Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,289 |
| Cost of funding earning assets | 0.8291% | 3,665 |
| Net interest margin | 2.8505% | 3,568 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.8779% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7844% | 2,920 |
| Return on assets (ROA) | 0.7844% | 2,901 |
| Pretax return on assets | 0.9249% | 2,894 |
| Return on Equity (ROE) | 6.5100% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.6939% | 3,382 |
| Net charge-offs to loans | -0.9773% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.0009% | 2,231 |
| Assets per employee ($millions) | 5.3116% | 3,384 |
| Cash dividends to net income (ytd only)* | 58.6319% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4594% | 85 |
| 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 | 31.5200% | 4,264 |
| Net loans and leases to deposits | 36.3160% | 4,267 |
| Net loans and leases to core deposits | 36.3160% | 4,338 |
| Total domestic deposits to total assets | 86.8100% | 1,750 |
| Equity capital to assets | 12.7780% | 910 |
| Core capital (leverage) ratio | 13.0204% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $39,140,200 | 4,398 |
| Average earning assets | $36,906,000 | 4,366 |
| Average equity | $4,714,400 | 4,285 |
| Average total loans | $12,176,800 | 4,385 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 4,317 |
| Cost of funding earning assets | 0.7668% | 3,614 |
| Net interest margin | 2.8176% | 3,702 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.7528% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7974% | 3,029 |
| Return on assets (ROA) | 0.7974% | 3,028 |
| Pretax return on assets | 1.0430% | 2,735 |
| Return on Equity (ROE) | 6.7200% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.4488% | 3,121 |
| Net charge-offs to loans | -1.3020% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.6955% | 2,641 |
| Assets per employee ($millions) | 5.8933% | 2,841 |
| Cash dividends to net income (ytd only)* | 33.7553% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4871% | 79 |
| 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 | 32.9500% | 4,267 |
| Net loans and leases to deposits | 38.1782% | 4,250 |
| Net loans and leases to core deposits | 38.1782% | 4,291 |
| Total domestic deposits to total assets | 86.3100% | 2,099 |
| Equity capital to assets | 13.5209% | 719 |
| Core capital (leverage) ratio | 12.9199% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $39,630,000 | 4,412 |
| Average earning assets | $37,904,000 | 4,379 |
| Average equity | $4,705,250 | 4,295 |
| Average total loans | $12,185,750 | 4,410 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 4,279 |
| Cost of funding earning assets | 0.6943% | 3,504 |
| Net interest margin | 2.8786% | 3,684 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.7295% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8379% | 2,963 |
| Return on assets (ROA) | 0.8379% | 2,973 |
| Pretax return on assets | 1.1302% | 2,565 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.9316% | 3,220 |
| Net charge-offs to loans | -1.9635% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4770% | 2,897 |
| Assets per employee ($millions) | 6.2873% | 2,475 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5171% | 89 |
| 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 | 30.7600% | 4,311 |
| Net loans and leases to deposits | 35.2255% | 4,311 |
| Net loans and leases to core deposits | 35.2255% | 4,344 |
| Total domestic deposits to total assets | 87.3200% | 1,827 |
| Equity capital to assets | 12.5013% | 923 |
| Core capital (leverage) ratio | 11.8662% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $41,053,333 | 4,425 |
| Average earning assets | $39,464,000 | 4,393 |
| Average equity | $4,680,000 | 4,326 |
| Average total loans | $12,223,333 | 4,436 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 4,188 |
| Cost of funding earning assets | 0.6699% | 3,155 |
| Net interest margin | 2.9027% | 3,790 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.9851% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7116% | 3,437 |
| Return on assets (ROA) | 0.7116% | 3,392 |
| Pretax return on assets | 0.8989% | 3,239 |
| Return on Equity (ROE) | 6.5200% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.5208% | 2,639 |
| Net charge-offs to loans | -3.8956% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8312% | 1,883 |
| Assets per employee ($millions) | 6.8497% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4596% | 92 |
| 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 | 28.7200% | 4,391 |
| Net loans and leases to deposits | 32.4553% | 4,401 |
| Net loans and leases to core deposits | 32.4553% | 4,413 |
| Total domestic deposits to total assets | 88.5000% | 1,739 |
| Equity capital to assets | 11.4361% | 1,174 |
| Core capital (leverage) ratio | 10.5949% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $42,718,000 | 4,480 |
| Average earning assets | $41,203,000 | 4,445 |
| Average equity | $4,662,000 | 4,383 |
| Average total loans | $12,321,500 | 4,496 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6526% | 4,434 |
| Cost of funding earning assets | 0.2630% | 3,220 |
| Net interest margin | 2.3896% | 4,368 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.8070% | 4,020 |
| Loan and lease loss provision to assets | -0.3000% | 4,665 |
| Net operating income to assets | 0.7421% | 3,504 |
| Return on assets (ROA) | 0.7421% | 3,443 |
| Pretax return on assets | 0.9141% | 3,316 |
| Return on Equity (ROE) | 6.8700% | 3,663 |
| Retained earnings to average equity (ytd only) | 2.5084% | 3,853 |
| Net charge-offs to loans | -0.0880% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.5384% | 1,165 |
| Assets per employee ($millions) | 7.3897% | 1,693 |
| Cash dividends to net income (ytd only)* | 63.4921% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4404% | 223 |
| 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 | 27.3200% | 4,454 |
| Net loans and leases to deposits | 30.5037% | 4,465 |
| Net loans and leases to core deposits | 30.5037% | 4,478 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 10.4290% | 1,487 |
| Core capital (leverage) ratio | 10.5764% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $42,445,200 | 4,506 |
| Average earning assets | $39,546,200 | 4,483 |
| Average equity | $4,584,600 | 4,472 |
| Average total loans | $12,506,000 | 4,520 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4921% | 4,448 |
| Cost of funding earning assets | 0.1891% | 3,405 |
| Net interest margin | 2.3031% | 4,402 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.5979% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5051% | 4,062 |
| Return on assets (ROA) | 0.5051% | 4,011 |
| Pretax return on assets | 0.6131% | 3,966 |
| Return on Equity (ROE) | 4.6300% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.6340% | 3,226 |
| Net charge-offs to loans | -0.1383% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.2701% | 1,478 |
| Assets per employee ($millions) | 6.9200% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4079% | 93 |
| 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 | 29.4200% | 4,438 |
| Net loans and leases to deposits | 33.1524% | 4,435 |
| Net loans and leases to core deposits | 33.1524% | 4,463 |
| Total domestic deposits to total assets | 88.7500% | 2,185 |
| Equity capital to assets | 11.2428% | 1,083 |
| Core capital (leverage) ratio | 11.0079% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $41,972,000 | 4,544 |
| Average earning assets | $38,787,750 | 4,522 |
| Average equity | $4,574,750 | 4,516 |
| Average total loans | $12,528,500 | 4,551 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3445% | 4,494 |
| Cost of funding earning assets | 0.1514% | 3,555 |
| Net interest margin | 2.1931% | 4,441 |
| Noninterest income to average assets | 0.0807% | 4,552 |
| Noninterest expense to average assets | 1.5574% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3561% | 4,199 |
| Return on assets (ROA) | 0.3561% | 4,152 |
| Pretax return on assets | 0.5175% | 3,964 |
| Return on Equity (ROE) | 3.3013% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.3013% | 3,349 |
| Net charge-offs to loans | -0.2082% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0572% | 1,383 |
| Assets per employee ($millions) | 5.9953% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5661% | 94 |
| 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 | 27.7718% | 4,522 |
| Net loans and leases to deposits | 31.1806% | 4,520 |
| Net loans and leases to core deposits | 31.1806% | 4,547 |
| Total domestic deposits to total assets | 89.0676% | 2,153 |
| Equity capital to assets | 10.9229% | 1,245 |
| Core capital (leverage) ratio | 10.7971% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,122,667 | 4,589 |
| Average earning assets | $38,302,667 | 4,587 |
| Average equity | $4,543,667 | 4,565 |
| Average total loans | $12,489,000 | 4,616 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3408% | 4,425 |
| Cost of funding earning assets | 0.1618% | 3,345 |
| Net interest margin | 2.1790% | 4,370 |
| Noninterest income to average assets | 0.0948% | 4,528 |
| Noninterest expense to average assets | 1.6872% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2749% | 4,192 |
| Return on assets (ROA) | 0.2749% | 4,160 |
| Pretax return on assets | 0.3223% | 4,155 |
| Return on Equity (ROE) | 2.5644% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.5644% | 3,394 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9623% | 853 |
| Assets per employee ($millions) | 6.0729% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3299% | 118 |
| 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 | 28.5462% | 4,492 |
| Net loans and leases to deposits | 31.9637% | 4,495 |
| Net loans and leases to core deposits | 31.9637% | 4,534 |
| Total domestic deposits to total assets | 89.3084% | 1,919 |
| Equity capital to assets | 10.6751% | 1,505 |
| Core capital (leverage) ratio | 10.4825% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,200,500 | 4,609 |
| Average earning assets | $37,082,000 | 4,622 |
| Average equity | $4,523,500 | 4,610 |
| Average total loans | $12,690,500 | 4,634 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8164% | 4,181 |
| Cost of funding earning assets | 0.1794% | 3,664 |
| Net interest margin | 2.6370% | 3,983 |
| Noninterest income to average assets | 0.1561% | 4,371 |
| Noninterest expense to average assets | 1.7792% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5154% | 4,049 |
| Return on assets (ROA) | 0.5154% | 4,100 |
| Pretax return on assets | 0.6715% | 3,990 |
| Return on Equity (ROE) | 4.6267% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.4023% | 3,860 |
| Net charge-offs to loans | -0.0239% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5986% | 1,445 |
| Assets per employee ($millions) | 5.9844% | 2,790 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2585% | 117 |
| 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 | 29.6245% | 4,524 |
| Net loans and leases to deposits | 33.2922% | 4,547 |
| Net loans and leases to core deposits | 33.2922% | 4,578 |
| Total domestic deposits to total assets | 88.9833% | 1,525 |
| Equity capital to assets | 10.7636% | 1,964 |
| Core capital (leverage) ratio | 11.0439% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,355,400 | 4,659 |
| Average earning assets | $35,115,400 | 4,665 |
| Average equity | $4,495,600 | 4,670 |
| Average total loans | $12,541,600 | 4,689 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 4,147 |
