Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 3,483 |
| Cost of funding earning assets | 1.0745% | 3,132 |
| Net interest margin | 3.1981% | 2,881 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.9477% | 3,738 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0803% | 1,972 |
| Return on assets (ROA) | 1.0803% | 1,948 |
| Pretax return on assets | 1.3975% | 1,639 |
| Return on Equity (ROE) | 13.2300% | 1,670 |
| Retained earnings to average equity (ytd only) | 13.2258% | 476 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.2733% | 3,369 |
| Assets per employee ($millions) | 7.3940% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 404 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.6300% | 3,788 |
| Net loans and leases to deposits | 52.5387% | 3,857 |
| Net loans and leases to core deposits | 58.7092% | 3,809 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 9.0096% | 2,671 |
| Core capital (leverage) ratio | 9.8974% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,079,200 | 4,357 |
| Average earning assets | $43,463,600 | 4,311 |
| Average equity | $3,682,200 | 4,378 |
| Average total loans | $19,424,800 | 4,301 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 3,481 |
| Cost of funding earning assets | 0.9436% | 3,170 |
| Net interest margin | 3.2493% | 2,803 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.8000% | 3,977 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3935% | 1,336 |
| Return on assets (ROA) | 1.3935% | 1,321 |
| Pretax return on assets | 1.6557% | 1,248 |
| Return on Equity (ROE) | 17.5000% | 1,008 |
| Retained earnings to average equity (ytd only) | 17.5011% | 367 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.0017% | 3,832 |
| Assets per employee ($millions) | 7.3315% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 338 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.1300% | 3,909 |
| Net loans and leases to deposits | 48.6591% | 3,984 |
| Net loans and leases to core deposits | 54.2897% | 3,913 |
| Total domestic deposits to total assets | 90.7000% | 746 |
| Equity capital to assets | 8.7772% | 2,547 |
| Core capital (leverage) ratio | 9.7463% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,258,000 | 4,369 |
| Average earning assets | $43,659,750 | 4,327 |
| Average equity | $3,603,500 | 4,399 |
| Average total loans | $19,006,000 | 4,323 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,520 |
| Cost of funding earning assets | 0.8135% | 3,168 |
| Net interest margin | 3.2724% | 2,818 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.4080% | 2,456 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8713% | 2,845 |
| Return on assets (ROA) | 0.8713% | 2,842 |
| Pretax return on assets | 1.0289% | 2,832 |
| Return on Equity (ROE) | 11.3100% | 2,348 |
| Retained earnings to average equity (ytd only) | 11.3143% | 1,124 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.9012% | 1,995 |
| Assets per employee ($millions) | 9.0718% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 40.2900% | 4,027 |
| Net loans and leases to deposits | 43.9028% | 4,101 |
| Net loans and leases to core deposits | 48.3210% | 4,057 |
| Total domestic deposits to total assets | 91.7700% | 461 |
| Equity capital to assets | 7.9742% | 3,236 |
| Core capital (leverage) ratio | 8.7836% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1915% | 543 |
| Memoranda: | ||
| Average total assets | $45,681,000 | 4,385 |
| Average earning assets | $44,005,000 | 4,346 |
| Average equity | $3,517,667 | 4,435 |
| Average total loans | $18,731,333 | 4,348 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,681 |
| Cost of funding earning assets | 0.6763% | 3,132 |
| Net interest margin | 3.2192% | 3,068 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.2425% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8377% | 3,060 |
| Return on assets (ROA) | 0.8377% | 3,017 |
| Pretax return on assets | 0.9773% | 3,063 |
| Return on Equity (ROE) | 11.0700% | 2,470 |
| Retained earnings to average equity (ytd only) | 11.0727% | 1,455 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6477% | 1,784 |
| Assets per employee ($millions) | 7.9893% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 281 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.7200% | 4,162 |
| Net loans and leases to deposits | 39.7642% | 4,230 |
| Net loans and leases to core deposits | 43.4993% | 4,188 |
| Total domestic deposits to total assets | 92.3400% | 434 |
| Equity capital to assets | 7.4099% | 3,613 |
| Core capital (leverage) ratio | 8.2536% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3865% | 547 |
| Memoranda: | ||
| Average total assets | $45,842,000 | 4,448 |
| Average earning assets | $44,359,000 | 4,407 |
| Average equity | $3,468,000 | 4,500 |
| Average total loans | $18,751,500 | 4,409 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1572% | 3,894 |
| Cost of funding earning assets | 0.3099% | 2,793 |
| Net interest margin | 2.8473% | 3,798 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.1750% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5624% | 3,961 |
| Return on assets (ROA) | 0.5624% | 3,929 |
| Pretax return on assets | 0.6878% | 3,872 |
| Return on Equity (ROE) | 7.1700% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.1725% | 2,166 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9740% | 1,011 |
| Assets per employee ($millions) | 7.2913% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 337 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.5900% | 3,913 |
| Net loans and leases to deposits | 48.9664% | 3,936 |
| Net loans and leases to core deposits | 53.6505% | 3,825 |
| Total domestic deposits to total assets | 89.0200% | 1,712 |
| Equity capital to assets | 7.7352% | 3,225 |
| Core capital (leverage) ratio | 8.8078% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2765% | 1,087 |
| Memoranda: | ||
| Average total assets | $43,033,600 | 4,502 |
| Average earning assets | $41,301,800 | 4,467 |
| Average equity | $3,374,000 | 4,584 |
| Average total loans | $17,540,600 | 4,445 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 4,002 |
| Cost of funding earning assets | 0.2592% | 2,608 |
| Net interest margin | 2.6799% | 3,967 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.1592% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5062% | 4,058 |
| Return on assets (ROA) | 0.4791% | 4,068 |
| Pretax return on assets | 0.5476% | 4,074 |
| Return on Equity (ROE) | 6.0900% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.0901% | 2,721 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.8636% | 847 |
| Assets per employee ($millions) | 7.3445% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 40.2400% | 4,060 |
| Net loans and leases to deposits | 43.4978% | 4,129 |
| Net loans and leases to core deposits | 47.4535% | 4,045 |
| Total domestic deposits to total assets | 92.5000% | 718 |
| Equity capital to assets | 7.3797% | 3,281 |
| Core capital (leverage) ratio | 8.4788% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7797% | 660 |
| Memoranda: | ||
| Average total assets | $42,855,000 | 4,535 |
| Average earning assets | $41,144,750 | 4,501 |
| Average equity | $3,371,500 | 4,626 |
| Average total loans | $17,054,500 | 4,486 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6836% | 4,164 |
| Cost of funding earning assets | 0.2747% | 1,961 |
| Net interest margin | 2.4089% | 4,219 |
| Noninterest income to average assets | 0.1743% | 4,132 |
| Noninterest expense to average assets | 2.1107% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3053% | 4,279 |
| Return on assets (ROA) | 0.3015% | 4,233 |
| Pretax return on assets | 0.3722% | 4,202 |
| Return on Equity (ROE) | 3.7522% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.7522% | 3,181 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8485% | 631 |
| Assets per employee ($millions) | 7.3417% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6149% | 219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.1714% | 4,285 |
| Net loans and leases to deposits | 38.0691% | 4,331 |
| Net loans and leases to core deposits | 42.6382% | 4,242 |
| Total domestic deposits to total assets | 92.3882% | 695 |
| Equity capital to assets | 7.5210% | 3,460 |
| Core capital (leverage) ratio | 8.2004% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,451,000 | 4,586 |
| Average earning assets | $40,766,333 | 4,561 |
| Average equity | $3,411,333 | 4,665 |
| Average total loans | $16,690,333 | 4,552 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5085% | 4,257 |
| Cost of funding earning assets | 0.2910% | 1,738 |
| Net interest margin | 2.2175% | 4,328 |
| Noninterest income to average assets | 0.1921% | 4,008 |
| Noninterest expense to average assets | 2.1896% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0556% | 4,511 |
| Return on assets (ROA) | 0.0480% | 4,492 |
| Pretax return on assets | 0.1152% | 4,427 |
| Return on Equity (ROE) | 0.5780% | 4,475 |
| Retained earnings to average equity (ytd only) | 0.5780% | 3,904 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6058% | 373 |
| Assets per employee ($millions) | 7.3277% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8319% | 182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.4660% | 4,358 |
| Net loans and leases to deposits | 35.1888% | 4,412 |
| Net loans and leases to core deposits | 39.9720% | 4,315 |
| Total domestic deposits to total assets | 92.2622% | 483 |
| Equity capital to assets | 7.6764% | 3,812 |
| Core capital (leverage) ratio | 8.2039% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,651,500 | 4,619 |
| Average earning assets | $39,864,500 | 4,591 |
| Average equity | $3,460,500 | 4,690 |
| Average total loans | $17,081,000 | 4,563 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4214% | 2,878 |
| Cost of funding earning assets | 0.3513% | 1,928 |
| Net interest margin | 3.0701% | 2,997 |
| Noninterest income to average assets | 0.1328% | 4,482 |
| Noninterest expense to average assets | 2.3733% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5901% | 3,898 |
| Return on assets (ROA) | 0.5901% | 3,941 |
| Pretax return on assets | 0.6617% | 4,009 |
| Return on Equity (ROE) | 6.6429% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.6429% | 2,061 |
| Net charge-offs to loans | -0.1315% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1987% | 931 |
| Assets per employee ($millions) | 6.5562% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1364% | 491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.4429% | 3,460 |
| Net loans and leases to deposits | 54.3820% | 3,567 |
| Net loans and leases to core deposits | 63.1265% | 3,060 |
| Total domestic deposits to total assets | 89.0790% | 1,468 |
| Equity capital to assets | 9.0144% | 3,602 |
| Core capital (leverage) ratio | 9.1374% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,143,800 | 4,669 |
| Average earning assets | $37,002,000 | 4,646 |
| Average equity | $3,477,400 | 4,743 |
| Average total loans | $18,257,800 | 4,596 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 2,537 |
| Cost of funding earning assets | 0.3659% | 1,976 |
| Net interest margin | 3.2421% | 2,602 |
| Noninterest income to average assets | 0.1501% | 4,445 |
| Noninterest expense to average assets | 2.3497% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7128% | 3,737 |
