Home > Farmers State Bank, Allen, Oklahoma > Performance and Condition Ratios
Farmers State Bank, Allen, Oklahoma, 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 | 6.0688% | 578 |
| Cost of funding earning assets | 0.6797% | 3,954 |
| Net interest margin | 5.3891% | 212 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 3.0340% | 1,074 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.0807% | 409 |
| Return on assets (ROA) | 2.0807% | 399 |
| Pretax return on assets | 2.0807% | 594 |
| Return on Equity (ROE) | 16.9300% | 962 |
| Retained earnings to average equity (ytd only) | 6.9946% | 1,896 |
| Net charge-offs to loans | 0.0370% | 1,568 |
| Credit loss provision to net charge-offs | 335.7143% | 879 |
| Earnings coverage of net charge-offs (x) | 79.4286% | 1,025 |
| Efficiency ratio | 58.2739% | 3,266 |
| Assets per employee ($millions) | 4.2631% | 4,056 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 1,552 |
| Loan loss allowance to noncurrent loans | 832.3077% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,688 |
| Noncurrent loans to loans | 0.1632% | 2,704 |
| Net loans and leases to total assets | 76.7900% | 1,004 |
| Net loans and leases to deposits | 89.6606% | 1,300 |
| Net loans and leases to core deposits | 99.5061% | 1,461 |
| Total domestic deposits to total assets | 85.6400% | 2,128 |
| Equity capital to assets | 12.6786% | 952 |
| Core capital (leverage) ratio | 12.3882% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3351% | 1,020 |
| Memoranda: | ||
| Average total assets | $51,185,800 | 4,310 |
| Average earning assets | $45,313,600 | 4,296 |
| Average equity | $6,290,600 | 4,132 |
| Average total loans | $37,885,800 | 4,028 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9154% | 592 |
| Cost of funding earning assets | 0.5759% | 4,015 |
| Net interest margin | 5.3395% | 215 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.9196% | 1,194 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.0966% | 437 |
| Return on assets (ROA) | 2.0966% | 431 |
| Pretax return on assets | 2.0966% | 661 |
| Return on Equity (ROE) | 17.2000% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.1172% | 1,918 |
| Net charge-offs to loans | 0.0463% | 1,225 |
| Credit loss provision to net charge-offs | 361.5385% | 771 |
| Earnings coverage of net charge-offs (x) | 65.6154% | 1,155 |
| Efficiency ratio | 56.7882% | 3,329 |
| Assets per employee ($millions) | 4.2757% | 4,056 |
| Cash dividends to net income (ytd only)* | 52.7950% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,360 |
| Loan loss allowance to noncurrent loans | 169.1589% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 931 |
| Noncurrent loans to loans | 0.8412% | 982 |
| Net loans and leases to total assets | 73.3200% | 1,432 |
| Net loans and leases to deposits | 85.4395% | 1,620 |
| Net loans and leases to core deposits | 94.0710% | 1,672 |
| Total domestic deposits to total assets | 85.8200% | 2,253 |
| Equity capital to assets | 12.5127% | 920 |
| Core capital (leverage) ratio | 12.5734% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6663% | 992 |
| Memoranda: | ||
| Average total assets | $51,193,000 | 4,326 |
| Average earning assets | $45,146,250 | 4,316 |
| Average equity | $6,241,750 | 4,143 |
| Average total loans | $37,401,250 | 4,045 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7065% | 630 |
| Cost of funding earning assets | 0.4437% | 4,092 |
| Net interest margin | 5.2628% | 221 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.9010% | 1,207 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.1034% | 403 |
| Return on assets (ROA) | 2.1034% | 397 |
| Pretax return on assets | 2.1034% | 624 |
| Return on Equity (ROE) | 17.4000% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.5081% | 1,816 |
| Net charge-offs to loans | 0.0700% | 861 |
| Credit loss provision to net charge-offs | 215.3846% | 1,013 |
| Earnings coverage of net charge-offs (x) | 43.5385% | 1,356 |
| Efficiency ratio | 56.7278% | 3,332 |
| Assets per employee ($millions) | 4.7100% | 3,815 |
| Cash dividends to net income (ytd only)* | 51.1152% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 1,679 |
| Loan loss allowance to noncurrent loans | 563.4409% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,298 |
| Noncurrent loans to loans | 0.2410% | 2,299 |
| Net loans and leases to total assets | 73.4900% | 1,348 |
| Net loans and leases to deposits | 85.2546% | 1,570 |
| Net loans and leases to core deposits | 90.2931% | 1,778 |
| Total domestic deposits to total assets | 86.2000% | 2,170 |
| Equity capital to assets | 12.1695% | 1,003 |
| Core capital (leverage) ratio | 12.1297% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0650% | 1,114 |
| Memoranda: | ||
| Average total assets | $51,154,667 | 4,349 |
| Average earning assets | $45,071,333 | 4,336 |
| Average equity | $6,182,333 | 4,173 |
| Average total loans | $37,147,667 | 4,060 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6095% | 519 |
| Cost of funding earning assets | 0.3500% | 4,075 |
| Net interest margin | 5.2595% | 207 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.8646% | 1,305 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.1485% | 402 |
| Return on assets (ROA) | 2.1485% | 396 |
| Pretax return on assets | 2.1485% | 618 |
| Return on Equity (ROE) | 17.8400% | 1,047 |
| Retained earnings to average equity (ytd only) | 9.6716% | 1,777 |
| Net charge-offs to loans | -0.0110% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.4341% | 3,361 |
| Assets per employee ($millions) | 4.7253% | 3,865 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,674 |
| Loan loss allowance to noncurrent loans | 738.5714% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 2,572 |
| Noncurrent loans to loans | 0.1876% | 2,540 |
| Net loans and leases to total assets | 70.7900% | 1,546 |
| Net loans and leases to deposits | 81.8681% | 1,666 |
| Net loans and leases to core deposits | 87.4091% | 1,778 |
| Total domestic deposits to total assets | 86.4700% | 2,456 |
| Equity capital to assets | 11.9147% | 1,021 |
| Core capital (leverage) ratio | 12.1780% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0176% | 1,148 |
| Memoranda: | ||
| Average total assets | $50,827,000 | 4,411 |
| Average earning assets | $44,567,000 | 4,403 |
| Average equity | $6,121,000 | 4,230 |
| Average total loans | $36,423,000 | 4,126 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 330 |
| Cost of funding earning assets | 0.1849% | 3,869 |
| Net interest margin | 4.7659% | 186 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.9849% | 987 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4361% | 1,036 |
| Return on assets (ROA) | 1.4361% | 999 |
| Pretax return on assets | 1.4361% | 1,674 |
| Return on Equity (ROE) | 12.0400% | 2,123 |
| Retained earnings to average equity (ytd only) | 3.6082% | 3,539 |
| Net charge-offs to loans | 0.0384% | 1,325 |
| Credit loss provision to net charge-offs | 307.6923% | 906 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,275 |
| Efficiency ratio | 66.3092% | 2,184 |
| Assets per employee ($millions) | 4.1397% | 4,229 |
| Cash dividends to net income (ytd only)* | 70.0280% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,395 |
| Loan loss allowance to noncurrent loans | 908.9286% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,737 |
| Noncurrent loans to loans | 0.1576% | 2,711 |
| Net loans and leases to total assets | 70.5100% | 1,582 |
| Net loans and leases to deposits | 81.8594% | 1,629 |
| Net loans and leases to core deposits | 84.5283% | 1,842 |
| Total domestic deposits to total assets | 86.1300% | 2,688 |
| Equity capital to assets | 12.1769% | 887 |
| Core capital (leverage) ratio | 11.8156% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7358% | 1,177 |
| Memoranda: | ||
| Average total assets | $49,717,400 | 4,442 |
| Average earning assets | $42,174,800 | 4,462 |
| Average equity | $5,931,000 | 4,335 |
| Average total loans | $33,851,200 | 4,171 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 299 |
| Cost of funding earning assets | 0.1840% | 3,468 |
| Net interest margin | 4.5870% | 204 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.9493% | 975 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.3057% | 1,332 |
| Return on assets (ROA) | 1.3057% | 1,298 |
| Pretax return on assets | 1.3057% | 2,033 |
| Return on Equity (ROE) | 11.0000% | 2,379 |
| Retained earnings to average equity (ytd only) | 3.0952% | 3,755 |
| Net charge-offs to loans | 0.0399% | 1,095 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 51.2000% | 1,273 |
| Efficiency ratio | 68.2382% | 1,983 |
| Assets per employee ($millions) | 4.3369% | 4,159 |
| Cash dividends to net income (ytd only)* | 71.8686% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,368 |
| Loan loss allowance to noncurrent loans | 662.6667% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,603 |
| Noncurrent loans to loans | 0.2228% | 2,499 |
| Net loans and leases to total assets | 63.7300% | 2,119 |
| Net loans and leases to deposits | 73.3098% | 2,104 |
| Net loans and leases to core deposits | 76.2366% | 2,177 |
| Total domestic deposits to total assets | 86.9400% | 2,782 |
| Equity capital to assets | 11.4655% | 1,020 |
| Core capital (leverage) ratio | 11.5860% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5740% | 1,073 |
| Memoranda: | ||
| Average total assets | $49,727,750 | 4,479 |
| Average earning assets | $42,030,750 | 4,494 |
| Average equity | $5,901,500 | 4,378 |
| Average total loans | $33,430,250 | 4,204 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 290 |
| Cost of funding earning assets | 0.1868% | 3,091 |
| Net interest margin | 4.4354% | 215 |
| Noninterest income to average assets | 0.4290% | 2,576 |
| Noninterest expense to average assets | 2.8842% | 1,018 |
| Loan and lease loss provision to assets | 0.0613% | 1,497 |
| Net operating income to assets | 1.2664% | 1,232 |
| Return on assets (ROA) | 1.2664% | 1,215 |
| Pretax return on assets | 1.2664% | 1,850 |
| Return on Equity (ROE) | 10.5448% | 2,153 |
| Retained earnings to average equity (ytd only) | 2.8913% | 3,476 |
| Net charge-offs to loans | 0.0480% | 916 |
| Credit loss provision to net charge-offs | 187.5000% | 999 |
| Earnings coverage of net charge-offs (x) | 40.6250% | 1,251 |
| Efficiency ratio | 68.4772% | 2,177 |
| Assets per employee ($millions) | 4.2488% | 4,242 |
| Cash dividends to net income (ytd only)* | 72.5806% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,712 |
| Loan loss allowance to noncurrent loans | 3,492.8571% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,708 |
| Noncurrent loans to loans | 0.0404% | 3,644 |
| Net loans and leases to total assets | 67.0262% | 1,579 |
| Net loans and leases to deposits | 77.2102% | 1,594 |
| Net loans and leases to core deposits | 79.9560% | 1,720 |
| Total domestic deposits to total assets | 86.8101% | 3,005 |
| Equity capital to assets | 11.6051% | 995 |
| Core capital (leverage) ratio | 11.6277% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6713% | 759 |
| Memoranda: | ||
| Average total assets | $48,956,000 | 4,524 |
| Average earning assets | $41,754,667 | 4,557 |
| Average equity | $5,879,667 | 4,429 |
| Average total loans | $33,351,667 | 4,257 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 263 |
| Cost of funding earning assets | 0.2037% | 2,748 |
| Net interest margin | 4.3844% | 205 |
| Noninterest income to average assets | 0.4172% | 2,577 |
| Noninterest expense to average assets | 2.8285% | 1,102 |
| Loan and lease loss provision to assets | 0.0417% | 1,605 |
| Net operating income to assets | 1.3183% | 964 |
| Return on assets (ROA) | 1.3183% | 951 |
| Pretax return on assets | 1.3183% | 1,450 |
| Return on Equity (ROE) | 10.7831% | 1,691 |
| Retained earnings to average equity (ytd only) | 3.9584% | 2,944 |
| Net charge-offs to loans | 0.0979% | 529 |
| Credit loss provision to net charge-offs | 62.5000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 20.3750% | 1,273 |
| Efficiency ratio | 67.5299% | 2,563 |
| Assets per employee ($millions) | 4.4600% | 4,160 |
| Cash dividends to net income (ytd only)* | 63.2911% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,740 |
| Loan loss allowance to noncurrent loans | 23,950.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,053 |
| Noncurrent loans to loans | 0.0060% | 3,985 |
| Net loans and leases to total assets | 66.6307% | 1,349 |
| Net loans and leases to deposits | 77.1640% | 1,347 |
| Net loans and leases to core deposits | 80.0397% | 1,477 |
| Total domestic deposits to total assets | 86.3494% | 3,150 |
| Equity capital to assets | 12.0057% | 949 |
| Core capital (leverage) ratio | 12.1286% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9525% | 911 |
| Memoranda: | ||
| Average total assets | $47,941,000 | 4,562 |
| Average earning assets | $41,237,000 | 4,580 |
| Average equity | $5,861,000 | 4,478 |
| Average total loans | $32,696,000 | 4,282 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 215 |
