Noninterest income to average assets | 0.6354% | 3,079 |
| Noninterest expense to average assets | 3.0942% | 2,943 |
| Loan and lease loss provision to assets | 0.1241% | 4,062 |
| Net operating income to assets | 0.7418% | 3,548 |
| Return on assets (ROA) | 1.0609% | 2,273 |
| Pretax return on assets | 0.7654% | 4,433 |
| Return on Equity (ROE) | 8.4103% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.6606% | 1,253 |
| Net charge-offs to loans | 0.4339% | 2,501 |
| Credit loss provision to net charge-offs | 73.6842% | 4,047 |
| Earnings coverage of net charge-offs (x) | 3.3860% | 3,749 |
| Efficiency ratio | 84.4355% | 1,578 |
| Assets per employee ($millions) | 4.2144% | 3,523 |
| Cash dividends to net income (ytd only)* | 8.9136% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 2,910 |
| Loan loss allowance to noncurrent loans | 52.6432% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 3.5889% | 1,252 |
| Noncurrent loans to loans | 3.2429% | 1,587 |
| Net loans and leases to total assets | 40.8157% | 6,116 |
| Net loans and leases to deposits | 48.6633% | 6,059 |
| Net loans and leases to core deposits | 49.4147% | 6,180 |
| Total domestic deposits to total assets | 83.8736% | 4,373 |
| Equity capital to assets | 13.1514% | 1,376 |
| Core capital (leverage) ratio | 12.5730% | 1,294 |
| Tier 1 risk-based capital ratio | 25.5405% | 804 |
| Total risk-based capital ratio | 26.7882% | 796 |
| Memoranda: | ||
| Average total assets | $33,837,600 | 6,661 |
| Average earning assets | $32,116,600 | 6,603 |
| Average equity | $4,268,600 | 6,509 |
| Average total loans | $13,135,400 | 6,732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 6,244 |
| Cost of funding earning assets | 0.4399% | 5,868 |
| Net interest margin | 3.2452% | 5,565 |
| Noninterest income to average assets | 0.6377% | 3,062 |
| Noninterest expense to average assets | 3.1612% | 2,676 |
| Loan and lease loss provision to assets | 0.1575% | 3,548 |
| Net operating income to assets | 0.3976% | 5,261 |
| Return on assets (ROA) | 0.8070% | 3,660 |
| Pretax return on assets | 0.8070% | 4,458 |
| Return on Equity (ROE) | 6.4659% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.7718% | 2,854 |
| Net charge-offs to loans | 0.7740% | 1,429 |
| Credit loss provision to net charge-offs | 53.3333% | 4,314 |
| Earnings coverage of net charge-offs (x) | 1.8800% | 4,319 |
| Efficiency ratio | 85.0636% | 1,469 |
| Assets per employee ($millions) | 4.1458% | 3,585 |
| Cash dividends to net income (ytd only)* | 10.7306% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 2,970 |
| Loan loss allowance to noncurrent loans | 81.7164% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 3.1719% | 1,625 |
| Noncurrent loans to loans | 2.1407% | 2,683 |
| Net loans and leases to total assets | 37.0862% | 6,478 |
| Net loans and leases to deposits | 44.2478% | 6,489 |
| Net loans and leases to core deposits | 45.1575% | 6,556 |
| Total domestic deposits to total assets | 83.8148% | 4,316 |
| Equity capital to assets | 13.0676% | 1,566 |
| Core capital (leverage) ratio | 11.9142% | 1,710 |
| Tier 1 risk-based capital ratio | 26.5169% | 782 |
| Total risk-based capital ratio | 27.7669% | 765 |
| Memoranda: | ||
| Average total assets | $33,868,250 | 6,739 |
| Average earning assets | $32,128,750 | 6,685 |
| Average equity | $4,227,250 | 6,595 |
| Average total loans | $12,919,250 | 6,832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 6,370 |
| Cost of funding earning assets | 0.4506% | 5,970 |
| Net interest margin | 3.2284% | 5,654 |
| Noninterest income to average assets | 0.6217% | 3,120 |
| Noninterest expense to average assets | 3.2197% | 2,525 |
| Loan and lease loss provision to assets | 0.2111% | 2,963 |