| Cost of funding earning assets | 0.1877% | 3,733 |
| Net interest margin | 2.7270% | 3,918 |
| Noninterest income to average assets | 0.1568% | 4,416 |
| Noninterest expense to average assets | 1.7912% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5470% | 4,104 |
| Return on assets (ROA) | 0.5470% | 4,149 |
| Pretax return on assets | 0.7405% | 4,001 |
| Return on Equity (ROE) | 4.8675% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.8675% | 3,266 |
| Net charge-offs to loans | -0.0642% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7510% | 1,519 |
| Assets per employee ($millions) | 5.6661% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3137% | 120 |
| 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 | 30.9709% | 4,567 |
| Net loans and leases to deposits | 35.0041% | 4,601 |
| Net loans and leases to core deposits | 35.0041% | 4,630 |
| Total domestic deposits to total assets | 88.4779% | 1,576 |
| Equity capital to assets | 11.5095% | 1,668 |
| Core capital (leverage) ratio | 11.2964% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,971,500 | 4,731 |
| Average earning assets | $34,811,250 | 4,740 |
| Average equity | $4,492,250 | 4,739 |
| Average total loans | $12,470,000 | 4,763 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0685% | 3,927 |
| Cost of funding earning assets | 0.1839% | 3,914 |
| Net interest margin | 2.8846% | 3,614 |
| Noninterest income to average assets | 0.1896% | 4,256 |
| Noninterest expense to average assets | 1.8915% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6089% | 3,964 |
| Return on assets (ROA) | 0.6089% | 4,021 |
| Pretax return on assets | 0.8035% | 3,862 |
| Return on Equity (ROE) | 5.4611% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.4611% | 3,011 |
| Net charge-offs to loans | -0.0807% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1852% | 1,613 |
| Assets per employee ($millions) | 5.6870% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3738% | 112 |
| 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 | 30.2168% | 4,643 |
| Net loans and leases to deposits | 34.0958% | 4,678 |
| Net loans and leases to core deposits | 34.0958% | 4,709 |
| Total domestic deposits to total assets | 88.6232% | 1,489 |
| Equity capital to assets | 11.3618% | 1,723 |
| Core capital (leverage) ratio | 11.0660% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,074,333 | 4,760 |
| Average earning assets | $34,805,000 | 4,770 |
| Average equity | $4,468,000 | 4,770 |
| Average total loans | $12,391,667 | 4,800 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2747% | 3,519 |
| Cost of funding earning assets | 0.1960% | 3,946 |
| Net interest margin | 3.0787% | 3,059 |
| Noninterest income to average assets | 0.3084% | 3,564 |
| Noninterest expense to average assets | 2.0096% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7859% | 3,466 |
| Return on assets (ROA) | 0.7859% | 3,534 |
| Pretax return on assets | 0.9551% | 3,487 |
| Return on Equity (ROE) | 7.1163% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.1163% | 2,540 |
| Net charge-offs to loans | -0.1294% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7852% | 1,960 |
| Assets per employee ($millions) | 5.8234% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3763% | 110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.4157% | 4,711 |
| Net loans and leases to deposits | 33.0649% | 4,744 |
| Net loans and leases to core deposits | 33.0649% | 4,773 |
| Total domestic deposits to total assets | 88.9633% | 1,358 |
| Equity capital to assets | 10.9901% | 1,870 |
| Core capital (leverage) ratio | 10.8957% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,207,000 | 4,784 |
| Average earning assets | $34,690,000 | 4,790 |
| Average equity | $4,440,500 | 4,796 |
| Average total loans | $12,363,000 | 4,823 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2706% | 4,367 |
| Cost of funding earning assets | 0.3170% | 4,046 |
| Net interest margin | 2.9536% | 4,003 |
| Noninterest income to average assets | 0.1233% | 4,659 |
| Noninterest expense to average assets | 1.9036% | 4,317 |
| Loan and lease loss provision to assets | 0.0214% | 4,127 |
| Net operating income to assets | 0.7614% | 3,235 |
| Return on assets (ROA) | 0.7614% | 3,361 |
| Pretax return on assets | 0.9464% | 3,231 |
| Return on Equity (ROE) | 6.5444% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.2400% | 2,687 |
| Net charge-offs to loans | -0.0225% | 4,460 |
| Credit loss provision to net charge-offs | -266.6667% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2932% | 2,485 |
| Assets per employee ($millions) | 5.6643% | 2,668 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3696% | 108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 30.0151% | 4,752 |
| Net loans and leases to deposits | 33.7674% | 4,790 |
| Net loans and leases to core deposits | 33.7674% | 4,808 |
| Total domestic deposits to total assets | 88.8878% | 1,036 |
| Equity capital to assets | 11.0996% | 2,172 |
| Core capital (leverage) ratio | 11.4481% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,298,000 | 4,802 |
| Average earning assets | $34,703,000 | 4,784 |
| Average equity | $4,339,600 | 4,817 |
| Average total loans | $13,339,200 | 4,837 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3003% | 4,468 |
| Cost of funding earning assets | 0.3388% | 4,107 |
| Net interest margin | 2.9615% | 4,069 |
| Noninterest income to average assets | 0.1162% | 4,696 |
| Noninterest expense to average assets | 1.8233% | 4,454 |
| Loan and lease loss provision to assets | 0.0300% | 3,957 |
| Net operating income to assets | 0.8680% | 2,834 |
| Return on assets (ROA) | 0.8680% | 2,969 |
| Pretax return on assets | 1.0896% | 2,783 |
| Return on Equity (ROE) | 7.3691% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.3691% | 1,554 |
| Net charge-offs to loans | -0.0294% | 4,525 |
| Credit loss provision to net charge-offs | -266.6667% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9753% | 3,084 |
| Assets per employee ($millions) | 5.1990% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0636% | 125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.0811% | 4,681 |
| Net loans and leases to deposits | 41.1243% | 4,713 |
| Net loans and leases to core deposits | 41.1243% | 4,768 |
| Total domestic deposits to total assets | 87.7367% | 1,325 |
| Equity capital to assets | 12.2441% | 1,553 |
| Core capital (leverage) ratio | 11.8732% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,710,000 | 4,835 |
| Average earning assets | $35,026,250 | 4,806 |
| Average equity | $4,324,250 | 4,844 |
| Average total loans | $13,595,000 | 4,863 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3674% | 4,575 |
| Cost of funding earning assets | 0.3761% | 4,147 |
| Net interest margin | 2.9913% | 4,141 |
| Noninterest income to average assets | 0.1195% | 4,702 |
| Noninterest expense to average assets | 1.9068% | 4,406 |
| Loan and lease loss provision to assets | 0.0435% | 3,744 |
| Net operating income to assets | 0.7986% | 3,051 |
| Return on assets (ROA) | 0.7986% | 3,162 |
| Pretax return on assets | 1.0213% | 2,964 |
| Return on Equity (ROE) | 6.8686% | 3,182 |
| Retained earnings to average equity (ytd only) | 6.8686% | 1,710 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1682% | 2,801 |
| Assets per employee ($millions) | 5.3034% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0135% | 135 |
| Loan loss allowance to noncurrent loans | 137.3333% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 1,538 |
| Noncurrent loans to loans | 2.1943% | 580 |
| Net loans and leases to total assets | 35.7181% | 4,735 |
| Net loans and leases to deposits | 40.4848% | 4,786 |
| Net loans and leases to core deposits | 40.4848% | 4,820 |
| Total domestic deposits to total assets | 88.2259% | 1,073 |
| Equity capital to assets | 11.7552% | 1,801 |
| Core capital (leverage) ratio | 11.5649% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,815,667 | 4,853 |
| Average earning assets | $35,101,333 | 4,830 |
| Average equity | $4,280,333 | 4,876 |
| Average total loans | $13,611,333 | 4,893 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 4,711 |
| Cost of funding earning assets | 0.4832% | 4,016 |
| Net interest margin | 2.9454% | 4,361 |
| Noninterest income to average assets | 0.1200% | 4,756 |
| Noninterest expense to average assets | 2.2912% | 3,790 |
| Loan and lease loss provision to assets | 0.0873% | 2,599 |
| Net operating income to assets | 0.4692% | 3,973 |
| Return on assets (ROA) | 0.4692% | 4,028 |
| Pretax return on assets | 0.5346% | 4,062 |
| Return on Equity (ROE) | 4.0580% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.0580% | 2,659 |
| Net charge-offs to loans | 0.0589% | 1,420 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,210 |
| Efficiency ratio | 78.6517% | 1,267 |
| Assets per employee ($millions) | 6.2050% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0501% | 144 |
| Loan loss allowance to noncurrent loans | 133.9869% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 1,642 |
| Noncurrent loans to loans | 2.2764% | 556 |
| Net loans and leases to total assets | 35.0040% | 4,813 |
| Net loans and leases to deposits | 39.5424% | 4,844 |
| Net loans and leases to core deposits | 39.5424% | 4,880 |
| Total domestic deposits to total assets | 88.5227% | 874 |
| Equity capital to assets | 11.4424% | 2,492 |
| Core capital (leverage) ratio | 11.2318% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7888% | 217 |
| Memoranda: | ||
| Average total assets | $36,661,500 | 4,897 |
| Average earning assets | $34,766,000 | 4,870 |
| Average equity | $4,238,500 | 4,919 |
| Average total loans | $13,581,000 | 4,933 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 4,803 |
| Cost of funding earning assets | 0.5081% | 4,054 |
| Net interest margin | 3.0669% | 4,421 |
| Noninterest income to average assets | 0.1613% | 4,687 |
| Noninterest expense to average assets | 1.9822% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8914% | 3,242 |
| Return on assets (ROA) | 0.8914% | 3,331 |
| Pretax return on assets | 1.1172% | 3,116 |
| Return on Equity (ROE) | 7.3218% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.9133% | 2,468 |
| Net charge-offs to loans | -0.0226% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9546% | 3,078 |
| Assets per employee ($millions) | 5.1561% | 2,389 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9446% | 134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 36.8936% | 4,820 |
| Net loans and leases to deposits | 41.9230% | 4,869 |
| Net loans and leases to core deposits | 41.9230% | 4,907 |
| Total domestic deposits to total assets | 88.0032% | 1,125 |
| Equity capital to assets | 11.6837% | 2,365 |
| Core capital (leverage) ratio | 11.9519% | 1,808 |
| Tier 1 risk-based capital ratio | 32.9814% | 384 |
| Total risk-based capital ratio | 34.2484% | 379 |
| Memoranda: | ||
| Average total assets | $34,103,000 | 4,975 |
| Average earning assets | $32,671,600 | 4,953 |
| Average equity | $4,152,000 | 4,974 |
| Average total loans | $13,246,600 | 4,999 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 4,915 |
| Cost of funding earning assets | 0.5021% | 4,134 |
| Net interest margin | 3.0580% | 4,545 |
| Noninterest income to average assets | 0.1468% | 4,813 |
| Noninterest expense to average assets | 1.8370% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9800% | 3,053 |
| Return on assets (ROA) | 0.9800% | 3,130 |
| Pretax return on assets | 1.2577% | 2,788 |