| Return on assets (ROA) | 0.7128% | 3,801 |
| Pretax return on assets | 0.8526% | 3,788 |
| Return on Equity (ROE) | 8.0532% | 3,382 |
| Retained earnings to average equity (ytd only) | 8.0532% | 2,039 |
| Net charge-offs to loans | -0.1411% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3759% | 1,271 |
| Assets per employee ($millions) | 6.4827% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.6858% | 3,893 |
| Net loans and leases to deposits | 49.2729% | 4,045 |
| Net loans and leases to core deposits | 56.9477% | 3,702 |
| Total domestic deposits to total assets | 90.6906% | 473 |
| Equity capital to assets | 8.9701% | 3,861 |
| Core capital (leverage) ratio | 8.6706% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,095,500 | 4,739 |
| Average earning assets | $36,806,000 | 4,716 |
| Average equity | $3,460,250 | 4,816 |
| Average total loans | $17,954,250 | 4,668 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 2,032 |
| Cost of funding earning assets | 0.3863% | 1,999 |
| Net interest margin | 3.4274% | 2,071 |
| Noninterest income to average assets | 0.0970% | 4,700 |
| Noninterest expense to average assets | 2.1960% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9397% | 3,095 |
| Return on assets (ROA) | 0.9397% | 3,175 |
| Pretax return on assets | 1.1184% | 3,151 |
| Return on Equity (ROE) | 10.6646% | 2,543 |
| Retained earnings to average equity (ytd only) | 10.6646% | 1,204 |
| Net charge-offs to loans | -0.0888% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2558% | 2,111 |
| Assets per employee ($millions) | 6.8352% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.6810% | 4,060 |
| Net loans and leases to deposits | 47.9458% | 4,221 |
| Net loans and leases to core deposits | 54.9324% | 3,971 |
| Total domestic deposits to total assets | 91.1048% | 342 |
| Equity capital to assets | 8.6318% | 4,105 |
| Core capital (leverage) ratio | 8.6251% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,162,000 | 4,772 |
| Average earning assets | $36,763,000 | 4,748 |
| Average equity | $3,450,667 | 4,851 |
| Average total loans | $18,008,333 | 4,702 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 1,808 |
| Cost of funding earning assets | 0.4134% | 1,987 |
| Net interest margin | 3.4971% | 1,830 |
| Noninterest income to average assets | 0.1046% | 4,661 |
| Noninterest expense to average assets | 2.2386% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9519% | 2,965 |
| Return on assets (ROA) | 0.9519% | 3,059 |
| Pretax return on assets | 1.1402% | 3,011 |
| Return on Equity (ROE) | 10.6870% | 2,463 |
| Retained earnings to average equity (ytd only) | 10.6870% | 1,474 |
| Net charge-offs to loans | -0.1792% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2539% | 2,190 |
| Assets per employee ($millions) | 6.6562% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2330% | 403 |
| Loan loss allowance to noncurrent loans | 289.8551% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 2,419 |
| Noncurrent loans to loans | 0.7704% | 1,700 |
| Net loans and leases to total assets | 43.8516% | 4,124 |
| Net loans and leases to deposits | 48.1021% | 4,258 |
| Net loans and leases to core deposits | 56.2017% | 3,959 |
| Total domestic deposits to total assets | 91.1636% | 341 |
| Equity capital to assets | 8.6136% | 4,036 |
| Core capital (leverage) ratio | 8.5227% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,237,500 | 4,803 |
| Average earning assets | $35,801,500 | 4,779 |
| Average equity | $3,406,000 | 4,875 |
| Average total loans | $17,855,500 | 4,733 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 3,592 |
| Cost of funding earning assets | 0.6015% | 2,294 |
| Net interest margin | 3.0903% | 3,654 |
| Noninterest income to average assets | 0.1747% | 4,412 |
| Noninterest expense to average assets | 2.6729% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2759% | 4,468 |
| Return on assets (ROA) | 0.2759% | 4,533 |
| Pretax return on assets | 0.3678% | 4,461 |
| Return on Equity (ROE) | 3.0068% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.0068% | 3,348 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9032% | 452 |
| Assets per employee ($millions) | 6.0897% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2025% | 407 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,407 |
| Noncurrent loans to loans | 0.8091% | 1,730 |
| Net loans and leases to total assets | 47.6381% | 3,999 |
| Net loans and leases to deposits | 52.6306% | 4,188 |
| Net loans and leases to core deposits | 63.1224% | 3,763 |
| Total domestic deposits to total assets | 90.5140% | 372 |
| Equity capital to assets | 9.2287% | 3,859 |
| Core capital (leverage) ratio | 9.2567% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,623,200 | 4,847 |
| Average earning assets | $30,255,800 | 4,836 |
| Average equity | $2,993,200 | 4,910 |
| Average total loans | $15,661,600 | 4,792 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 3,738 |
| Cost of funding earning assets | 0.6447% | 2,357 |
| Net interest margin | 3.0830% | 3,775 |
| Noninterest income to average assets | 0.1433% | 4,589 |
| Noninterest expense to average assets | 2.5997% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3413% | 4,374 |
| Return on assets (ROA) | 0.3413% | 4,431 |
| Pretax return on assets | 0.4045% | 4,425 |
| Return on Equity (ROE) | 3.7273% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.7273% | 3,184 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5358% | 475 |
| Assets per employee ($millions) | 5.8715% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1483% | 383 |
| Loan loss allowance to noncurrent loans | 369.8113% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 2,950 |
| Noncurrent loans to loans | 0.5809% | 2,342 |
| Net loans and leases to total assets | 50.6827% | 4,058 |
| Net loans and leases to deposits | 56.2221% | 4,244 |
| Net loans and leases to core deposits | 64.1943% | 4,005 |
| Total domestic deposits to total assets | 90.1473% | 378 |
| Equity capital to assets | 9.5348% | 3,659 |
| Core capital (leverage) ratio | 9.1623% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,643,500 | 4,887 |
| Average earning assets | $29,364,750 | 4,875 |
| Average equity | $2,897,500 | 4,942 |
| Average total loans | $15,127,500 | 4,835 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 3,878 |
| Cost of funding earning assets | 0.6919% | 2,434 |
| Net interest margin | 3.0996% | 3,905 |
| Noninterest income to average assets | 0.1314% | 4,647 |
| Noninterest expense to average assets | 2.6810% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2760% | 4,461 |
| Return on assets (ROA) | 0.2760% | 4,500 |
| Pretax return on assets | 0.3351% | 4,491 |
| Return on Equity (ROE) | 3.0750% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.0750% | 3,355 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 418 |
| Assets per employee ($millions) | 6.2393% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 296 |
| Loan loss allowance to noncurrent loans | 253.8961% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,649 |
| Noncurrent loans to loans | 0.8972% | 1,707 |
| Net loans and leases to total assets | 44.8071% | 4,412 |
| Net loans and leases to deposits | 49.3063% | 4,560 |
| Net loans and leases to core deposits | 53.5551% | 4,510 |
| Total domestic deposits to total assets | 90.8751% | 178 |
| Equity capital to assets | 8.8418% | 4,218 |
| Core capital (leverage) ratio | 9.0145% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,436,333 | 4,925 |
| Average earning assets | $28,326,000 | 4,915 |
| Average equity | $2,731,667 | 4,982 |
| Average total loans | $14,087,667 | 4,882 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,850 |
| Cost of funding earning assets | 0.8548% | 2,091 |
| Net interest margin | 3.4677% | 3,089 |
| Noninterest income to average assets | 0.1186% | 4,761 |
| Noninterest expense to average assets | 2.9200% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3113% | 4,323 |
| Return on assets (ROA) | 0.3113% | 4,347 |
| Pretax return on assets | 0.3854% | 4,317 |
| Return on Equity (ROE) | 3.4370% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.4370% | 2,909 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3408% | 571 |
| Assets per employee ($millions) | 6.0395% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6511% | 94 |
| Loan loss allowance to noncurrent loans | 362.1795% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 2,748 |
| Noncurrent loans to loans | 1.0081% | 1,644 |
| Net loans and leases to total assets | 41.1458% | 4,624 |
| Net loans and leases to deposits | 45.3371% | 4,736 |
| Net loans and leases to core deposits | 48.9929% | 4,700 |
| Total domestic deposits to total assets | 90.7553% | 138 |
| Equity capital to assets | 9.0046% | 4,597 |
| Core capital (leverage) ratio | 9.2537% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,986,000 | 4,999 |
| Average earning assets | $24,800,500 | 4,989 |
| Average equity | $2,444,000 | 5,050 |
| Average total loans | $12,635,500 | 4,949 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 4,922 |
| Cost of funding earning assets | 0.8315% | 2,520 |
| Net interest margin | 2.5589% | 4,937 |
| Noninterest income to average assets | -0.0278% | 5,149 |
| Noninterest expense to average assets | 2.1873% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2110% | 4,832 |
| Return on assets (ROA) | 0.2110% | 4,856 |
| Pretax return on assets | 0.2110% | 4,879 |
| Return on Equity (ROE) | 2.3626% | 4,761 |
| Retained earnings to average equity (ytd only) | 2.3626% | 3,843 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2037% | 309 |
| Assets per employee ($millions) | 5.9117% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9914% | 63 |
| Loan loss allowance to noncurrent loans | 1,448.1481% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,872 |
| Noncurrent loans to loans | 0.2756% | 3,456 |
| Net loans and leases to total assets | 53.0307% | 4,142 |
| Net loans and leases to deposits | 66.3211% | 3,938 |
| Net loans and leases to core deposits | 75.7003% | 3,594 |
| Total domestic deposits to total assets | 79.9605% | 3,989 |
| Equity capital to assets | 9.1627% | 4,603 |
| Core capital (leverage) ratio | 9.2985% | 4,281 |
| Tier 1 risk-based capital ratio | 15.9533% | 2,423 |
| Total risk-based capital ratio | 17.2393% | 2,359 |
| Memoranda: | ||
| Average total assets | $18,013,000 | 5,133 |
| Average earning assets | $17,077,800 | 5,117 |
| Average equity | $1,608,400 | 5,154 |
| Average total loans | $9,489,400 | 5,060 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 5,075 |
| Cost of funding earning assets | 0.7707% | 2,867 |
| Net interest margin | 2.5046% | 5,063 |
| Noninterest income to average assets | 0.0885% | 5,023 |
| Noninterest expense to average assets | 2.3964% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0885% | 5,028 |
| Return on assets (ROA) | 0.0885% | 5,041 |
| Pretax return on assets | 0.0885% | 5,045 |
| Return on Equity (ROE) | 0.9974% | 5,014 |
| Retained earnings to average equity (ytd only) | 0.9974% | 4,569 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4392% | 196 |
| Assets per employee ($millions) | 6.0450% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0355% | 61 |