| Net operating income to assets | 0.2580% | 5,739 |
| Return on assets (ROA) | 0.7331% | 3,963 |
| Pretax return on assets | 0.7331% | 4,732 |
| Return on Equity (ROE) | 5.9642% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.1531% | 3,186 |
| Net charge-offs to loans | 0.9500% | 1,163 |
| Credit loss provision to net charge-offs | 58.0645% | 3,852 |
| Earnings coverage of net charge-offs (x) | 1.2903% | 4,360 |
| Efficiency ratio | 87.2814% | 1,311 |
| Assets per employee ($millions) | 4.2979% | 3,261 |
| Cash dividends to net income (ytd only)* | 13.6000% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 3,146 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 3.2283% | 1,687 |
| Noncurrent loans to loans | 2.0065% | 2,944 |
| Net loans and leases to total assets | 37.8937% | 6,487 |
| Net loans and leases to deposits | 45.3246% | 6,485 |
| Net loans and leases to core deposits | 46.2251% | 6,561 |
| Total domestic deposits to total assets | 83.6053% | 4,483 |
| Equity capital to assets | 12.3230% | 1,922 |
| Core capital (leverage) ratio | 11.6635% | 1,803 |
| Tier 1 risk-based capital ratio | 24.7156% | 930 |
| Total risk-based capital ratio | 25.9706% | 916 |
| Memoranda: | ||
| Average total assets | $34,102,330 | 6,782 |
| Average earning assets | $32,399,670 | 6,726 |
| Average equity | $4,191,670 | 6,635 |
| Average total loans | $13,052,670 | 6,879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 6,343 |
| Cost of funding earning assets | 0.4830% | 5,923 |
| Net interest margin | 3.2695% | 5,576 |
| Noninterest income to average assets | 0.6124% | 3,148 |
| Noninterest expense to average assets | 3.1682% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5536% | 4,569 |
| Return on assets (ROA) | 0.8833% | 3,220 |
| Pretax return on assets | 0.8833% | 4,091 |
| Return on Equity (ROE) | 7.1960% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.0446% | 2,932 |
| Net charge-offs to loans | 0.8339% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.7407% | 3,467 |
| Efficiency ratio | 85.1266% | 1,570 |
| Assets per employee ($millions) | 4.2399% | 3,508 |
| Cash dividends to net income (ytd only)* | 16.0000% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 2,911 |
| Loan loss allowance to noncurrent loans | 63.9437% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 3.2578% | 1,773 |
| Noncurrent loans to loans | 2.8530% | 2,265 |
| Net loans and leases to total assets | 36.0152% | 6,613 |
| Net loans and leases to deposits | 41.3471% | 6,688 |
| Net loans and leases to core deposits | 42.1459% | 6,743 |
| Total domestic deposits to total assets | 87.1046% | 2,898 |
| Equity capital to assets | 12.3736% | 1,806 |
| Core capital (leverage) ratio | 11.3409% | 2,005 |
| Tier 1 risk-based capital ratio | 25.2798% | 877 |
| Total risk-based capital ratio | 26.5332% | 858 |
| Memoranda: | ||
| Average total assets | $33,962,000 | 6,842 |
| Average earning assets | $32,298,500 | 6,785 |
| Average equity | $4,169,000 | 6,674 |
| Average total loans | $12,950,500 | 6,941 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 6,568 |
| Cost of funding earning assets | 0.6172% | 5,998 |
| Net interest margin | 3.3177% | 5,758 |
| Noninterest income to average assets | -0.2753% | 7,190 |
| Noninterest expense to average assets | 3.3325% | 2,413 |
| Loan and lease loss provision to assets | 0.4740% | 2,235 |
| Net operating income to assets | -0.9538% | 6,718 |
| Return on assets (ROA) | -0.7721% | 6,674 |
| Pretax return on assets | -0.7721% | 6,633 |
| Return on Equity (ROE) | -6.3344% | 6,600 |
| Retained earnings to average equity (ytd only) | -6.8002% | 6,558 |
| Net charge-offs to loans | 1.4089% | 1,156 |
| Credit loss provision to net charge-offs | 90.2703% | 3,993 |
