Home > Farmers State Bank of Medora > Performance and Condition Ratios
Farmers State Bank of Medora, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 4,408 |
| Cost of funding earning assets | 0.2517% | 4,411 |
| Net interest margin | 3.2033% | 2,867 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.4750% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4337% | 3,799 |
| Return on assets (ROA) | 0.4337% | 3,798 |
| Pretax return on assets | 0.4337% | 3,915 |
| Return on Equity (ROE) | 5.2300% | 3,685 |
| Retained earnings to average equity (ytd only) | 5.2254% | 2,523 |
| Net charge-offs to loans | -0.0428% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.0904% | 608 |
| Assets per employee ($millions) | 4.5180% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 2,989 |
| Loan loss allowance to noncurrent loans | 116.1765% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 1,749 |
| Noncurrent loans to loans | 0.9193% | 811 |
| Net loans and leases to total assets | 32.3900% | 4,245 |
| Net loans and leases to deposits | 35.8585% | 4,275 |
| Net loans and leases to core deposits | 35.8585% | 4,343 |
| Total domestic deposits to total assets | 90.3400% | 668 |
| Equity capital to assets | 9.4732% | 2,365 |
| Core capital (leverage) ratio | 15.0786% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2643% | 236 |
| Memoranda: | ||
| Average total assets | $22,828,200 | 4,514 |
| Average earning assets | $20,260,200 | 4,480 |
| Average equity | $1,894,600 | 4,494 |
| Average total loans | $7,012,400 | 4,441 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 4,404 |
| Cost of funding earning assets | 0.2436% | 4,409 |
| Net interest margin | 3.1991% | 2,917 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 2.4117% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4777% | 3,807 |
| Return on assets (ROA) | 0.4777% | 3,813 |
| Pretax return on assets | 0.4777% | 3,940 |
| Return on Equity (ROE) | 5.9600% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.9638% | 2,646 |
| Net charge-offs to loans | -0.0578% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.4677% | 646 |
| Assets per employee ($millions) | 4.4944% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,040 |
| Loan loss allowance to noncurrent loans | 202.5641% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,423 |
| Noncurrent loans to loans | 0.5263% | 1,504 |
| Net loans and leases to total assets | 32.6200% | 4,275 |
| Net loans and leases to deposits | 35.4309% | 4,307 |
| Net loans and leases to core deposits | 35.4309% | 4,331 |
| Total domestic deposits to total assets | 92.0700% | 439 |
| Equity capital to assets | 7.6985% | 3,247 |
| Core capital (leverage) ratio | 14.0309% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1506% | 283 |
| Memoranda: | ||
| Average total assets | $22,887,750 | 4,540 |
| Average earning assets | $20,255,250 | 4,507 |
| Average equity | $1,833,250 | 4,520 |
| Average total loans | $6,916,250 | 4,466 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 4,429 |
| Cost of funding earning assets | 0.2357% | 4,391 |
| Net interest margin | 3.1424% | 3,129 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.4754% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3561% | 4,081 |
| Return on assets (ROA) | 0.3561% | 4,102 |
| Pretax return on assets | 0.3561% | 4,172 |
| Return on Equity (ROE) | 4.3900% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.3905% | 3,105 |
| Net charge-offs to loans | -0.0592% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.4233% | 449 |
| Assets per employee ($millions) | 4.5446% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 2,835 |
| Loan loss allowance to noncurrent loans | 222.8571% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,470 |
| Noncurrent loans to loans | 0.5032% | 1,453 |
| Net loans and leases to total assets | 30.2700% | 4,325 |
| Net loans and leases to deposits | 33.0625% | 4,352 |
| Net loans and leases to core deposits | 33.0625% | 4,373 |
| Total domestic deposits to total assets | 91.5500% | 498 |
| Equity capital to assets | 8.1899% | 3,091 |
| Core capital (leverage) ratio | 14.5077% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2865% | 233 |
| Memoranda: | ||
| Average total assets | $23,026,333 | 4,566 |
| Average earning assets | $20,366,333 | 4,535 |
| Average equity | $1,867,667 | 4,549 |
| Average total loans | $6,751,667 | 4,497 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 4,369 |
| Cost of funding earning assets | 0.1946% | 4,390 |
| Net interest margin | 3.2103% | 3,090 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 2.5539% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3451% | 4,175 |
| Return on assets (ROA) | 0.3451% | 4,131 |
| Pretax return on assets | 0.3451% | 4,210 |