| Loan loss allowance to noncurrent loans | 1,448.1481% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 4,001 |
| Noncurrent loans to loans | 0.2787% | 3,540 |
| Net loans and leases to total assets | 51.2710% | 4,353 |
| Net loans and leases to deposits | 66.6046% | 4,018 |
| Net loans and leases to core deposits | 76.1881% | 3,684 |
| Total domestic deposits to total assets | 76.9782% | 4,516 |
| Equity capital to assets | 8.9220% | 4,818 |
| Core capital (leverage) ratio | 9.0848% | 4,569 |
| Tier 1 risk-based capital ratio | 17.0137% | 2,082 |
| Total risk-based capital ratio | 18.3070% | 2,019 |
| Memoranda: | ||
| Average total assets | $18,082,500 | 5,210 |
| Average earning assets | $17,300,750 | 5,193 |
| Average equity | $1,604,250 | 5,232 |
| Average total loans | $9,412,750 | 5,142 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 5,141 |
| Cost of funding earning assets | 0.7432% | 2,929 |
| Net interest margin | 2.5082% | 5,125 |
| Noninterest income to average assets | 0.0886% | 5,082 |
| Noninterest expense to average assets | 2.2917% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1882% | 5,008 |
| Return on assets (ROA) | 0.1882% | 5,017 |
| Pretax return on assets | 0.1882% | 5,031 |
| Return on Equity (ROE) | 2.1254% | 4,922 |
| Retained earnings to average equity (ytd only) | 2.1254% | 4,076 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4107% | 269 |
| Assets per employee ($millions) | 4.6833% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5360% | 46 |
| Loan loss allowance to noncurrent loans | 1,448.1481% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,041 |
| Noncurrent loans to loans | 0.3132% | 3,416 |
| Net loans and leases to total assets | 43.9278% | 4,734 |
| Net loans and leases to deposits | 54.6886% | 4,652 |
| Net loans and leases to core deposits | 63.0865% | 4,448 |
| Total domestic deposits to total assets | 80.3235% | 3,969 |
| Equity capital to assets | 8.6265% | 4,995 |
| Core capital (leverage) ratio | 8.7158% | 4,830 |
| Tier 1 risk-based capital ratio | 16.9926% | 2,094 |
| Total risk-based capital ratio | 18.2860% | 2,023 |
| Memoranda: | ||
| Average total assets | $18,065,000 | 5,257 |
| Average earning assets | $17,223,670 | 5,242 |
| Average equity | $1,599,670 | 5,278 |
| Average total loans | $9,320,670 | 5,190 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 5,190 |
| Cost of funding earning assets | 0.7736% | 2,673 |
| Net interest margin | 2.4848% | 5,195 |
| Noninterest income to average assets | 0.1805% | 4,669 |
| Noninterest expense to average assets | 2.4139% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1579% | 5,044 |
| Return on assets (ROA) | 0.1579% | 5,050 |
| Pretax return on assets | 0.1579% | 5,064 |
| Return on Equity (ROE) | 1.7593% | 4,993 |
| Retained earnings to average equity (ytd only) | 1.7593% | 4,125 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8596% | 280 |
| Assets per employee ($millions) | 3.6040% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2313% | 55 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.9845% | 4,525 |
| Net loans and leases to deposits | 61.8831% | 4,305 |
| Net loans and leases to core deposits | 73.4787% | 3,828 |
| Total domestic deposits to total assets | 79.1565% | 4,326 |
| Equity capital to assets | 8.8624% | 4,772 |
| Core capital (leverage) ratio | 8.9757% | 4,668 |
| Tier 1 risk-based capital ratio | 16.4981% | 2,268 |
| Total risk-based capital ratio | 17.7853% | 2,203 |
| Memoranda: | ||
| Average total assets | $17,731,000 | 5,319 |
| Average earning assets | $17,064,000 | 5,299 |
| Average equity | $1,591,500 | 5,337 |
| Average total loans | $9,671,000 | 5,247 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2382% | 5,122 |
| Cost of funding earning assets | 0.7037% | 2,068 |
| Net interest margin | 2.5345% | 5,199 |
| Noninterest income to average assets | 0.0512% | 5,270 |
| Noninterest expense to average assets | 2.7110% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.3126% | 5,297 |
| Return on assets (ROA) | -0.3126% | 5,292 |
| Pretax return on assets | -0.2444% | 5,272 |
| Return on Equity (ROE) | -3.4157% | 5,297 |
| Retained earnings to average equity (ytd only) | -3.4157% | 5,197 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9078% | 84 |
| Assets per employee ($millions) | 3.4864% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8519% | 63 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,051 |
| Noncurrent loans to loans | 0.2667% | 3,622 |
| Net loans and leases to total assets | 55.8456% | 4,146 |
| Net loans and leases to deposits | 73.2836% | 3,563 |
| Net loans and leases to core deposits | 74.7409% | 3,801 |
| Total domestic deposits to total assets | 76.2047% | 4,730 |
| Equity capital to assets | 8.9892% | 4,587 |
| Core capital (leverage) ratio | 9.3881% | 4,249 |
| Tier 1 risk-based capital ratio | 10.1238% | 5,270 |
| Total risk-based capital ratio | 11.3877% | 5,211 |
| Memoranda: | ||
| Average total assets | $17,595,200 | 5,362 |
| Average earning assets | $16,768,600 | 5,347 |
| Average equity | $1,610,200 | 5,380 |
| Average total loans | $9,874,200 | 5,291 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2257% | 5,180 |
| Cost of funding earning assets | 0.6912% | 1,897 |
| Net interest margin | 2.5345% | 5,262 |
| Noninterest income to average assets | 0.0378% | 5,371 |
| Noninterest expense to average assets | 2.5780% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0680% | 5,323 |
| Return on assets (ROA) | -0.0680% | 5,320 |
| Pretax return on assets | -0.1285% | 5,330 |
| Return on Equity (ROE) | -0.7403% | 5,325 |
| Retained earnings to average equity (ytd only) | -0.7403% | 5,119 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2469% | 104 |
| Assets per employee ($millions) | 3.4008% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0465% | 58 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 4,164 |
| Noncurrent loans to loans | 0.2801% | 3,684 |
| Net loans and leases to total assets | 54.3872% | 4,338 |
| Net loans and leases to deposits | 71.6844% | 3,796 |
| Net loans and leases to core deposits | 73.1472% | 4,001 |
| Total domestic deposits to total assets | 75.8704% | 4,804 |
| Equity capital to assets | 9.4507% | 4,126 |
| Core capital (leverage) ratio | 9.6061% | 4,055 |
| Tier 1 risk-based capital ratio | 16.4502% | 2,286 |
| Total risk-based capital ratio | 17.7389% | 2,214 |
| Memoranda: | ||
| Average total assets | $17,636,000 | 5,431 |
| Average earning assets | $16,781,250 | 5,417 |
| Average equity | $1,621,000 | 5,450 |
| Average total loans | $9,811,500 | 5,360 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2048% | 5,221 |
| Cost of funding earning assets | 0.6741% | 1,776 |
| Net interest margin | 2.5307% | 5,324 |
| Noninterest income to average assets | 0.0336% | 5,435 |
| Noninterest expense to average assets | 2.5103% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0112% | 5,349 |
| Return on assets (ROA) | -0.0112% | 5,342 |
| Pretax return on assets | -0.0784% | 5,365 |
| Return on Equity (ROE) | -0.1230% | 5,342 |
| Retained earnings to average equity (ytd only) | -0.1230% | 4,976 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2258% | 137 |
| Assets per employee ($millions) | 3.5378% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6137% | 42 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 4,225 |
| Noncurrent loans to loans | 0.3194% | 3,564 |
| Net loans and leases to total assets | 45.5820% | 4,848 |
| Net loans and leases to deposits | 55.5188% | 4,779 |
| Net loans and leases to core deposits | 56.5190% | 4,843 |
| Total domestic deposits to total assets | 82.1019% | 3,688 |
| Equity capital to assets | 9.1187% | 4,463 |
| Core capital (leverage) ratio | 9.4003% | 4,246 |
| Tier 1 risk-based capital ratio | 17.3014% | 2,000 |
| Total risk-based capital ratio | 18.5815% | 1,944 |
| Memoranda: | ||
| Average total assets | $17,846,670 | 5,494 |
| Average earning assets | $16,912,000 | 5,482 |
| Average equity | $1,625,670 | 5,512 |
| Average total loans | $9,869,330 | 5,419 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 5,224 |
| Cost of funding earning assets | 0.5900% | 2,115 |
| Net interest margin | 2.6195% | 5,311 |
| Noninterest income to average assets | 0.0669% | 5,432 |
| Noninterest expense to average assets | 2.5439% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1116% | 5,322 |
| Return on assets (ROA) | 0.1116% | 5,318 |
| Pretax return on assets | 0.0000% | 5,388 |
| Return on Equity (ROE) | 1.2255% | 5,288 |
| Retained earnings to average equity (ytd only) | 1.2255% | 4,572 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 3.5522% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5149% | 46 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,320 |
| Noncurrent loans to loans | 0.3126% | 3,653 |
| Net loans and leases to total assets | 46.4388% | 4,774 |
| Net loans and leases to deposits | 55.8694% | 4,697 |
| Net loans and leases to core deposits | 56.8553% | 4,800 |
| Total domestic deposits to total assets | 83.1203% | 3,628 |
| Equity capital to assets | 9.1211% | 4,439 |
| Core capital (leverage) ratio | 9.2562% | 4,372 |
| Tier 1 risk-based capital ratio | 17.7790% | 1,896 |
| Total risk-based capital ratio | 19.0728% | 1,830 |
| Memoranda: | ||
| Average total assets | $17,925,500 | 5,556 |
| Average earning assets | $16,950,000 | 5,543 |
| Average equity | $1,632,000 | 5,572 |
| Average total loans | $10,577,500 | 5,462 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 5,067 |
| Cost of funding earning assets | 0.5336% | 2,081 |
| Net interest margin | 2.7817% | 5,192 |
| Noninterest income to average assets | 0.1821% | 5,044 |
| Noninterest expense to average assets | 2.7935% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0114% | 5,369 |
| Return on assets (ROA) | -0.0114% | 5,373 |
| Pretax return on assets | 0.0284% | 5,423 |
| Return on Equity (ROE) | -0.1233% | 5,376 |
| Retained earnings to average equity (ytd only) | -0.1233% | 5,050 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9919% | 191 |
| Assets per employee ($millions) | 3.6150% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1158% | 128 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,392 |
| Noncurrent loans to loans | 0.2157% | 4,048 |
| Net loans and leases to total assets | 67.0927% | 2,949 |
| Net loans and leases to deposits | 93.8477% | 1,294 |
| Net loans and leases to core deposits | 95.7370% | 2,048 |
| Total domestic deposits to total assets | 71.4910% | 5,347 |
| Equity capital to assets | 9.0124% | 4,705 |
| Core capital (leverage) ratio | 9.3782% | 4,192 |
| Tier 1 risk-based capital ratio | 12.1449% | 4,435 |
| Total risk-based capital ratio | 13.4124% | 4,316 |
| Memoranda: | ||
| Average total assets | $17,576,400 | 5,625 |
| Average earning assets | $16,680,400 | 5,608 |
| Average equity | $1,622,200 | 5,636 |
| Average total loans | $11,985,400 | 5,505 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2857% | 5,130 |
| Cost of funding earning assets | 0.5302% | 2,030 |
| Net interest margin | 2.7554% | 5,277 |
| Noninterest income to average assets | 0.1070% | 5,452 |
| Noninterest expense to average assets | 2.5136% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1222% | 5,423 |
| Return on assets (ROA) | 0.1222% | 5,433 |