| Earnings coverage of net charge-offs (x) | -0.9135% | 6,178 |
| Efficiency ratio | 116.8159% | 335 |
| Assets per employee ($millions) | 4.2506% | 3,364 |
| Cash dividends to net income (ytd only)* | -7.3529% | 7,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 2,608 |
| Loan loss allowance to noncurrent loans | 126.3682% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 2.7966% | 2,164 |
| Noncurrent loans to loans | 1.4935% | 3,908 |
| Net loans and leases to total assets | 38.8296% | 6,611 |
| Net loans and leases to deposits | 47.7420% | 6,515 |
| Net loans and leases to core deposits | 48.7286% | 6,607 |
| Total domestic deposits to total assets | 81.3322% | 5,351 |
| Equity capital to assets | 12.1776% | 1,991 |
| Core capital (leverage) ratio | 11.4533% | 1,928 |
| Tier 1 risk-based capital ratio | 24.3353% | 939 |
| Total risk-based capital ratio | 25.6178% | 925 |
| Memoranda: | ||
| Average total assets | $35,229,200 | 6,820 |
| Average earning assets | $33,216,000 | 6,774 |
| Average equity | $4,294,000 | 6,656 |
| Average total loans | $13,130,600 | 6,989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 6,633 |
| Cost of funding earning assets | 0.6499% | 6,033 |
| Net interest margin | 3.3214% | 5,800 |
| Noninterest income to average assets | 0.5740% | 3,344 |
| Noninterest expense to average assets | 3.0392% | 3,407 |
| Loan and lease loss provision to assets | 0.6266% | 1,559 |
| Net operating income to assets | 0.0338% | 6,104 |
| Return on assets (ROA) | 0.1726% | 5,891 |
| Pretax return on assets | 0.1726% | 5,944 |
| Return on Equity (ROE) | 1.4157% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.9540% | 5,624 |
| Net charge-offs to loans | 1.7983% | 744 |
| Credit loss provision to net charge-offs | 94.8864% | 3,611 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,878 |
| Efficiency ratio | 82.1501% | 1,950 |
| Assets per employee ($millions) | 4.4330% | 3,027 |
| Cash dividends to net income (ytd only)* | 32.6105% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 2,300 |
| Loan loss allowance to noncurrent loans | 123.4742% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 3.5614% | 1,766 |
| Noncurrent loans to loans | 1.6304% | 3,852 |
| Net loans and leases to total assets | 36.0958% | 6,865 |
| Net loans and leases to deposits | 42.0284% | 6,911 |
| Net loans and leases to core deposits | 42.8156% | 6,958 |
| Total domestic deposits to total assets | 85.8843% | 3,278 |
| Equity capital to assets | 12.6128% | 1,842 |
| Core capital (leverage) ratio | 11.6426% | 1,926 |
| Tier 1 risk-based capital ratio | 25.8102% | 854 |
| Total risk-based capital ratio | 27.0661% | 831 |
| Memoranda: | ||
| Average total assets | $35,535,250 | 6,873 |
| Average earning assets | $33,438,500 | 6,831 |
| Average equity | $4,332,250 | 6,697 |
| Average total loans | $13,048,750 | 7,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 6,836 |
| Cost of funding earning assets | 0.6809% | 6,065 |
| Net interest margin | 3.1955% | 6,172 |
| Noninterest income to average assets | 0.5962% | 3,171 |
| Noninterest expense to average assets | 3.0203% | 3,562 |
| Loan and lease loss provision to assets | 0.9393% | 939 |
| Net operating income to assets | -0.3543% | 6,581 |
| Return on assets (ROA) | -0.1462% | 6,459 |
| Pretax return on assets | -0.1462% | 6,411 |
| Return on Equity (ROE) | -1.2134% | 6,427 |
| Retained earnings to average equity (ytd only) | -1.6802% | 6,193 |
| Net charge-offs to loans | 2.7140% | 409 |
| Credit loss provision to net charge-offs | 94.3503% | 3,327 |
| Earnings coverage of net charge-offs (x) | 0.5876% | 4,860 |
| Efficiency ratio | 83.7754% | 1,842 |
| Assets per employee ($millions) | 4.4159% | 2,967 |