| Return on Equity (ROE) | 7.9630% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.9630% | 1,414 |
| Net charge-offs to loans | -0.1015% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3590% | 3,755 |
| Assets per employee ($millions) | 4.7819% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0435% | 128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 39.1151% | 4,844 |
| Net loans and leases to deposits | 44.8575% | 4,892 |
| Net loans and leases to core deposits | 44.8575% | 4,938 |
| Total domestic deposits to total assets | 87.1986% | 1,425 |
| Equity capital to assets | 12.7267% | 1,771 |
| Core capital (leverage) ratio | 12.6409% | 1,512 |
| Tier 1 risk-based capital ratio | 34.8866% | 348 |
| Total risk-based capital ratio | 36.1559% | 343 |
| Memoranda: | ||
| Average total assets | $33,605,500 | 5,056 |
| Average earning assets | $32,394,750 | 5,031 |
| Average equity | $4,135,750 | 5,047 |
| Average total loans | $13,128,250 | 5,080 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4998% | 5,010 |
| Cost of funding earning assets | 0.4921% | 4,151 |
| Net interest margin | 3.0078% | 4,669 |
| Noninterest income to average assets | 0.1545% | 4,805 |
| Noninterest expense to average assets | 1.7771% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9866% | 2,969 |
| Return on assets (ROA) | 0.9866% | 3,042 |
| Pretax return on assets | 1.2838% | 2,622 |
| Return on Equity (ROE) | 8.1088% | 3,245 |
| Retained earnings to average equity (ytd only) | 8.1088% | 1,345 |
| Net charge-offs to loans | -0.0769% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0583% | 4,001 |
| Assets per employee ($millions) | 4.7223% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1581% | 116 |
| Loan loss allowance to noncurrent loans | 20,300.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,781 |
| Noncurrent loans to loans | 0.0156% | 4,646 |
| Net loans and leases to total assets | 37.6634% | 4,925 |
| Net loans and leases to deposits | 43.1423% | 4,969 |
| Net loans and leases to core deposits | 43.1423% | 5,014 |
| Total domestic deposits to total assets | 87.3003% | 1,441 |
| Equity capital to assets | 12.6422% | 1,780 |
| Core capital (leverage) ratio | 12.2097% | 1,696 |
| Tier 1 risk-based capital ratio | 35.5085% | 324 |
| Total risk-based capital ratio | 36.7831% | 320 |
| Memoranda: | ||
| Average total assets | $33,649,670 | 5,098 |
| Average earning assets | $32,516,000 | 5,070 |
| Average equity | $4,094,330 | 5,090 |
| Average total loans | $13,003,000 | 5,130 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 5,094 |
| Cost of funding earning assets | 0.4999% | 4,060 |
| Net interest margin | 2.9260% | 4,856 |
| Noninterest income to average assets | 0.1414% | 4,885 |
| Noninterest expense to average assets | 1.7911% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9191% | 3,164 |
| Return on assets (ROA) | 0.9191% | 3,200 |
| Pretax return on assets | 1.1783% | 2,882 |
| Return on Equity (ROE) | 7.6999% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.6999% | 1,771 |
| Net charge-offs to loans | -0.0918% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3175% | 3,763 |
| Assets per employee ($millions) | 4.8996% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1110% | 120 |
| Loan loss allowance to noncurrent loans | 1,010.0000% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,228 |
| Noncurrent loans to loans | 0.3080% | 3,464 |
| Net loans and leases to total assets | 36.6854% | 4,996 |
| Net loans and leases to deposits | 41.6871% | 5,046 |
| Net loans and leases to core deposits | 41.6871% | 5,085 |
| Total domestic deposits to total assets | 88.0019% | 1,339 |
| Equity capital to assets | 11.9282% | 2,071 |
| Core capital (leverage) ratio | 11.9480% | 1,808 |
| Tier 1 risk-based capital ratio | 34.2372% | 347 |
| Total risk-based capital ratio | 35.5092% | 339 |
| Memoranda: | ||
| Average total assets | $33,946,500 | 5,147 |
| Average earning assets | $32,809,000 | 5,119 |
| Average equity | $4,052,000 | 5,143 |
| Average total loans | $13,076,500 | 5,186 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 5,076 |
| Cost of funding earning assets | 0.3695% | 4,162 |
| Net interest margin | 2.9406% | 4,863 |
| Noninterest income to average assets | 0.1748% | 4,850 |
| Noninterest expense to average assets | 2.0799% | 4,608 |
| Loan and lease loss provision to assets | 0.0573% | 3,020 |
| Net operating income to assets | 0.6752% | 4,220 |
| Return on assets (ROA) | 0.6752% | 4,226 |
| Pretax return on assets | 0.8681% | 3,980 |
| Return on Equity (ROE) | 5.6022% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.1012% | 3,840 |
| Net charge-offs to loans | -0.1706% | 5,245 |
| Credit loss provision to net charge-offs | -86.3636% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2076% | 2,343 |
| Assets per employee ($millions) | 4.7994% | 2,748 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0455% | 127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.9986% | 5,016 |
| Net loans and leases to deposits | 43.3716% | 5,043 |
| Net loans and leases to core deposits | 43.3716% | 5,091 |
| Total domestic deposits to total assets | 87.6116% | 1,481 |
| Equity capital to assets | 11.9449% | 1,939 |
| Core capital (leverage) ratio | 11.9820% | 1,742 |
| Tier 1 risk-based capital ratio | 32.6685% | 379 |
| Total risk-based capital ratio | 33.9385% | 374 |
| Memoranda: | ||
| Average total assets | $33,174,800 | 5,203 |
| Average earning assets | $31,931,800 | 5,168 |
| Average equity | $3,998,400 | 5,178 |
| Average total loans | $12,898,400 | 5,237 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 5,157 |
| Cost of funding earning assets | 0.3479% | 4,194 |
| Net interest margin | 2.9135% | 4,956 |
| Noninterest income to average assets | 0.1532% | 5,012 |
| Noninterest expense to average assets | 1.9030% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8507% | 3,740 |
| Return on assets (ROA) | 0.8507% | 3,746 |
| Pretax return on assets | 1.0523% | 3,571 |
| Return on Equity (ROE) | 7.0425% | 3,920 |
| Retained earnings to average equity (ytd only) | 7.0425% | 2,103 |
| Net charge-offs to loans | -0.2182% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3929% | 3,118 |
| Assets per employee ($millions) | 4.6380% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9701% | 145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.3386% | 5,073 |
| Net loans and leases to deposits | 43.9466% | 5,112 |
| Net loans and leases to core deposits | 43.9466% | 5,166 |
| Total domestic deposits to total assets | 87.2390% | 1,627 |
| Equity capital to assets | 12.6286% | 1,505 |
| Core capital (leverage) ratio | 12.3621% | 1,573 |
| Tier 1 risk-based capital ratio | 34.7428% | 328 |
| Total risk-based capital ratio | 36.0139% | 324 |
| Memoranda: | ||
| Average total assets | $33,069,500 | 5,272 |
| Average earning assets | $31,805,000 | 5,238 |
| Average equity | $3,994,750 | 5,243 |
| Average total loans | $12,831,250 | 5,304 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 5,227 |
| Cost of funding earning assets | 0.3383% | 4,146 |
| Net interest margin | 2.8628% | 5,063 |
| Noninterest income to average assets | 0.1503% | 5,072 |
| Noninterest expense to average assets | 1.8034% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8837% | 3,533 |
| Return on assets (ROA) | 0.8837% | 3,534 |
| Pretax return on assets | 1.0941% | 3,345 |
| Return on Equity (ROE) | 7.4249% | 3,756 |
| Retained earnings to average equity (ytd only) | 7.4249% | 1,873 |
| Net charge-offs to loans | -0.4364% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2407% | 3,593 |
| Assets per employee ($millions) | 4.7166% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9819% | 143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.2360% | 5,116 |
| Net loans and leases to deposits | 43.6002% | 5,153 |
| Net loans and leases to core deposits | 43.6002% | 5,203 |
| Total domestic deposits to total assets | 87.6969% | 1,543 |
| Equity capital to assets | 12.2244% | 1,710 |
| Core capital (leverage) ratio | 12.0575% | 1,673 |
| Tier 1 risk-based capital ratio | 34.8201% | 333 |
| Total risk-based capital ratio | 36.0883% | 332 |
| Memoranda: | ||
| Average total assets | $33,270,670 | 5,335 |
| Average earning assets | $31,927,330 | 5,300 |
| Average equity | $3,959,670 | 5,306 |
| Average total loans | $12,832,330 | 5,364 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1967% | 5,236 |
| Cost of funding earning assets | 0.3259% | 4,160 |
| Net interest margin | 2.8708% | 5,072 |
| Noninterest income to average assets | 0.1677% | 5,018 |
| Noninterest expense to average assets | 1.9522% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7785% | 3,798 |
| Return on assets (ROA) | 0.7785% | 3,798 |
| Pretax return on assets | 0.9581% | 3,673 |
| Return on Equity (ROE) | 6.6301% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.6301% | 2,441 |
| Net charge-offs to loans | -0.8476% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0782% | 2,991 |
| Assets per employee ($millions) | 4.7799% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0842% | 143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.3460% | 5,196 |
| Net loans and leases to deposits | 41.2237% | 5,241 |
| Net loans and leases to core deposits | 41.2237% | 5,281 |
| Total domestic deposits to total assets | 88.1676% | 1,528 |
| Equity capital to assets | 11.8174% | 1,904 |
| Core capital (leverage) ratio | 11.6906% | 1,861 |
| Tier 1 risk-based capital ratio | 34.0100% | 348 |
| Total risk-based capital ratio | 35.2830% | 343 |
| Memoranda: | ||
| Average total assets | $33,398,000 | 5,388 |
| Average earning assets | $31,907,500 | 5,353 |
| Average equity | $3,921,500 | 5,368 |
| Average total loans | $12,742,500 | 5,428 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 5,374 |
| Cost of funding earning assets | 0.2641% | 4,448 |
| Net interest margin | 2.7172% | 5,261 |
| Noninterest income to average assets | 0.2444% | 4,671 |
| Noninterest expense to average assets | 2.0347% | 4,903 |
| Loan and lease loss provision to assets | 0.4766% | 280 |
| Net operating income to assets | 0.3208% | 4,892 |
| Return on assets (ROA) | 0.3208% | 4,908 |
| Pretax return on assets | 0.3422% | 5,166 |
| Return on Equity (ROE) | 2.6754% | 4,914 |
| Retained earnings to average equity (ytd only) | 0.8918% | 4,673 |
| Net charge-offs to loans | 1.3831% | 117 |
| Credit loss provision to net charge-offs | 87.6404% | 2,826 |
| Earnings coverage of net charge-offs (x) | 1.5056% | 3,880 |
| Efficiency ratio | 71.3062% | 2,334 |
| Assets per employee ($millions) | 4.7624% | 2,782 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 37.7269% | 5,231 |
| Net loans and leases to deposits | 42.8153% | 5,270 |
| Net loans and leases to core deposits | 42.8153% | 5,322 |
| Total domestic deposits to total assets | 88.1153% | 1,432 |
| Equity capital to assets | 11.6657% | 2,062 |
| Core capital (leverage) ratio | 11.6096% | 1,862 |
| Tier 1 risk-based capital ratio | 30.7991% | 431 |
| Total risk-based capital ratio | 32.0662% | 424 |
| Memoranda: | ||
| Average total assets | $32,731,600 | 5,454 |
| Average earning assets | $31,429,000 | 5,416 |
| Average equity | $3,924,600 | 5,434 |
| Average total loans | $12,870,000 | 5,489 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9191% | 5,469 |
| Cost of funding earning assets | 0.2546% | 4,524 |
| Net interest margin | 2.6645% | 5,361 |
| Noninterest income to average assets | 0.2374% | 4,785 |
| Noninterest expense to average assets | 1.8702% | 5,174 |
| Loan and lease loss provision to assets | 0.0205% | 3,737 |