| Pretax return on assets | 0.2139% | 5,371 |
| Return on Equity (ROE) | 1.3163% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.3163% | 4,877 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1569% | 340 |
| Assets per employee ($millions) | 3.4274% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3721% | 106 |
| Loan loss allowance to noncurrent loans | 1,440.7407% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,480 |
| Noncurrent loans to loans | 0.2340% | 4,126 |
| Net loans and leases to total assets | 65.0464% | 3,241 |
| Net loans and leases to deposits | 84.3830% | 2,512 |
| Net loans and leases to core deposits | 86.0440% | 2,963 |
| Total domestic deposits to total assets | 77.0847% | 4,870 |
| Equity capital to assets | 9.1906% | 4,736 |
| Core capital (leverage) ratio | 9.2670% | 4,444 |
| Tier 1 risk-based capital ratio | 12.9766% | 4,028 |
| Total risk-based capital ratio | 14.2668% | 3,908 |
| Memoranda: | ||
| Average total assets | $17,451,750 | 5,691 |
| Average earning assets | $16,597,000 | 5,674 |
| Average equity | $1,620,500 | 5,703 |
| Average total loans | $11,852,500 | 5,565 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2982% | 5,109 |
| Cost of funding earning assets | 0.4917% | 2,243 |
| Net interest margin | 2.8064% | 5,233 |
| Noninterest income to average assets | 0.0683% | 5,603 |
| Noninterest expense to average assets | 2.2761% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3187% | 5,176 |
| Return on assets (ROA) | 0.3187% | 5,196 |
| Pretax return on assets | 0.4552% | 5,078 |
| Return on Equity (ROE) | 3.3688% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.3688% | 3,709 |
| Net charge-offs to loans | -0.0335% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 891 |
| Assets per employee ($millions) | 3.4754% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4108% | 108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.3941% | 3,470 |
| Net loans and leases to deposits | 81.4974% | 2,745 |
| Net loans and leases to core deposits | 83.0581% | 3,171 |
| Total domestic deposits to total assets | 77.7867% | 4,849 |
| Equity capital to assets | 9.6795% | 4,247 |
| Core capital (leverage) ratio | 9.7620% | 3,822 |
| Tier 1 risk-based capital ratio | 13.6870% | 3,594 |
| Total risk-based capital ratio | 14.9727% | 3,493 |
| Memoranda: | ||
| Average total assets | $17,573,670 | 5,739 |
| Average earning assets | $16,676,000 | 5,723 |
| Average equity | $1,662,330 | 5,751 |
| Average total loans | $11,958,000 | 5,613 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 5,122 |
| Cost of funding earning assets | 0.4563% | 2,467 |
| Net interest margin | 2.8341% | 5,196 |
| Noninterest income to average assets | 0.1358% | 5,430 |
| Noninterest expense to average assets | 2.2182% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3395% | 5,103 |
| Return on assets (ROA) | 0.3395% | 5,123 |
| Pretax return on assets | 0.5885% | 4,755 |
| Return on Equity (ROE) | 3.6309% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.6309% | 3,622 |
| Net charge-offs to loans | -0.0327% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0323% | 1,482 |
| Assets per employee ($millions) | 4.2953% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4323% | 120 |
| Loan loss allowance to noncurrent loans | 1,425.9259% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,628 |
| Noncurrent loans to loans | 0.2407% | 4,247 |
| Net loans and leases to total assets | 63.0464% | 3,397 |
| Net loans and leases to deposits | 81.9613% | 2,515 |
| Net loans and leases to core deposits | 83.5674% | 2,938 |
| Total domestic deposits to total assets | 76.9222% | 5,126 |
| Equity capital to assets | 9.7259% | 4,041 |
| Core capital (leverage) ratio | 9.7349% | 3,830 |
| Tier 1 risk-based capital ratio | 14.0989% | 3,415 |
| Total risk-based capital ratio | 15.3729% | 3,324 |
| Memoranda: | ||
| Average total assets | $17,672,000 | 5,806 |
| Average earning assets | $16,654,500 | 5,792 |
| Average equity | $1,652,500 | 5,818 |
| Average total loans | $12,234,500 | 5,673 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 4,642 |
| Cost of funding earning assets | 0.3970% | 3,027 |
| Net interest margin | 3.1504% | 4,584 |
| Noninterest income to average assets | 0.1192% | 5,584 |
| Noninterest expense to average assets | 2.7953% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3338% | 5,134 |
| Return on assets (ROA) | 0.3338% | 5,205 |
| Pretax return on assets | 0.3040% | 5,360 |
| Return on Equity (ROE) | 3.4835% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.4835% | 3,447 |
| Net charge-offs to loans | -0.0079% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1923% | 542 |
| Assets per employee ($millions) | 4.5408% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9052% | 194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.8418% | 2,362 |
| Net loans and leases to deposits | 101.6592% | 559 |
| Net loans and leases to core deposits | 103.7327% | 1,301 |
| Total domestic deposits to total assets | 69.6856% | 5,676 |
| Equity capital to assets | 8.9963% | 4,824 |
| Core capital (leverage) ratio | 8.5702% | 5,193 |
| Tier 1 risk-based capital ratio | 11.8406% | 4,828 |
| Total risk-based capital ratio | 13.1014% | 4,723 |
| Memoranda: | ||
| Average total assets | $16,778,400 | 5,870 |
| Average earning assets | $15,871,000 | 5,853 |
| Average equity | $1,607,600 | 5,884 |
| Average total loans | $12,589,800 | 5,720 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 4,783 |
| Cost of funding earning assets | 0.3491% | 3,550 |
| Net interest margin | 3.1589% | 4,609 |
| Noninterest income to average assets | 0.1380% | 5,569 |
| Noninterest expense to average assets | 2.9372% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2191% | 5,435 |
| Return on assets (ROA) | 0.2191% | 5,498 |
| Pretax return on assets | 0.2110% | 5,551 |
| Return on Equity (ROE) | 2.2486% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.2486% | 4,571 |
| Net charge-offs to loans | -0.0107% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2990% | 413 |
| Assets per employee ($millions) | 4.2825% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1871% | 150 |
| Loan loss allowance to noncurrent loans | 298.4496% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 2,670 |
| Noncurrent loans to loans | 1.0679% | 2,112 |
| Net loans and leases to total assets | 68.2720% | 2,759 |
| Net loans and leases to deposits | 91.0046% | 1,632 |
| Net loans and leases to core deposits | 92.8322% | 2,300 |
| Total domestic deposits to total assets | 75.0204% | 5,337 |
| Equity capital to assets | 9.2995% | 4,863 |
| Core capital (leverage) ratio | 9.4361% | 4,277 |
| Tier 1 risk-based capital ratio | 12.4426% | 4,512 |
| Total risk-based capital ratio | 13.7117% | 4,394 |
| Memoranda: | ||
| Average total assets | $16,432,250 | 5,939 |
| Average earning assets | $15,659,000 | 5,919 |
| Average equity | $1,601,000 | 5,951 |
| Average total loans | $12,424,250 | 5,782 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,210 |
| Cost of funding earning assets | 0.3083% | 4,034 |
| Net interest margin | 3.4167% | 3,823 |
| Noninterest income to average assets | 2.6521% | 238 |
| Noninterest expense to average assets | 2.9111% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.9728% | 91 |
| Return on assets (ROA) | 2.9728% | 91 |
| Pretax return on assets | 3.0221% | 119 |
| Return on Equity (ROE) | 29.8022% | 47 |
| Retained earnings to average equity (ytd only) | 29.8022% | 22 |
| Net charge-offs to loans | -0.0160% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0644% | 5,617 |
| Assets per employee ($millions) | 4.0303% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2633% | 150 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 4,632 |
| Noncurrent loans to loans | 0.2967% | 4,306 |
| Net loans and leases to total assets | 70.7959% | 2,352 |
| Net loans and leases to deposits | 93.2435% | 1,372 |
| Net loans and leases to core deposits | 95.1956% | 2,052 |
| Total domestic deposits to total assets | 75.9258% | 5,293 |
| Equity capital to assets | 10.1483% | 4,030 |
| Core capital (leverage) ratio | 10.4337% | 3,039 |
| Tier 1 risk-based capital ratio | 13.3127% | 4,009 |
| Total risk-based capital ratio | 14.5659% | 3,927 |
| Memoranda: | ||
| Average total assets | $16,213,670 | 6,019 |
| Average earning assets | $15,570,670 | 5,995 |
| Average equity | $1,617,330 | 6,025 |
| Average total loans | $12,539,000 | 5,854 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,102 |
| Cost of funding earning assets | 0.3324% | 3,809 |
| Net interest margin | 3.4268% | 3,782 |
| Noninterest income to average assets | 0.2706% | 4,799 |
| Noninterest expense to average assets | 2.7060% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8856% | 2,828 |
| Return on assets (ROA) | 0.8856% | 2,953 |
| Pretax return on assets | 0.8610% | 4,000 |
| Return on Equity (ROE) | 8.9552% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.9552% | 1,131 |
| Net charge-offs to loans | -0.0310% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8621% | 2,190 |
| Assets per employee ($millions) | 4.0288% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0825% | 203 |
| Loan loss allowance to noncurrent loans | 251.6340% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 2,332 |
| Noncurrent loans to loans | 1.2250% | 1,973 |
| Net loans and leases to total assets | 75.1164% | 1,530 |
| Net loans and leases to deposits | 99.2213% | 675 |
| Net loans and leases to core deposits | 101.3055% | 1,382 |
| Total domestic deposits to total assets | 75.7059% | 5,447 |
| Equity capital to assets | 10.0900% | 3,961 |
| Core capital (leverage) ratio | 9.7307% | 3,869 |
| Tier 1 risk-based capital ratio | 12.3942% | 4,657 |
| Total risk-based capital ratio | 13.6520% | 4,553 |
| Memoranda: | ||
| Average total assets | $16,260,000 | 6,079 |
| Average earning assets | $15,641,500 | 6,055 |
| Average equity | $1,608,000 | 6,084 |
| Average total loans | $12,909,500 | 5,900 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 5,173 |
| Cost of funding earning assets | 0.4273% | 2,870 |
| Net interest margin | 2.9661% | 5,213 |
| Noninterest income to average assets | 0.1482% | 5,672 |
| Noninterest expense to average assets | 2.5966% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2786% | 5,415 |
| Return on assets (ROA) | 0.2786% | 5,494 |
| Pretax return on assets | 0.3913% | 5,334 |
| Return on Equity (ROE) | 2.9679% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.9679% | 3,952 |
| Net charge-offs to loans | -0.0320% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9048% | 918 |
| Assets per employee ($millions) | 4.1013% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8809% | 257 |
| Loan loss allowance to noncurrent loans | 307.2000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 2,782 |
| Noncurrent loans to loans | 0.9378% | 2,459 |
| Net loans and leases to total assets | 78.9089% | 1,004 |
| Net loans and leases to deposits | 109.3790% | 261 |
| Net loans and leases to core deposits | 111.7490% | 787 |
| Total domestic deposits to total assets | 72.1426% | 5,794 |
| Equity capital to assets | 9.6922% | 4,316 |
| Core capital (leverage) ratio | 10.0551% | 3,433 |
| Tier 1 risk-based capital ratio | 12.2184% | 4,816 |