| Cost of funding earning assets | 0.2617% | 2,786 |
| Net interest margin | 4.8746% | 160 |
| Noninterest income to average assets | 0.4377% | 2,869 |
| Noninterest expense to average assets | 3.2335% | 692 |
| Loan and lease loss provision to assets | 0.0628% | 1,813 |
| Net operating income to assets | 1.5498% | 914 |
| Return on assets (ROA) | 1.5498% | 945 |
| Pretax return on assets | 1.5498% | 1,570 |
| Return on Equity (ROE) | 12.8929% | 1,493 |
| Retained earnings to average equity (ytd only) | 4.6170% | 2,960 |
| Net charge-offs to loans | 0.0459% | 1,367 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 1,280 |
| Efficiency ratio | 66.7243% | 2,159 |
| Assets per employee ($millions) | 4.2565% | 4,293 |
| Cash dividends to net income (ytd only)* | 64.1892% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,573 |
| Loan loss allowance to noncurrent loans | 4,016.6667% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,871 |
| Noncurrent loans to loans | 0.0372% | 3,810 |
| Net loans and leases to total assets | 67.7929% | 1,295 |
| Net loans and leases to deposits | 79.0015% | 1,296 |
| Net loans and leases to core deposits | 82.1140% | 1,450 |
| Total domestic deposits to total assets | 85.8122% | 2,969 |
| Equity capital to assets | 12.4557% | 1,074 |
| Core capital (leverage) ratio | 12.1650% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4512% | 975 |
| Memoranda: | ||
| Average total assets | $47,749,600 | 4,586 |
| Average earning assets | $43,182,600 | 4,578 |
| Average equity | $5,739,600 | 4,555 |
| Average total loans | $32,689,000 | 4,321 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 226 |
| Cost of funding earning assets | 0.2706% | 2,887 |
| Net interest margin | 4.9164% | 174 |
| Noninterest income to average assets | 0.4113% | 3,030 |
| Noninterest expense to average assets | 3.1789% | 738 |
| Loan and lease loss provision to assets | 0.0563% | 1,859 |
| Net operating income to assets | 1.6700% | 884 |
| Return on assets (ROA) | 1.6700% | 924 |
| Pretax return on assets | 1.6700% | 1,487 |
| Return on Equity (ROE) | 14.0176% | 1,384 |
| Retained earnings to average equity (ytd only) | 5.8543% | 2,891 |
| Net charge-offs to loans | 0.1992% | 424 |
| Credit loss provision to net charge-offs | 40.8163% | 1,916 |
| Earnings coverage of net charge-offs (x) | 12.6735% | 1,946 |
| Efficiency ratio | 64.8159% | 2,271 |
| Assets per employee ($millions) | 3.6771% | 4,583 |
| Cash dividends to net income (ytd only)* | 58.2363% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,222 |
| Loan loss allowance to noncurrent loans | 32.4666% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.8158% | 99 |
| Noncurrent loans to loans | 4.1606% | 118 |
| Net loans and leases to total assets | 66.7629% | 1,457 |
| Net loans and leases to deposits | 77.4518% | 1,530 |
| Net loans and leases to core deposits | 80.5319% | 1,690 |
| Total domestic deposits to total assets | 86.1993% | 2,670 |
| Equity capital to assets | 12.1710% | 1,323 |
| Core capital (leverage) ratio | 11.8019% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4980% | 1,251 |
| Memoranda: | ||
| Average total assets | $47,981,500 | 4,651 |
| Average earning assets | $43,852,250 | 4,639 |
| Average equity | $5,716,500 | 4,625 |
| Average total loans | $32,805,250 | 4,377 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 121 |
| Cost of funding earning assets | 0.2759% | 3,031 |
| Net interest margin | 5.4962% | 100 |
| Noninterest income to average assets | 0.3913% | 3,145 |
| Noninterest expense to average assets | 3.2430% | 673 |
| Loan and lease loss provision to assets | 0.0833% | 1,471 |
| Net operating income to assets | 2.1232% | 386 |
| Return on assets (ROA) | 2.1232% | 407 |
| Pretax return on assets | 2.1232% | 659 |
| Return on Equity (ROE) | 17.9493% | 661 |
| Retained earnings to average equity (ytd only) | 9.1506% | 1,667 |
| Net charge-offs to loans | 0.2974% | 294 |
| Credit loss provision to net charge-offs | 40.8163% | 1,653 |
| Earnings coverage of net charge-offs (x) | 10.8163% | 1,787 |
| Efficiency ratio | 59.5111% | 3,081 |
| Assets per employee ($millions) | 3.8630% | 4,520 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 2,389 |
| Loan loss allowance to noncurrent loans | 29.9110% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9093% | 98 |
| Noncurrent loans to loans | 4.3744% | 116 |
| Net loans and leases to total assets | 65.6365% | 1,733 |
| Net loans and leases to deposits | 75.5645% | 1,863 |
| Net loans and leases to core deposits | 77.9280% | 2,053 |
| Total domestic deposits to total assets | 86.8615% | 2,400 |
| Equity capital to assets | 11.6032% | 1,569 |
| Core capital (leverage) ratio | 11.5757% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2874% | 912 |
| Memoranda: | ||
| Average total assets | $48,041,333 | 4,676 |
| Average earning assets | $44,212,333 | 4,660 |
| Average equity | $5,682,667 | 4,656 |
| Average total loans | $32,956,667 | 4,410 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 178 |
| Cost of funding earning assets | 0.2893% | 3,109 |
| Net interest margin | 5.2999% | 135 |
| Noninterest income to average assets | 0.3919% | 3,131 |
| Noninterest expense to average assets | 3.2458% | 657 |
| Loan and lease loss provision to assets | 0.1704% | 731 |
| Net operating income to assets | 1.8146% | 763 |
| Return on assets (ROA) | 1.8146% | 814 |
| Pretax return on assets | 1.8146% | 1,265 |
| Return on Equity (ROE) | 15.1858% | 1,169 |
| Retained earnings to average equity (ytd only) | 6.2740% | 2,803 |
| Net charge-offs to loans | 0.6110% | 132 |
| Credit loss provision to net charge-offs | 40.0000% | 1,352 |
| Earnings coverage of net charge-offs (x) | 4.6600% | 1,720 |
| Efficiency ratio | 62.0521% | 2,752 |
| Assets per employee ($millions) | 4.0385% | 4,455 |
| Cash dividends to net income (ytd only)* | 58.6854% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 2,378 |
| Loan loss allowance to noncurrent loans | 33.0053% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.7258% | 129 |
| Noncurrent loans to loans | 3.9794% | 138 |
| Net loans and leases to total assets | 67.5994% | 1,586 |
| Net loans and leases to deposits | 77.9165% | 1,726 |
| Net loans and leases to core deposits | 80.9489% | 1,915 |
| Total domestic deposits to total assets | 86.7587% | 2,418 |
| Equity capital to assets | 11.6689% | 1,461 |
| Core capital (leverage) ratio | 12.0738% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5432% | 990 |
| Memoranda: | ||
| Average total assets | $46,952,500 | 4,707 |
| Average earning assets | $42,869,000 | 4,691 |
| Average equity | $5,610,500 | 4,680 |
| Average total loans | $32,735,500 | 4,437 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 424 |
| Cost of funding earning assets | 0.4271% | 3,420 |
| Net interest margin | 4.6604% | 236 |
| Noninterest income to average assets | 0.4459% | 2,883 |
| Noninterest expense to average assets | 3.4058% | 789 |
| Loan and lease loss provision to assets | 0.2080% | 1,895 |
| Net operating income to assets | 1.0675% | 2,040 |
| Return on assets (ROA) | 1.0675% | 2,180 |
| Pretax return on assets | 1.0675% | 2,824 |
| Return on Equity (ROE) | 8.2659% | 2,706 |
| Retained earnings to average equity (ytd only) | 0.3936% | 4,399 |
| Net charge-offs to loans | 0.1762% | 950 |
| Credit loss provision to net charge-offs | 163.6364% | 2,351 |
| Earnings coverage of net charge-offs (x) | 10.0364% | 2,489 |
| Efficiency ratio | 72.7542% | 1,601 |
| Assets per employee ($millions) | 3.7869% | 4,518 |
| Cash dividends to net income (ytd only)* | 95.2381% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,800 |
| Loan loss allowance to noncurrent loans | 340.1460% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 1,775 |
| Noncurrent loans to loans | 0.4245% | 2,707 |
| Net loans and leases to total assets | 69.9976% | 1,561 |
| Net loans and leases to deposits | 81.3238% | 1,729 |
| Net loans and leases to core deposits | 84.7381% | 1,969 |
| Total domestic deposits to total assets | 86.0727% | 2,333 |
| Equity capital to assets | 12.2483% | 1,451 |
| Core capital (leverage) ratio | 12.3445% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4673% | 1,161 |
| Memoranda: | ||
| Average total assets | $43,278,600 | 4,730 |
| Average earning assets | $39,331,800 | 4,727 |
| Average equity | $5,589,200 | 4,689 |
| Average total loans | $31,207,000 | 4,495 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2466% | 379 |
| Cost of funding earning assets | 0.4521% | 3,518 |
| Net interest margin | 4.7946% | 206 |
| Noninterest income to average assets | 0.4336% | 2,917 |
| Noninterest expense to average assets | 3.4629% | 741 |
| Loan and lease loss provision to assets | 0.0936% | 3,141 |
| Net operating income to assets | 1.2448% | 1,502 |
| Return on assets (ROA) | 1.2448% | 1,616 |
| Pretax return on assets | 1.2448% | 2,249 |
| Return on Equity (ROE) | 9.5083% | 2,203 |
| Retained earnings to average equity (ytd only) | 2.0017% | 3,931 |
| Net charge-offs to loans | 0.1681% | 875 |
| Credit loss provision to net charge-offs | 76.9231% | 2,777 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,323 |
| Efficiency ratio | 72.1248% | 1,633 |
| Assets per employee ($millions) | 3.7105% | 4,551 |
| Cash dividends to net income (ytd only)* | 78.9474% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,824 |
| Loan loss allowance to noncurrent loans | 214.7959% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 1,574 |
| Noncurrent loans to loans | 0.6426% | 2,190 |
| Net loans and leases to total assets | 67.5605% | 2,304 |
| Net loans and leases to deposits | 78.8995% | 2,441 |
| Net loans and leases to core deposits | 81.1974% | 2,735 |
| Total domestic deposits to total assets | 85.6286% | 2,207 |
| Equity capital to assets | 12.6421% | 1,354 |
| Core capital (leverage) ratio | 12.5225% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2770% | 1,009 |
| Memoranda: | ||
| Average total assets | $42,737,500 | 4,759 |
| Average earning assets | $38,932,000 | 4,754 |
| Average equity | $5,595,000 | 4,709 |
| Average total loans | $30,940,000 | 4,524 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 323 |
| Cost of funding earning assets | 0.4784% | 3,665 |
| Net interest margin | 5.0542% | 184 |
| Noninterest income to average assets | 0.4319% | 2,896 |
| Noninterest expense to average assets | 3.5500% | 701 |
| Loan and lease loss provision to assets | 0.1186% | 2,834 |
| Net operating income to assets | 1.3763% | 1,157 |
| Return on assets (ROA) | 1.3763% | 1,256 |
| Pretax return on assets | 1.3763% | 1,781 |
| Return on Equity (ROE) | 10.3874% | 1,853 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,136 |
| Net charge-offs to loans | 0.1480% | 975 |
| Credit loss provision to net charge-offs | 108.6957% | 2,344 |
| Earnings coverage of net charge-offs (x) | 13.6957% | 1,981 |
| Efficiency ratio | 70.3669% | 1,911 |
| Assets per employee ($millions) | 4.0675% | 4,241 |
| Cash dividends to net income (ytd only)* | 65.5172% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,548 |
| Loan loss allowance to noncurrent loans | 176.4228% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 1,458 |
| Noncurrent loans to loans | 0.8004% | 1,894 |
| Net loans and leases to total assets | 67.7261% | 2,405 |
| Net loans and leases to deposits | 79.0391% | 2,535 |
| Net loans and leases to core deposits | 80.7859% | 2,890 |
| Total domestic deposits to total assets | 85.6868% | 2,128 |
| Equity capital to assets | 12.6168% | 1,332 |
| Core capital (leverage) ratio | 12.6720% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2974% | 1,003 |
| Memoranda: | ||
| Average total assets | $42,141,333 | 4,789 |
| Average earning assets | $38,463,333 | 4,779 |
| Average equity | $5,583,667 | 4,732 |
| Average total loans | $31,085,667 | 4,542 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5284% | 355 |
| Cost of funding earning assets | 0.5065% | 3,913 |
| Net interest margin | 5.0219% | 183 |
| Noninterest income to average assets | 0.4995% | 2,550 |
| Noninterest expense to average assets | 3.7805% | 638 |
| Loan and lease loss provision to assets | 0.2449% | 1,270 |
| Net operating income to assets | 1.0382% | 2,046 |
| Return on assets (ROA) | 1.0382% | 2,143 |
| Pretax return on assets | 1.0382% | 2,706 |
| Return on Equity (ROE) | 7.6355% | 2,662 |
| Retained earnings to average equity (ytd only) | 1.1525% | 3,705 |
| Net charge-offs to loans | 0.0256% | 1,856 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 763 |
| Efficiency ratio | 74.6615% | 1,730 |
| Assets per employee ($millions) | 3.4515% | 4,525 |
| Cash dividends to net income (ytd only)* | 84.9057% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,413 |
| Loan loss allowance to noncurrent loans | 42.6030% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.9094% | 208 |
| Noncurrent loans to loans | 3.4719% | 274 |
| Net loans and leases to total assets | 73.1711% | 1,753 |
| Net loans and leases to deposits | 86.3394% | 1,958 |