| Return on Equity (ROE) | 4.2700% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.2712% | 3,191 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0952% | 415 |
| Assets per employee ($millions) | 4.5016% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,385 |
| Loan loss allowance to noncurrent loans | 460.0000% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,134 |
| Noncurrent loans to loans | 0.2239% | 2,368 |
| Net loans and leases to total assets | 29.4500% | 4,374 |
| Net loans and leases to deposits | 32.2516% | 4,404 |
| Net loans and leases to core deposits | 32.2516% | 4,419 |
| Total domestic deposits to total assets | 91.3200% | 697 |
| Equity capital to assets | 8.4503% | 2,930 |
| Core capital (leverage) ratio | 13.4160% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0427% | 214 |
| Memoranda: | ||
| Average total assets | $23,180,000 | 4,623 |
| Average earning assets | $20,559,000 | 4,597 |
| Average equity | $1,873,000 | 4,616 |
| Average total loans | $6,650,000 | 4,568 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7905% | 4,331 |
| Cost of funding earning assets | 0.2016% | 3,749 |
| Net interest margin | 2.5889% | 4,192 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.3564% | 2,564 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | -0.0082% | 4,579 |
| Return on assets (ROA) | -0.0082% | 4,567 |
| Pretax return on assets | -0.0082% | 4,560 |
| Return on Equity (ROE) | -0.0900% | 4,550 |
| Retained earnings to average equity (ytd only) | -0.9526% | 4,447 |
| Net charge-offs to loans | 0.1237% | 627 |
| Credit loss provision to net charge-offs | 28.5714% | 1,900 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.0000% | 147 |
| Assets per employee ($millions) | 4.7704% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,203 |
| Loan loss allowance to noncurrent loans | 81.9277% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 1,465 |
| Noncurrent loans to loans | 1.2572% | 551 |
| Net loans and leases to total assets | 27.3900% | 4,451 |
| Net loans and leases to deposits | 29.7731% | 4,480 |
| Net loans and leases to core deposits | 29.7731% | 4,486 |
| Total domestic deposits to total assets | 92.0100% | 640 |
| Equity capital to assets | 7.7310% | 3,231 |
| Core capital (leverage) ratio | 13.3018% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5812% | 249 |
| Memoranda: | ||
| Average total assets | $24,401,200 | 4,651 |
| Average earning assets | $21,824,200 | 4,624 |
| Average equity | $2,204,600 | 4,666 |
| Average total loans | $5,659,600 | 4,615 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6592% | 4,330 |
| Cost of funding earning assets | 0.2181% | 3,059 |
| Net interest margin | 2.4411% | 4,273 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.3201% | 2,569 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | -0.1032% | 4,623 |
| Return on assets (ROA) | -0.1032% | 4,601 |
| Pretax return on assets | -0.1032% | 4,597 |
| Return on Equity (ROE) | -1.1000% | 4,593 |
| Retained earnings to average equity (ytd only) | -1.1039% | 4,432 |
| Net charge-offs to loans | -0.0246% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 104.1463% | 127 |
| Assets per employee ($millions) | 5.1694% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,361 |
| Loan loss allowance to noncurrent loans | 16.3090% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 158 |
| Noncurrent loans to loans | 9.0661% | 20 |
| Net loans and leases to total assets | 19.5900% | 4,597 |
| Net loans and leases to deposits | 20.9846% | 4,605 |
| Net loans and leases to core deposits | 20.9846% | 4,600 |
| Total domestic deposits to total assets | 93.3600% | 484 |
| Equity capital to assets | 6.4727% | 3,752 |
| Core capital (leverage) ratio | 13.1466% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9066% | 200 |
| Memoranda: | ||
| Average total assets | $24,538,500 | 4,686 |
| Average earning assets | $22,011,000 | 4,659 |
| Average equity | $2,294,750 | 4,695 |
| Average total loans | $5,424,000 | 4,655 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6210% | 4,254 |
| Cost of funding earning assets | 0.2215% | 2,630 |
| Net interest margin | 2.3995% | 4,228 |
| Noninterest income to average assets | 0.0249% | 4,694 |
| Noninterest expense to average assets | 2.3068% | 2,531 |
| Loan and lease loss provision to assets | 0.0166% | 2,304 |
| Net operating income to assets | -0.1411% | 4,626 |
| Return on assets (ROA) | -0.1411% | 4,598 |
| Pretax return on assets | -0.1411% | 4,585 |
| Return on Equity (ROE) | -1.3589% | 4,597 |
| Retained earnings to average equity (ytd only) | -1.3589% | 4,327 |
| Net charge-offs to loans | -0.0362% | 4,117 |
| Credit loss provision to net charge-offs | -200.0000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7034% | 135 |
| Assets per employee ($millions) | 4.6222% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,962 |