| Total risk-based capital ratio | 13.4871% | 4,703 |
| Memoranda: | ||
| Average total assets | $16,868,200 | 6,127 |
| Average earning assets | $16,149,200 | 6,110 |
| Average equity | $1,583,600 | 6,142 |
| Average total loans | $12,499,600 | 5,963 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3808% | 5,244 |
| Cost of funding earning assets | 0.3939% | 3,284 |
| Net interest margin | 2.9869% | 5,230 |
| Noninterest income to average assets | 0.2433% | 5,193 |
| Noninterest expense to average assets | 2.5042% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6359% | 4,208 |
| Return on assets (ROA) | 0.6359% | 4,318 |
| Pretax return on assets | 0.5966% | 4,982 |
| Return on Equity (ROE) | 6.8268% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.8268% | 1,776 |
| Net charge-offs to loans | -0.0325% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7595% | 1,552 |
| Assets per employee ($millions) | 4.1718% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9681% | 252 |
| Loan loss allowance to noncurrent loans | 306.4000% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 3,032 |
| Noncurrent loans to loans | 0.9687% | 2,566 |
| Net loans and leases to total assets | 75.0345% | 1,540 |
| Net loans and leases to deposits | 105.3336% | 393 |
| Net loans and leases to core deposits | 105.3336% | 1,147 |
| Total domestic deposits to total assets | 71.2351% | 5,916 |
| Equity capital to assets | 9.7501% | 4,452 |
| Core capital (leverage) ratio | 10.0252% | 3,586 |
| Tier 1 risk-based capital ratio | 12.8665% | 4,516 |
| Total risk-based capital ratio | 14.1310% | 4,422 |
| Memoranda: | ||
| Average total assets | $16,984,000 | 6,210 |
| Average earning assets | $16,248,250 | 6,190 |
| Average equity | $1,582,000 | 6,227 |
| Average total loans | $12,292,250 | 6,046 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0258% | 5,834 |
| Cost of funding earning assets | 0.2695% | 4,723 |
| Net interest margin | 2.7563% | 5,696 |
| Noninterest income to average assets | 0.2459% | 5,196 |
| Noninterest expense to average assets | 2.5171% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4800% | 4,853 |
| Return on assets (ROA) | 0.4800% | 4,954 |
| Pretax return on assets | 0.3629% | 5,550 |
| Return on Equity (ROE) | 5.2329% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.2329% | 2,714 |
| Net charge-offs to loans | -0.0165% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3984% | 952 |
| Assets per employee ($millions) | 4.0295% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1993% | 221 |
| Loan loss allowance to noncurrent loans | 183.1731% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 1,952 |
| Noncurrent loans to loans | 1.7466% | 1,469 |
| Net loans and leases to total assets | 71.5225% | 2,070 |
| Net loans and leases to deposits | 95.5333% | 1,000 |
| Net loans and leases to core deposits | 95.5333% | 1,842 |
| Total domestic deposits to total assets | 74.8666% | 5,721 |
| Equity capital to assets | 9.8523% | 4,213 |
| Core capital (leverage) ratio | 9.7340% | 3,959 |
| Tier 1 risk-based capital ratio | 12.8178% | 4,613 |
| Total risk-based capital ratio | 14.0931% | 4,522 |
| Memoranda: | ||
| Average total assets | $17,083,000 | 6,287 |
| Average earning assets | $16,326,000 | 6,265 |
| Average equity | $1,567,000 | 6,304 |
| Average total loans | $12,088,330 | 6,117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 2,815 |
| Cost of funding earning assets | 0.2609% | 4,895 |
| Net interest margin | 3.8428% | 2,093 |
| Noninterest income to average assets | 0.3416% | 4,464 |
| Noninterest expense to average assets | 3.5296% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6832% | 3,879 |
| Return on assets (ROA) | 0.6832% | 4,010 |
| Pretax return on assets | 0.5010% | 5,177 |
| Return on Equity (ROE) | 7.7096% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.7096% | 1,680 |
| Net charge-offs to loans | -0.0328% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5706% | 1,049 |
| Assets per employee ($millions) | 4.2563% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3468% | 207 |
| Loan loss allowance to noncurrent loans | 87.5862% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.5551% | 835 |
| Noncurrent loans to loans | 3.8212% | 470 |
| Net loans and leases to total assets | 64.6285% | 3,004 |
| Net loans and leases to deposits | 84.5020% | 2,003 |
| Net loans and leases to core deposits | 84.5020% | 2,714 |
| Total domestic deposits to total assets | 76.4816% | 5,686 |
| Equity capital to assets | 9.2335% | 5,047 |
| Core capital (leverage) ratio | 8.6940% | 5,335 |
| Tier 1 risk-based capital ratio | 13.2028% | 4,495 |
| Total risk-based capital ratio | 14.4802% | 4,394 |
| Memoranda: | ||
| Average total assets | $17,565,500 | 6,347 |
| Average earning assets | $16,862,500 | 6,324 |
| Average equity | $1,556,500 | 6,372 |
| Average total loans | $12,178,000 | 6,170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6589% | 6,279 |
| Cost of funding earning assets | 0.2422% | 5,404 |
| Net interest margin | 2.4166% | 6,215 |
| Noninterest income to average assets | 0.2542% | 5,313 |
| Noninterest expense to average assets | 2.6033% | 4,203 |
| Loan and lease loss provision to assets | 0.0166% | 4,276 |
| Net operating income to assets | -0.1603% | 6,190 |
| Return on assets (ROA) | -0.1603% | 6,188 |
| Pretax return on assets | -0.0497% | 6,121 |
| Return on Equity (ROE) | -1.8602% | 6,206 |
| Retained earnings to average equity (ytd only) | -1.8602% | 5,997 |
| Net charge-offs to loans | -0.0524% | 5,945 |
| Credit loss provision to net charge-offs | -50.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2903% | 341 |
| Assets per employee ($millions) | 4.5265% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9217% | 326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.5515% | 2,296 |
| Net loans and leases to deposits | 96.7204% | 853 |
| Net loans and leases to core deposits | 96.7204% | 1,660 |
| Total domestic deposits to total assets | 71.9099% | 6,092 |
| Equity capital to assets | 8.5110% | 5,746 |
| Core capital (leverage) ratio | 8.4964% | 5,564 |
| Tier 1 risk-based capital ratio | 11.5017% | 5,662 |
| Total risk-based capital ratio | 12.7780% | 5,564 |
| Memoranda: | ||
| Average total assets | $18,092,600 | 6,432 |
| Average earning assets | $17,338,200 | 6,406 |
| Average equity | $1,559,000 | 6,451 |
| Average total loans | $11,442,600 | 6,268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5110% | 6,408 |
| Cost of funding earning assets | 0.2457% | 5,448 |
| Net interest margin | 2.2652% | 6,353 |
| Noninterest income to average assets | 0.3022% | 5,027 |
| Noninterest expense to average assets | 2.6608% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2580% | 6,293 |
| Return on assets (ROA) | -0.2580% | 6,293 |
| Pretax return on assets | -0.1843% | 6,248 |
| Return on Equity (ROE) | -2.9850% | 6,314 |
| Retained earnings to average equity (ytd only) | -2.9850% | 6,142 |
| Net charge-offs to loans | -0.0723% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4405% | 252 |
| Assets per employee ($millions) | 4.5653% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0686% | 334 |
| Loan loss allowance to noncurrent loans | 118.2390% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 1,715 |
| Noncurrent loans to loans | 2.5953% | 1,107 |
| Net loans and leases to total assets | 65.0402% | 3,019 |
| Net loans and leases to deposits | 87.1003% | 1,779 |
| Net loans and leases to core deposits | 89.1935% | 2,298 |
| Total domestic deposits to total assets | 74.6728% | 5,953 |
| Equity capital to assets | 8.4114% | 5,869 |
| Core capital (leverage) ratio | 8.5239% | 5,637 |
| Tier 1 risk-based capital ratio | 12.0726% | 5,439 |
| Total risk-based capital ratio | 13.3459% | 5,347 |
| Memoranda: | ||
| Average total assets | $18,089,250 | 6,511 |
| Average earning assets | $17,363,500 | 6,482 |
| Average equity | $1,563,500 | 6,530 |
| Average total loans | $11,060,250 | 6,355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4088% | 6,505 |
| Cost of funding earning assets | 0.2432% | 5,557 |
| Net interest margin | 2.1656% | 6,470 |
| Noninterest income to average assets | 0.3882% | 4,334 |
| Noninterest expense to average assets | 2.7285% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1220% | 6,003 |
| Return on assets (ROA) | 0.1220% | 6,043 |
| Pretax return on assets | -0.2662% | 6,346 |
| Return on Equity (ROE) | 1.3989% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.3989% | 5,184 |
| Net charge-offs to loans | -0.0750% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8108% | 219 |
| Assets per employee ($millions) | 4.5463% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8885% | 189 |
| Loan loss allowance to noncurrent loans | 80.0857% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.5681% | 1,080 |
| Noncurrent loans to loans | 4.8555% | 425 |
| Net loans and leases to total assets | 50.8331% | 4,871 |
| Net loans and leases to deposits | 63.4890% | 4,549 |
| Net loans and leases to core deposits | 64.9157% | 4,731 |
| Total domestic deposits to total assets | 80.0660% | 5,220 |
| Equity capital to assets | 8.6830% | 5,627 |
| Core capital (leverage) ratio | 8.6601% | 5,459 |
| Tier 1 risk-based capital ratio | 15.2134% | 3,521 |
| Total risk-based capital ratio | 16.4948% | 3,446 |
| Memoranda: | ||
| Average total assets | $18,032,000 | 6,578 |
| Average earning assets | $17,269,670 | 6,548 |
| Average equity | $1,572,670 | 6,595 |
| Average total loans | $10,662,670 | 6,428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3594% | 6,584 |
| Cost of funding earning assets | 0.2570% | 5,521 |
| Net interest margin | 2.1024% | 6,558 |
| Noninterest income to average assets | 0.6683% | 2,354 |
| Noninterest expense to average assets | 2.8292% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0223% | 6,180 |
| Return on assets (ROA) | 0.0223% | 6,199 |
| Pretax return on assets | -0.1559% | 6,320 |
| Return on Equity (ROE) | 0.2549% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.2549% | 5,472 |
| Net charge-offs to loans | -0.0715% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8333% | 340 |
| Assets per employee ($millions) | 4.5628% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7297% | 227 |
| Loan loss allowance to noncurrent loans | 76.0736% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6793% | 1,142 |
| Noncurrent loans to loans | 4.9027% | 463 |
| Net loans and leases to total assets | 52.6108% | 4,594 |
| Net loans and leases to deposits | 67.3872% | 3,923 |
| Net loans and leases to core deposits | 68.9353% | 4,218 |
| Total domestic deposits to total assets | 78.0724% | 5,827 |
| Equity capital to assets | 8.6023% | 5,544 |
| Core capital (leverage) ratio | 8.4583% | 5,692 |
| Tier 1 risk-based capital ratio | 14.1090% | 4,255 |
| Total risk-based capital ratio | 15.3908% | 4,180 |
| Memoranda: | ||
| Average total assets | $17,955,500 | 6,651 |
| Average earning assets | $17,123,000 | 6,622 |
| Average equity | $1,569,500 | 6,660 |
| Average total loans | $11,185,000 | 6,478 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6718% | 6,559 |
| Cost of funding earning assets | 0.3370% | 5,269 |
| Net interest margin | 2.3348% | 6,497 |
| Noninterest income to average assets | 0.2119% | 5,817 |