| Net loans and leases to core deposits | 88.4279% | 2,488 |
| Total domestic deposits to total assets | 84.7482% | 2,512 |
| Equity capital to assets | 13.4289% | 1,252 |
| Core capital (leverage) ratio | 13.4851% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,841,000 | 4,835 |
| Average earning assets | $37,117,500 | 4,831 |
| Average equity | $5,553,000 | 4,777 |
| Average total loans | $31,260,500 | 4,572 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 452 |
| Cost of funding earning assets | 0.4666% | 4,216 |
| Net interest margin | 5.1631% | 202 |
| Noninterest income to average assets | 0.5886% | 2,276 |
| Noninterest expense to average assets | 3.6557% | 800 |
| Loan and lease loss provision to assets | 0.0821% | 2,364 |
| Net operating income to assets | 1.5476% | 948 |
| Return on assets (ROA) | 1.5476% | 1,004 |
| Pretax return on assets | 1.5476% | 1,665 |
| Return on Equity (ROE) | 12.0039% | 1,511 |
| Retained earnings to average equity (ytd only) | 2.0007% | 4,001 |
| Net charge-offs to loans | 0.1731% | 1,167 |
| Credit loss provision to net charge-offs | 62.5000% | 3,010 |
| Earnings coverage of net charge-offs (x) | 12.4107% | 2,416 |
| Efficiency ratio | 69.1659% | 2,293 |
| Assets per employee ($millions) | 3.6604% | 4,306 |
| Cash dividends to net income (ytd only)* | 83.3333% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,684 |
| Loan loss allowance to noncurrent loans | 117.1196% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 906 |
| Noncurrent loans to loans | 1.1587% | 1,308 |
| Net loans and leases to total assets | 77.8090% | 1,110 |
| Net loans and leases to deposits | 92.2635% | 1,335 |
| Net loans and leases to core deposits | 94.5753% | 2,013 |
| Total domestic deposits to total assets | 84.3334% | 2,740 |
| Equity capital to assets | 13.7691% | 1,181 |
| Core capital (leverage) ratio | 13.2673% | 1,129 |
| Tier 1 risk-based capital ratio | 16.5933% | 2,188 |
| Total risk-based capital ratio | 17.8444% | 2,122 |
| Memoranda: | ||
| Average total assets | $42,646,200 | 4,857 |
| Average earning assets | $38,794,400 | 4,858 |
| Average equity | $5,498,200 | 4,827 |
| Average total loans | $32,346,600 | 4,594 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6169% | 476 |
| Cost of funding earning assets | 0.4542% | 4,314 |
| Net interest margin | 5.1627% | 210 |
| Noninterest income to average assets | 0.5858% | 2,281 |
| Noninterest expense to average assets | 3.5860% | 860 |
| Loan and lease loss provision to assets | 0.0925% | 2,061 |
| Net operating income to assets | 1.6034% | 926 |
| Return on assets (ROA) | 1.6034% | 963 |
| Pretax return on assets | 1.6034% | 1,627 |
| Return on Equity (ROE) | 12.6363% | 1,401 |
| Retained earnings to average equity (ytd only) | 2.9161% | 3,927 |
| Net charge-offs to loans | 0.2052% | 856 |
| Credit loss provision to net charge-offs | 60.0000% | 2,707 |
| Earnings coverage of net charge-offs (x) | 10.9993% | 2,463 |
| Efficiency ratio | 67.8926% | 2,439 |
| Assets per employee ($millions) | 3.7797% | 4,185 |
| Cash dividends to net income (ytd only)* | 76.9226% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,573 |
| Loan loss allowance to noncurrent loans | 519.2771% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 2,366 |
| Noncurrent loans to loans | 0.2697% | 3,574 |
| Net loans and leases to total assets | 72.9778% | 2,004 |
| Net loans and leases to deposits | 85.9888% | 2,187 |
| Net loans and leases to core deposits | 88.2856% | 2,701 |
| Total domestic deposits to total assets | 84.8690% | 2,469 |
| Equity capital to assets | 13.3583% | 1,430 |
| Core capital (leverage) ratio | 12.9836% | 1,351 |
| Tier 1 risk-based capital ratio | 17.1362% | 2,039 |
| Total risk-based capital ratio | 18.3857% | 1,992 |
| Memoranda: | ||
| Average total assets | $43,241,750 | 4,919 |
| Average earning assets | $39,332,500 | 4,921 |
| Average equity | $5,486,750 | 4,894 |
| Average total loans | $32,493,250 | 4,657 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 646 |
| Cost of funding earning assets | 0.4315% | 4,392 |
| Net interest margin | 4.9975% | 290 |
| Noninterest income to average assets | 0.4886% | 2,740 |
| Noninterest expense to average assets | 3.6487% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3882% | 1,463 |
| Return on assets (ROA) | 1.3882% | 1,521 |
| Pretax return on assets | 1.3882% | 2,238 |
| Return on Equity (ROE) | 11.1267% | 1,930 |
| Retained earnings to average equity (ytd only) | 1.9765% | 4,119 |
| Net charge-offs to loans | 0.0181% | 2,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 101.3333% | 691 |
| Efficiency ratio | 72.4388% | 1,854 |
| Assets per employee ($millions) | 3.6567% | 4,303 |
| Cash dividends to net income (ytd only)* | 82.2368% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,665 |
| Loan loss allowance to noncurrent loans | 193.9394% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 1,505 |
| Noncurrent loans to loans | 0.7153% | 2,193 |
| Net loans and leases to total assets | 72.5729% | 2,140 |
| Net loans and leases to deposits | 84.5525% | 2,429 |
| Net loans and leases to core deposits | 86.6649% | 2,912 |
| Total domestic deposits to total assets | 85.8318% | 2,121 |
| Equity capital to assets | 12.5091% | 1,851 |
| Core capital (leverage) ratio | 12.3835% | 1,596 |
| Tier 1 risk-based capital ratio | 16.2363% | 2,315 |
| Total risk-based capital ratio | 17.4875% | 2,260 |
| Memoranda: | ||
| Average total assets | $43,796,670 | 4,955 |
| Average earning assets | $39,859,670 | 4,954 |
| Average equity | $5,464,330 | 4,927 |
| Average total loans | $33,066,670 | 4,675 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 679 |
| Cost of funding earning assets | 0.4039% | 4,465 |
| Net interest margin | 4.9573% | 306 |
| Noninterest income to average assets | 0.5119% | 2,483 |
| Noninterest expense to average assets | 3.4922% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5084% | 1,091 |
| Return on assets (ROA) | 1.5084% | 1,119 |
| Pretax return on assets | 1.5084% | 1,732 |
| Return on Equity (ROE) | 12.1056% | 1,497 |
| Retained earnings to average equity (ytd only) | 2.9347% | 3,764 |
| Net charge-offs to loans | 0.0478% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 1,134 |
| Efficiency ratio | 69.8355% | 2,369 |
| Assets per employee ($millions) | 3.6754% | 4,377 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 1,980 |
| Loan loss allowance to noncurrent loans | 79.2185% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.9522% | 521 |
| Noncurrent loans to loans | 1.6717% | 929 |
| Net loans and leases to total assets | 75.3475% | 1,587 |
| Net loans and leases to deposits | 87.6510% | 1,915 |
| Net loans and leases to core deposits | 89.8867% | 2,514 |
| Total domestic deposits to total assets | 85.9630% | 2,298 |
| Equity capital to assets | 12.4090% | 1,795 |
| Core capital (leverage) ratio | 12.6362% | 1,437 |
| Tier 1 risk-based capital ratio | 15.4683% | 2,665 |
| Total risk-based capital ratio | 16.7171% | 2,579 |
| Memoranda: | ||
| Average total assets | $43,755,000 | 5,006 |
| Average earning assets | $39,618,500 | 5,011 |
| Average equity | $5,452,000 | 4,973 |
| Average total loans | $33,453,500 | 4,717 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 437 |
| Cost of funding earning assets | 0.4069% | 3,946 |
| Net interest margin | 5.0482% | 242 |
| Noninterest income to average assets | 0.5494% | 2,548 |
| Noninterest expense to average assets | 3.5508% | 929 |
| Loan and lease loss provision to assets | 0.1703% | 1,176 |
| Net operating income to assets | 1.3917% | 1,457 |
| Return on assets (ROA) | 1.3917% | 1,455 |
| Pretax return on assets | 1.3917% | 2,161 |
| Return on Equity (ROE) | 11.4000% | 1,935 |
| Retained earnings to average equity (ytd only) | 2.1015% | 4,319 |
| Net charge-offs to loans | 0.2367% | 823 |
| Credit loss provision to net charge-offs | 97.4026% | 2,600 |
| Earnings coverage of net charge-offs (x) | 8.9351% | 2,849 |
| Efficiency ratio | 69.4494% | 2,297 |
| Assets per employee ($millions) | 3.6171% | 4,432 |
| Cash dividends to net income (ytd only)* | 81.5661% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,803 |
| Loan loss allowance to noncurrent loans | 211.7371% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 1,134 |
| Noncurrent loans to loans | 0.6410% | 2,382 |
| Net loans and leases to total assets | 75.5166% | 1,692 |
| Net loans and leases to deposits | 87.9757% | 2,044 |
| Net loans and leases to core deposits | 88.9933% | 2,655 |
| Total domestic deposits to total assets | 85.8380% | 2,310 |
| Equity capital to assets | 12.5124% | 1,573 |
| Core capital (leverage) ratio | 12.3225% | 1,550 |
| Tier 1 risk-based capital ratio | 15.4831% | 2,629 |
| Total risk-based capital ratio | 16.7346% | 2,549 |
| Memoranda: | ||
| Average total assets | $44,046,600 | 5,048 |
| Average earning assets | $39,816,400 | 5,049 |
| Average equity | $5,377,200 | 4,990 |
| Average total loans | $32,524,200 | 4,752 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 472 |
| Cost of funding earning assets | 0.4133% | 3,770 |
| Net interest margin | 4.9396% | 289 |
| Noninterest income to average assets | 0.5127% | 2,787 |
| Noninterest expense to average assets | 3.4835% | 1,001 |
| Loan and lease loss provision to assets | 0.1659% | 1,137 |
| Net operating income to assets | 1.3331% | 1,731 |
| Return on assets (ROA) | 1.3331% | 1,741 |
| Pretax return on assets | 1.3331% | 2,490 |
| Return on Equity (ROE) | 10.9871% | 2,181 |
| Retained earnings to average equity (ytd only) | 2.2868% | 4,473 |
| Net charge-offs to loans | 0.3215% | 519 |
| Credit loss provision to net charge-offs | 70.5128% | 2,634 |
| Earnings coverage of net charge-offs (x) | 6.3716% | 2,889 |
| Efficiency ratio | 69.9153% | 2,200 |
| Assets per employee ($millions) | 3.6286% | 4,397 |
| Cash dividends to net income (ytd only)* | 79.1862% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,882 |
| Loan loss allowance to noncurrent loans | 93.6819% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 700 |
| Noncurrent loans to loans | 1.4414% | 1,145 |
| Net loans and leases to total assets | 72.1425% | 2,311 |
| Net loans and leases to deposits | 83.9426% | 2,605 |
| Net loans and leases to core deposits | 85.5963% | 3,038 |
| Total domestic deposits to total assets | 85.9426% | 2,228 |
| Equity capital to assets | 12.4245% | 1,634 |
| Core capital (leverage) ratio | 12.3451% | 1,582 |
| Tier 1 risk-based capital ratio | 15.5603% | 2,622 |
| Total risk-based capital ratio | 16.7971% | 2,563 |
| Memoranda: | ||
| Average total assets | $44,207,000 | 5,106 |
| Average earning assets | $40,002,500 | 5,110 |
| Average equity | $5,363,750 | 5,051 |
| Average total loans | $32,348,000 | 4,810 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 451 |
| Cost of funding earning assets | 0.4142% | 3,609 |
| Net interest margin | 4.9060% | 297 |
| Noninterest income to average assets | 0.5132% | 2,782 |
| Noninterest expense to average assets | 3.5563% | 921 |
| Loan and lease loss provision to assets | 0.1125% | 1,758 |
| Net operating income to assets | 1.2695% | 1,900 |
| Return on assets (ROA) | 1.2695% | 1,901 |
| Pretax return on assets | 1.2695% | 2,632 |
| Return on Equity (ROE) | 10.5453% | 2,312 |
| Retained earnings to average equity (ytd only) | 2.1315% | 4,419 |
| Net charge-offs to loans | 0.3875% | 408 |
| Credit loss provision to net charge-offs | 39.6825% | 2,566 |
| Earnings coverage of net charge-offs (x) | 4.8730% | 2,761 |
| Efficiency ratio | 72.0146% | 2,010 |
| Assets per employee ($millions) | 3.6945% | 4,357 |
| Cash dividends to net income (ytd only)* | 79.7872% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,084 |
| Loan loss allowance to noncurrent loans | 92.8412% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 748 |
| Noncurrent loans to loans | 1.4191% | 1,191 |
| Net loans and leases to total assets | 70.1110% | 2,563 |
| Net loans and leases to deposits | 81.2542% | 2,838 |
| Net loans and leases to core deposits | 82.8217% | 3,176 |
| Total domestic deposits to total assets | 86.2859% | 2,150 |
| Equity capital to assets | 12.1216% | 1,772 |
| Core capital (leverage) ratio | 12.0315% | 1,695 |
| Tier 1 risk-based capital ratio | 16.2819% | 2,341 |
| Total risk-based capital ratio | 17.5332% | 2,276 |
| Memoranda: | ||
| Average total assets | $44,428,330 | 5,160 |
| Average earning assets | $40,073,670 | 5,167 |
| Average equity | $5,348,330 | 5,102 |
| Average total loans | $32,516,330 | 4,854 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2694% | 430 |
| Cost of funding earning assets | 0.4092% | 3,516 |
| Net interest margin | 4.8602% | 303 |
| Noninterest income to average assets | 0.4947% | 2,835 |
| Noninterest expense to average assets | 3.5795% | 885 |
| Loan and lease loss provision to assets | 0.0899% | 2,007 |
| Net operating income to assets | 1.2052% | 1,980 |
| Return on assets (ROA) | 1.2052% | 1,990 |
| Pretax return on assets | 1.2052% | 2,729 |