| Cash dividends to net income (ytd only)* | -38.4615% | 7,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0920% | 2,135 |
| Loan loss allowance to noncurrent loans | 98.8679% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 3.7224% | 1,747 |
| Noncurrent loans to loans | 2.1159% | 3,330 |
| Net loans and leases to total assets | 34.7100% | 7,027 |
| Net loans and leases to deposits | 39.7446% | 7,072 |
| Net loans and leases to core deposits | 40.4793% | 7,118 |
| Total domestic deposits to total assets | 87.3326% | 2,553 |
| Equity capital to assets | 12.3333% | 1,883 |
| Core capital (leverage) ratio | 11.4076% | 1,970 |
| Tier 1 risk-based capital ratio | 26.1031% | 806 |
| Total risk-based capital ratio | 27.3557% | 786 |
| Memoranda: | ||
| Average total assets | $35,559,000 | 6,936 |
| Average earning assets | $33,484,330 | 6,889 |
| Average equity | $4,285,330 | 6,749 |
| Average total loans | $13,043,670 | 7,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 6,674 |
| Cost of funding earning assets | 0.7143% | 6,057 |
| Net interest margin | 3.2978% | 5,786 |
| Noninterest income to average assets | 0.6055% | 3,126 |
| Noninterest expense to average assets | 2.9040% | 4,044 |
| Loan and lease loss provision to assets | 1.6819% | 359 |
| Net operating income to assets | -0.8746% | 6,996 |
| Return on assets (ROA) | -0.8746% | 6,999 |
| Pretax return on assets | -0.8746% | 6,951 |
| Return on Equity (ROE) | -7.3420% | 6,933 |
| Retained earnings to average equity (ytd only) | -7.8127% | 6,739 |
| Net charge-offs to loans | 4.6604% | 174 |
| Credit loss provision to net charge-offs | 96.7742% | 2,818 |
| Earnings coverage of net charge-offs (x) | 0.4645% | 4,271 |
| Efficiency ratio | 78.2477% | 2,806 |
| Assets per employee ($millions) | 4.5296% | 2,838 |
| Cash dividends to net income (ytd only)* | -6.4103% | 7,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 1,994 |
| Loan loss allowance to noncurrent loans | 99.2565% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 3.6399% | 1,867 |
| Noncurrent loans to loans | 2.2044% | 3,314 |
| Net loans and leases to total assets | 32.9387% | 7,127 |
| Net loans and leases to deposits | 37.4040% | 7,185 |
| Net loans and leases to core deposits | 38.0722% | 7,218 |
| Total domestic deposits to total assets | 88.0619% | 2,341 |
| Equity capital to assets | 11.6456% | 2,165 |
| Core capital (leverage) ratio | 11.1015% | 2,113 |
| Tier 1 risk-based capital ratio | 25.2432% | 853 |
| Total risk-based capital ratio | 26.4992% | 832 |
| Memoranda: | ||
| Average total assets | $35,675,000 | 6,978 |
| Average earning assets | $33,598,000 | 6,934 |
| Average equity | $4,249,500 | 6,791 |
| Average total loans | $13,303,500 | 7,173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 6,383 |
| Cost of funding earning assets | 1.0611% | 5,360 |
| Net interest margin | 3.4477% | 5,443 |
| Noninterest income to average assets | 0.5890% | 3,544 |
| Noninterest expense to average assets | 3.2186% | 3,019 |
| Loan and lease loss provision to assets | 0.1719% | 5,505 |
| Net operating income to assets | 0.4362% | 4,381 |
| Return on assets (ROA) | 0.5030% | 4,246 |
| Pretax return on assets | 0.5030% | 4,615 |
| Return on Equity (ROE) | 3.7555% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.2818% | 4,280 |
| Net charge-offs to loans | 1.8010% | 1,168 |
| Credit loss provision to net charge-offs | 23.3766% | 6,535 |
| Earnings coverage of net charge-offs (x) | 0.8268% | 5,303 |
| Efficiency ratio | 84.1098% | 1,907 |
| Assets per employee ($millions) | 4.3891% | 3,052 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 2,597 |
| Loan loss allowance to noncurrent loans | 66.9951% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 4.1466% | 1,617 |