| Net operating income to assets | 0.7366% | 3,785 |
| Return on assets (ROA) | 0.7366% | 3,862 |
| Pretax return on assets | 0.9167% | 3,985 |
| Return on Equity (ROE) | 6.1012% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.1012% | 2,172 |
| Net charge-offs to loans | 0.0519% | 2,402 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 45.7766% | 1,186 |
| Efficiency ratio | 66.6181% | 3,101 |
| Assets per employee ($millions) | 4.5569% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 163 |
| Loan loss allowance to noncurrent loans | 157.2016% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 2,229 |
| Noncurrent loans to loans | 1.8687% | 932 |
| Net loans and leases to total assets | 39.5699% | 5,211 |
| Net loans and leases to deposits | 45.3051% | 5,278 |
| Net loans and leases to core deposits | 45.3051% | 5,334 |
| Total domestic deposits to total assets | 87.3409% | 1,704 |
| Equity capital to assets | 12.6497% | 1,578 |
| Core capital (leverage) ratio | 12.1690% | 1,586 |
| Tier 1 risk-based capital ratio | 32.1950% | 412 |
| Total risk-based capital ratio | 33.4637% | 401 |
| Memoranda: | ||
| Average total assets | $32,580,250 | 5,515 |
| Average earning assets | $31,424,500 | 5,476 |
| Average equity | $3,933,500 | 5,490 |
| Average total loans | $12,853,250 | 5,550 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8498% | 5,532 |
| Cost of funding earning assets | 0.2533% | 4,514 |
| Net interest margin | 2.5964% | 5,441 |
| Noninterest income to average assets | 0.2804% | 4,549 |
| Noninterest expense to average assets | 1.9751% | 5,026 |
| Loan and lease loss provision to assets | 0.0305% | 3,392 |
| Net operating income to assets | 0.6218% | 4,202 |
| Return on assets (ROA) | 0.6218% | 4,248 |
| Pretax return on assets | 0.7742% | 4,358 |
| Return on Equity (ROE) | 5.2312% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.2312% | 2,562 |
| Net charge-offs to loans | 0.0312% | 2,575 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 877 |
| Efficiency ratio | 71.0526% | 2,503 |
| Assets per employee ($millions) | 4.8064% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1488% | 138 |
| Loan loss allowance to noncurrent loans | 154.6185% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 2,347 |
| Noncurrent loans to loans | 2.0365% | 820 |
| Net loans and leases to total assets | 35.1969% | 5,411 |
| Net loans and leases to deposits | 39.8949% | 5,458 |
| Net loans and leases to core deposits | 39.8949% | 5,504 |
| Total domestic deposits to total assets | 88.2241% | 1,344 |
| Equity capital to assets | 11.7581% | 2,107 |
| Core capital (leverage) ratio | 12.0787% | 1,587 |
| Tier 1 risk-based capital ratio | 31.7700% | 413 |
| Total risk-based capital ratio | 33.0389% | 403 |
| Memoranda: | ||
| Average total assets | $32,807,670 | 5,562 |
| Average earning assets | $31,581,670 | 5,522 |
| Average equity | $3,899,670 | 5,537 |
| Average total loans | $12,803,000 | 5,597 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6719% | 5,658 |
| Cost of funding earning assets | 0.2569% | 4,479 |
| Net interest margin | 2.4150% | 5,610 |
| Noninterest income to average assets | 0.4322% | 3,429 |
| Noninterest expense to average assets | 2.2724% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4322% | 4,852 |
| Return on assets (ROA) | 0.4322% | 4,871 |
| Pretax return on assets | 0.4816% | 5,002 |
| Return on Equity (ROE) | 3.6162% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,629 |
| Net charge-offs to loans | -0.0306% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5112% | 1,111 |
| Assets per employee ($millions) | 4.5781% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0394% | 165 |
| Loan loss allowance to noncurrent loans | 79.4606% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 1,063 |
| Noncurrent loans to loans | 3.8251% | 284 |
| Net loans and leases to total assets | 38.1253% | 5,316 |
| Net loans and leases to deposits | 43.4387% | 5,376 |
| Net loans and leases to core deposits | 43.4387% | 5,428 |
| Total domestic deposits to total assets | 87.7680% | 1,848 |
| Equity capital to assets | 12.1353% | 1,749 |
| Core capital (leverage) ratio | 11.7656% | 1,779 |
| Tier 1 risk-based capital ratio | 31.3680% | 434 |
| Total risk-based capital ratio | 32.6343% | 429 |
| Memoranda: | ||
| Average total assets | $32,389,000 | 5,632 |
| Average earning assets | $31,139,000 | 5,594 |
| Average equity | $3,871,500 | 5,597 |
| Average total loans | $13,091,000 | 5,655 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0310% | 5,476 |
| Cost of funding earning assets | 0.2253% | 4,781 |
| Net interest margin | 2.8057% | 5,275 |
| Noninterest income to average assets | 0.1981% | 5,223 |
| Noninterest expense to average assets | 2.0300% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5883% | 4,261 |
| Return on assets (ROA) | 0.5883% | 4,369 |
| Pretax return on assets | 0.8626% | 3,966 |
| Return on Equity (ROE) | 5.0484% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.2174% | 3,625 |
| Net charge-offs to loans | -0.0144% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1791% | 2,872 |
| Assets per employee ($millions) | 4.6759% | 2,834 |
| Cash dividends to net income (ytd only)* | 36.2694% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8128% | 218 |
| 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 | 40.3257% | 5,300 |
| Net loans and leases to deposits | 45.9351% | 5,368 |
| Net loans and leases to core deposits | 45.9351% | 5,433 |
| Total domestic deposits to total assets | 87.7883% | 1,752 |
| Equity capital to assets | 11.7748% | 1,953 |
| Core capital (leverage) ratio | 11.5124% | 1,919 |
| Tier 1 risk-based capital ratio | 29.2235% | 509 |
| Total risk-based capital ratio | 30.4898% | 498 |
| Memoranda: | ||
| Average total assets | $32,807,400 | 5,679 |
| Average earning assets | $31,507,600 | 5,637 |
| Average equity | $3,823,000 | 5,663 |
| Average total loans | $13,915,200 | 5,690 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0177% | 5,552 |
| Cost of funding earning assets | 0.2240% | 4,845 |
| Net interest margin | 2.7937% | 5,369 |
| Noninterest income to average assets | 0.1665% | 5,432 |
| Noninterest expense to average assets | 1.9090% | 5,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7595% | 3,568 |
| Return on assets (ROA) | 0.7595% | 3,696 |
| Pretax return on assets | 0.9423% | 3,839 |
| Return on Equity (ROE) | 6.5351% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.5351% | 1,889 |
| Net charge-offs to loans | -0.0191% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9516% | 3,435 |
| Assets per employee ($millions) | 4.6783% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7454% | 249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 41.3216% | 5,321 |
| Net loans and leases to deposits | 46.9812% | 5,412 |
| Net loans and leases to core deposits | 46.9812% | 5,480 |
| Total domestic deposits to total assets | 87.9535% | 1,425 |
| Equity capital to assets | 11.9641% | 2,148 |
| Core capital (leverage) ratio | 11.8523% | 1,784 |
| Tier 1 risk-based capital ratio | 28.5714% | 550 |
| Total risk-based capital ratio | 29.8403% | 535 |
| Memoranda: | ||
| Average total assets | $32,826,500 | 5,739 |
| Average earning assets | $31,546,500 | 5,696 |
| Average equity | $3,815,250 | 5,724 |
| Average total loans | $13,998,750 | 5,747 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0089% | 5,636 |
| Cost of funding earning assets | 0.2217% | 4,921 |
| Net interest margin | 2.7872% | 5,443 |
| Noninterest income to average assets | 0.1583% | 5,524 |
| Noninterest expense to average assets | 2.0090% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6940% | 3,822 |
| Return on assets (ROA) | 0.6940% | 3,971 |
| Pretax return on assets | 0.8279% | 4,195 |
| Return on Equity (ROE) | 6.0302% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.0302% | 2,100 |
| Net charge-offs to loans | -0.0143% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8155% | 2,857 |
| Assets per employee ($millions) | 4.0396% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7945% | 254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 41.0094% | 5,377 |
| Net loans and leases to deposits | 46.5737% | 5,480 |
| Net loans and leases to core deposits | 46.5737% | 5,546 |
| Total domestic deposits to total assets | 88.0527% | 1,409 |
| Equity capital to assets | 11.8978% | 2,197 |
| Core capital (leverage) ratio | 11.5462% | 1,953 |
| Tier 1 risk-based capital ratio | 29.1774% | 531 |
| Total risk-based capital ratio | 30.4447% | 526 |
| Memoranda: | ||
| Average total assets | $32,852,670 | 5,803 |
| Average earning assets | $31,573,000 | 5,764 |
| Average equity | $3,781,000 | 5,797 |
| Average total loans | $14,027,000 | 5,812 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9755% | 5,708 |
| Cost of funding earning assets | 0.2134% | 5,068 |
| Net interest margin | 2.7621% | 5,527 |
| Noninterest income to average assets | 0.1449% | 5,619 |
| Noninterest expense to average assets | 2.2826% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4348% | 4,880 |
| Return on assets (ROA) | 0.4348% | 4,962 |
| Pretax return on assets | 0.5193% | 5,033 |
| Return on Equity (ROE) | 3.8410% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.8410% | 3,575 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4655% | 1,421 |
| Assets per employee ($millions) | 4.1323% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7443% | 297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 40.7375% | 5,417 |
| Net loans and leases to deposits | 46.0049% | 5,503 |
| Net loans and leases to core deposits | 46.0049% | 5,587 |
| Total domestic deposits to total assets | 88.5504% | 1,333 |
| Equity capital to assets | 11.3951% | 2,541 |
| Core capital (leverage) ratio | 11.1236% | 2,289 |
| Tier 1 risk-based capital ratio | 29.1406% | 543 |
| Total risk-based capital ratio | 30.4092% | 534 |
| Memoranda: | ||
| Average total assets | $33,120,500 | 5,858 |
| Average earning assets | $31,860,000 | 5,812 |
| Average equity | $3,749,000 | 5,849 |
| Average total loans | $14,223,500 | 5,865 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 5,750 |
| Cost of funding earning assets | 0.2441% | 4,845 |
| Net interest margin | 2.7264% | 5,621 |
| Noninterest income to average assets | 0.2106% | 5,334 |
| Noninterest expense to average assets | 2.1697% | 5,116 |
| Loan and lease loss provision to assets | 0.0702% | 2,880 |
| Net operating income to assets | 0.4883% | 4,741 |
| Return on assets (ROA) | 0.4883% | 4,829 |
| Pretax return on assets | 0.5951% | 4,852 |
| Return on Equity (ROE) | 4.3773% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.3773% | 2,860 |
| Net charge-offs to loans | 0.1542% | 1,829 |
| Credit loss provision to net charge-offs | 104.5455% | 2,403 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 2,759 |
| Efficiency ratio | 76.5339% | 2,188 |
| Assets per employee ($millions) | 3.6870% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6027% | 352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.8533% | 5,357 |
| Net loans and leases to deposits | 48.2983% | 5,474 |
| Net loans and leases to core deposits | 48.2983% | 5,555 |
| Total domestic deposits to total assets | 88.7262% | 1,271 |
| Equity capital to assets | 11.2437% | 2,596 |
| Core capital (leverage) ratio | 11.2866% | 2,133 |
| Tier 1 risk-based capital ratio | 27.1365% | 655 |
| Total risk-based capital ratio | 28.4021% | 641 |
| Memoranda: | ||
| Average total assets | $32,770,000 | 5,914 |