| Return on Equity (ROE) | 10.0459% | 2,399 |
| Retained earnings to average equity (ytd only) | 2.5490% | 4,154 |
| Net charge-offs to loans | 0.3876% | 404 |
| Credit loss provision to net charge-offs | 31.2500% | 2,057 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,297 |
| Efficiency ratio | 73.4317% | 1,977 |
| Assets per employee ($millions) | 3.4897% | 4,675 |
| Cash dividends to net income (ytd only)* | 74.6269% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,210 |
| Loan loss allowance to noncurrent loans | 105.1220% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.7348% | 724 |
| Noncurrent loans to loans | 1.2445% | 1,459 |
| Net loans and leases to total assets | 71.6726% | 2,227 |
| Net loans and leases to deposits | 82.6975% | 2,524 |
| Net loans and leases to core deposits | 84.2510% | 2,954 |
| Total domestic deposits to total assets | 86.6684% | 2,248 |
| Equity capital to assets | 11.7974% | 1,917 |
| Core capital (leverage) ratio | 11.9301% | 1,696 |
| Tier 1 risk-based capital ratio | 15.3015% | 2,732 |
| Total risk-based capital ratio | 16.5329% | 2,683 |
| Memoranda: | ||
| Average total assets | $44,475,500 | 5,217 |
| Average earning assets | $40,080,500 | 5,221 |
| Average equity | $5,335,500 | 5,160 |
| Average total loans | $33,025,500 | 4,892 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 268 |
| Cost of funding earning assets | 0.3921% | 3,315 |
| Net interest margin | 5.1005% | 193 |
| Noninterest income to average assets | 0.5195% | 2,882 |
| Noninterest expense to average assets | 3.5842% | 912 |
| Loan and lease loss provision to assets | 0.3289% | 508 |
| Net operating income to assets | 1.2091% | 1,491 |
| Return on assets (ROA) | 1.2091% | 1,520 |
| Pretax return on assets | 1.2091% | 2,737 |
| Return on Equity (ROE) | 10.0358% | 1,868 |
| Retained earnings to average equity (ytd only) | 1.0921% | 4,594 |
| Net charge-offs to loans | 0.3591% | 705 |
| Credit loss provision to net charge-offs | 117.8862% | 2,218 |
| Earnings coverage of net charge-offs (x) | 5.5122% | 3,312 |
| Efficiency ratio | 69.9734% | 2,551 |
| Assets per employee ($millions) | 3.3527% | 4,874 |
| Cash dividends to net income (ytd only)* | 89.1182% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,891 |
| Loan loss allowance to noncurrent loans | 184.8980% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.8171% | 677 |
| Noncurrent loans to loans | 0.7401% | 2,358 |
| Net loans and leases to total assets | 74.9157% | 1,770 |
| Net loans and leases to deposits | 86.9075% | 2,144 |
| Net loans and leases to core deposits | 88.6199% | 2,677 |
| Total domestic deposits to total assets | 86.2017% | 2,349 |
| Equity capital to assets | 12.2037% | 1,698 |
| Core capital (leverage) ratio | 12.3057% | 1,442 |
| Tier 1 risk-based capital ratio | 15.1491% | 2,773 |
| Total risk-based capital ratio | 16.3994% | 2,705 |
| Memoranda: | ||
| Average total assets | $44,082,000 | 5,272 |
| Average earning assets | $39,780,800 | 5,277 |
| Average equity | $5,311,000 | 5,218 |
| Average total loans | $34,255,200 | 4,892 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 257 |
| Cost of funding earning assets | 0.3940% | 3,260 |
| Net interest margin | 5.0890% | 192 |
| Noninterest income to average assets | 0.5007% | 3,024 |
| Noninterest expense to average assets | 3.4323% | 1,097 |
| Loan and lease loss provision to assets | 0.2865% | 561 |
| Net operating income to assets | 1.3784% | 1,134 |
| Return on assets (ROA) | 1.3784% | 1,152 |
| Pretax return on assets | 1.3784% | 2,182 |
| Return on Equity (ROE) | 11.4771% | 1,499 |
| Retained earnings to average equity (ytd only) | 2.6871% | 4,289 |
| Net charge-offs to loans | 0.3706% | 566 |
| Credit loss provision to net charge-offs | 98.9583% | 2,331 |
| Earnings coverage of net charge-offs (x) | 5.7498% | 3,060 |
| Efficiency ratio | 67.3373% | 2,992 |
| Assets per employee ($millions) | 3.0896% | 5,188 |
| Cash dividends to net income (ytd only)* | 76.5870% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,437 |
| Loan loss allowance to noncurrent loans | 37.2617% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.6680% | 374 |
| Noncurrent loans to loans | 3.4478% | 323 |
| Net loans and leases to total assets | 76.3883% | 1,518 |
| Net loans and leases to deposits | 88.8940% | 1,942 |
| Net loans and leases to core deposits | 89.9540% | 2,616 |
| Total domestic deposits to total assets | 85.9319% | 2,336 |
| Equity capital to assets | 12.4150% | 1,711 |
| Core capital (leverage) ratio | 12.3151% | 1,506 |
| Tier 1 risk-based capital ratio | 15.3455% | 2,776 |
| Total risk-based capital ratio | 16.5743% | 2,722 |
| Memoranda: | ||
| Average total assets | $44,206,250 | 5,325 |
| Average earning assets | $39,928,500 | 5,335 |
| Average equity | $5,309,000 | 5,279 |
| Average total loans | $34,542,750 | 4,931 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5184% | 238 |
| Cost of funding earning assets | 0.3984% | 3,093 |
| Net interest margin | 5.1199% | 184 |
| Noninterest income to average assets | 0.4806% | 3,143 |
| Noninterest expense to average assets | 3.3420% | 1,287 |
| Loan and lease loss provision to assets | 0.3818% | 363 |
| Net operating income to assets | 1.3745% | 1,121 |
| Return on assets (ROA) | 1.3745% | 1,146 |
| Pretax return on assets | 1.3745% | 2,121 |
| Return on Equity (ROE) | 11.5719% | 1,436 |
| Retained earnings to average equity (ytd only) | 2.1177% | 4,410 |
| Net charge-offs to loans | 0.5043% | 389 |
| Credit loss provision to net charge-offs | 96.5909% | 2,082 |
| Earnings coverage of net charge-offs (x) | 4.4432% | 2,927 |
| Efficiency ratio | 65.5507% | 3,423 |
| Assets per employee ($millions) | 3.0365% | 5,233 |
| Cash dividends to net income (ytd only)* | 81.6993% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,690 |
| Loan loss allowance to noncurrent loans | 33.9413% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.7685% | 356 |
| Noncurrent loans to loans | 3.6824% | 287 |
| Net loans and leases to total assets | 74.2426% | 1,823 |
| Net loans and leases to deposits | 85.5495% | 2,283 |
| Net loans and leases to core deposits | 86.5125% | 2,830 |
| Total domestic deposits to total assets | 86.7832% | 2,047 |
| Equity capital to assets | 11.6778% | 2,169 |
| Core capital (leverage) ratio | 12.0176% | 1,625 |
| Tier 1 risk-based capital ratio | 14.5252% | 3,151 |
| Total risk-based capital ratio | 15.6940% | 3,122 |
| Memoranda: | ||
| Average total assets | $44,523,670 | 5,357 |
| Average earning assets | $40,156,670 | 5,366 |
| Average equity | $5,288,670 | 5,315 |
| Average total loans | $34,900,000 | 4,958 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5352% | 216 |
| Cost of funding earning assets | 0.3883% | 3,114 |
| Net interest margin | 5.1469% | 171 |
| Noninterest income to average assets | 0.4817% | 3,101 |
| Noninterest expense to average assets | 3.7354% | 741 |
| Loan and lease loss provision to assets | 0.1363% | 1,398 |
| Net operating income to assets | 1.3087% | 1,213 |
| Return on assets (ROA) | 1.3087% | 1,247 |
| Pretax return on assets | 1.3087% | 2,205 |
| Return on Equity (ROE) | 10.9225% | 1,595 |
| Retained earnings to average equity (ytd only) | 1.4412% | 4,529 |
| Net charge-offs to loans | 0.6586% | 270 |
| Credit loss provision to net charge-offs | 25.8621% | 2,140 |
| Earnings coverage of net charge-offs (x) | 2.7414% | 2,558 |
| Efficiency ratio | 72.1053% | 2,558 |
| Assets per employee ($millions) | 2.9344% | 5,408 |
| Cash dividends to net income (ytd only)* | 86.8056% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,675 |
| Loan loss allowance to noncurrent loans | 33.6522% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 428 |
| Noncurrent loans to loans | 3.2903% | 383 |
| Net loans and leases to total assets | 78.5260% | 1,049 |
| Net loans and leases to deposits | 90.9770% | 1,427 |
| Net loans and leases to core deposits | 92.6748% | 2,104 |
| Total domestic deposits to total assets | 86.3141% | 2,529 |
| Equity capital to assets | 12.0025% | 1,841 |
| Core capital (leverage) ratio | 12.0818% | 1,576 |
| Tier 1 risk-based capital ratio | 14.4218% | 3,244 |
| Total risk-based capital ratio | 15.4783% | 3,263 |
| Memoranda: | ||
| Average total assets | $44,011,500 | 5,422 |
| Average earning assets | $40,179,500 | 5,428 |
| Average equity | $5,273,500 | 5,366 |
| Average total loans | $35,228,000 | 4,994 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7777% | 168 |
| Cost of funding earning assets | 0.3566% | 3,448 |
| Net interest margin | 5.4212% | 122 |
| Noninterest income to average assets | 0.5698% | 2,821 |
| Noninterest expense to average assets | 3.4075% | 1,340 |
| Loan and lease loss provision to assets | 0.1373% | 1,820 |
| Net operating income to assets | 1.9658% | 346 |
| Return on assets (ROA) | 1.9658% | 364 |
| Pretax return on assets | 1.9658% | 542 |
| Return on Equity (ROE) | 16.5008% | 459 |
| Retained earnings to average equity (ytd only) | 3.0543% | 3,725 |
| Net charge-offs to loans | 0.2207% | 1,251 |
| Credit loss provision to net charge-offs | 75.0000% | 3,057 |
| Earnings coverage of net charge-offs (x) | 11.4875% | 2,535 |
| Efficiency ratio | 61.8355% | 4,281 |
| Assets per employee ($millions) | 3.1434% | 5,224 |
| Cash dividends to net income (ytd only)* | 81.4901% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,037 |
| Loan loss allowance to noncurrent loans | 45.5603% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1497% | 613 |
| Noncurrent loans to loans | 2.6644% | 569 |
| Net loans and leases to total assets | 79.7010% | 933 |
| Net loans and leases to deposits | 92.5191% | 1,367 |
| Net loans and leases to core deposits | 94.8921% | 2,018 |
| Total domestic deposits to total assets | 86.1454% | 2,513 |
| Equity capital to assets | 11.9617% | 1,836 |
| Core capital (leverage) ratio | 11.8291% | 1,705 |
| Tier 1 risk-based capital ratio | 14.4807% | 3,205 |
| Total risk-based capital ratio | 15.6665% | 3,163 |
| Memoranda: | ||
| Average total assets | $43,697,800 | 5,473 |
| Average earning assets | $39,825,400 | 5,475 |
| Average equity | $5,205,800 | 5,432 |
| Average total loans | $36,247,800 | 5,011 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7872% | 169 |
| Cost of funding earning assets | 0.3456% | 3,584 |
| Net interest margin | 5.4417% | 125 |
| Noninterest income to average assets | 0.5777% | 2,777 |
| Noninterest expense to average assets | 3.3714% | 1,409 |
| Loan and lease loss provision to assets | 0.1223% | 1,907 |
| Net operating income to assets | 2.0418% | 319 |
| Return on assets (ROA) | 2.0418% | 331 |
| Pretax return on assets | 2.0418% | 521 |
| Return on Equity (ROE) | 17.1566% | 430 |
| Retained earnings to average equity (ytd only) | 4.3148% | 3,249 |
| Net charge-offs to loans | 0.2342% | 1,005 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | 11.0627% | 2,530 |
| Efficiency ratio | 60.9056% | 4,407 |
| Assets per employee ($millions) | 3.1914% | 5,191 |
| Cash dividends to net income (ytd only)* | 74.8507% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,615 |
| Loan loss allowance to noncurrent loans | 21.3679% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 4.4831% | 172 |
| Noncurrent loans to loans | 5.3346% | 149 |
| Net loans and leases to total assets | 83.0793% | 502 |
| Net loans and leases to deposits | 95.9941% | 1,048 |
| Net loans and leases to core deposits | 97.7639% | 1,834 |
| Total domestic deposits to total assets | 86.5463% | 2,106 |
| Equity capital to assets | 11.8087% | 2,248 |
| Core capital (leverage) ratio | 12.0476% | 1,643 |
| Tier 1 risk-based capital ratio | 22.7345% | 1,039 |
| Total risk-based capital ratio | 23.9928% | 1,023 |
| Memoranda: | ||
| Average total assets | $43,620,500 | 5,529 |
| Average earning assets | $39,741,750 | 5,528 |
| Average equity | $5,191,250 | 5,491 |
| Average total loans | $36,433,500 | 5,044 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 167 |
| Cost of funding earning assets | 0.3245% | 3,853 |
| Net interest margin | 5.4615% | 122 |
| Noninterest income to average assets | 0.5732% | 2,776 |
| Noninterest expense to average assets | 3.4298% | 1,314 |
| Loan and lease loss provision to assets | 0.0924% | 2,304 |
| Net operating income to assets | 2.0292% | 315 |
| Return on assets (ROA) | 2.0292% | 332 |
| Pretax return on assets | 2.0292% | 537 |
| Return on Equity (ROE) | 17.0056% | 440 |
| Retained earnings to average equity (ytd only) | 4.4160% | 3,106 |
| Net charge-offs to loans | 0.1331% | 1,531 |
| Credit loss provision to net charge-offs | 83.3333% | 2,330 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,792 |
| Efficiency ratio | 61.7818% | 4,376 |
| Assets per employee ($millions) | 3.3699% | 4,974 |
| Cash dividends to net income (ytd only)* | 74.0319% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,358 |
| Loan loss allowance to noncurrent loans | 60.3774% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7234% | 1,034 |
| Noncurrent loans to loans | 1.9884% | 1,002 |