| Noninterest expense to average assets | 3.1845% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.7250% | 6,552 |
| Return on assets (ROA) | -0.7250% | 6,554 |
| Pretax return on assets | -0.8087% | 6,557 |
| Return on Equity (ROE) | -7.9872% | 6,554 |
| Retained earnings to average equity (ytd only) | -8.0487% | 6,495 |
| Net charge-offs to loans | -0.0288% | 6,220 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.0376% | 100 |
| Assets per employee ($millions) | 4.4150% | 3,060 |
| Cash dividends to net income (ytd only)* | -0.7692% | 6,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9848% | 478 |
| Loan loss allowance to noncurrent loans | 82.0399% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 2.5538% | 1,334 |
| Noncurrent loans to loans | 3.6383% | 834 |
| Net loans and leases to total assets | 68.0974% | 2,344 |
| Net loans and leases to deposits | 94.9621% | 803 |
| Net loans and leases to core deposits | 97.4238% | 1,351 |
| Total domestic deposits to total assets | 71.7101% | 6,444 |
| Equity capital to assets | 8.8845% | 5,164 |
| Core capital (leverage) ratio | 9.4170% | 4,390 |
| Tier 1 risk-based capital ratio | 11.8081% | 5,735 |
| Total risk-based capital ratio | 13.1017% | 5,642 |
| Memoranda: | ||
| Average total assets | $17,930,800 | 6,728 |
| Average earning assets | $16,618,000 | 6,708 |
| Average equity | $1,627,600 | 6,745 |
| Average total loans | $10,411,600 | 6,573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6299% | 6,652 |
| Cost of funding earning assets | 0.3699% | 5,098 |
| Net interest margin | 2.2600% | 6,609 |
| Noninterest income to average assets | 0.2445% | 5,687 |
| Noninterest expense to average assets | 3.2076% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.8001% | 6,673 |
| Return on assets (ROA) | -0.8001% | 6,678 |
| Pretax return on assets | -0.8816% | 6,679 |
| Return on Equity (ROE) | -8.7685% | 6,672 |
| Retained earnings to average equity (ytd only) | -8.8494% | 6,614 |
| Net charge-offs to loans | -0.0134% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.8981% | 102 |
| Assets per employee ($millions) | 4.5295% | 2,837 |
| Cash dividends to net income (ytd only)* | -0.9236% | 6,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1856% | 459 |
| Loan loss allowance to noncurrent loans | 237.4194% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 3,978 |
| Noncurrent loans to loans | 1.3418% | 3,176 |
| Net loans and leases to total assets | 61.7287% | 3,414 |
| Net loans and leases to deposits | 84.5607% | 1,806 |
| Net loans and leases to core deposits | 86.9335% | 2,293 |
| Total domestic deposits to total assets | 72.9992% | 6,435 |
| Equity capital to assets | 8.7482% | 5,469 |
| Core capital (leverage) ratio | 8.7564% | 5,468 |
| Tier 1 risk-based capital ratio | 12.5366% | 5,439 |
| Total risk-based capital ratio | 13.8100% | 5,368 |
| Memoranda: | ||
| Average total assets | $17,998,500 | 6,805 |
| Average earning assets | $16,578,000 | 6,785 |
| Average equity | $1,642,250 | 6,819 |
| Average total loans | $9,915,500 | 6,666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4527% | 6,750 |
| Cost of funding earning assets | 0.3924% | 5,008 |
| Net interest margin | 2.0603% | 6,743 |
| Noninterest income to average assets | 0.3118% | 5,211 |
| Noninterest expense to average assets | 3.3410% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.9689% | 6,748 |
| Return on assets (ROA) | -0.9689% | 6,753 |
| Pretax return on assets | -1.1582% | 6,765 |
| Return on Equity (ROE) | -10.4735% | 6,748 |
| Retained earnings to average equity (ytd only) | -10.8347% | 6,683 |
| Net charge-offs to loans | 0.0427% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -52.0000% | 4,897 |
| Efficiency ratio | 153.0612% | 69 |
| Assets per employee ($millions) | 3.6956% | 4,408 |
| Cash dividends to net income (ytd only)* | -3.4483% | 6,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7052% | 319 |
| Loan loss allowance to noncurrent loans | 91.7085% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 2.1539% | 2,004 |
| Noncurrent loans to loans | 4.0402% | 957 |
| Net loans and leases to total assets | 51.3367% | 4,948 |
| Net loans and leases to deposits | 65.4568% | 4,327 |
| Net loans and leases to core deposits | 67.1290% | 4,581 |
| Total domestic deposits to total assets | 78.4284% | 5,889 |
| Equity capital to assets | 8.7131% | 5,532 |
| Core capital (leverage) ratio | 8.9600% | 5,063 |
| Tier 1 risk-based capital ratio | 14.1797% | 4,303 |
| Total risk-based capital ratio | 15.4607% | 4,241 |
| Memoranda: | ||
| Average total assets | $17,958,670 | 6,854 |
| Average earning assets | $16,308,330 | 6,841 |
| Average equity | $1,661,330 | 6,864 |
| Average total loans | $9,370,000 | 6,734 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6368% | 6,768 |
| Cost of funding earning assets | 0.4269% | 4,843 |
| Net interest margin | 2.2099% | 6,751 |
| Noninterest income to average assets | 0.5198% | 3,634 |
| Noninterest expense to average assets | 3.4352% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9266% | 6,793 |
| Return on assets (ROA) | -0.9266% | 6,804 |
| Pretax return on assets | -0.9266% | 6,787 |
| Return on Equity (ROE) | -9.7214% | 6,799 |
| Retained earnings to average equity (ytd only) | -9.9585% | 6,617 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.9369% | 116 |
| Assets per employee ($millions) | 3.7072% | 4,538 |
| Cash dividends to net income (ytd only)* | -2.4390% | 6,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9837% | 138 |
| Loan loss allowance to noncurrent loans | 495.9459% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,395 |
| Noncurrent loans to loans | 1.0049% | 4,119 |
| Net loans and leases to total assets | 37.7482% | 6,165 |
| Net loans and leases to deposits | 43.6848% | 6,222 |
| Net loans and leases to core deposits | 44.6893% | 6,278 |
| Total domestic deposits to total assets | 86.4102% | 3,295 |
| Equity capital to assets | 9.0311% | 5,443 |
| Core capital (leverage) ratio | 8.7841% | 5,212 |
| Tier 1 risk-based capital ratio | 17.6233% | 2,510 |
| Total risk-based capital ratio | 18.9094% | 2,465 |
| Memoranda: | ||
| Average total assets | $17,699,000 | 6,929 |
| Average earning assets | $15,928,500 | 6,918 |
| Average equity | $1,687,000 | 6,929 |
| Average total loans | $9,129,500 | 6,806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 6,641 |
| Cost of funding earning assets | 0.7042% | 3,461 |
| Net interest margin | 2.5315% | 6,692 |
| Noninterest income to average assets | 0.3256% | 5,128 |
| Noninterest expense to average assets | 2.9999% | 3,272 |
| Loan and lease loss provision to assets | 1.8314% | 134 |
| Net operating income to assets | -1.6976% | 6,898 |
| Return on assets (ROA) | -1.6976% | 6,909 |
| Pretax return on assets | -2.1860% | 6,950 |
| Return on Equity (ROE) | -19.3147% | 6,873 |
| Retained earnings to average equity (ytd only) | -19.5132% | 6,841 |
| Net charge-offs to loans | 0.9760% | 1,121 |
| Credit loss provision to net charge-offs | 328.1250% | 740 |
| Earnings coverage of net charge-offs (x) | -0.6354% | 5,700 |
| Efficiency ratio | 113.4066% | 286 |
| Assets per employee ($millions) | 3.3724% | 5,278 |
| Cash dividends to net income (ytd only)* | -1.0274% | 7,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3685% | 483 |
| Loan loss allowance to noncurrent loans | 476.6234% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 5,340 |
| Noncurrent loans to loans | 0.7067% | 4,776 |
| Net loans and leases to total assets | 62.4362% | 3,181 |
| Net loans and leases to deposits | 78.1589% | 2,507 |
| Net loans and leases to core deposits | 80.3051% | 2,965 |
| Total domestic deposits to total assets | 79.8838% | 5,696 |
| Equity capital to assets | 10.0818% | 4,057 |
| Core capital (leverage) ratio | 10.1552% | 3,188 |
| Tier 1 risk-based capital ratio | 14.1801% | 4,256 |
| Total risk-based capital ratio | 15.4822% | 4,173 |
| Memoranda: | ||
| Average total assets | $17,200,400 | 7,000 |
| Average earning assets | $15,761,600 | 6,985 |
| Average equity | $1,511,800 | 7,026 |
| Average total loans | $9,836,200 | 6,855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 6,844 |
| Cost of funding earning assets | 0.6184% | 4,466 |
| Net interest margin | 2.4989% | 6,822 |
| Noninterest income to average assets | 0.3857% | 4,740 |
| Noninterest expense to average assets | 2.6381% | 4,609 |
| Loan and lease loss provision to assets | 2.4298% | 67 |
| Net operating income to assets | -1.6584% | 6,995 |
| Return on assets (ROA) | -1.6584% | 7,004 |
| Pretax return on assets | -2.3758% | 7,069 |
| Return on Equity (ROE) | -19.5706% | 6,984 |
| Retained earnings to average equity (ytd only) | -19.5706% | 6,967 |
| Net charge-offs to loans | 1.3651% | 671 |
| Credit loss provision to net charge-offs | 321.4286% | 832 |
| Earnings coverage of net charge-offs (x) | 0.0714% | 5,299 |
| Efficiency ratio | 97.9943% | 603 |
| Assets per employee ($millions) | 4.2358% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8009% | 357 |
| Loan loss allowance to noncurrent loans | 401.0989% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 5,332 |
| Noncurrent loans to loans | 0.9476% | 4,545 |
| Net loans and leases to total assets | 54.5240% | 4,664 |
| Net loans and leases to deposits | 68.7300% | 4,066 |
| Net loans and leases to core deposits | 70.6161% | 4,419 |
| Total domestic deposits to total assets | 79.3307% | 5,799 |
| Equity capital to assets | 10.5058% | 3,837 |
| Core capital (leverage) ratio | 10.1230% | 3,367 |
| Tier 1 risk-based capital ratio | 16.3222% | 3,100 |
| Total risk-based capital ratio | 17.5955% | 3,052 |
| Memoranda: | ||
| Average total assets | $17,285,000 | 7,094 |
| Average earning assets | $15,953,500 | 7,069 |
| Average equity | $1,464,750 | 7,124 |
| Average total loans | $9,571,500 | 6,955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 6,935 |
| Cost of funding earning assets | 0.6532% | 4,414 |
| Net interest margin | 2.4369% | 6,939 |
| Noninterest income to average assets | 0.4943% | 3,953 |
| Noninterest expense to average assets | 2.8048% | 4,002 |
| Loan and lease loss provision to assets | 3.6209% | 38 |
| Net operating income to assets | -3.7588% | 7,189 |
| Return on assets (ROA) | -3.7588% | 7,190 |
| Pretax return on assets | -3.7014% | 7,181 |
| Return on Equity (ROE) | -48.0999% | 7,164 |
| Retained earnings to average equity (ytd only) | -48.2470% | 7,159 |
| Net charge-offs to loans | 2.0291% | 403 |
| Credit loss provision to net charge-offs | 324.7423% | 913 |
| Earnings coverage of net charge-offs (x) | -0.0722% | 5,119 |
| Efficiency ratio | 102.9536% | 462 |
| Assets per employee ($millions) | 4.2758% | 3,299 |
| Cash dividends to net income (ytd only)* | -0.3058% | 7,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5063% | 231 |
| Loan loss allowance to noncurrent loans | 82.4324% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.5960% | 2,136 |
| Noncurrent loans to loans | 5.4666% | 853 |
| Net loans and leases to total assets | 45.3488% | 5,887 |
| Net loans and leases to deposits | 53.3609% | 5,923 |
| Net loans and leases to core deposits | 54.7122% | 6,046 |
| Total domestic deposits to total assets | 84.9851% | 3,874 |
| Equity capital to assets | 9.7293% | 4,719 |