| Noncurrent loans to loans | 2.8187% | 2,705 |
| Net loans and leases to total assets | 40.2472% | 6,948 |
| Net loans and leases to deposits | 45.9682% | 7,045 |
| Net loans and leases to core deposits | 46.8211% | 7,115 |
| Total domestic deposits to total assets | 87.5545% | 2,514 |
| Equity capital to assets | 12.1864% | 1,805 |
| Core capital (leverage) ratio | 13.0839% | 1,101 |
| Tier 1 risk-based capital ratio | 23.7492% | 955 |
| Total risk-based capital ratio | 25.0043% | 939 |
| Memoranda: | ||
| Average total assets | $31,410,800 | 7,160 |
| Average earning assets | $29,498,200 | 7,107 |
| Average equity | $4,207,200 | 6,915 |
| Average total loans | $12,826,000 | 7,262 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 5,995 |
| Cost of funding earning assets | 1.1380% | 5,210 |
| Net interest margin | 3.5678% | 5,030 |
| Noninterest income to average assets | 0.5948% | 3,473 |
| Noninterest expense to average assets | 3.3502% | 2,430 |
| Loan and lease loss provision to assets | 0.2362% | 4,710 |
| Net operating income to assets | 0.3543% | 4,948 |
| Return on assets (ROA) | 0.4461% | 4,747 |
| Pretax return on assets | 0.4461% | 5,094 |
| Return on Equity (ROE) | 3.2464% | 5,119 |
| Retained earnings to average equity (ytd only) | 1.2730% | 5,299 |
| Net charge-offs to loans | 2.3059% | 773 |
| Credit loss provision to net charge-offs | 25.1163% | 6,200 |
| Earnings coverage of net charge-offs (x) | 0.6279% | 5,408 |
| Efficiency ratio | 85.0166% | 1,728 |
| Assets per employee ($millions) | 3.9198% | 3,989 |
| Cash dividends to net income (ytd only)* | 60.7794% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 1,606 |
| Loan loss allowance to noncurrent loans | 72.1805% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 4.6400% | 1,443 |
| Noncurrent loans to loans | 3.2087% | 2,477 |
| Net loans and leases to total assets | 38.7365% | 7,148 |
| Net loans and leases to deposits | 45.2352% | 7,195 |
| Net loans and leases to core deposits | 46.1986% | 7,263 |
| Total domestic deposits to total assets | 85.6337% | 3,276 |
| Equity capital to assets | 13.8657% | 1,209 |
| Core capital (leverage) ratio | 13.2216% | 1,142 |
| Tier 1 risk-based capital ratio | 27.5869% | 654 |
| Total risk-based capital ratio | 28.8436% | 643 |
| Memoranda: | ||
| Average total assets | $30,485,250 | 7,273 |
| Average earning assets | $28,588,250 | 7,223 |
| Average equity | $4,189,250 | 7,018 |
| Average total loans | $12,431,500 | 7,377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 6,039 |
| Cost of funding earning assets | 1.1845% | 5,209 |
| Net interest margin | 3.5466% | 5,063 |
| Noninterest income to average assets | 0.5431% | 3,764 |
| Noninterest expense to average assets | 3.3649% | 2,356 |
| Loan and lease loss provision to assets | 0.3577% | 3,568 |
| Net operating income to assets | 0.1523% | 5,712 |
| Return on assets (ROA) | 0.1523% | 5,836 |
| Pretax return on assets | 0.1523% | 5,879 |
| Return on Equity (ROE) | 1.1121% | 5,916 |
| Retained earnings to average equity (ytd only) | -1.8857% | 6,127 |
| Net charge-offs to loans | 3.1536% | 493 |
| Credit loss provision to net charge-offs | 27.5510% | 5,770 |
| Earnings coverage of net charge-offs (x) | 0.3929% | 5,344 |
| Efficiency ratio | 86.8376% | 1,615 |
| Assets per employee ($millions) | 3.8023% | 4,220 |
| Cash dividends to net income (ytd only)* | 269.5652% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4800% | 1,326 |
| Loan loss allowance to noncurrent loans | 59.6117% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 5.1647% | 1,226 |
| Noncurrent loans to loans | 4.1603% | 1,795 |
| Net loans and leases to total assets | 39.6870% | 7,186 |