| Net loans and leases to total assets | 84.1585% | 408 |
| Net loans and leases to deposits | 98.4486% | 842 |
| Net loans and leases to core deposits | 101.2606% | 1,536 |
| Total domestic deposits to total assets | 85.4847% | 2,652 |
| Equity capital to assets | 11.9199% | 2,178 |
| Core capital (leverage) ratio | 11.8887% | 1,703 |
| Tier 1 risk-based capital ratio | 14.5023% | 3,317 |
| Total risk-based capital ratio | 15.7465% | 3,250 |
| Memoranda: | ||
| Average total assets | $43,267,670 | 5,600 |
| Average earning assets | $39,439,670 | 5,600 |
| Average equity | $5,163,000 | 5,554 |
| Average total loans | $36,062,330 | 5,105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 182 |
| Cost of funding earning assets | 0.3162% | 3,993 |
| Net interest margin | 5.4060% | 132 |
| Noninterest income to average assets | 0.5210% | 2,981 |
| Noninterest expense to average assets | 3.5444% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9071% | 391 |
| Return on assets (ROA) | 1.9071% | 417 |
| Pretax return on assets | 1.9071% | 681 |
| Return on Equity (ROE) | 15.9735% | 538 |
| Retained earnings to average equity (ytd only) | 4.2856% | 3,337 |
| Net charge-offs to loans | 0.1129% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,462 |
| Efficiency ratio | 65.0171% | 3,971 |
| Assets per employee ($millions) | 3.4012% | 4,969 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 3,348 |
| Loan loss allowance to noncurrent loans | 68.7988% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.4791% | 1,391 |
| Noncurrent loans to loans | 1.7776% | 1,246 |
| Net loans and leases to total assets | 80.5568% | 739 |
| Net loans and leases to deposits | 92.8642% | 1,242 |
| Net loans and leases to core deposits | 95.4575% | 1,845 |
| Total domestic deposits to total assets | 86.7469% | 2,329 |
| Equity capital to assets | 11.6722% | 2,270 |
| Core capital (leverage) ratio | 11.7418% | 1,800 |
| Tier 1 risk-based capital ratio | 13.7053% | 3,864 |
| Total risk-based capital ratio | 14.8764% | 3,845 |
| Memoranda: | ||
| Average total assets | $42,997,000 | 5,656 |
| Average earning assets | $39,216,000 | 5,655 |
| Average equity | $5,133,500 | 5,601 |
| Average total loans | $35,435,000 | 5,165 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7801% | 178 |
| Cost of funding earning assets | 0.2831% | 4,444 |
| Net interest margin | 5.4969% | 121 |
| Noninterest income to average assets | 0.6227% | 2,603 |
| Noninterest expense to average assets | 3.4180% | 1,453 |
| Loan and lease loss provision to assets | 0.1278% | 1,888 |
| Net operating income to assets | 2.0843% | 300 |
| Return on assets (ROA) | 2.0843% | 306 |
| Pretax return on assets | 2.0843% | 450 |
| Return on Equity (ROE) | 17.7245% | 401 |
| Retained earnings to average equity (ytd only) | 2.9047% | 3,989 |
| Net charge-offs to loans | 0.0651% | 2,930 |
| Credit loss provision to net charge-offs | 250.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 43.2727% | 1,101 |
| Efficiency ratio | 60.7099% | 4,799 |
| Assets per employee ($millions) | 3.2137% | 5,276 |
| Cash dividends to net income (ytd only)* | 83.6120% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,935 |
| Loan loss allowance to noncurrent loans | 63.0769% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 1,097 |
| Noncurrent loans to loans | 2.0540% | 1,007 |
| Net loans and leases to total assets | 82.2418% | 574 |
| Net loans and leases to deposits | 97.5221% | 856 |
| Net loans and leases to core deposits | 100.4972% | 1,472 |
| Total domestic deposits to total assets | 84.3315% | 3,357 |
| Equity capital to assets | 12.2217% | 1,799 |
| Core capital (leverage) ratio | 12.1241% | 1,547 |
| Tier 1 risk-based capital ratio | 13.9801% | 3,723 |
| Total risk-based capital ratio | 15.2154% | 3,662 |
| Memoranda: | ||
| Average total assets | $43,036,600 | 5,704 |
| Average earning assets | $39,203,600 | 5,700 |
| Average equity | $5,060,800 | 5,643 |
| Average total loans | $33,819,200 | 5,232 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 186 |
| Cost of funding earning assets | 0.2798% | 4,561 |
| Net interest margin | 5.4575% | 136 |
| Noninterest income to average assets | 0.6151% | 2,659 |
| Noninterest expense to average assets | 3.2786% | 1,750 |
| Loan and lease loss provision to assets | 0.1322% | 1,694 |
| Net operating income to assets | 2.1837% | 269 |
| Return on assets (ROA) | 2.1837% | 278 |
| Pretax return on assets | 2.1837% | 434 |
| Return on Equity (ROE) | 18.7472% | 354 |
| Retained earnings to average equity (ytd only) | 4.8848% | 2,996 |
| Net charge-offs to loans | 0.0834% | 2,350 |
| Credit loss provision to net charge-offs | 204.7619% | 1,312 |
| Earnings coverage of net charge-offs (x) | 35.8561% | 1,338 |
| Efficiency ratio | 58.6036% | 5,051 |
| Assets per employee ($millions) | 3.5608% | 4,687 |
| Cash dividends to net income (ytd only)* | 73.9436% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 3,267 |
| Loan loss allowance to noncurrent loans | 94.6352% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 2,119 |
| Noncurrent loans to loans | 1.3399% | 1,909 |
| Net loans and leases to total assets | 80.3599% | 768 |
| Net loans and leases to deposits | 93.0618% | 1,296 |
| Net loans and leases to core deposits | 96.4522% | 1,846 |
| Total domestic deposits to total assets | 86.3512% | 2,359 |
| Equity capital to assets | 12.0457% | 2,065 |
| Core capital (leverage) ratio | 11.9359% | 1,708 |
| Tier 1 risk-based capital ratio | 13.9709% | 3,861 |
| Total risk-based capital ratio | 15.1691% | 3,834 |
| Memoranda: | ||
| Average total assets | $43,351,250 | 5,772 |
| Average earning assets | $39,553,000 | 5,768 |
| Average equity | $5,049,500 | 5,713 |
| Average total loans | $33,571,500 | 5,300 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 209 |
| Cost of funding earning assets | 0.2769% | 4,644 |
| Net interest margin | 5.3874% | 145 |
| Noninterest income to average assets | 0.5648% | 2,945 |
| Noninterest expense to average assets | 3.1635% | 2,084 |
| Loan and lease loss provision to assets | 0.1148% | 1,920 |
| Net operating income to assets | 2.1993% | 258 |
| Return on assets (ROA) | 2.1993% | 274 |
| Pretax return on assets | 2.1993% | 414 |
| Return on Equity (ROE) | 19.0951% | 326 |
| Retained earnings to average equity (ytd only) | 5.1425% | 2,769 |
| Net charge-offs to loans | 0.0965% | 2,051 |
| Credit loss provision to net charge-offs | 156.2500% | 1,494 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,327 |
| Efficiency ratio | 57.7536% | 5,250 |
| Assets per employee ($millions) | 3.6413% | 4,552 |
| Cash dividends to net income (ytd only)* | 73.0689% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 3,564 |
| Loan loss allowance to noncurrent loans | 21.8814% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 4.5633% | 258 |
| Noncurrent loans to loans | 5.6655% | 176 |
| Net loans and leases to total assets | 78.0323% | 1,063 |
| Net loans and leases to deposits | 89.8590% | 1,612 |
| Net loans and leases to core deposits | 93.0417% | 2,061 |
| Total domestic deposits to total assets | 86.8386% | 2,247 |
| Equity capital to assets | 11.6464% | 2,291 |
| Core capital (leverage) ratio | 11.6768% | 1,856 |
| Tier 1 risk-based capital ratio | 13.1152% | 4,448 |
| Total risk-based capital ratio | 14.2187% | 4,451 |
| Memoranda: | ||
| Average total assets | $43,558,670 | 5,828 |
| Average earning assets | $39,722,670 | 5,822 |
| Average equity | $5,017,000 | 5,776 |
| Average total loans | $33,169,330 | 5,357 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 302 |
| Cost of funding earning assets | 0.2807% | 4,663 |
| Net interest margin | 5.1225% | 197 |
| Noninterest income to average assets | 0.5427% | 3,009 |
| Noninterest expense to average assets | 3.0720% | 2,359 |
| Loan and lease loss provision to assets | 0.0920% | 2,161 |
| Net operating income to assets | 2.0786% | 291 |
| Return on assets (ROA) | 2.0786% | 314 |
| Pretax return on assets | 2.0786% | 506 |
| Return on Equity (ROE) | 18.1490% | 373 |
| Retained earnings to average equity (ytd only) | 4.0956% | 3,547 |
| Net charge-offs to loans | 0.0739% | 1,968 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 982 |
| Efficiency ratio | 58.5965% | 5,263 |
| Assets per employee ($millions) | 3.6668% | 4,580 |
| Cash dividends to net income (ytd only)* | 77.4336% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 3,400 |
| Loan loss allowance to noncurrent loans | 96.1364% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 2,562 |
| Noncurrent loans to loans | 1.3526% | 2,122 |
| Net loans and leases to total assets | 72.9711% | 1,660 |
| Net loans and leases to deposits | 83.7389% | 2,116 |
| Net loans and leases to core deposits | 86.6753% | 2,473 |
| Total domestic deposits to total assets | 87.1412% | 2,298 |
| Equity capital to assets | 11.3838% | 2,571 |
| Core capital (leverage) ratio | 11.3939% | 2,088 |
| Tier 1 risk-based capital ratio | 13.3684% | 4,384 |
| Total risk-based capital ratio | 14.4973% | 4,383 |
| Memoranda: | ||
| Average total assets | $43,490,000 | 5,881 |
| Average earning assets | $39,902,500 | 5,870 |
| Average equity | $4,981,000 | 5,838 |
| Average total loans | $32,491,500 | 5,419 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 220 |
| Cost of funding earning assets | 0.2889% | 4,911 |
| Net interest margin | 5.4276% | 152 |
| Noninterest income to average assets | 0.5955% | 2,886 |
| Noninterest expense to average assets | 3.4029% | 1,692 |
| Loan and lease loss provision to assets | 0.0851% | 2,771 |
| Net operating income to assets | 2.0393% | 307 |
| Return on assets (ROA) | 2.0393% | 313 |
| Pretax return on assets | 2.0393% | 479 |
| Return on Equity (ROE) | 17.3097% | 457 |
| Retained earnings to average equity (ytd only) | 4.4151% | 3,040 |
| Net charge-offs to loans | 0.0509% | 3,812 |
| Credit loss provision to net charge-offs | 218.7500% | 1,142 |
| Earnings coverage of net charge-offs (x) | 54.6250% | 856 |
| Efficiency ratio | 61.5655% | 4,977 |
| Assets per employee ($millions) | 3.5816% | 4,755 |
| Cash dividends to net income (ytd only)* | 74.4934% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 3,476 |
| Loan loss allowance to noncurrent loans | 96.9907% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 2,613 |
| Noncurrent loans to loans | 1.3312% | 2,210 |
| Net loans and leases to total assets | 74.5317% | 1,492 |
| Net loans and leases to deposits | 85.7047% | 2,022 |
| Net loans and leases to core deposits | 88.1820% | 2,477 |
| Total domestic deposits to total assets | 86.9634% | 2,309 |
| Equity capital to assets | 11.5242% | 2,413 |
| Core capital (leverage) ratio | 11.5612% | 1,935 |
| Tier 1 risk-based capital ratio | 14.4506% | 3,806 |
| Total risk-based capital ratio | 15.6718% | 3,758 |
| Memoranda: | ||
| Average total assets | $41,140,800 | 6,007 |
| Average earning assets | $37,382,800 | 6,003 |
| Average equity | $4,847,000 | 5,896 |
| Average total loans | $31,408,200 | 5,512 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7556% | 209 |
| Cost of funding earning assets | 0.2925% | 4,959 |
| Net interest margin | 5.4631% | 142 |
| Noninterest income to average assets | 0.5801% | 2,988 |
| Noninterest expense to average assets | 3.4217% | 1,608 |
| Loan and lease loss provision to assets | 0.0819% | 2,712 |
| Net operating income to assets | 2.0353% | 324 |
| Return on assets (ROA) | 2.0353% | 337 |
| Pretax return on assets | 2.0353% | 523 |
| Return on Equity (ROE) | 17.1762% | 531 |
| Retained earnings to average equity (ytd only) | 4.7296% | 3,257 |
| Net charge-offs to loans | 0.0556% | 3,424 |
| Credit loss provision to net charge-offs | 192.3077% | 1,309 |
| Earnings coverage of net charge-offs (x) | 49.7005% | 984 |
| Efficiency ratio | 61.7751% | 4,920 |
| Assets per employee ($millions) | 3.4749% | 4,907 |
| Cash dividends to net income (ytd only)* | 72.4643% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 3,909 |
| Loan loss allowance to noncurrent loans | 83.5366% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 2,506 |
| Noncurrent loans to loans | 1.5019% | 2,159 |
| Net loans and leases to total assets | 77.5726% | 1,010 |
| Net loans and leases to deposits | 89.5121% | 1,479 |
| Net loans and leases to core deposits | 92.1987% | 2,021 |
| Total domestic deposits to total assets | 86.6616% | 2,494 |
| Equity capital to assets | 11.7701% | 2,250 |
| Core capital (leverage) ratio | 12.0307% | 1,686 |
| Tier 1 risk-based capital ratio | 14.3995% | 3,944 |
| Total risk-based capital ratio | 15.6034% | 3,918 |
| Memoranda: | ||
| Average total assets | $40,681,250 | 6,090 |
| Average earning assets | $36,925,250 | 6,092 |
| Average equity | $4,820,500 | 5,965 |
| Average total loans | $31,147,250 | 5,579 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 209 |
| Cost of funding earning assets | 0.2956% | 5,009 |
| Net interest margin | 5.4356% | 144 |
| Noninterest income to average assets | 0.5850% | 2,895 |
| Noninterest expense to average assets | 3.4108% | 1,655 |