| Average earning assets | $31,543,800 | 5,866 |
| Average equity | $3,655,200 | 5,907 |
| Average total loans | $14,267,800 | 5,915 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9603% | 5,843 |
| Cost of funding earning assets | 0.2463% | 4,919 |
| Net interest margin | 2.7140% | 5,708 |
| Noninterest income to average assets | 0.1959% | 5,476 |
| Noninterest expense to average assets | 2.0203% | 5,441 |
| Loan and lease loss provision to assets | 0.0327% | 3,577 |
| Net operating income to assets | 0.5878% | 4,444 |
| Return on assets (ROA) | 0.5878% | 4,539 |
| Pretax return on assets | 0.7510% | 4,489 |
| Return on Equity (ROE) | 5.2802% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.2802% | 2,737 |
| Net charge-offs to loans | 0.0658% | 2,636 |
| Credit loss provision to net charge-offs | 114.2857% | 2,063 |
| Earnings coverage of net charge-offs (x) | 27.4373% | 1,584 |
| Efficiency ratio | 72.0524% | 2,871 |
| Assets per employee ($millions) | 3.1620% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5997% | 379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 45.0253% | 5,290 |
| Net loans and leases to deposits | 51.0799% | 5,414 |
| Net loans and leases to core deposits | 51.0799% | 5,541 |
| Total domestic deposits to total assets | 88.1467% | 1,479 |
| Equity capital to assets | 11.7489% | 2,305 |
| Core capital (leverage) ratio | 11.2334% | 2,261 |
| Tier 1 risk-based capital ratio | 26.7093% | 714 |
| Total risk-based capital ratio | 27.9747% | 692 |
| Memoranda: | ||
| Average total assets | $32,666,750 | 5,997 |
| Average earning assets | $31,392,500 | 5,946 |
| Average equity | $3,636,250 | 5,989 |
| Average total loans | $14,184,750 | 5,996 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8819% | 5,961 |
| Cost of funding earning assets | 0.2459% | 4,985 |
| Net interest margin | 2.6360% | 5,841 |
| Noninterest income to average assets | 0.1999% | 5,484 |
| Noninterest expense to average assets | 2.0172% | 5,494 |
| Loan and lease loss provision to assets | 0.0485% | 3,150 |
| Net operating income to assets | 0.5149% | 4,702 |
| Return on assets (ROA) | 0.5149% | 4,810 |
| Pretax return on assets | 0.6664% | 4,771 |
| Return on Equity (ROE) | 4.7091% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.7091% | 3,049 |
| Net charge-offs to loans | 0.0997% | 2,014 |
| Credit loss provision to net charge-offs | 114.2857% | 1,874 |
| Earnings coverage of net charge-offs (x) | 16.8571% | 1,884 |
| Efficiency ratio | 73.8359% | 2,695 |
| Assets per employee ($millions) | 3.3256% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 41.1294% | 5,566 |
| Net loans and leases to deposits | 46.2673% | 5,663 |
| Net loans and leases to core deposits | 46.2673% | 5,754 |
| Total domestic deposits to total assets | 88.8952% | 1,189 |
| Equity capital to assets | 10.9935% | 2,887 |
| Core capital (leverage) ratio | 10.7872% | 2,629 |
| Tier 1 risk-based capital ratio | 27.6070% | 673 |
| Total risk-based capital ratio | 28.8756% | 657 |
| Memoranda: | ||
| Average total assets | $33,015,670 | 6,061 |
| Average earning assets | $31,715,000 | 6,006 |
| Average equity | $3,610,000 | 6,053 |
| Average total loans | $14,040,670 | 6,061 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8652% | 6,017 |
| Cost of funding earning assets | 0.2524% | 4,994 |
| Net interest margin | 2.6128% | 5,906 |
| Noninterest income to average assets | 0.1459% | 5,867 |
| Noninterest expense to average assets | 2.2131% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3891% | 5,110 |
| Return on assets (ROA) | 0.3891% | 5,228 |
| Pretax return on assets | 0.4499% | 5,320 |
| Return on Equity (ROE) | 3.5684% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,861 |
| Net charge-offs to loans | -0.0570% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1050% | 1,477 |
| Assets per employee ($millions) | 3.7402% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7533% | 384 |
| Loan loss allowance to noncurrent loans | 2,540.0000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 5,760 |
| Noncurrent loans to loans | 0.1084% | 5,373 |
| Net loans and leases to total assets | 39.9768% | 5,600 |
| Net loans and leases to deposits | 44.8059% | 5,720 |
| Net loans and leases to core deposits | 44.8059% | 5,806 |
| Total domestic deposits to total assets | 89.2223% | 1,129 |
| Equity capital to assets | 10.7035% | 3,316 |
| Core capital (leverage) ratio | 10.6258% | 2,822 |
| Tier 1 risk-based capital ratio | 26.6909% | 738 |
| Total risk-based capital ratio | 27.9576% | 720 |
| Memoranda: | ||
| Average total assets | $32,895,500 | 6,127 |
| Average earning assets | $31,690,500 | 6,070 |
| Average equity | $3,587,000 | 6,112 |
| Average total loans | $14,032,000 | 6,112 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8388% | 6,182 |
| Cost of funding earning assets | 0.2633% | 5,182 |
| Net interest margin | 2.5755% | 6,096 |
| Noninterest income to average assets | 0.2507% | 5,333 |
| Noninterest expense to average assets | 2.1521% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4219% | 5,143 |
| Return on assets (ROA) | 0.4219% | 5,220 |
| Pretax return on assets | 0.5503% | 5,102 |
| Return on Equity (ROE) | 3.9363% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.9363% | 3,413 |
| Net charge-offs to loans | 0.0737% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,871 |
| Efficiency ratio | 79.6380% | 1,986 |
| Assets per employee ($millions) | 4.0161% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6641% | 446 |
| Loan loss allowance to noncurrent loans | 9,475.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,014 |
| Noncurrent loans to loans | 0.0281% | 5,775 |
| Net loans and leases to total assets | 43.0981% | 5,531 |
| Net loans and leases to deposits | 48.5400% | 5,655 |
| Net loans and leases to core deposits | 48.5400% | 5,786 |
| Total domestic deposits to total assets | 88.7889% | 1,364 |
| Equity capital to assets | 11.1146% | 2,790 |
| Core capital (leverage) ratio | 10.7885% | 2,627 |
| Tier 1 risk-based capital ratio | 26.8557% | 694 |
| Total risk-based capital ratio | 28.1266% | 675 |
| Memoranda: | ||
| Average total assets | $32,712,200 | 6,201 |
| Average earning assets | $31,139,600 | 6,161 |
| Average equity | $3,505,800 | 6,181 |
| Average total loans | $13,570,200 | 6,210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7867% | 6,288 |
| Cost of funding earning assets | 0.2650% | 5,257 |
| Net interest margin | 2.5217% | 6,208 |
| Noninterest income to average assets | 0.2516% | 5,416 |
| Noninterest expense to average assets | 1.9721% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5884% | 4,491 |
| Return on assets (ROA) | 0.5884% | 4,581 |
| Pretax return on assets | 0.6736% | 4,790 |
| Return on Equity (ROE) | 5.5403% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.5403% | 2,715 |
| Net charge-offs to loans | 0.1094% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.0873% | 2,080 |
| Efficiency ratio | 74.5399% | 2,732 |
| Assets per employee ($millions) | 4.0478% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7909% | 441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 40.6584% | 5,776 |
| Net loans and leases to deposits | 45.7407% | 5,882 |
| Net loans and leases to core deposits | 45.7407% | 5,964 |
| Total domestic deposits to total assets | 88.8889% | 1,306 |
| Equity capital to assets | 11.0493% | 2,900 |
| Core capital (leverage) ratio | 10.9768% | 2,515 |
| Tier 1 risk-based capital ratio | 28.5304% | 608 |
| Total risk-based capital ratio | 29.7983% | 592 |
| Memoranda: | ||
| Average total assets | $32,858,000 | 6,276 |
| Average earning assets | $31,195,500 | 6,236 |
| Average equity | $3,489,500 | 6,252 |
| Average total loans | $13,406,250 | 6,287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7330% | 6,378 |
| Cost of funding earning assets | 0.2694% | 5,289 |
| Net interest margin | 2.4635% | 6,309 |
| Noninterest income to average assets | 0.1514% | 6,049 |
| Noninterest expense to average assets | 2.0232% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4059% | 5,201 |
| Return on assets (ROA) | 0.4059% | 5,282 |
| Pretax return on assets | 0.4543% | 5,407 |
| Return on Equity (ROE) | 3.8728% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.8728% | 3,716 |
| Net charge-offs to loans | -0.0449% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6626% | 1,785 |
| Assets per employee ($millions) | 4.0086% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9275% | 414 |
| Loan loss allowance to noncurrent loans | 620.6349% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 5,533 |
| Noncurrent loans to loans | 0.4717% | 4,584 |
| Net loans and leases to total assets | 40.4285% | 5,785 |
| Net loans and leases to deposits | 45.3988% | 5,913 |
| Net loans and leases to core deposits | 45.3988% | 6,019 |
| Total domestic deposits to total assets | 89.0517% | 1,325 |
| Equity capital to assets | 10.9140% | 2,965 |
| Core capital (leverage) ratio | 10.5900% | 2,835 |
| Tier 1 risk-based capital ratio | 28.4229% | 617 |
| Total risk-based capital ratio | 29.6979% | 603 |
| Memoranda: | ||
| Average total assets | $33,016,670 | 6,329 |
| Average earning assets | $31,175,000 | 6,297 |
| Average equity | $3,460,000 | 6,299 |
| Average total loans | $13,360,330 | 6,341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6651% | 6,490 |
| Cost of funding earning assets | 0.2678% | 5,409 |
| Net interest margin | 2.3973% | 6,422 |
| Noninterest income to average assets | 0.1314% | 6,190 |
| Noninterest expense to average assets | 2.2215% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1553% | 5,917 |
| Return on assets (ROA) | 0.1553% | 5,954 |
| Pretax return on assets | 0.1553% | 6,001 |
| Return on Equity (ROE) | 1.5116% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.5116% | 5,005 |
| Net charge-offs to loans | -0.0599% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4673% | 783 |
| Assets per employee ($millions) | 4.1781% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0404% | 411 |
| Loan loss allowance to noncurrent loans | 710.9091% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,656 |
| Noncurrent loans to loans | 0.4277% | 4,859 |
| Net loans and leases to total assets | 37.3044% | 5,997 |
| Net loans and leases to deposits | 41.6008% | 6,097 |
| Net loans and leases to core deposits | 41.6008% | 6,172 |
| Total domestic deposits to total assets | 89.6724% | 1,260 |
| Equity capital to assets | 10.3126% | 3,451 |
| Core capital (leverage) ratio | 10.2006% | 3,292 |
| Tier 1 risk-based capital ratio | 28.3680% | 618 |
| Total risk-based capital ratio | 29.6354% | 600 |
| Memoranda: | ||
| Average total assets | $33,490,500 | 6,382 |
| Average earning assets | $31,368,500 | 6,355 |
| Average equity | $3,440,000 | 6,353 |
| Average total loans | $13,362,500 | 6,406 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0076% | 6,340 |
| Cost of funding earning assets | 0.3255% | 5,375 |
| Net interest margin | 2.6821% | 6,163 |
| Noninterest income to average assets | 0.1950% | 5,920 |
| Noninterest expense to average assets | 2.0732% | 5,887 |
| Loan and lease loss provision to assets | 0.0240% | 4,645 |
| Net operating income to assets | 0.3600% | 5,296 |
| Return on assets (ROA) | 0.3600% | 5,412 |
| Pretax return on assets | 0.5701% | 4,971 |
| Return on Equity (ROE) | 3.5600% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.5600% | 3,683 |
| Net charge-offs to loans | 0.1357% | 3,448 |
| Credit loss provision to net charge-offs | 42.1053% | 3,993 |
| Earnings coverage of net charge-offs (x) | 10.4211% | 2,368 |