| Net loans and leases to deposits | 46.5059% | 7,228 |
| Net loans and leases to core deposits | 47.5313% | 7,303 |
| Total domestic deposits to total assets | 85.3376% | 3,446 |
| Equity capital to assets | 13.9358% | 1,181 |
| Core capital (leverage) ratio | 13.1170% | 1,171 |
| Tier 1 risk-based capital ratio | 26.5307% | 732 |
| Total risk-based capital ratio | 27.7894% | 722 |
| Memoranda: | ||
| Average total assets | $30,194,330 | 7,340 |
| Average earning assets | $28,365,330 | 7,281 |
| Average equity | $4,136,330 | 7,064 |
| Average total loans | $12,430,330 | 7,434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 5,891 |
| Cost of funding earning assets | 1.2246% | 5,258 |
| Net interest margin | 3.5751% | 4,833 |
| Noninterest income to average assets | 0.4521% | 4,445 |
| Noninterest expense to average assets | 3.2311% | 2,754 |
| Loan and lease loss provision to assets | 0.7180% | 1,774 |
| Net operating income to assets | -0.1197% | 6,449 |
| Return on assets (ROA) | -0.1197% | 6,530 |
| Pretax return on assets | -0.1197% | 6,485 |
| Return on Equity (ROE) | -0.8813% | 6,510 |
| Retained earnings to average equity (ytd only) | -6.9523% | 6,732 |
| Net charge-offs to loans | 3.7893% | 364 |
| Credit loss provision to net charge-offs | 45.7627% | 4,544 |
| Earnings coverage of net charge-offs (x) | 0.3814% | 4,698 |
| Efficiency ratio | 84.3750% | 1,988 |
| Assets per employee ($millions) | 3.9070% | 4,082 |
| Cash dividends to net income (ytd only)* | -688.8889% | 7,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0534% | 783 |
| Loan loss allowance to noncurrent loans | 44.1008% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 4.7351% | 1,394 |
| Noncurrent loans to loans | 6.9236% | 869 |
| Net loans and leases to total assets | 39.1093% | 7,301 |
| Net loans and leases to deposits | 45.1170% | 7,361 |
| Net loans and leases to core deposits | 46.0692% | 7,427 |
| Total domestic deposits to total assets | 86.6842% | 2,793 |
| Equity capital to assets | 13.0151% | 1,521 |
| Core capital (leverage) ratio | 13.0942% | 1,186 |
| Tier 1 risk-based capital ratio | 24.2220% | 947 |
| Total risk-based capital ratio | 24.5476% | 1,019 |
| Memoranda: | ||
| Average total assets | $30,082,500 | 7,439 |
| Average earning assets | $28,418,500 | 7,376 |
| Average equity | $4,085,000 | 7,150 |
| Average total loans | $12,456,000 | 7,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 4,711 |
| Cost of funding earning assets | 1.5295% | 5,378 |
| Net interest margin | 3.8682% | 3,403 |
| Noninterest income to average assets | 0.4489% | 4,821 |
| Noninterest expense to average assets | 3.3161% | 2,960 |
| Loan and lease loss provision to assets | 0.7690% | 2,802 |
| Net operating income to assets | 0.1949% | 4,912 |
| Return on assets (ROA) | 0.1949% | 4,984 |
| Pretax return on assets | -0.0104% | 5,462 |
| Return on Equity (ROE) | 1.3083% | 5,144 |
| Retained earnings to average equity (ytd only) | -5.5369% | 6,090 |
| Net charge-offs to loans | 0.4444% | 4,016 |
| Credit loss provision to net charge-offs | 409.2593% | 771 |
| Earnings coverage of net charge-offs (x) | 4.0370% | 3,092 |
| Efficiency ratio | 81.3834% | 2,685 |
| Assets per employee ($millions) | 3.6136% | 4,753 |
| Cash dividends to net income (ytd only)* | 523.2143% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6495% | 466 |
| Loan loss allowance to noncurrent loans | 11,225.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 2.2277% | 3,092 |
| Noncurrent loans to loans | 0.0325% | 7,349 |
| Net loans and leases to total assets | 41.0045% | 7,303 |
| Net loans and leases to deposits | 47.8911% | 7,361 |
| Net loans and leases to core deposits | 52.1330% | 7,521 |