| Loan loss allowance to noncurrent loans | 40.3226% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 651 |
| Noncurrent loans to loans | 3.3441% | 141 |
| Net loans and leases to total assets | 23.7419% | 4,601 |
| Net loans and leases to deposits | 25.8687% | 4,620 |
| Net loans and leases to core deposits | 25.8687% | 4,628 |
| Total domestic deposits to total assets | 91.7788% | 934 |
| Equity capital to assets | 8.0438% | 3,090 |
| Core capital (leverage) ratio | 13.2917% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4418% | 172 |
| Memoranda: | ||
| Average total assets | $24,102,333 | 4,723 |
| Average earning assets | $21,671,000 | 4,711 |
| Average equity | $2,502,000 | 4,715 |
| Average total loans | $5,518,667 | 4,716 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5896% | 4,137 |
| Cost of funding earning assets | 0.2173% | 2,563 |
| Net interest margin | 2.3723% | 4,122 |
| Noninterest income to average assets | 0.0163% | 4,728 |
| Noninterest expense to average assets | 2.3091% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1626% | 4,626 |
| Return on assets (ROA) | -0.1626% | 4,610 |
| Pretax return on assets | -0.1626% | 4,604 |
| Return on Equity (ROE) | -1.4167% | 4,605 |
| Retained earnings to average equity (ytd only) | -1.4167% | 4,183 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5758% | 152 |
| Assets per employee ($millions) | 4.8848% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,045 |
| Loan loss allowance to noncurrent loans | 42.1965% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 800 |
| Noncurrent loans to loans | 3.2379% | 149 |
| Net loans and leases to total assets | 21.5771% | 4,651 |
| Net loans and leases to deposits | 24.1002% | 4,664 |
| Net loans and leases to core deposits | 24.1002% | 4,664 |
| Total domestic deposits to total assets | 89.5308% | 1,798 |
| Equity capital to assets | 10.2891% | 1,693 |
| Core capital (leverage) ratio | 12.4975% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2581% | 162 |
| Memoranda: | ||
| Average total assets | $24,598,000 | 4,743 |
| Average earning assets | $22,088,500 | 4,729 |
| Average equity | $2,823,500 | 4,725 |
| Average total loans | $5,497,000 | 4,745 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4765% | 4,499 |
| Cost of funding earning assets | 0.2707% | 2,698 |
| Net interest margin | 2.2059% | 4,482 |
| Noninterest income to average assets | 0.0327% | 4,749 |
| Noninterest expense to average assets | 2.3252% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.3269% | 4,738 |
| Return on assets (ROA) | -0.3269% | 4,744 |
| Pretax return on assets | -0.2942% | 4,741 |
| Return on Equity (ROE) | -2.3080% | 4,741 |
| Retained earnings to average equity (ytd only) | -2.8562% | 4,655 |
| Net charge-offs to loans | -0.0348% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4869% | 77 |
| Assets per employee ($millions) | 4.9544% | 3,771 |
| Cash dividends to net income (ytd only)* | -23.7500% | 4,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,398 |
| Loan loss allowance to noncurrent loans | 17.6755% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.6672% | 233 |
| Noncurrent loans to loans | 7.3084% | 31 |
| Net loans and leases to total assets | 22.5174% | 4,682 |
| Net loans and leases to deposits | 25.8516% | 4,692 |
| Net loans and leases to core deposits | 25.8516% | 4,699 |
| Total domestic deposits to total assets | 87.1024% | 2,474 |
| Equity capital to assets | 12.6514% | 1,014 |
| Core capital (leverage) ratio | 12.8948% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3656% | 173 |
| Memoranda: | ||
| Average total assets | $24,470,800 | 4,779 |
| Average earning assets | $22,168,200 | 4,767 |
| Average equity | $3,466,200 | 4,745 |
| Average total loans | $5,746,000 | 4,786 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4715% | 4,587 |
| Cost of funding earning assets | 0.2833% | 2,766 |
| Net interest margin | 2.1882% | 4,579 |
| Noninterest income to average assets | 0.0328% | 4,830 |
| Noninterest expense to average assets | 2.3829% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.4099% | 4,821 |
| Return on assets (ROA) | -0.4099% | 4,827 |
| Pretax return on assets | -0.3662% | 4,820 |
| Return on Equity (ROE) | -2.8174% | 4,818 |
| Retained earnings to average equity (ytd only) | -2.8174% | 4,736 |
| Net charge-offs to loans | -0.0231% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1572% | 78 |
| Assets per employee ($millions) | 4.9660% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,774 |
| Loan loss allowance to noncurrent loans | 15.1579% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9130% | 206 |
| Noncurrent loans to loans | 8.2052% | 26 |
| Net loans and leases to total assets | 23.0246% | 4,756 |
| Net loans and leases to deposits | 26.5944% | 4,759 |