| Efficiency ratio | 77.7278% | 2,503 |
| Assets per employee ($millions) | 3.7284% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8056% | 596 |
| Loan loss allowance to noncurrent loans | 707.2727% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 5,746 |
| Noncurrent loans to loans | 0.3967% | 5,018 |
| Net loans and leases to total assets | 40.1597% | 5,951 |
| Net loans and leases to deposits | 44.7470% | 6,086 |
| Net loans and leases to core deposits | 44.7470% | 6,194 |
| Total domestic deposits to total assets | 89.7485% | 1,210 |
| Equity capital to assets | 10.2307% | 3,469 |
| Core capital (leverage) ratio | 10.0225% | 3,528 |
| Tier 1 risk-based capital ratio | 25.7713% | 792 |
| Total risk-based capital ratio | 26.9424% | 783 |
| Memoranda: | ||
| Average total assets | $33,330,400 | 6,450 |
| Average earning assets | $30,722,600 | 6,435 |
| Average equity | $3,370,800 | 6,459 |
| Average total loans | $14,003,400 | 6,451 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 6,389 |
| Cost of funding earning assets | 0.3305% | 5,467 |
| Net interest margin | 2.7052% | 6,165 |
| Noninterest income to average assets | 0.2244% | 5,821 |
| Noninterest expense to average assets | 2.0356% | 5,956 |
| Loan and lease loss provision to assets | 0.0321% | 4,370 |
| Net operating income to assets | 0.3686% | 5,375 |
| Return on assets (ROA) | 0.3686% | 5,508 |
| Pretax return on assets | 0.6491% | 4,856 |
| Return on Equity (ROE) | 3.6558% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.6558% | 4,095 |
| Net charge-offs to loans | 0.1804% | 2,781 |
| Credit loss provision to net charge-offs | 42.1053% | 3,663 |
| Earnings coverage of net charge-offs (x) | 8.9483% | 2,553 |
| Efficiency ratio | 74.9263% | 2,920 |
| Assets per employee ($millions) | 4.1551% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8438% | 649 |
| Loan loss allowance to noncurrent loans | 670.6897% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 5,522 |
| Noncurrent loans to loans | 0.4240% | 5,137 |
| Net loans and leases to total assets | 39.9807% | 6,031 |
| Net loans and leases to deposits | 44.5540% | 6,183 |
| Net loans and leases to core deposits | 44.5540% | 6,274 |
| Total domestic deposits to total assets | 89.7356% | 1,148 |
| Equity capital to assets | 10.2434% | 3,584 |
| Core capital (leverage) ratio | 10.2746% | 3,280 |
| Tier 1 risk-based capital ratio | 26.3341% | 760 |
| Total risk-based capital ratio | 27.6025% | 740 |
| Memoranda: | ||
| Average total assets | $33,274,000 | 6,523 |
| Average earning assets | $30,656,250 | 6,500 |
| Average equity | $3,355,250 | 6,538 |
| Average total loans | $14,038,000 | 6,522 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0235% | 6,426 |
| Cost of funding earning assets | 0.3446% | 5,455 |
| Net interest margin | 2.6789% | 6,210 |
| Noninterest income to average assets | 0.2343% | 5,768 |
| Noninterest expense to average assets | 2.1091% | 5,851 |
| Loan and lease loss provision to assets | 0.0481% | 4,016 |
| Net operating income to assets | 0.2824% | 5,654 |
| Return on assets (ROA) | 0.2824% | 5,795 |
| Pretax return on assets | 0.5528% | 5,190 |
| Return on Equity (ROE) | 2.8155% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.8155% | 4,524 |
| Net charge-offs to loans | 0.1836% | 2,658 |
| Credit loss provision to net charge-offs | 61.5385% | 2,988 |
| Earnings coverage of net charge-offs (x) | 7.6923% | 2,510 |
| Efficiency ratio | 77.8271% | 2,487 |
| Assets per employee ($millions) | 3.5669% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8927% | 647 |
| Loan loss allowance to noncurrent loans | 481.7073% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 5,480 |
| Noncurrent loans to loans | 0.6005% | 4,754 |
| Net loans and leases to total assets | 41.3058% | 5,948 |
| Net loans and leases to deposits | 46.1442% | 6,095 |
| Net loans and leases to core deposits | 46.1442% | 6,232 |
| Total domestic deposits to total assets | 89.5147% | 1,313 |
| Equity capital to assets | 10.4666% | 3,347 |
| Core capital (leverage) ratio | 10.1287% | 3,322 |
| Tier 1 risk-based capital ratio | 26.3199% | 748 |
| Total risk-based capital ratio | 27.5889% | 729 |
| Memoranda: | ||
| Average total assets | $33,285,000 | 6,574 |
| Average earning assets | $30,759,330 | 6,545 |
| Average equity | $3,338,670 | 6,593 |
| Average total loans | $14,157,670 | 6,560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0354% | 6,473 |
| Cost of funding earning assets | 0.3429% | 5,618 |
| Net interest margin | 2.6925% | 6,225 |
| Noninterest income to average assets | 0.2598% | 5,603 |
| Noninterest expense to average assets | 2.1018% | 5,913 |
| Loan and lease loss provision to assets | 0.0945% | 3,088 |
| Net operating income to assets | 0.3542% | 5,331 |
| Return on assets (ROA) | 0.3542% | 5,471 |
| Pretax return on assets | 0.5668% | 5,061 |
| Return on Equity (ROE) | 3.6058% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.6058% | 4,082 |
| Net charge-offs to loans | -0.0555% | 6,178 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0684% | 2,911 |
| Assets per employee ($millions) | 3.7680% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9582% | 689 |
| Loan loss allowance to noncurrent loans | 719.2982% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 5,846 |
| Noncurrent loans to loans | 0.4113% | 5,385 |
| Net loans and leases to total assets | 39.6615% | 6,023 |
| Net loans and leases to deposits | 44.0392% | 6,204 |
| Net loans and leases to core deposits | 44.0392% | 6,313 |
| Total domestic deposits to total assets | 90.0596% | 1,007 |
| Equity capital to assets | 9.8579% | 4,339 |
| Core capital (leverage) ratio | 9.7350% | 3,742 |
| Tier 1 risk-based capital ratio | 25.5016% | 838 |
| Total risk-based capital ratio | 26.7755% | 824 |
| Memoranda: | ||
| Average total assets | $33,876,500 | 6,620 |
| Average earning assets | $31,495,000 | 6,586 |
| Average equity | $3,328,000 | 6,658 |
| Average total loans | $14,409,000 | 6,608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 6,375 |
| Cost of funding earning assets | 0.4378% | 5,665 |
| Net interest margin | 3.0447% | 5,939 |
| Noninterest income to average assets | 0.1724% | 6,168 |
| Noninterest expense to average assets | 2.0843% | 6,158 |
| Loan and lease loss provision to assets | 0.0940% | 4,497 |
| Net operating income to assets | 0.6613% | 3,924 |
| Return on assets (ROA) | 0.6613% | 4,190 |
| Pretax return on assets | 0.8494% | 4,109 |
| Return on Equity (ROE) | 6.2701% | 4,028 |
| Retained earnings to average equity (ytd only) | 0.3269% | 5,689 |
| Net charge-offs to loans | 0.0346% | 5,435 |
| Credit loss provision to net charge-offs | 600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 594 |
| Efficiency ratio | 68.8406% | 3,994 |
| Assets per employee ($millions) | 4.2301% | 3,489 |
| Cash dividends to net income (ytd only)* | 94.7867% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6742% | 952 |
| Loan loss allowance to noncurrent loans | 701.7544% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 5,944 |
| Noncurrent loans to loans | 0.3811% | 5,546 |
| Net loans and leases to total assets | 43.0188% | 5,899 |
| Net loans and leases to deposits | 47.7296% | 6,126 |
| Net loans and leases to core deposits | 47.7296% | 6,284 |
| Total domestic deposits to total assets | 90.1303% | 884 |
| Equity capital to assets | 9.7899% | 4,465 |
| Core capital (leverage) ratio | 9.8701% | 3,580 |
| Tier 1 risk-based capital ratio | 23.1987% | 1,080 |
| Total risk-based capital ratio | 24.4591% | 1,063 |
| Memoranda: | ||
| Average total assets | $31,905,000 | 6,709 |
| Average earning assets | $29,920,800 | 6,664 |
| Average equity | $3,365,200 | 6,717 |
| Average total loans | $14,455,800 | 6,684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 6,445 |
| Cost of funding earning assets | 0.4547% | 5,761 |
| Net interest margin | 3.0976% | 5,943 |
| Noninterest income to average assets | 0.2419% | 5,815 |
| Noninterest expense to average assets | 2.0580% | 6,248 |
| Loan and lease loss provision to assets | 0.1273% | 3,956 |
| Net operating income to assets | 0.7256% | 3,796 |
| Return on assets (ROA) | 0.7256% | 4,043 |
| Pretax return on assets | 0.9759% | 3,803 |
| Return on Equity (ROE) | 6.7488% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.7488% | 2,250 |
| Net charge-offs to loans | -0.2140% | 7,003 |
| Credit loss provision to net charge-offs | -130.4348% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1007% | 4,612 |
| Assets per employee ($millions) | 3.9886% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9704% | 740 |
| Loan loss allowance to noncurrent loans | 1,426.6667% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,047 |
| Noncurrent loans to loans | 0.2082% | 6,086 |
| Net loans and leases to total assets | 43.8152% | 5,983 |
| Net loans and leases to deposits | 49.2133% | 6,176 |
| Net loans and leases to core deposits | 49.6555% | 6,301 |
| Total domestic deposits to total assets | 89.0313% | 1,409 |
| Equity capital to assets | 10.8841% | 3,402 |
| Core capital (leverage) ratio | 10.9801% | 2,406 |
| Tier 1 risk-based capital ratio | 25.8696% | 834 |
| Total risk-based capital ratio | 27.1657% | 821 |
| Memoranda: | ||
| Average total assets | $31,421,000 | 6,804 |
| Average earning assets | $29,613,250 | 6,761 |
| Average equity | $3,378,250 | 6,800 |
| Average total loans | $14,330,250 | 6,778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 6,506 |
| Cost of funding earning assets | 0.4617% | 5,895 |
| Net interest margin | 3.1234% | 5,937 |
| Noninterest income to average assets | 0.2495% | 5,792 |
| Noninterest expense to average assets | 2.0858% | 6,255 |
| Loan and lease loss provision to assets | 0.1919% | 3,170 |
| Net operating income to assets | 0.6654% | 4,034 |
| Return on assets (ROA) | 0.6654% | 4,298 |
| Pretax return on assets | 0.9150% | 4,022 |
| Return on Equity (ROE) | 6.2151% | 4,203 |
| Retained earnings to average equity (ytd only) | 6.2151% | 2,560 |
| Net charge-offs to loans | -0.3076% | 7,073 |
| Credit loss provision to net charge-offs | -136.3636% | 6,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3307% | 4,662 |
| Assets per employee ($millions) | 3.9861% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9282% | 843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 6,377 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 44.2849% | 5,994 |
| Net loans and leases to deposits | 49.6292% | 6,203 |
| Net loans and leases to core deposits | 50.0745% | 6,339 |
| Total domestic deposits to total assets | 89.2314% | 1,369 |
| Equity capital to assets | 10.6808% | 3,477 |
| Core capital (leverage) ratio | 10.6554% | 2,655 |
| Tier 1 risk-based capital ratio | 24.9579% | 905 |
| Total risk-based capital ratio | 26.2329% | 889 |
| Memoranda: | ||
| Average total assets | $31,258,330 | 6,860 |
| Average earning assets | $29,455,330 | 6,813 |
| Average equity | $3,346,670 | 6,844 |
| Average total loans | $14,304,000 | 6,831 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 6,521 |
| Cost of funding earning assets | 0.4793% | 5,947 |
| Net interest margin | 3.1636% | 5,869 |
| Noninterest income to average assets | 0.1551% | 6,469 |
| Noninterest expense to average assets | 2.3010% | 5,765 |
| Loan and lease loss provision to assets | 0.1939% | 3,005 |
| Net operating income to assets | 0.3878% | 5,310 |
| Return on assets (ROA) | 0.3878% | 5,490 |
| Pretax return on assets | 0.6463% | 4,947 |
| Return on Equity (ROE) | 3.6177% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.6177% | 4,409 |