| Core capital (leverage) ratio | 9.3395% | 4,391 |
| Tier 1 risk-based capital ratio | 17.8471% | 2,343 |
| Total risk-based capital ratio | 19.1319% | 2,299 |
| Memoranda: | ||
| Average total assets | $17,399,000 | 7,153 |
| Average earning assets | $15,922,000 | 7,132 |
| Average equity | $1,359,670 | 7,191 |
| Average total loans | $9,561,000 | 7,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5745% | 6,609 |
| Cost of funding earning assets | 0.6409% | 4,815 |
| Net interest margin | 2.9336% | 6,431 |
| Noninterest income to average assets | 0.8890% | 1,794 |
| Noninterest expense to average assets | 2.7583% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5699% | 4,496 |
| Return on assets (ROA) | 0.5699% | 4,721 |
| Pretax return on assets | 0.8434% | 4,254 |
| Return on Equity (ROE) | 8.2816% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.2816% | 1,869 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5823% | 2,700 |
| Assets per employee ($millions) | 3.3862% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 2,791 |
| Loan loss allowance to noncurrent loans | 63.2479% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 3,803 |
| Noncurrent loans to loans | 2.9471% | 2,188 |
| Net loans and leases to total assets | 46.0221% | 5,779 |
| Net loans and leases to deposits | 49.9231% | 6,144 |
| Net loans and leases to core deposits | 51.0984% | 6,269 |
| Total domestic deposits to total assets | 92.1859% | 227 |
| Equity capital to assets | 2.4807% | 7,257 |
| Core capital (leverage) ratio | 2.1187% | 7,273 |
| Tier 1 risk-based capital ratio | 4.3586% | 7,234 |
| Total risk-based capital ratio | 5.6101% | 7,237 |
| Memoranda: | ||
| Average total assets | $17,547,000 | 7,211 |
| Average earning assets | $16,226,000 | 7,184 |
| Average equity | $1,207,500 | 7,260 |
| Average total loans | $10,280,500 | 7,049 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 6,776 |
| Cost of funding earning assets | 0.7024% | 5,525 |
| Net interest margin | 3.0536% | 6,441 |
| Noninterest income to average assets | 0.4076% | 4,556 |
| Noninterest expense to average assets | 2.6913% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3741% | 4,973 |
| Return on assets (ROA) | 0.3741% | 5,148 |
| Pretax return on assets | 0.5807% | 4,742 |
| Return on Equity (ROE) | 3.4320% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.3296% | 3,853 |
| Net charge-offs to loans | -0.0563% | 7,072 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2526% | 1,982 |
| Assets per employee ($millions) | 3.6326% | 4,701 |
| Cash dividends to net income (ytd only)* | 2.9851% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 5,520 |
| Loan loss allowance to noncurrent loans | 91.9255% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 4,845 |
| Noncurrent loans to loans | 1.2757% | 4,240 |
| Net loans and leases to total assets | 68.6726% | 2,273 |
| Net loans and leases to deposits | 92.4131% | 936 |
| Net loans and leases to core deposits | 94.9311% | 1,593 |
| Total domestic deposits to total assets | 74.3104% | 6,686 |
| Equity capital to assets | 10.9839% | 2,994 |
| Core capital (leverage) ratio | 10.5165% | 2,708 |
| Tier 1 risk-based capital ratio | 14.5600% | 3,927 |
| Total risk-based capital ratio | 15.6489% | 4,016 |
| Memoranda: | ||
| Average total assets | $17,909,800 | 7,246 |
| Average earning assets | $16,799,600 | 7,212 |
| Average equity | $1,952,200 | 7,215 |
| Average total loans | $10,664,800 | 7,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 7,168 |
| Cost of funding earning assets | 0.7301% | 5,594 |
| Net interest margin | 2.6029% | 7,071 |
| Noninterest income to average assets | 0.4856% | 3,995 |
| Noninterest expense to average assets | 2.4430% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3287% | 5,296 |
| Return on assets (ROA) | 0.3287% | 5,464 |
| Pretax return on assets | 0.4931% | 5,188 |
| Return on Equity (ROE) | 3.0219% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.8844% | 4,628 |
| Net charge-offs to loans | -0.0786% | 7,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2061% | 1,828 |
| Assets per employee ($millions) | 3.7348% | 4,447 |
| Cash dividends to net income (ytd only)* | 4.5509% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,988 |
| Loan loss allowance to noncurrent loans | 87.5740% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 4,925 |
| Noncurrent loans to loans | 1.4898% | 4,062 |
| Net loans and leases to total assets | 59.9550% | 4,136 |
| Net loans and leases to deposits | 81.2482% | 2,492 |
| Net loans and leases to core deposits | 83.4153% | 3,135 |
| Total domestic deposits to total assets | 73.7924% | 6,785 |
| Equity capital to assets | 10.5762% | 3,606 |
| Core capital (leverage) ratio | 10.5844% | 2,777 |
| Tier 1 risk-based capital ratio | 15.6205% | 3,322 |
| Total risk-based capital ratio | 16.8024% | 3,318 |
| Memoranda: | ||
| Average total assets | $17,846,500 | 7,322 |
| Average earning assets | $16,801,500 | 7,287 |
| Average equity | $1,941,500 | 7,289 |
| Average total loans | $10,175,750 | 7,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2877% | 7,256 |
| Cost of funding earning assets | 0.7373% | 5,750 |
| Net interest margin | 2.5504% | 7,156 |
| Noninterest income to average assets | 0.6488% | 2,851 |
| Noninterest expense to average assets | 2.4359% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3756% | 5,050 |
| Return on assets (ROA) | 0.3756% | 5,194 |
| Pretax return on assets | 0.6147% | 4,698 |
| Return on Equity (ROE) | 3.4191% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.3155% | 4,146 |
| Net charge-offs to loans | -0.1226% | 7,206 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8507% | 2,410 |
| Assets per employee ($millions) | 3.5884% | 4,721 |
| Cash dividends to net income (ytd only)* | 3.0303% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 3,760 |
| Loan loss allowance to noncurrent loans | 47.2843% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 3,585 |
| Noncurrent loans to loans | 3.3505% | 2,130 |
| Net loans and leases to total assets | 51.2429% | 5,664 |
| Net loans and leases to deposits | 64.4153% | 5,226 |
| Net loans and leases to core deposits | 66.0631% | 5,507 |
| Total domestic deposits to total assets | 79.5508% | 5,944 |
| Equity capital to assets | 10.9185% | 3,037 |
| Core capital (leverage) ratio | 11.1923% | 2,118 |
| Tier 1 risk-based capital ratio | 18.1006% | 2,137 |
| Total risk-based capital ratio | 19.3563% | 2,089 |
| Memoranda: | ||
| Average total assets | $17,570,670 | 7,395 |
| Average earning assets | $16,546,330 | 7,363 |
| Average equity | $1,930,330 | 7,353 |
| Average total loans | $9,786,330 | 7,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 7,259 |
| Cost of funding earning assets | 0.7856% | 5,637 |
| Net interest margin | 2.6270% | 7,103 |
| Noninterest income to average assets | 1.2194% | 858 |
| Noninterest expense to average assets | 2.9221% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4832% | 4,560 |
| Return on assets (ROA) | 0.4832% | 4,640 |
| Pretax return on assets | 0.7593% | 4,060 |
| Return on Equity (ROE) | 4.3841% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.1754% | 3,659 |
| Net charge-offs to loans | -0.2398% | 7,295 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3750% | 2,637 |
| Assets per employee ($millions) | 3.6162% | 4,728 |
| Cash dividends to net income (ytd only)* | 4.7619% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 3,029 |
| Loan loss allowance to noncurrent loans | 111.2782% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 5,463 |
| Noncurrent loans to loans | 1.6125% | 4,063 |
| Net loans and leases to total assets | 44.7984% | 6,397 |
| Net loans and leases to deposits | 52.7928% | 6,412 |
| Net loans and leases to core deposits | 54.0468% | 6,553 |
| Total domestic deposits to total assets | 84.8570% | 4,105 |
| Equity capital to assets | 10.6742% | 3,012 |
| Core capital (leverage) ratio | 11.3725% | 1,920 |
| Tier 1 risk-based capital ratio | 19.5196% | 1,690 |
| Total risk-based capital ratio | 20.7711% | 1,655 |
| Memoranda: | ||
| Average total assets | $17,385,000 | 7,456 |
| Average earning assets | $16,292,500 | 7,427 |
| Average equity | $1,916,000 | 7,405 |
| Average total loans | $10,008,500 | 7,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 5,099 |
| Cost of funding earning assets | 0.9528% | 5,920 |
| Net interest margin | 3.9334% | 3,329 |
| Noninterest income to average assets | 0.1707% | 6,514 |
| Noninterest expense to average assets | 2.9987% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6217% | 3,576 |
| Return on assets (ROA) | 0.6217% | 3,738 |
| Pretax return on assets | 0.8959% | 3,308 |
| Return on Equity (ROE) | 5.4043% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.2453% | 2,283 |
| Net charge-offs to loans | 0.0486% | 6,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 744 |
| Efficiency ratio | 76.9953% | 2,875 |
| Assets per employee ($millions) | 3.3378% | 5,340 |
| Cash dividends to net income (ytd only)* | 2.9412% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,477 |
| Loan loss allowance to noncurrent loans | 106.7669% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 5,417 |
| Noncurrent loans to loans | 1.1301% | 4,851 |
| Net loans and leases to total assets | 69.6686% | 2,611 |
| Net loans and leases to deposits | 88.5664% | 1,709 |
| Net loans and leases to core deposits | 91.0279% | 2,615 |
| Total domestic deposits to total assets | 78.6626% | 6,175 |
| Equity capital to assets | 11.3967% | 2,343 |
| Core capital (leverage) ratio | 11.9134% | 1,610 |
| Tier 1 risk-based capital ratio | 15.6808% | 2,903 |
| Total risk-based capital ratio | 16.8442% | 2,917 |
| Memoranda: | ||
| Average total assets | $16,407,200 | 7,546 |
| Average earning assets | $15,533,600 | 7,510 |
| Average equity | $1,887,400 | 7,520 |
| Average total loans | $10,290,600 | 7,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 5,067 |
| Cost of funding earning assets | 1.0111% | 5,888 |
| Net interest margin | 3.9318% | 3,397 |
| Noninterest income to average assets | 0.1550% | 6,751 |
| Noninterest expense to average assets | 2.8238% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6366% | 3,716 |
| Return on assets (ROA) | 0.6366% | 3,887 |
| Pretax return on assets | 1.0447% | 3,018 |
| Return on Equity (ROE) | 5.5209% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.3792% | 2,718 |
| Net charge-offs to loans | 0.0672% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 25.5862% | 990 |
| Efficiency ratio | 72.9958% | 3,527 |
| Assets per employee ($millions) | 3.2412% | 5,592 |
| Cash dividends to net income (ytd only)* | 2.5673% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,686 |
| Loan loss allowance to noncurrent loans | 58.4362% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.4994% | 4,205 |
| Noncurrent loans to loans | 2.3225% | 3,315 |
| Net loans and leases to total assets | 63.6863% | 4,188 |
| Net loans and leases to deposits | 80.2317% | 3,409 |
| Net loans and leases to core deposits | 82.5086% | 4,164 |
| Total domestic deposits to total assets | 79.3780% | 5,905 |
| Equity capital to assets | 11.8783% | 2,236 |
| Core capital (leverage) ratio | 12.4334% | 1,446 |
| Tier 1 risk-based capital ratio | 17.0809% | 2,313 |