| Loan and lease loss provision to assets | 0.0496% | 3,313 |
| Net operating income to assets | 2.0475% | 303 |
| Return on assets (ROA) | 2.0475% | 321 |
| Pretax return on assets | 2.0475% | 495 |
| Return on Equity (ROE) | 17.2395% | 532 |
| Retained earnings to average equity (ytd only) | 4.7169% | 3,142 |
| Net charge-offs to loans | 0.0261% | 3,670 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 105.7500% | 536 |
| Efficiency ratio | 61.9262% | 5,024 |
| Assets per employee ($millions) | 3.1292% | 5,546 |
| Cash dividends to net income (ytd only)* | 72.6392% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,864 |
| Loan loss allowance to noncurrent loans | 75.5597% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 2,426 |
| Noncurrent loans to loans | 1.7165% | 2,013 |
| Net loans and leases to total assets | 75.7670% | 1,204 |
| Net loans and leases to deposits | 87.5799% | 1,643 |
| Net loans and leases to core deposits | 90.2838% | 2,101 |
| Total domestic deposits to total assets | 86.5118% | 2,751 |
| Equity capital to assets | 11.9272% | 2,041 |
| Core capital (leverage) ratio | 11.9670% | 1,677 |
| Tier 1 risk-based capital ratio | 14.8676% | 3,704 |
| Total risk-based capital ratio | 16.1071% | 3,657 |
| Memoranda: | ||
| Average total assets | $40,342,000 | 6,162 |
| Average earning assets | $36,536,670 | 6,157 |
| Average equity | $4,791,330 | 6,013 |
| Average total loans | $30,610,330 | 5,640 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7233% | 213 |
| Cost of funding earning assets | 0.2977% | 5,088 |
| Net interest margin | 5.4256% | 140 |
| Noninterest income to average assets | 0.6074% | 2,696 |
| Noninterest expense to average assets | 3.4949% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0113% | 337 |
| Return on assets (ROA) | 2.0113% | 348 |
| Pretax return on assets | 2.0113% | 521 |
| Return on Equity (ROE) | 16.9712% | 538 |
| Retained earnings to average equity (ytd only) | 4.3688% | 3,505 |
| Net charge-offs to loans | 0.0264% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 453 |
| Efficiency ratio | 63.4720% | 4,941 |
| Assets per employee ($millions) | 3.1035% | 5,684 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,137 |
| Loan loss allowance to noncurrent loans | 38.5589% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 2.6075% | 1,194 |
| Noncurrent loans to loans | 3.3638% | 899 |
| Net loans and leases to total assets | 74.6933% | 1,162 |
| Net loans and leases to deposits | 86.2232% | 1,572 |
| Net loans and leases to core deposits | 90.8474% | 1,840 |
| Total domestic deposits to total assets | 86.6278% | 3,028 |
| Equity capital to assets | 11.8577% | 1,974 |
| Core capital (leverage) ratio | 11.8629% | 1,728 |
| Tier 1 risk-based capital ratio | 14.9444% | 3,740 |
| Total risk-based capital ratio | 16.1781% | 3,705 |
| Memoranda: | ||
| Average total assets | $40,173,000 | 6,228 |
| Average earning assets | $36,272,500 | 6,226 |
| Average equity | $4,761,000 | 6,056 |
| Average total loans | $30,302,000 | 5,706 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 354 |
| Cost of funding earning assets | 0.3311% | 5,314 |
| Net interest margin | 5.1874% | 219 |
| Noninterest income to average assets | 0.5922% | 3,136 |
| Noninterest expense to average assets | 3.2139% | 2,373 |
| Loan and lease loss provision to assets | 0.0597% | 3,945 |
| Net operating income to assets | 2.0319% | 324 |
| Return on assets (ROA) | 2.0319% | 326 |
| Pretax return on assets | 2.0319% | 447 |
| Return on Equity (ROE) | 18.2940% | 386 |
| Retained earnings to average equity (ytd only) | 5.3958% | 2,348 |
| Net charge-offs to loans | 0.0823% | 4,061 |
| Credit loss provision to net charge-offs | 104.1667% | 2,328 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,021 |
| Efficiency ratio | 60.5761% | 5,401 |
| Assets per employee ($millions) | 3.0770% | 5,713 |
| Cash dividends to net income (ytd only)* | 70.5053% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 3,999 |
| Loan loss allowance to noncurrent loans | 61.7647% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 2,195 |
| Noncurrent loans to loans | 2.1481% | 1,830 |
| Net loans and leases to total assets | 74.1831% | 1,315 |
| Net loans and leases to deposits | 86.7306% | 1,605 |
| Net loans and leases to core deposits | 91.4904% | 1,846 |
| Total domestic deposits to total assets | 85.5329% | 3,493 |
| Equity capital to assets | 11.8447% | 1,914 |
| Core capital (leverage) ratio | 11.7413% | 1,799 |
| Tier 1 risk-based capital ratio | 14.9217% | 3,719 |
| Total risk-based capital ratio | 16.1706% | 3,663 |
| Memoranda: | ||
| Average total assets | $41,881,000 | 6,230 |
| Average earning assets | $38,054,000 | 6,219 |
| Average equity | $4,651,800 | 6,153 |
| Average total loans | $29,162,000 | 5,801 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4788% | 384 |
| Cost of funding earning assets | 0.3392% | 5,389 |
| Net interest margin | 5.1396% | 239 |
| Noninterest income to average assets | 0.5509% | 3,449 |
| Noninterest expense to average assets | 3.1734% | 2,440 |
| Loan and lease loss provision to assets | 0.0157% | 4,698 |
| Net operating income to assets | 2.0369% | 339 |
| Return on assets (ROA) | 2.0369% | 350 |
| Pretax return on assets | 2.0369% | 534 |
| Return on Equity (ROE) | 18.6307% | 397 |
| Retained earnings to average equity (ytd only) | 6.3925% | 2,189 |
| Net charge-offs to loans | 0.1106% | 3,433 |
| Credit loss provision to net charge-offs | 20.8333% | 4,062 |
| Earnings coverage of net charge-offs (x) | 27.1659% | 1,322 |
| Efficiency ratio | 60.7229% | 5,322 |
| Assets per employee ($millions) | 3.1708% | 5,560 |
| Cash dividends to net income (ytd only)* | 65.6871% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 4,519 |
| Loan loss allowance to noncurrent loans | 67.7362% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4240% | 2,820 |
| Noncurrent loans to loans | 1.8819% | 2,394 |
| Net loans and leases to total assets | 71.3956% | 1,705 |
| Net loans and leases to deposits | 81.9754% | 2,141 |
| Net loans and leases to core deposits | 86.2493% | 2,383 |
| Total domestic deposits to total assets | 87.0940% | 2,639 |
| Equity capital to assets | 11.4141% | 2,364 |
| Core capital (leverage) ratio | 11.2262% | 2,273 |
| Tier 1 risk-based capital ratio | 14.8360% | 3,852 |
| Total risk-based capital ratio | 16.0320% | 3,848 |
| Memoranda: | ||
| Average total assets | $42,351,000 | 6,284 |
| Average earning assets | $38,523,250 | 6,287 |
| Average equity | $4,630,250 | 6,237 |
| Average total loans | $28,934,250 | 5,868 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3924% | 455 |
| Cost of funding earning assets | 0.3534% | 5,371 |
| Net interest margin | 5.0391% | 290 |
| Noninterest income to average assets | 0.5336% | 3,617 |
| Noninterest expense to average assets | 3.0893% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0502% | 329 |
| Return on assets (ROA) | 2.0502% | 344 |
| Pretax return on assets | 2.0502% | 543 |
| Return on Equity (ROE) | 19.0214% | 380 |
| Retained earnings to average equity (ytd only) | 7.0788% | 1,855 |
| Net charge-offs to loans | 0.1047% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 1,166 |
| Efficiency ratio | 60.1093% | 5,473 |
| Assets per employee ($millions) | 3.1229% | 5,634 |
| Cash dividends to net income (ytd only)* | 62.7854% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,161 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 3,735 |
| Noncurrent loans to loans | 1.4862% | 3,079 |
| Net loans and leases to total assets | 63.1427% | 3,076 |
| Net loans and leases to deposits | 71.7691% | 3,483 |
| Net loans and leases to core deposits | 73.9552% | 3,816 |
| Total domestic deposits to total assets | 87.9803% | 2,256 |
| Equity capital to assets | 10.6610% | 3,105 |
| Core capital (leverage) ratio | 10.7769% | 2,591 |
| Tier 1 risk-based capital ratio | 15.1858% | 3,651 |
| Total risk-based capital ratio | 16.4355% | 3,624 |
| Memoranda: | ||
| Average total assets | $42,727,670 | 6,322 |
| Average earning assets | $39,054,670 | 6,312 |
| Average equity | $4,605,330 | 6,295 |
| Average total loans | $28,642,330 | 5,905 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7751% | 244 |
| Cost of funding earning assets | 0.3635% | 5,422 |
| Net interest margin | 5.4116% | 144 |
| Noninterest income to average assets | 0.5304% | 3,568 |
| Noninterest expense to average assets | 3.1351% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3300% | 192 |
| Return on assets (ROA) | 2.3300% | 211 |
| Pretax return on assets | 2.3300% | 340 |
| Return on Equity (ROE) | 21.4965% | 220 |
| Retained earnings to average equity (ytd only) | 8.3889% | 1,609 |
| Net charge-offs to loans | -0.0414% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3657% | 5,915 |
| Assets per employee ($millions) | 3.2954% | 5,443 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 4,106 |
| Loan loss allowance to noncurrent loans | 264.4737% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 5,358 |
| Noncurrent loans to loans | 0.5392% | 5,099 |
| Net loans and leases to total assets | 64.8623% | 2,562 |
| Net loans and leases to deposits | 73.8348% | 2,937 |
| Net loans and leases to core deposits | 78.0753% | 3,053 |
| Total domestic deposits to total assets | 87.8478% | 2,417 |
| Equity capital to assets | 10.7960% | 3,202 |
| Core capital (leverage) ratio | 10.8947% | 2,359 |
| Tier 1 risk-based capital ratio | 14.9799% | 3,849 |
| Total risk-based capital ratio | 16.2307% | 3,806 |
| Memoranda: | ||
| Average total assets | $42,231,500 | 6,397 |
| Average earning assets | $38,510,000 | 6,384 |
| Average equity | $4,577,500 | 6,377 |
| Average total loans | $28,968,500 | 5,938 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 377 |
| Cost of funding earning assets | 0.4545% | 5,549 |
| Net interest margin | 5.3328% | 225 |
| Noninterest income to average assets | 0.5642% | 3,487 |
| Noninterest expense to average assets | 3.2193% | 2,550 |
| Loan and lease loss provision to assets | 0.1440% | 3,805 |
| Net operating income to assets | 2.0454% | 330 |
| Return on assets (ROA) | 2.0454% | 359 |
| Pretax return on assets | 2.0454% | 555 |
| Return on Equity (ROE) | 19.2656% | 337 |
| Retained earnings to average equity (ytd only) | 6.2636% | 1,942 |
| Net charge-offs to loans | 0.2220% | 3,618 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 13.8182% | 1,785 |
| Efficiency ratio | 59.5206% | 5,614 |
| Assets per employee ($millions) | 3.2018% | 5,619 |
| Cash dividends to net income (ytd only)* | 67.4883% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,465 |
| Loan loss allowance to noncurrent loans | 62.5786% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 3,002 |
| Noncurrent loans to loans | 2.1380% | 2,539 |
| Net loans and leases to total assets | 70.5139% | 1,738 |
| Net loans and leases to deposits | 80.3405% | 2,235 |
| Net loans and leases to core deposits | 85.1514% | 2,409 |
| Total domestic deposits to total assets | 87.7688% | 2,367 |
| Equity capital to assets | 10.8834% | 3,083 |
| Core capital (leverage) ratio | 10.5586% | 2,694 |
| Tier 1 risk-based capital ratio | 14.1222% | 4,297 |
| Total risk-based capital ratio | 15.3737% | 4,251 |
| Memoranda: | ||
| Average total assets | $41,654,400 | 6,443 |
| Average earning assets | $37,841,000 | 6,438 |
| Average equity | $4,422,400 | 6,461 |
| Average total loans | $29,726,400 | 5,961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 405 |
| Cost of funding earning assets | 0.4718% | 5,625 |
| Net interest margin | 5.3168% | 235 |
| Noninterest income to average assets | 0.5505% | 3,609 |
| Noninterest expense to average assets | 3.1587% | 2,687 |
| Loan and lease loss provision to assets | 0.1280% | 3,949 |
| Net operating income to assets | 2.0962% | 334 |
| Return on assets (ROA) | 2.0962% | 374 |
| Pretax return on assets | 2.0962% | 580 |
| Return on Equity (ROE) | 19.8683% | 335 |
| Retained earnings to average equity (ytd only) | 8.4932% | 1,412 |
| Net charge-offs to loans | 0.2377% | 3,297 |
| Credit loss provision to net charge-offs | 75.4717% | 3,754 |
| Earnings coverage of net charge-offs (x) | 13.1141% | 1,948 |
| Efficiency ratio | 58.6801% | 5,699 |
| Assets per employee ($millions) | 3.3234% | 5,388 |
| Cash dividends to net income (ytd only)* | 57.2523% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,751 |
| Loan loss allowance to noncurrent loans | 34.5102% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 2.6826% | 1,962 |
| Noncurrent loans to loans | 3.8062% | 1,385 |
| Net loans and leases to total assets | 67.9937% | 2,298 |
| Net loans and leases to deposits | 77.0700% | 2,798 |
| Net loans and leases to core deposits | 81.1559% | 3,071 |
| Total domestic deposits to total assets | 88.2233% | 1,893 |
| Equity capital to assets | 10.4990% | 3,847 |
| Core capital (leverage) ratio | 10.6907% | 2,713 |
| Tier 1 risk-based capital ratio | 13.8913% | 4,617 |
| Total risk-based capital ratio | 15.1002% | 4,608 |