| Net charge-offs to loans | -0.0282% | 6,321 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2510% | 3,211 |
| Assets per employee ($millions) | 3.9525% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8599% | 950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 6,423 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.0019% | 6,193 |
| Net loans and leases to deposits | 47.0307% | 6,358 |
| Net loans and leases to core deposits | 47.4542% | 6,486 |
| Total domestic deposits to total assets | 89.3074% | 1,477 |
| Equity capital to assets | 10.5376% | 3,446 |
| Core capital (leverage) ratio | 10.5124% | 2,734 |
| Tier 1 risk-based capital ratio | 26.5985% | 759 |
| Total risk-based capital ratio | 27.8678% | 742 |
| Memoranda: | ||
| Average total assets | $30,943,000 | 6,923 |
| Average earning assets | $29,207,000 | 6,876 |
| Average equity | $3,317,000 | 6,893 |
| Average total loans | $14,182,000 | 6,897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 5,981 |
| Cost of funding earning assets | 0.6541% | 5,802 |
| Net interest margin | 3.5741% | 4,832 |
| Noninterest income to average assets | 0.1699% | 6,273 |
| Noninterest expense to average assets | 2.3051% | 6,026 |
| Loan and lease loss provision to assets | 0.3813% | 2,713 |
| Net operating income to assets | 0.6066% | 3,967 |
| Return on assets (ROA) | 0.6066% | 4,151 |
| Pretax return on assets | 0.8735% | 3,697 |
| Return on Equity (ROE) | 5.3780% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.8414% | 3,478 |
| Net charge-offs to loans | 0.5658% | 2,759 |
| Credit loss provision to net charge-offs | 135.8025% | 2,207 |
| Earnings coverage of net charge-offs (x) | 4.4691% | 3,104 |
| Efficiency ratio | 64.7517% | 4,996 |
| Assets per employee ($millions) | 3.7833% | 4,357 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5524% | 1,244 |
| Loan loss allowance to noncurrent loans | 4,166.6667% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 6,114 |
| Noncurrent loans to loans | 0.0613% | 6,665 |
| Net loans and leases to total assets | 47.3039% | 5,897 |
| Net loans and leases to deposits | 53.2686% | 6,122 |
| Net loans and leases to core deposits | 53.7748% | 6,315 |
| Total domestic deposits to total assets | 88.8026% | 1,659 |
| Equity capital to assets | 10.9099% | 3,068 |
| Core capital (leverage) ratio | 10.9723% | 2,289 |
| Tier 1 risk-based capital ratio | 24.7008% | 903 |
| Total risk-based capital ratio | 25.9725% | 890 |
| Memoranda: | ||
| Average total assets | $28,848,800 | 6,998 |
| Average earning assets | $27,363,800 | 6,941 |
| Average equity | $3,254,000 | 6,947 |
| Average total loans | $14,317,000 | 6,936 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 5,899 |
| Cost of funding earning assets | 0.6838% | 5,858 |
| Net interest margin | 3.6306% | 4,654 |
| Noninterest income to average assets | 0.1919% | 6,217 |
| Noninterest expense to average assets | 2.2460% | 6,176 |
| Loan and lease loss provision to assets | 0.4211% | 2,362 |
| Net operating income to assets | 0.7159% | 3,525 |
| Return on assets (ROA) | 0.7159% | 3,700 |
| Pretax return on assets | 0.9779% | 3,483 |
| Return on Equity (ROE) | 6.2921% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.2921% | 2,377 |
| Net charge-offs to loans | 0.5156% | 2,700 |
| Credit loss provision to net charge-offs | 163.6364% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.4365% | 2,786 |
| Efficiency ratio | 61.6175% | 5,472 |
| Assets per employee ($millions) | 3.2822% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6425% | 1,214 |
| Loan loss allowance to noncurrent loans | 137.5451% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 4,126 |
| Noncurrent loans to loans | 1.9212% | 3,470 |
| Net loans and leases to total assets | 47.5186% | 6,011 |
| Net loans and leases to deposits | 53.5866% | 6,250 |
| Net loans and leases to core deposits | 54.1050% | 6,454 |
| Total domestic deposits to total assets | 88.6764% | 1,645 |
| Equity capital to assets | 11.2729% | 2,891 |
| Core capital (leverage) ratio | 11.3250% | 2,143 |
| Tier 1 risk-based capital ratio | 25.2809% | 886 |
| Total risk-based capital ratio | 26.5487% | 876 |
| Memoranda: | ||
| Average total assets | $28,494,500 | 7,081 |
| Average earning assets | $27,102,250 | 7,023 |
| Average equity | $3,242,000 | 7,005 |
| Average total loans | $14,223,250 | 7,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 5,863 |
| Cost of funding earning assets | 0.6878% | 6,028 |
| Net interest margin | 3.6556% | 4,492 |
| Noninterest income to average assets | 0.1421% | 6,613 |
| Noninterest expense to average assets | 2.3520% | 5,990 |
| Loan and lease loss provision to assets | 0.4263% | 2,299 |
| Net operating income to assets | 0.5756% | 4,181 |
| Return on assets (ROA) | 0.5756% | 4,305 |
| Pretax return on assets | 0.8385% | 3,875 |
| Return on Equity (ROE) | 5.0425% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.0425% | 2,981 |
| Net charge-offs to loans | 0.6215% | 2,281 |
| Credit loss provision to net charge-offs | 136.3636% | 2,237 |
| Earnings coverage of net charge-offs (x) | 4.0455% | 2,981 |
| Efficiency ratio | 65.0295% | 5,055 |
| Assets per employee ($millions) | 3.1081% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4769% | 1,478 |
| Loan loss allowance to noncurrent loans | 244.5946% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 4,945 |
| Noncurrent loans to loans | 1.0127% | 4,969 |
| Net loans and leases to total assets | 50.9527% | 5,701 |
| Net loans and leases to deposits | 57.7021% | 5,968 |
| Net loans and leases to core deposits | 57.7021% | 6,293 |
| Total domestic deposits to total assets | 88.3030% | 1,963 |
| Equity capital to assets | 11.6469% | 2,367 |
| Core capital (leverage) ratio | 11.2866% | 2,055 |
| Tier 1 risk-based capital ratio | 24.6538% | 935 |
| Total risk-based capital ratio | 25.9251% | 913 |
| Memoranda: | ||
| Average total assets | $28,146,000 | 7,155 |
| Average earning assets | $26,753,330 | 7,102 |
| Average equity | $3,212,670 | 7,066 |
| Average total loans | $14,158,330 | 7,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 5,925 |
| Cost of funding earning assets | 0.7162% | 6,050 |
| Net interest margin | 3.6111% | 4,522 |
| Noninterest income to average assets | -0.0142% | 7,326 |
| Noninterest expense to average assets | 2.6211% | 5,149 |
| Loan and lease loss provision to assets | 0.4250% | 2,062 |
| Net operating income to assets | 0.3684% | 5,086 |
| Return on assets (ROA) | 0.3684% | 5,169 |
| Pretax return on assets | 0.3684% | 5,444 |
| Return on Equity (ROE) | 3.2602% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.2602% | 4,223 |
| Net charge-offs to loans | 1.3783% | 998 |
| Credit loss provision to net charge-offs | 62.5000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 3,781 |
| Efficiency ratio | 76.7635% | 3,020 |
| Assets per employee ($millions) | 3.1614% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3646% | 1,653 |
| Loan loss allowance to noncurrent loans | 1,426.0870% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 5,952 |
| Noncurrent loans to loans | 0.1658% | 6,643 |
| Net loans and leases to total assets | 47.5978% | 6,127 |
| Net loans and leases to deposits | 53.6675% | 6,326 |
| Net loans and leases to core deposits | 53.6675% | 6,577 |
| Total domestic deposits to total assets | 88.6901% | 1,963 |
| Equity capital to assets | 11.2572% | 2,450 |
| Core capital (leverage) ratio | 10.9850% | 2,202 |
| Tier 1 risk-based capital ratio | 24.5215% | 927 |
| Total risk-based capital ratio | 25.7847% | 906 |
| Memoranda: | ||
| Average total assets | $28,232,500 | 7,206 |
| Average earning assets | $26,806,500 | 7,144 |
| Average equity | $3,190,000 | 7,109 |
| Average total loans | $13,930,000 | 7,144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 5,474 |
| Cost of funding earning assets | 0.7858% | 6,627 |
| Net interest margin | 3.9983% | 3,028 |
| Noninterest income to average assets | 0.1746% | 6,489 |
| Noninterest expense to average assets | 2.4627% | 5,909 |
| Loan and lease loss provision to assets | 0.6075% | 2,706 |
| Net operating income to assets | 0.6184% | 3,588 |
| Return on assets (ROA) | 0.6184% | 3,757 |
| Pretax return on assets | 0.8803% | 3,377 |
| Return on Equity (ROE) | 5.4355% | 3,876 |
| Retained earnings to average equity (ytd only) | 3.8368% | 3,176 |
| Net charge-offs to loans | 1.1137% | 1,998 |
| Credit loss provision to net charge-offs | 107.7419% | 4,115 |
| Earnings coverage of net charge-offs (x) | 2.6387% | 3,778 |
| Efficiency ratio | 62.3389% | 5,671 |
| Assets per employee ($millions) | 3.1124% | 5,853 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4734% | 1,440 |
| Loan loss allowance to noncurrent loans | 629.0909% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 5,624 |
| Noncurrent loans to loans | 0.3932% | 6,263 |
| Net loans and leases to total assets | 48.7041% | 6,306 |
| Net loans and leases to deposits | 55.1812% | 6,508 |
| Net loans and leases to core deposits | 55.1812% | 6,742 |
| Total domestic deposits to total assets | 88.2622% | 2,088 |
| Equity capital to assets | 11.3416% | 2,382 |
| Core capital (leverage) ratio | 11.3586% | 1,919 |
| Tier 1 risk-based capital ratio | 23.7036% | 960 |
| Total risk-based capital ratio | 24.9720% | 940 |
| Memoranda: | ||
| Average total assets | $27,490,000 | 7,278 |
| Average earning assets | $25,961,200 | 7,230 |
| Average equity | $3,127,600 | 7,239 |
| Average total loans | $13,917,800 | 7,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 5,576 |
| Cost of funding earning assets | 0.7948% | 6,782 |
| Net interest margin | 4.0256% | 2,981 |
| Noninterest income to average assets | 0.1316% | 6,902 |
| Noninterest expense to average assets | 2.3294% | 6,231 |
| Loan and lease loss provision to assets | 0.7018% | 2,185 |
| Net operating income to assets | 0.6579% | 3,609 |
| Return on assets (ROA) | 0.6579% | 3,774 |
| Pretax return on assets | 0.9016% | 3,549 |
| Return on Equity (ROE) | 5.7780% | 3,914 |
| Retained earnings to average equity (ytd only) | 5.7780% | 2,490 |
| Net charge-offs to loans | 1.1031% | 1,841 |
| Credit loss provision to net charge-offs | 125.2174% | 3,270 |
| Earnings coverage of net charge-offs (x) | 2.8609% | 3,702 |
| Efficiency ratio | 59.2317% | 6,074 |
| Assets per employee ($millions) | 3.0584% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5340% | 1,285 |
| Loan loss allowance to noncurrent loans | 307.6271% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 5,236 |
| Noncurrent loans to loans | 0.8237% | 5,570 |
| Net loans and leases to total assets | 50.7230% | 6,245 |
| Net loans and leases to deposits | 57.4899% | 6,512 |
| Net loans and leases to core deposits | 58.1072% | 6,718 |
| Total domestic deposits to total assets | 88.2293% | 1,840 |
| Equity capital to assets | 11.5963% | 2,457 |
| Core capital (leverage) ratio | 11.5828% | 1,891 |
| Tier 1 risk-based capital ratio | 22.5328% | 1,126 |
| Total risk-based capital ratio | 23.7964% | 1,099 |
| Memoranda: | ||
| Average total assets | $27,359,500 | 7,376 |
| Average earning assets | $25,834,000 | 7,325 |
| Average equity | $3,115,250 | 7,330 |
| Average total loans | $13,900,000 | 7,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 5,695 |
| Cost of funding earning assets | 0.8097% | 6,876 |
| Net interest margin | 4.0173% | 2,933 |
| Noninterest income to average assets | 0.0659% | 7,253 |
| Noninterest expense to average assets | 2.3440% | 6,240 |
| Loan and lease loss provision to assets | 0.6592% | 2,187 |