| Total domestic deposits to total assets | 85.6204% | 3,215 |
| Equity capital to assets | 14.1894% | 1,109 |
| Core capital (leverage) ratio | 13.7735% | 1,023 |
| Tier 1 risk-based capital ratio | 27.2376% | 689 |
| Total risk-based capital ratio | 28.5105% | 673 |
| Memoranda: | ||
| Average total assets | $28,738,400 | 7,515 |
| Average earning assets | $26,937,400 | 7,464 |
| Average equity | $4,280,400 | 7,179 |
| Average total loans | $12,152,400 | 7,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 4,377 |
| Cost of funding earning assets | 1.5634% | 5,575 |
| Net interest margin | 3.9457% | 3,060 |
| Noninterest income to average assets | 0.4646% | 4,785 |
| Noninterest expense to average assets | 3.0526% | 3,831 |
| Loan and lease loss provision to assets | 0.4693% | 3,559 |
| Net operating income to assets | 0.6365% | 3,467 |
| Return on assets (ROA) | 0.6365% | 3,535 |
| Pretax return on assets | 0.6365% | 4,066 |
| Return on Equity (ROE) | 4.2234% | 4,289 |
| Retained earnings to average equity (ytd only) | -3.9459% | 6,105 |
| Net charge-offs to loans | 0.3962% | 3,680 |
| Credit loss provision to net charge-offs | 280.5556% | 1,502 |
| Earnings coverage of net charge-offs (x) | 6.6110% | 2,569 |
| Efficiency ratio | 73.4078% | 3,973 |
| Assets per employee ($millions) | 3.6814% | 4,473 |
| Cash dividends to net income (ytd only)* | 193.4304% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7470% | 838 |
| Loan loss allowance to noncurrent loans | 3,855.5556% | 104 |
| Noncurrent assets plus other real estate owned to assets | 2.2037% | 3,092 |
| Noncurrent loans to loans | 0.0712% | 7,317 |
| Net loans and leases to total assets | 41.7134% | 7,383 |
| Net loans and leases to deposits | 49.0772% | 7,454 |
| Net loans and leases to core deposits | 53.1266% | 7,621 |
| Total domestic deposits to total assets | 84.9954% | 3,239 |
| Equity capital to assets | 14.4953% | 1,145 |
| Core capital (leverage) ratio | 14.3291% | 1,001 |
| Tier 1 risk-based capital ratio | 27.0698% | 741 |
| Total risk-based capital ratio | 28.3345% | 722 |
| Memoranda: | ||
| Average total assets | $28,695,750 | 7,584 |
| Average earning assets | $26,864,250 | 7,533 |
| Average equity | $4,325,000 | 7,243 |
| Average total loans | $12,114,750 | 7,668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 4,584 |
| Cost of funding earning assets | 1.6274% | 5,624 |
| Net interest margin | 3.8801% | 3,208 |
| Noninterest income to average assets | 0.5133% | 4,327 |
| Noninterest expense to average assets | 3.0516% | 3,873 |
| Loan and lease loss provision to assets | 0.5414% | 2,863 |
| Net operating income to assets | 0.5414% | 3,929 |
| Return on assets (ROA) | 0.5414% | 4,038 |
| Pretax return on assets | 0.5414% | 4,493 |
| Return on Equity (ROE) | 3.5454% | 4,687 |
| Retained earnings to average equity (ytd only) | -4.7425% | 6,265 |
| Net charge-offs to loans | 0.2512% | 3,947 |
| Credit loss provision to net charge-offs | 513.3333% | 899 |
| Earnings coverage of net charge-offs (x) | 10.2667% | 2,012 |
| Efficiency ratio | 73.8095% | 4,059 |
| Assets per employee ($millions) | 3.2216% | 5,531 |
| Cash dividends to net income (ytd only)* | 233.7662% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8507% | 649 |
| Loan loss allowance to noncurrent loans | 537.5000% | 611 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 2,837 |
| Noncurrent loans to loans | 0.5304% | 6,210 |
| Net loans and leases to total assets | 40.4325% | 7,527 |
| Net loans and leases to deposits | 47.5906% | 7,576 |
| Net loans and leases to core deposits | 51.1497% | 7,737 |
| Total domestic deposits to total assets | 84.9590% | 3,285 |
| Equity capital to assets | 14.5754% | 1,149 |
| Core capital (leverage) ratio | 14.6358% | 993 |