| Memoranda: | ||
| Average total assets | $41,662,250 | 6,521 |
| Average earning assets | $37,866,250 | 6,516 |
| Average equity | $4,395,500 | 6,539 |
| Average total loans | $29,721,000 | 6,039 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8888% | 351 |
| Cost of funding earning assets | 0.5095% | 5,562 |
| Net interest margin | 5.3793% | 219 |
| Noninterest income to average assets | 0.5687% | 3,462 |
| Noninterest expense to average assets | 3.1836% | 2,649 |
| Loan and lease loss provision to assets | 0.1215% | 4,003 |
| Net operating income to assets | 2.1386% | 309 |
| Return on assets (ROA) | 2.1386% | 350 |
| Pretax return on assets | 2.1386% | 536 |
| Return on Equity (ROE) | 20.2361% | 340 |
| Retained earnings to average equity (ytd only) | 8.7383% | 1,361 |
| Net charge-offs to loans | 0.1077% | 4,105 |
| Credit loss provision to net charge-offs | 156.2500% | 1,774 |
| Earnings coverage of net charge-offs (x) | 29.0625% | 1,095 |
| Efficiency ratio | 58.4821% | 5,806 |
| Assets per employee ($millions) | 3.7497% | 4,419 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,662 |
| Loan loss allowance to noncurrent loans | 36.9410% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 2.7735% | 1,990 |
| Noncurrent loans to loans | 3.6601% | 1,559 |
| Net loans and leases to total assets | 73.0550% | 1,387 |
| Net loans and leases to deposits | 83.0774% | 1,967 |
| Net loans and leases to core deposits | 84.2834% | 2,654 |
| Total domestic deposits to total assets | 87.9361% | 2,186 |
| Equity capital to assets | 10.7838% | 3,359 |
| Core capital (leverage) ratio | 10.6773% | 2,631 |
| Tier 1 risk-based capital ratio | 13.6965% | 4,667 |
| Total risk-based capital ratio | 14.9470% | 4,645 |
| Memoranda: | ||
| Average total assets | $41,148,330 | 6,584 |
| Average earning assets | $37,291,330 | 6,581 |
| Average equity | $4,348,670 | 6,588 |
| Average total loans | $29,705,670 | 6,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 417 |
| Cost of funding earning assets | 0.5478% | 5,509 |
| Net interest margin | 5.2637% | 274 |
| Noninterest income to average assets | 0.5742% | 3,388 |
| Noninterest expense to average assets | 3.2410% | 2,470 |
| Loan and lease loss provision to assets | 0.0973% | 4,129 |
| Net operating income to assets | 2.0049% | 413 |
| Return on assets (ROA) | 2.0049% | 474 |
| Pretax return on assets | 2.0049% | 729 |
| Return on Equity (ROE) | 19.1672% | 440 |
| Retained earnings to average equity (ytd only) | 7.5366% | 2,160 |
| Net charge-offs to loans | 0.0956% | 3,570 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 30.8571% | 902 |
| Efficiency ratio | 60.6557% | 5,515 |
| Assets per employee ($millions) | 3.7604% | 4,516 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,715 |
| Loan loss allowance to noncurrent loans | 32.5060% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 3.0824% | 1,891 |
| Noncurrent loans to loans | 4.2250% | 1,427 |
| Net loans and leases to total assets | 70.4864% | 1,672 |
| Net loans and leases to deposits | 79.8707% | 2,217 |
| Net loans and leases to core deposits | 83.9674% | 2,551 |
| Total domestic deposits to total assets | 88.2507% | 2,160 |
| Equity capital to assets | 10.4922% | 3,500 |
| Core capital (leverage) ratio | 10.5303% | 2,718 |
| Tier 1 risk-based capital ratio | 13.4978% | 4,828 |
| Total risk-based capital ratio | 14.7486% | 4,813 |
| Memoranda: | ||
| Average total assets | $41,099,000 | 6,645 |
| Average earning assets | $37,236,500 | 6,632 |
| Average equity | $4,299,000 | 6,636 |
| Average total loans | $29,285,500 | 6,149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 495 |
| Cost of funding earning assets | 0.7425% | 5,261 |
| Net interest margin | 5.1812% | 295 |
| Noninterest income to average assets | 0.6274% | 3,018 |
| Noninterest expense to average assets | 3.4207% | 2,191 |
| Loan and lease loss provision to assets | 0.3639% | 2,821 |
| Net operating income to assets | 1.5535% | 738 |
| Return on assets (ROA) | 1.5535% | 797 |
| Pretax return on assets | 1.5535% | 1,330 |
| Return on Equity (ROE) | 14.8570% | 773 |
| Retained earnings to average equity (ytd only) | 4.1763% | 3,206 |
| Net charge-offs to loans | 0.4553% | 3,164 |
| Credit loss provision to net charge-offs | 116.9355% | 2,760 |
| Earnings coverage of net charge-offs (x) | 6.1613% | 2,576 |
| Efficiency ratio | 64.0809% | 5,111 |
| Assets per employee ($millions) | 3.4028% | 5,238 |
| Cash dividends to net income (ytd only)* | 71.8901% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,494 |
| Loan loss allowance to noncurrent loans | 33.4992% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 3.0171% | 1,993 |
| Noncurrent loans to loans | 4.1573% | 1,480 |
| Net loans and leases to total assets | 70.0519% | 2,020 |
| Net loans and leases to deposits | 79.3019% | 2,641 |
| Net loans and leases to core deposits | 83.4427% | 2,964 |
| Total domestic deposits to total assets | 88.3357% | 1,949 |
| Equity capital to assets | 10.4276% | 3,615 |
| Core capital (leverage) ratio | 10.4466% | 2,794 |
| Tier 1 risk-based capital ratio | 13.3585% | 4,799 |
| Total risk-based capital ratio | 14.6078% | 4,774 |
| Memoranda: | ||
| Average total assets | $39,846,000 | 6,680 |
| Average earning assets | $36,227,000 | 6,670 |
| Average equity | $4,166,400 | 6,710 |
| Average total loans | $27,235,200 | 6,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9101% | 549 |
| Cost of funding earning assets | 0.7720% | 5,322 |
| Net interest margin | 5.1381% | 315 |
| Noninterest income to average assets | 0.6094% | 3,107 |
| Noninterest expense to average assets | 3.4243% | 2,127 |
| Loan and lease loss provision to assets | 0.2862% | 3,228 |
| Net operating income to assets | 1.5825% | 796 |
| Return on assets (ROA) | 1.5825% | 871 |
| Pretax return on assets | 1.5825% | 1,427 |
| Return on Equity (ROE) | 15.1237% | 825 |
| Retained earnings to average equity (ytd only) | 4.8268% | 3,296 |
| Net charge-offs to loans | 0.2289% | 4,005 |
| Credit loss provision to net charge-offs | 184.7826% | 1,592 |
| Earnings coverage of net charge-offs (x) | 12.0655% | 1,744 |
| Efficiency ratio | 64.6947% | 4,953 |
| Assets per employee ($millions) | 4.0001% | 3,842 |
| Cash dividends to net income (ytd only)* | 68.0859% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,977 |
| Loan loss allowance to noncurrent loans | 30.8199% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 3.4799% | 1,815 |
| Noncurrent loans to loans | 4.9534% | 1,264 |
| Net loans and leases to total assets | 67.8883% | 2,503 |
| Net loans and leases to deposits | 77.0383% | 3,162 |
| Net loans and leases to core deposits | 81.1523% | 3,459 |
| Total domestic deposits to total assets | 88.1228% | 1,977 |
| Equity capital to assets | 10.6097% | 3,561 |
| Core capital (leverage) ratio | 10.3958% | 2,991 |
| Tier 1 risk-based capital ratio | 14.0175% | 4,341 |
| Total risk-based capital ratio | 15.2690% | 4,314 |
| Memoranda: | ||
| Average total assets | $39,599,000 | 6,748 |
| Average earning assets | $36,095,500 | 6,734 |
| Average equity | $4,143,500 | 6,766 |
| Average total loans | $26,791,750 | 6,372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 642 |
| Cost of funding earning assets | 0.7954% | 5,404 |
| Net interest margin | 5.0615% | 357 |
| Noninterest income to average assets | 0.5473% | 3,490 |
| Noninterest expense to average assets | 3.4866% | 2,016 |
| Loan and lease loss provision to assets | 0.1267% | 4,706 |
| Net operating income to assets | 1.5457% | 813 |
| Return on assets (ROA) | 1.5457% | 865 |
| Pretax return on assets | 1.5457% | 1,386 |
| Return on Equity (ROE) | 14.8418% | 828 |
| Retained earnings to average equity (ytd only) | 5.1095% | 2,935 |
| Net charge-offs to loans | 0.2639% | 3,572 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 1,924 |
| Efficiency ratio | 67.5835% | 4,592 |
| Assets per employee ($millions) | 3.3562% | 5,310 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 4,604 |
| Loan loss allowance to noncurrent loans | 44.5509% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 2,939 |
| Noncurrent loans to loans | 3.1292% | 2,298 |
| Net loans and leases to total assets | 65.3325% | 3,177 |
| Net loans and leases to deposits | 73.8873% | 3,819 |
| Net loans and leases to core deposits | 75.0121% | 4,435 |
| Total domestic deposits to total assets | 88.4218% | 1,909 |
| Equity capital to assets | 10.3690% | 3,667 |
| Core capital (leverage) ratio | 10.3614% | 2,867 |
| Tier 1 risk-based capital ratio | 14.1298% | 4,073 |
| Total risk-based capital ratio | 15.3815% | 4,044 |
| Memoranda: | ||
| Average total assets | $39,465,000 | 6,809 |
| Average earning assets | $35,957,670 | 6,800 |
| Average equity | $4,110,000 | 6,818 |
| Average total loans | $26,530,000 | 6,451 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8676% | 646 |
| Cost of funding earning assets | 0.8190% | 5,470 |
| Net interest margin | 5.0486% | 343 |
| Noninterest income to average assets | 0.5325% | 3,628 |
| Noninterest expense to average assets | 3.4408% | 2,169 |
| Loan and lease loss provision to assets | 0.1536% | 4,102 |
| Net operating income to assets | 1.5463% | 787 |
| Return on assets (ROA) | 1.5463% | 823 |
| Pretax return on assets | 1.5463% | 1,307 |
| Return on Equity (ROE) | 14.8148% | 853 |
| Retained earnings to average equity (ytd only) | 5.0037% | 3,196 |
| Net charge-offs to loans | 0.1361% | 3,701 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,179 |
| Efficiency ratio | 66.9323% | 4,865 |
| Assets per employee ($millions) | 3.0287% | 6,100 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,363 |
| Loan loss allowance to noncurrent loans | 48.8080% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.1868% | 3,080 |
| Noncurrent loans to loans | 3.0045% | 2,507 |
| Net loans and leases to total assets | 66.3856% | 2,906 |
| Net loans and leases to deposits | 75.1243% | 3,564 |
| Net loans and leases to core deposits | 80.0502% | 3,750 |
| Total domestic deposits to total assets | 88.3677% | 2,160 |
| Equity capital to assets | 10.3853% | 3,303 |
| Core capital (leverage) ratio | 10.3731% | 2,734 |
| Tier 1 risk-based capital ratio | 15.5124% | 3,160 |
| Total risk-based capital ratio | 16.7640% | 3,105 |
| Memoranda: | ||
| Average total assets | $39,060,500 | 6,866 |
| Average earning assets | $35,653,500 | 6,856 |
| Average equity | $4,077,000 | 6,856 |
| Average total loans | $26,453,000 | 6,502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3949% | 384 |
| Cost of funding earning assets | 0.9164% | 6,099 |
| Net interest margin | 5.4785% | 177 |
| Noninterest income to average assets | 0.6456% | 3,183 |
| Noninterest expense to average assets | 3.6144% | 1,891 |
| Loan and lease loss provision to assets | 0.2204% | 5,066 |
| Net operating income to assets | 1.8331% | 382 |
| Return on assets (ROA) | 1.8331% | 420 |
| Pretax return on assets | 1.8331% | 714 |
| Return on Equity (ROE) | 17.5443% | 421 |
| Retained earnings to average equity (ytd only) | 3.8960% | 3,141 |
| Net charge-offs to loans | 0.4068% | 4,011 |
| Credit loss provision to net charge-offs | 78.7037% | 5,600 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,152 |
| Efficiency ratio | 63.7694% | 5,389 |
| Assets per employee ($millions) | 3.2290% | 5,599 |
| Cash dividends to net income (ytd only)* | 77.7935% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 4,292 |
| Loan loss allowance to noncurrent loans | 45.7485% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 2,982 |
| Noncurrent loans to loans | 3.1654% | 2,401 |
| Net loans and leases to total assets | 67.0925% | 3,194 |
| Net loans and leases to deposits | 76.0346% | 3,832 |
| Net loans and leases to core deposits | 81.1417% | 4,040 |
| Total domestic deposits to total assets | 88.2394% | 2,099 |
| Equity capital to assets | 10.4909% | 3,166 |
| Core capital (leverage) ratio | 10.2549% | 2,812 |
| Tier 1 risk-based capital ratio | 14.1046% | 3,806 |
| Total risk-based capital ratio | 15.3548% | 3,767 |
| Memoranda: | ||
| Average total assets | $38,567,800 | 6,919 |
| Average earning assets | $35,356,200 | 6,905 |
| Average equity | $4,029,800 | 6,991 |
| Average total loans | $26,548,600 | 6,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4174% | 395 |
| Cost of funding earning assets | 0.9238% | 6,292 |
| Net interest margin | 5.4936% | 175 |
| Noninterest income to average assets | 0.6334% | 3,233 |
| Noninterest expense to average assets | 3.3399% | 2,457 |
| Loan and lease loss provision to assets | 0.2077% | 4,984 |
| Net operating income to assets | 2.1286% | 276 |
| Return on assets (ROA) | 2.1286% | 295 |
| Pretax return on assets | 2.1286% | 475 |
| Return on Equity (ROE) | 20.3924% | 289 |
| Retained earnings to average equity (ytd only) | 6.3002% | 2,200 |
| Net charge-offs to loans | 0.2958% | 4,181 |
| Credit loss provision to net charge-offs | 101.6949% | 4,239 |
| Earnings coverage of net charge-offs (x) | 11.4414% | 1,790 |
| Efficiency ratio | 58.8415% | 6,135 |