| Net operating income to assets | 0.6226% | 3,770 |
| Return on assets (ROA) | 0.6226% | 3,906 |
| Pretax return on assets | 0.8424% | 3,736 |
| Return on Equity (ROE) | 5.5022% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.5022% | 2,610 |
| Net charge-offs to loans | 1.2065% | 1,580 |
| Credit loss provision to net charge-offs | 108.4337% | 3,752 |
| Earnings coverage of net charge-offs (x) | 2.4699% | 3,760 |
| Efficiency ratio | 60.9524% | 5,867 |
| Assets per employee ($millions) | 3.3539% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4409% | 1,376 |
| Loan loss allowance to noncurrent loans | 120.0704% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 4,140 |
| Noncurrent loans to loans | 2.0329% | 3,676 |
| Net loans and leases to total assets | 50.7957% | 6,334 |
| Net loans and leases to deposits | 57.6133% | 6,602 |
| Net loans and leases to core deposits | 58.2461% | 6,813 |
| Total domestic deposits to total assets | 88.1667% | 1,912 |
| Equity capital to assets | 11.7103% | 2,272 |
| Core capital (leverage) ratio | 11.4651% | 1,933 |
| Tier 1 risk-based capital ratio | 22.3917% | 1,142 |
| Total risk-based capital ratio | 23.6531% | 1,117 |
| Memoranda: | ||
| Average total assets | $27,304,000 | 7,436 |
| Average earning assets | $25,688,670 | 7,382 |
| Average equity | $3,089,670 | 7,391 |
| Average total loans | $13,758,330 | 7,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 6,206 |
| Cost of funding earning assets | 0.8188% | 7,029 |
| Net interest margin | 3.8933% | 3,360 |
| Noninterest income to average assets | -0.1307% | 7,770 |
| Noninterest expense to average assets | 2.6579% | 5,110 |
| Loan and lease loss provision to assets | 0.5229% | 2,408 |
| Net operating income to assets | 0.1888% | 5,723 |
| Return on assets (ROA) | 0.1888% | 5,849 |
| Pretax return on assets | 0.3486% | 5,461 |
| Return on Equity (ROE) | 1.6974% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.6974% | 5,091 |
| Net charge-offs to loans | -0.0586% | 7,388 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3086% | 3,345 |
| Assets per employee ($millions) | 3.3784% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7183% | 1,068 |
| Loan loss allowance to noncurrent loans | 91.6256% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0165% | 3,481 |
| Noncurrent loans to loans | 2.9668% | 2,709 |
| Net loans and leases to total assets | 49.2581% | 6,550 |
| Net loans and leases to deposits | 55.6215% | 6,804 |
| Net loans and leases to core deposits | 56.2228% | 6,984 |
| Total domestic deposits to total assets | 88.5596% | 1,757 |
| Equity capital to assets | 11.3590% | 2,458 |
| Core capital (leverage) ratio | 11.0682% | 2,190 |
| Tier 1 risk-based capital ratio | 22.1086% | 1,188 |
| Total risk-based capital ratio | 23.3761% | 1,167 |
| Memoranda: | ||
| Average total assets | $27,540,500 | 7,521 |
| Average earning assets | $25,890,500 | 7,463 |
| Average equity | $3,063,500 | 7,477 |
| Average total loans | $13,652,500 | 7,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 5,862 |
| Cost of funding earning assets | 1.1060% | 6,956 |
| Net interest margin | 4.0474% | 2,663 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 2.6353% | 5,647 |
| Loan and lease loss provision to assets | 0.3600% | 4,643 |
| Net operating income to assets | 0.6236% | 3,237 |
| Return on assets (ROA) | 0.6236% | 3,300 |
| Pretax return on assets | 0.8351% | 3,129 |
| Return on Equity (ROE) | 5.5670% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.9101% | 2,477 |
| Net charge-offs to loans | 1.1565% | 2,116 |
| Credit loss provision to net charge-offs | 63.8158% | 6,585 |
| Earnings coverage of net charge-offs (x) | 2.1184% | 4,141 |
| Efficiency ratio | 68.7984% | 4,862 |
| Assets per employee ($millions) | 4.0077% | 3,805 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4523% | 1,287 |
| Loan loss allowance to noncurrent loans | 110.5960% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7288% | 3,780 |
| Noncurrent loans to loans | 2.2173% | 3,378 |
| Net loans and leases to total assets | 47.3587% | 6,865 |
| Net loans and leases to deposits | 53.3103% | 7,094 |
| Net loans and leases to core deposits | 58.1012% | 7,340 |
| Total domestic deposits to total assets | 88.8358% | 1,550 |
| Equity capital to assets | 10.8968% | 2,778 |
| Core capital (leverage) ratio | 11.3071% | 2,034 |
| Tier 1 risk-based capital ratio | 21.5936% | 1,204 |
| Total risk-based capital ratio | 22.8580% | 1,176 |
| Memoranda: | ||
| Average total assets | $26,942,400 | 7,587 |
| Average earning assets | $25,497,600 | 7,526 |
| Average equity | $3,017,800 | 7,581 |
| Average total loans | $13,143,400 | 7,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1758% | 5,986 |
| Cost of funding earning assets | 1.1572% | 7,017 |
| Net interest margin | 4.0186% | 2,730 |
| Noninterest income to average assets | 0.2450% | 6,479 |
| Noninterest expense to average assets | 2.7001% | 5,328 |
| Loan and lease loss provision to assets | 0.2100% | 5,298 |
| Net operating income to assets | 0.6650% | 3,335 |
| Return on assets (ROA) | 0.6650% | 3,400 |
| Pretax return on assets | 1.1551% | 2,398 |
| Return on Equity (ROE) | 5.8953% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.8953% | 2,004 |
| Net charge-offs to loans | 1.1056% | 1,809 |
| Credit loss provision to net charge-offs | 38.8889% | 6,434 |
| Earnings coverage of net charge-offs (x) | 2.5277% | 3,959 |
| Efficiency ratio | 66.4207% | 5,302 |
| Assets per employee ($millions) | 3.9293% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 1,236 |
| Loan loss allowance to noncurrent loans | 70.8333% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.2905% | 2,990 |
| Noncurrent loans to loans | 3.3149% | 2,276 |
| Net loans and leases to total assets | 48.8384% | 6,879 |
| Net loans and leases to deposits | 55.0330% | 7,143 |
| Net loans and leases to core deposits | 61.1453% | 7,359 |
| Total domestic deposits to total assets | 88.7439% | 1,319 |
| Equity capital to assets | 11.1689% | 2,855 |
| Core capital (leverage) ratio | 11.2879% | 2,193 |
| Tier 1 risk-based capital ratio | 21.7595% | 1,254 |
| Total risk-based capital ratio | 23.0203% | 1,230 |
| Memoranda: | ||
| Average total assets | $26,664,500 | 7,662 |
| Average earning assets | $25,348,000 | 7,598 |
| Average equity | $3,008,000 | 7,658 |
| Average total loans | $13,024,250 | 7,619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 6,046 |
| Cost of funding earning assets | 1.2028% | 7,096 |
| Net interest margin | 4.0066% | 2,670 |
| Noninterest income to average assets | 0.2501% | 6,499 |
| Noninterest expense to average assets | 2.6379% | 5,595 |
| Loan and lease loss provision to assets | 0.1364% | 5,712 |
| Net operating income to assets | 0.7808% | 2,929 |
| Return on assets (ROA) | 0.7808% | 3,022 |
| Pretax return on assets | 1.2886% | 2,056 |
| Return on Equity (ROE) | 6.8973% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.8973% | 1,622 |
| Net charge-offs to loans | 0.4851% | 2,887 |
| Credit loss provision to net charge-offs | 58.0645% | 5,629 |
| Earnings coverage of net charge-offs (x) | 6.0645% | 2,693 |
| Efficiency ratio | 64.9254% | 5,735 |
| Assets per employee ($millions) | 3.6747% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8582% | 643 |
| Loan loss allowance to noncurrent loans | 91.9315% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 2,950 |
| Noncurrent loans to loans | 3.1091% | 2,302 |
| Net loans and leases to total assets | 49.6793% | 6,903 |
| Net loans and leases to deposits | 56.3970% | 7,136 |
| Net loans and leases to core deposits | 63.1873% | 7,329 |
| Total domestic deposits to total assets | 88.0885% | 1,722 |
| Equity capital to assets | 11.8260% | 2,308 |
| Core capital (leverage) ratio | 11.5232% | 2,075 |
| Tier 1 risk-based capital ratio | 23.0002% | 1,132 |
| Total risk-based capital ratio | 24.2704% | 1,108 |
| Memoranda: | ||
| Average total assets | $26,384,330 | 7,745 |
| Average earning assets | $25,108,670 | 7,675 |
| Average equity | $2,986,670 | 7,734 |
| Average total loans | $12,780,330 | 7,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 6,222 |
| Cost of funding earning assets | 1.2734% | 7,105 |
| Net interest margin | 3.9460% | 2,865 |
| Noninterest income to average assets | 0.2545% | 6,423 |
| Noninterest expense to average assets | 2.7550% | 4,758 |
| Loan and lease loss provision to assets | 0.1198% | 5,429 |
| Net operating income to assets | 0.5989% | 4,014 |
| Return on assets (ROA) | 0.5989% | 4,209 |
| Pretax return on assets | 1.1379% | 2,836 |
| Return on Equity (ROE) | 5.4072% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.4072% | 2,900 |
| Net charge-offs to loans | 1.0164% | 1,327 |
| Credit loss provision to net charge-offs | 25.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,447 |
| Efficiency ratio | 68.6567% | 4,843 |
| Assets per employee ($millions) | 3.7270% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8661% | 549 |
| Loan loss allowance to noncurrent loans | 325.8929% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 4,435 |
| Noncurrent loans to loans | 0.8795% | 5,253 |
| Net loans and leases to total assets | 47.4146% | 7,072 |
| Net loans and leases to deposits | 53.6846% | 7,311 |
| Net loans and leases to core deposits | 61.4353% | 7,409 |
| Total domestic deposits to total assets | 88.3207% | 1,564 |
| Equity capital to assets | 11.4186% | 2,642 |
| Core capital (leverage) ratio | 10.9538% | 2,538 |
| Tier 1 risk-based capital ratio | 22.6747% | 1,225 |
| Total risk-based capital ratio | 23.9458% | 1,196 |
| Memoranda: | ||
| Average total assets | $26,715,000 | 7,774 |
| Average earning assets | $25,443,500 | 7,707 |
| Average equity | $2,959,000 | 7,798 |
| Average total loans | $12,593,000 | 7,767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6109% | 7,028 |
| Cost of funding earning assets | 1.8104% | 6,976 |
| Net interest margin | 3.8005% | 4,014 |
| Noninterest income to average assets | 0.3152% | 6,198 |
| Noninterest expense to average assets | 2.4475% | 6,220 |
| Loan and lease loss provision to assets | 0.0700% | 6,520 |
| Net operating income to assets | 0.9689% | 2,698 |
| Return on assets (ROA) | 0.9689% | 2,577 |
| Pretax return on assets | 1.4163% | 1,922 |
| Return on Equity (ROE) | 8.7411% | 2,736 |
| Retained earnings to average equity (ytd only) | 6.9859% | 1,156 |
| Net charge-offs to loans | -0.0408% | 8,009 |
| Credit loss provision to net charge-offs | -360.0000% | 7,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2156% | 5,911 |
| Assets per employee ($millions) | 3.9059% | 3,715 |
| Cash dividends to net income (ytd only)* | 20.0803% | 4,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1242% | 394 |
| Loan loss allowance to noncurrent loans | 209.1398% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 3,911 |
| Noncurrent loans to loans | 1.4939% | 3,559 |
| Net loans and leases to total assets | 44.1169% | 7,460 |
| Net loans and leases to deposits | 49.6195% | 7,643 |
| Net loans and leases to core deposits | 57.6936% | 7,681 |
| Total domestic deposits to total assets | 88.9104% | 1,083 |
| Equity capital to assets | 10.7494% | 3,253 |
| Core capital (leverage) ratio | 10.9705% | 2,611 |
| Tier 1 risk-based capital ratio | 21.9673% | 1,320 |
| Total risk-based capital ratio | 23.2379% | 1,288 |
| Memoranda: | ||
| Average total assets | $25,700,000 | 7,816 |
| Average earning assets | $24,470,400 | 7,766 |
| Average equity | $2,848,600 | 7,882 |
| Average total loans | $12,255,800 | 7,821 |