| Total risk-based capital ratio | 18.3281% | 2,276 |
| Memoranda: | ||
| Average total assets | $16,336,750 | 7,638 |
| Average earning assets | $15,429,500 | 7,606 |
| Average equity | $1,883,750 | 7,618 |
| Average total loans | $9,921,000 | 7,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 3,569 |
| Cost of funding earning assets | 1.0246% | 6,034 |
| Net interest margin | 4.2541% | 1,947 |
| Noninterest income to average assets | 0.0855% | 7,152 |
| Noninterest expense to average assets | 2.8449% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7082% | 3,367 |
| Return on assets (ROA) | 0.7082% | 3,520 |
| Pretax return on assets | 1.2454% | 2,273 |
| Return on Equity (ROE) | 6.2032% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.0963% | 2,284 |
| Net charge-offs to loans | 0.1027% | 5,123 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,216 |
| Efficiency ratio | 69.5522% | 4,270 |
| Assets per employee ($millions) | 3.2520% | 5,547 |
| Cash dividends to net income (ytd only)* | 1.7241% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,740 |
| Loan loss allowance to noncurrent loans | 58.4362% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 4,215 |
| Noncurrent loans to loans | 2.6270% | 3,012 |
| Net loans and leases to total assets | 56.0148% | 5,701 |
| Net loans and leases to deposits | 68.9321% | 5,424 |
| Net loans and leases to core deposits | 73.3511% | 5,514 |
| Total domestic deposits to total assets | 81.2608% | 5,313 |
| Equity capital to assets | 11.6851% | 2,290 |
| Core capital (leverage) ratio | 11.5529% | 1,880 |
| Tier 1 risk-based capital ratio | 17.9835% | 1,966 |
| Total risk-based capital ratio | 19.2330% | 1,933 |
| Memoranda: | ||
| Average total assets | $16,380,330 | 7,703 |
| Average earning assets | $15,420,330 | 7,671 |
| Average equity | $1,870,000 | 7,687 |
| Average total loans | $9,740,330 | 7,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2970% | 532 |
| Cost of funding earning assets | 1.1143% | 5,833 |
| Net interest margin | 5.1827% | 301 |
| Noninterest income to average assets | 0.1217% | 7,080 |
| Noninterest expense to average assets | 2.9439% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4598% | 965 |
| Return on assets (ROA) | 1.4598% | 1,040 |
| Pretax return on assets | 2.0437% | 564 |
| Return on Equity (ROE) | 12.9380% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.7224% | 660 |
| Net charge-offs to loans | 0.2804% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,600 |
| Efficiency ratio | 59.0244% | 6,337 |
| Assets per employee ($millions) | 3.4726% | 5,092 |
| Cash dividends to net income (ytd only)* | 1.6667% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,556 |
| Loan loss allowance to noncurrent loans | 59.8291% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,495 |
| Noncurrent loans to loans | 2.2957% | 3,391 |
| Net loans and leases to total assets | 57.8990% | 5,454 |
| Net loans and leases to deposits | 71.3029% | 5,152 |
| Net loans and leases to core deposits | 75.5467% | 5,316 |
| Total domestic deposits to total assets | 81.2014% | 5,379 |
| Equity capital to assets | 10.8737% | 2,870 |
| Core capital (leverage) ratio | 10.3190% | 2,792 |
| Tier 1 risk-based capital ratio | 16.5168% | 2,440 |
| Total risk-based capital ratio | 17.7513% | 2,401 |
| Memoranda: | ||
| Average total assets | $16,440,500 | 7,804 |
| Average earning assets | $15,436,000 | 7,772 |
| Average equity | $1,855,000 | 7,775 |
| Average total loans | $9,985,500 | 7,650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 6,275 |
| Cost of funding earning assets | 1.8530% | 3,720 |
| Net interest margin | 3.1953% | 6,115 |
| Noninterest income to average assets | 0.1724% | 6,843 |
| Noninterest expense to average assets | 2.7094% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3879% | 4,173 |
| Return on assets (ROA) | 0.3879% | 4,277 |
| Pretax return on assets | 0.4680% | 4,295 |
| Return on Equity (ROE) | 3.5121% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.3449% | 2,828 |
| Net charge-offs to loans | -0.2664% | 7,924 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2713% | 2,193 |
| Assets per employee ($millions) | 3.1036% | 5,982 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,709 |
| Loan loss allowance to noncurrent loans | 45.0920% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1008% | 3,275 |
| Noncurrent loans to loans | 3.3340% | 2,284 |
| Net loans and leases to total assets | 62.0634% | 4,978 |
| Net loans and leases to deposits | 70.7278% | 5,506 |
| Net loans and leases to core deposits | 89.9505% | 5,129 |
| Total domestic deposits to total assets | 87.7497% | 2,096 |
| Equity capital to assets | 11.7412% | 2,169 |
| Core capital (leverage) ratio | 11.6611% | 1,837 |
| Tier 1 risk-based capital ratio | 16.5330% | 2,306 |
| Total risk-based capital ratio | 17.7816% | 2,257 |
| Memoranda: | ||
| Average total assets | $16,240,000 | 7,873 |
| Average earning assets | $15,272,600 | 7,839 |
| Average equity | $1,793,800 | 7,876 |
| Average total loans | $8,632,800 | 7,759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 6,413 |
| Cost of funding earning assets | 1.9370% | 3,672 |
| Net interest margin | 3.1251% | 6,245 |
| Noninterest income to average assets | 0.1462% | 7,127 |
| Noninterest expense to average assets | 2.8500% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2111% | 5,112 |
| Return on assets (ROA) | 0.2111% | 5,197 |
| Pretax return on assets | 0.2436% | 5,204 |
| Return on Equity (ROE) | 1.9404% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.7910% | 4,310 |
| Net charge-offs to loans | -0.4633% | 8,022 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1260% | 1,533 |
| Assets per employee ($millions) | 3.1542% | 5,773 |
| Cash dividends to net income (ytd only)* | 7.7012% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 2,559 |
| Loan loss allowance to noncurrent loans | 180.0000% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 6,109 |
| Noncurrent loans to loans | 0.9543% | 5,386 |
| Net loans and leases to total assets | 55.5069% | 6,198 |
| Net loans and leases to deposits | 63.1647% | 6,574 |
| Net loans and leases to core deposits | 79.7776% | 6,375 |
| Total domestic deposits to total assets | 87.8765% | 1,714 |
| Equity capital to assets | 11.4070% | 2,666 |
| Core capital (leverage) ratio | 9.9899% | 3,297 |
| Tier 1 risk-based capital ratio | 15.2200% | 2,938 |
| Total risk-based capital ratio | 16.4698% | 2,887 |
| Memoranda: | ||
| Average total assets | $16,420,500 | 7,947 |
| Average earning assets | $15,487,250 | 7,914 |
| Average equity | $1,786,750 | 7,960 |
| Average total loans | $8,346,500 | 7,849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 5,557 |
| Cost of funding earning assets | 1.9740% | 3,896 |
| Net interest margin | 3.3455% | 5,382 |
| Noninterest income to average assets | 0.1322% | 7,299 |
| Noninterest expense to average assets | 2.7048% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2404% | 5,129 |
| Return on assets (ROA) | 0.2404% | 5,216 |
| Pretax return on assets | 0.5650% | 4,424 |
| Return on Equity (ROE) | 2.2438% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.1316% | 4,157 |
| Net charge-offs to loans | -0.7108% | 8,117 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7206% | 2,633 |
| Assets per employee ($millions) | 3.3162% | 5,274 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 1,731 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 7,608 |
| Noncurrent loans to loans | 0.0252% | 7,477 |
| Net loans and leases to total assets | 47.0177% | 7,125 |
| Net loans and leases to deposits | 53.1642% | 7,329 |
| Net loans and leases to core deposits | 66.1070% | 7,210 |
| Total domestic deposits to total assets | 88.4386% | 1,554 |
| Equity capital to assets | 10.7412% | 3,167 |
| Core capital (leverage) ratio | 9.1533% | 4,379 |
| Tier 1 risk-based capital ratio | 14.1478% | 3,429 |
| Total risk-based capital ratio | 15.3687% | 3,387 |
| Memoranda: | ||
| Average total assets | $16,637,000 | 8,027 |
| Average earning assets | $15,603,000 | 7,986 |
| Average equity | $1,782,670 | 8,043 |
| Average total loans | $8,159,670 | 7,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2929% | 1,320 |
| Cost of funding earning assets | 1.9164% | 4,550 |
| Net interest margin | 4.3765% | 1,404 |
| Noninterest income to average assets | 0.1440% | 7,266 |
| Noninterest expense to average assets | 2.6883% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7681% | 3,262 |
| Return on assets (ROA) | 0.7681% | 3,438 |
| Pretax return on assets | 1.5122% | 1,634 |
| Return on Equity (ROE) | 7.1769% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.9526% | 2,230 |
| Net charge-offs to loans | -1.4035% | 8,169 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 5,686 |
| Assets per employee ($millions) | 3.5100% | 4,797 |
| Cash dividends to net income (ytd only)* | 3.1250% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 1,321 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 7,605 |
| Noncurrent loans to loans | 0.0268% | 7,476 |
| Net loans and leases to total assets | 41.5726% | 7,491 |
| Net loans and leases to deposits | 46.6974% | 7,638 |
| Net loans and leases to core deposits | 56.5669% | 7,592 |
| Total domestic deposits to total assets | 89.0256% | 1,219 |
| Equity capital to assets | 10.2279% | 3,735 |
| Core capital (leverage) ratio | 10.7465% | 2,699 |
| Tier 1 risk-based capital ratio | 13.8211% | 3,683 |
| Total risk-based capital ratio | 15.0058% | 3,637 |
| Memoranda: | ||
| Average total assets | $16,665,000 | 8,075 |
| Average earning assets | $15,446,000 | 8,039 |
| Average equity | $1,783,500 | 8,096 |
| Average total loans | $8,265,000 | 7,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 6,744 |
| Cost of funding earning assets | 2.7802% | 2,785 |
| Net interest margin | 2.9299% | 7,081 |
| Noninterest income to average assets | 0.1712% | 7,197 |
| Noninterest expense to average assets | 2.3705% | 6,498 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3490% | 5,356 |
| Return on assets (ROA) | 0.3490% | 5,168 |
| Pretax return on assets | 0.5070% | 4,952 |
| Return on Equity (ROE) | 3.0671% | 5,210 |
| Retained earnings to average equity (ytd only) | 2.9514% | 3,333 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3799% | 2,254 |
| Assets per employee ($millions) | 3.1560% | 5,604 |
| Cash dividends to net income (ytd only)* | 3.7736% | 4,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 3,390 |
| Loan loss allowance to noncurrent loans | 165.3333% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 5,802 |
| Noncurrent loans to loans | 0.8259% | 4,985 |
| Net loans and leases to total assets | 56.7617% | 6,354 |
| Net loans and leases to deposits | 64.4574% | 6,760 |
| Net loans and leases to core deposits | 75.8297% | 6,867 |
| Total domestic deposits to total assets | 88.0608% | 1,449 |
| Equity capital to assets | 11.2294% | 2,861 |
| Core capital (leverage) ratio | 10.9168% | 2,655 |
| Tier 1 risk-based capital ratio | 17.3320% | 2,221 |
| Total risk-based capital ratio | 18.5573% | 2,181 |
| Memoranda: | ||
| Average total assets | $15,186,800 | 8,157 |
| Average earning assets | $14,027,800 | 8,138 |
| Average equity | $1,728,000 | 8,175 |
| Average total loans | $8,171,200 | 8,027 |