| Assets per employee ($millions) | 3.5495% | 4,854 |
| Cash dividends to net income (ytd only)* | 69.1053% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,124 |
| Loan loss allowance to noncurrent loans | 91.2360% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2729% | 4,599 |
| Noncurrent loans to loans | 1.6073% | 4,230 |
| Net loans and leases to total assets | 69.8699% | 2,761 |
| Net loans and leases to deposits | 79.1620% | 3,606 |
| Net loans and leases to core deposits | 84.4242% | 3,882 |
| Total domestic deposits to total assets | 88.2620% | 1,819 |
| Equity capital to assets | 10.5163% | 3,490 |
| Core capital (leverage) ratio | 10.4302% | 2,764 |
| Tier 1 risk-based capital ratio | 13.8002% | 3,982 |
| Total risk-based capital ratio | 15.0505% | 3,939 |
| Memoranda: | ||
| Average total assets | $38,522,750 | 6,999 |
| Average earning assets | $35,361,250 | 6,981 |
| Average equity | $4,021,000 | 7,083 |
| Average total loans | $26,591,000 | 6,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4561% | 365 |
| Cost of funding earning assets | 0.9207% | 6,497 |
| Net interest margin | 5.5355% | 157 |
| Noninterest income to average assets | 0.6102% | 3,258 |
| Noninterest expense to average assets | 3.3586% | 2,375 |
| Loan and lease loss provision to assets | 0.1043% | 5,873 |
| Net operating income to assets | 2.2269% | 220 |
| Return on assets (ROA) | 2.2269% | 242 |
| Pretax return on assets | 2.2269% | 391 |
| Return on Equity (ROE) | 21.3892% | 238 |
| Retained earnings to average equity (ytd only) | 7.6140% | 1,592 |
| Net charge-offs to loans | 0.2059% | 4,383 |
| Credit loss provision to net charge-offs | 74.0741% | 4,854 |
| Earnings coverage of net charge-offs (x) | 16.5556% | 1,394 |
| Efficiency ratio | 59.0284% | 6,217 |
| Assets per employee ($millions) | 3.5189% | 4,875 |
| Cash dividends to net income (ytd only)* | 64.4028% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 4,048 |
| Loan loss allowance to noncurrent loans | 212.8342% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 6,031 |
| Noncurrent loans to loans | 0.6922% | 5,859 |
| Net loans and leases to total assets | 68.7610% | 3,182 |
| Net loans and leases to deposits | 77.8382% | 4,005 |
| Net loans and leases to core deposits | 79.0989% | 4,788 |
| Total domestic deposits to total assets | 88.3383% | 1,807 |
| Equity capital to assets | 10.4965% | 3,414 |
| Core capital (leverage) ratio | 10.4665% | 2,654 |
| Tier 1 risk-based capital ratio | 13.9667% | 3,756 |
| Total risk-based capital ratio | 15.2166% | 3,715 |
| Memoranda: | ||
| Average total assets | $38,349,000 | 7,057 |
| Average earning assets | $35,191,330 | 7,034 |
| Average equity | $3,992,670 | 7,125 |
| Average total loans | $26,226,000 | 6,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3983% | 437 |
| Cost of funding earning assets | 0.9352% | 6,636 |
| Net interest margin | 5.4630% | 188 |
| Noninterest income to average assets | 0.5973% | 3,290 |
| Noninterest expense to average assets | 3.2906% | 2,557 |
| Loan and lease loss provision to assets | 0.0524% | 6,144 |
| Net operating income to assets | 2.2741% | 221 |
| Return on assets (ROA) | 2.2741% | 245 |
| Pretax return on assets | 2.2741% | 369 |
| Return on Equity (ROE) | 21.9330% | 276 |
| Retained earnings to average equity (ytd only) | 9.2988% | 1,319 |
| Net charge-offs to loans | 0.2323% | 3,539 |
| Credit loss provision to net charge-offs | 33.3333% | 4,762 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,407 |
| Efficiency ratio | 58.5821% | 6,398 |
| Assets per employee ($millions) | 3.4975% | 5,032 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,869 |
| Loan loss allowance to noncurrent loans | 177.9279% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,825 |
| Noncurrent loans to loans | 0.8476% | 5,621 |
| Net loans and leases to total assets | 67.0496% | 3,618 |
| Net loans and leases to deposits | 75.7792% | 4,456 |
| Net loans and leases to core deposits | 91.3262% | 3,197 |
| Total domestic deposits to total assets | 88.4802% | 1,802 |
| Equity capital to assets | 10.3917% | 3,355 |
| Core capital (leverage) ratio | 10.4417% | 2,681 |
| Tier 1 risk-based capital ratio | 14.1479% | 3,569 |
| Total risk-based capital ratio | 15.4010% | 3,532 |
| Memoranda: | ||
| Average total assets | $38,169,500 | 7,149 |
| Average earning assets | $35,072,000 | 7,125 |
| Average equity | $3,957,500 | 7,206 |
| Average total loans | $25,832,000 | 6,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5331% | 622 |
| Cost of funding earning assets | 1.1508% | 6,821 |
| Net interest margin | 5.3823% | 215 |
| Noninterest income to average assets | 0.5837% | 3,757 |
| Noninterest expense to average assets | 3.3544% | 2,822 |
| Loan and lease loss provision to assets | 0.2931% | 5,081 |
| Net operating income to assets | 1.9193% | 278 |
| Return on assets (ROA) | 1.9193% | 287 |
| Pretax return on assets | 1.9193% | 488 |
| Return on Equity (ROE) | 19.6247% | 264 |
| Retained earnings to average equity (ytd only) | 6.5937% | 1,126 |
| Net charge-offs to loans | 0.2646% | 4,962 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 12.5797% | 1,496 |
| Efficiency ratio | 60.2564% | 6,447 |
| Assets per employee ($millions) | 3.1555% | 5,842 |
| Cash dividends to net income (ytd only)* | 66.4011% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,326 |
| Loan loss allowance to noncurrent loans | 251.5528% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 6,138 |
| Noncurrent loans to loans | 0.6320% | 5,973 |
| Net loans and leases to total assets | 66.2019% | 4,105 |
| Net loans and leases to deposits | 74.7629% | 4,914 |
| Net loans and leases to core deposits | 98.1173% | 4,209 |
| Total domestic deposits to total assets | 88.5491% | 1,701 |
| Equity capital to assets | 10.3444% | 3,345 |
| Core capital (leverage) ratio | 10.1733% | 2,922 |
| Tier 1 risk-based capital ratio | 14.1430% | 3,409 |
| Total risk-based capital ratio | 15.3970% | 3,365 |
| Memoranda: | ||
| Average total assets | $39,232,400 | 7,127 |
| Average earning assets | $36,323,000 | 7,087 |
| Average equity | $3,837,000 | 7,344 |
| Average total loans | $26,080,600 | 6,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5553% | 670 |
| Cost of funding earning assets | 1.1919% | 6,915 |
| Net interest margin | 5.3635% | 227 |
| Noninterest income to average assets | 0.5424% | 4,137 |
| Noninterest expense to average assets | 3.2276% | 3,204 |
| Loan and lease loss provision to assets | 0.2190% | 5,227 |
| Net operating income to assets | 2.0687% | 249 |
| Return on assets (ROA) | 2.0687% | 277 |
| Pretax return on assets | 2.0687% | 477 |
| Return on Equity (ROE) | 21.4475% | 226 |
| Retained earnings to average equity (ytd only) | 8.3484% | 1,026 |
| Net charge-offs to loans | 0.3405% | 3,934 |
| Credit loss provision to net charge-offs | 97.0149% | 5,266 |
| Earnings coverage of net charge-offs (x) | 10.1344% | 2,001 |
| Efficiency ratio | 58.5217% | 6,646 |
| Assets per employee ($millions) | 3.1373% | 5,818 |
| Cash dividends to net income (ytd only)* | 61.0749% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,034 |
| Loan loss allowance to noncurrent loans | 238.9262% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 6,001 |
| Noncurrent loans to loans | 0.5791% | 6,160 |
| Net loans and leases to total assets | 67.4024% | 4,092 |
| Net loans and leases to deposits | 76.1029% | 5,024 |
| Net loans and leases to core deposits | 101.6016% | 4,201 |
| Total domestic deposits to total assets | 88.5675% | 1,402 |
| Equity capital to assets | 10.4019% | 3,613 |
| Core capital (leverage) ratio | 10.0254% | 3,252 |
| Tier 1 risk-based capital ratio | 14.0520% | 3,519 |
| Total risk-based capital ratio | 15.3027% | 3,467 |
| Memoranda: | ||
| Average total assets | $39,574,000 | 7,173 |
| Average earning assets | $36,691,750 | 7,128 |
| Average equity | $3,817,000 | 7,410 |
| Average total loans | $26,232,500 | 6,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4723% | 870 |
| Cost of funding earning assets | 1.2430% | 6,982 |
| Net interest margin | 5.2293% | 283 |
| Noninterest income to average assets | 0.4824% | 4,604 |
| Noninterest expense to average assets | 3.1380% | 3,548 |
| Loan and lease loss provision to assets | 0.1741% | 5,312 |
| Net operating income to assets | 2.0241% | 283 |
| Return on assets (ROA) | 2.0241% | 305 |
| Pretax return on assets | 2.0241% | 529 |
| Return on Equity (ROE) | 21.5116% | 260 |
| Retained earnings to average equity (ytd only) | 8.2981% | 1,121 |
| Net charge-offs to loans | 0.4091% | 3,155 |
| Credit loss provision to net charge-offs | 64.8148% | 5,512 |
| Earnings coverage of net charge-offs (x) | 8.1852% | 2,299 |
| Efficiency ratio | 58.8071% | 6,721 |
| Assets per employee ($millions) | 3.1953% | 5,597 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,348 |
| Loan loss allowance to noncurrent loans | 117.3010% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 5,289 |
| Noncurrent loans to loans | 1.0969% | 5,015 |
| Net loans and leases to total assets | 67.8281% | 4,178 |
| Net loans and leases to deposits | 76.1782% | 5,143 |
| Net loans and leases to core deposits | 95.5018% | 4,962 |
| Total domestic deposits to total assets | 89.0387% | 1,246 |
| Equity capital to assets | 10.0224% | 3,910 |
| Core capital (leverage) ratio | 9.4378% | 3,979 |
| Tier 1 risk-based capital ratio | 13.5167% | 3,810 |
| Total risk-based capital ratio | 14.7276% | 3,761 |
| Memoranda: | ||
| Average total assets | $40,216,330 | 7,198 |
| Average earning assets | $37,328,330 | 7,163 |
| Average equity | $3,784,000 | 7,481 |
| Average total loans | $26,399,670 | 6,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2841% | 1,348 |
| Cost of funding earning assets | 1.3906% | 6,769 |
| Net interest margin | 4.8934% | 509 |
| Noninterest income to average assets | 0.4277% | 4,977 |
| Noninterest expense to average assets | 2.8479% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1287% | 264 |
| Return on assets (ROA) | 2.1287% | 308 |
| Pretax return on assets | 2.1287% | 510 |
| Return on Equity (ROE) | 23.3320% | 245 |
| Retained earnings to average equity (ytd only) | 10.0146% | 1,194 |
| Net charge-offs to loans | 0.1816% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,471 |
| Efficiency ratio | 57.2266% | 6,801 |
| Assets per employee ($millions) | 3.4474% | 4,954 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 3,925 |
| Loan loss allowance to noncurrent loans | 71.7842% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 4,164 |
| Noncurrent loans to loans | 1.8492% | 3,492 |
| Net loans and leases to total assets | 62.1722% | 5,290 |
| Net loans and leases to deposits | 69.1008% | 6,063 |
| Net loans and leases to core deposits | 89.4142% | 5,613 |
| Total domestic deposits to total assets | 89.9732% | 816 |
| Equity capital to assets | 9.1880% | 5,101 |
| Core capital (leverage) ratio | 8.9914% | 4,727 |
| Tier 1 risk-based capital ratio | 13.1275% | 4,103 |
| Total risk-based capital ratio | 14.3482% | 4,034 |
| Memoranda: | ||
| Average total assets | $41,152,500 | 7,197 |
| Average earning assets | $38,255,500 | 7,156 |
| Average equity | $3,754,500 | 7,538 |
| Average total loans | $26,426,000 | 6,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8096% | 1,647 |
| Cost of funding earning assets | 2.1952% | 5,622 |
| Net interest margin | 4.6144% | 1,137 |
| Noninterest income to average assets | 0.5984% | 3,853 |
| Noninterest expense to average assets | 2.6950% | 5,291 |
| Loan and lease loss provision to assets | 0.1839% | 5,057 |
| Net operating income to assets | 1.9618% | 388 |
| Return on assets (ROA) | 1.9618% | 373 |
| Pretax return on assets | 1.9618% | 675 |
| Return on Equity (ROE) | 22.7700% | 226 |
| Retained earnings to average equity (ytd only) | 6.1194% | 1,475 |
| Net charge-offs to loans | 0.3308% | 3,190 |
| Credit loss provision to net charge-offs | 84.2697% | 5,798 |
| Earnings coverage of net charge-offs (x) | 9.8315% | 2,627 |
| Efficiency ratio | 55.6738% | 7,059 |
| Assets per employee ($millions) | 3.7215% | 4,127 |
| Cash dividends to net income (ytd only)* | 73.1250% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 3,550 |
| Loan loss allowance to noncurrent loans | 53.3532% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 2,970 |
| Noncurrent loans to loans | 2.5050% | 2,174 |
| Net loans and leases to total assets | 64.5593% | 5,160 |
| Net loans and leases to deposits | 71.6478% | 6,097 |
| Net loans and leases to core deposits | 93.0760% | 5,538 |
| Total domestic deposits to total assets | 90.1065% | 605 |
| Equity capital to assets | 9.0580% | 5,289 |
| Core capital (leverage) ratio | 8.7630% | 5,093 |
| Tier 1 risk-based capital ratio | 12.6535% | 4,319 |
| Total risk-based capital ratio | 13.9025% | 4,240 |
| Memoranda: | ||
| Average total assets | $40,778,600 | 7,181 |
| Average earning assets | $37,491,400 | 7,171 |
| Average equity | $3,513,400 | 7,677 |
| Average total loans | $26,907,000 | 6,904 |