| Tier 1 risk-based capital ratio | 28.7693% | 676 |
| Total risk-based capital ratio | 30.0314% | 662 |
| Memoranda: | ||
| Average total assets | $28,444,000 | 7,667 |
| Average earning assets | $26,546,000 | 7,615 |
| Average equity | $4,343,670 | 7,296 |
| Average total loans | $11,942,330 | 7,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 3,735 |
| Cost of funding earning assets | 1.7155% | 5,533 |
| Net interest margin | 3.9977% | 2,653 |
| Noninterest income to average assets | 0.4402% | 4,872 |
| Noninterest expense to average assets | 3.0104% | 3,717 |
| Loan and lease loss provision to assets | 1.0082% | 1,294 |
| Net operating income to assets | 0.1278% | 5,891 |
| Return on assets (ROA) | 0.1278% | 6,059 |
| Pretax return on assets | 0.1278% | 6,103 |
| Return on Equity (ROE) | 0.8177% | 6,184 |
| Retained earnings to average equity (ytd only) | -5.3606% | 6,603 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6027% | 4,084 |
| Assets per employee ($millions) | 3.5830% | 4,612 |
| Cash dividends to net income (ytd only)* | 755.5556% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0089% | 475 |
| Loan loss allowance to noncurrent loans | 483.5616% | 725 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 2,435 |
| Noncurrent loans to loans | 0.6222% | 5,844 |
| Net loans and leases to total assets | 39.6979% | 7,584 |
| Net loans and leases to deposits | 47.0012% | 7,625 |
| Net loans and leases to core deposits | 50.5801% | 7,770 |
| Total domestic deposits to total assets | 84.4613% | 3,480 |
| Equity capital to assets | 15.1270% | 1,066 |
| Core capital (leverage) ratio | 15.0459% | 964 |
| Tier 1 risk-based capital ratio | 29.7661% | 632 |
| Total risk-based capital ratio | 31.0297% | 615 |
| Memoranda: | ||
| Average total assets | $28,169,000 | 7,722 |
| Average earning assets | $26,115,000 | 7,679 |
| Average equity | $4,402,500 | 7,318 |
| Average total loans | $11,880,000 | 7,811 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 7,163 |
| Cost of funding earning assets | 1.9780% | 6,482 |
| Net interest margin | 3.5892% | 4,938 |
| Noninterest income to average assets | 0.3187% | 6,178 |
| Noninterest expense to average assets | 3.2555% | 3,135 |
| Loan and lease loss provision to assets | 0.0537% | 6,744 |
| Net operating income to assets | 0.4083% | 5,122 |
| Return on assets (ROA) | 0.4083% | 4,938 |
| Pretax return on assets | 0.4083% | 5,239 |
| Return on Equity (ROE) | 2.5778% | 5,390 |
| Retained earnings to average equity (ytd only) | -1.6733% | 5,785 |
| Net charge-offs to loans | 0.2891% | 3,475 |
| Credit loss provision to net charge-offs | 44.1176% | 6,413 |
| Earnings coverage of net charge-offs (x) | 3.7941% | 4,221 |
| Efficiency ratio | 87.5723% | 1,713 |
| Assets per employee ($millions) | 3.4593% | 4,777 |
| Cash dividends to net income (ytd only)* | 164.9123% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3445% | 802 |
| Loan loss allowance to noncurrent loans | 36.4341% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 4.9722% | 706 |
| Noncurrent loans to loans | 6.4350% | 500 |
| Net loans and leases to total assets | 42.4442% | 7,560 |
| Net loans and leases to deposits | 50.8573% | 7,591 |
| Net loans and leases to core deposits | 54.3218% | 7,791 |
| Total domestic deposits to total assets | 83.4574% | 3,586 |
| Equity capital to assets | 16.1487% | 905 |
| Core capital (leverage) ratio | 15.3352% | 955 |
| Tier 1 risk-based capital ratio | 27.2573% | 816 |
| Total risk-based capital ratio | 28.5120% | 787 |
| Memoranda: | ||
| Average total assets | $27,922,000 | 7,730 |
| Average earning assets | $26,440,800 | 7,677 |
| Average equity | $4,422,400 | 7,352 |
| Average total loans | $11,760,800 | 7,846 |