| Net loans and leases to core deposits | 26.5944% | 4,771 |
| Total domestic deposits to total assets | 86.5767% | 2,519 |
| Equity capital to assets | 13.0648% | 966 |
| Core capital (leverage) ratio | 13.2374% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4605% | 155 |
| Memoranda: | ||
| Average total assets | $24,395,500 | 4,853 |
| Average earning assets | $22,118,000 | 4,840 |
| Average equity | $3,549,250 | 4,808 |
| Average total loans | $5,769,750 | 4,856 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5097% | 4,609 |
| Cost of funding earning assets | 0.2931% | 2,841 |
| Net interest margin | 2.2166% | 4,584 |
| Noninterest income to average assets | 0.0247% | 4,878 |
| Noninterest expense to average assets | 2.4164% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.4618% | 4,865 |
| Return on assets (ROA) | -0.4618% | 4,867 |
| Pretax return on assets | -0.3959% | 4,854 |
| Return on Equity (ROE) | -3.0677% | 4,858 |
| Retained earnings to average equity (ytd only) | -3.0677% | 4,723 |
| Net charge-offs to loans | -0.0694% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5918% | 75 |
| Assets per employee ($millions) | 4.7802% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,631 |
| Loan loss allowance to noncurrent loans | 28.8000% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 713 |
| Noncurrent loans to loans | 4.3806% | 115 |
| Net loans and leases to total assets | 23.5764% | 4,786 |
| Net loans and leases to deposits | 27.3146% | 4,791 |
| Net loans and leases to core deposits | 27.3146% | 4,810 |
| Total domestic deposits to total assets | 86.3144% | 2,619 |
| Equity capital to assets | 13.4095% | 840 |
| Core capital (leverage) ratio | 12.9353% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1393% | 163 |
| Memoranda: | ||
| Average total assets | $24,250,667 | 4,890 |
| Average earning assets | $21,835,333 | 4,876 |
| Average equity | $3,651,000 | 4,832 |
| Average total loans | $5,763,333 | 4,893 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4758% | 4,660 |
| Cost of funding earning assets | 0.3118% | 2,873 |
| Net interest margin | 2.1640% | 4,642 |
| Noninterest income to average assets | 0.0328% | 4,885 |
| Noninterest expense to average assets | 2.3909% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.5568% | 4,898 |
| Return on assets (ROA) | -0.5568% | 4,898 |
| Pretax return on assets | -0.4258% | 4,882 |
| Return on Equity (ROE) | -3.5106% | 4,885 |
| Retained earnings to average equity (ytd only) | -3.5106% | 4,627 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6667% | 67 |
| Assets per employee ($millions) | 5.1458% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,950 |
| Loan loss allowance to noncurrent loans | 32.1101% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 1,049 |
| Noncurrent loans to loans | 3.7284% | 162 |
| Net loans and leases to total assets | 22.4533% | 4,834 |
| Net loans and leases to deposits | 27.6531% | 4,822 |
| Net loans and leases to core deposits | 27.6531% | 4,835 |
| Total domestic deposits to total assets | 81.1963% | 4,031 |
| Equity capital to assets | 16.8604% | 324 |
| Core capital (leverage) ratio | 13.0559% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8258% | 173 |
| Memoranda: | ||
| Average total assets | $24,425,500 | 4,913 |
| Average earning assets | $21,811,000 | 4,902 |
| Average equity | $3,874,000 | 4,834 |
| Average total loans | $5,791,500 | 4,918 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0972% | 4,569 |
| Cost of funding earning assets | 0.4276% | 3,419 |
| Net interest margin | 2.6696% | 4,418 |
| Noninterest income to average assets | 0.0420% | 4,874 |
| Noninterest expense to average assets | 2.5856% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.2894% | 4,836 |
| Return on assets (ROA) | -0.2894% | 4,853 |
| Pretax return on assets | -0.1540% | 4,808 |
| Return on Equity (ROE) | -1.8604% | 4,846 |
| Retained earnings to average equity (ytd only) | -2.4305% | 4,738 |
| Net charge-offs to loans | 0.0791% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -6.6000% | 3,389 |
| Efficiency ratio | 106.3340% | 134 |
| Assets per employee ($millions) | 4.6244% | 3,787 |
| Cash dividends to net income (ytd only)* | -30.6452% | 4,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,840 |
| Loan loss allowance to noncurrent loans | 37.6344% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 1,271 |
| Noncurrent loans to loans | 3.2427% | 243 |
| Net loans and leases to total assets | 24.5048% | 4,848 |
| Net loans and leases to deposits | 28.9303% | 4,847 |
| Net loans and leases to core deposits | 28.9303% | 4,860 |
| Total domestic deposits to total assets | 84.7029% | 2,880 |
| Equity capital to assets | 14.7479% | 617 |
| Core capital (leverage) ratio | 15.2868% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8885% | 134 |
| Memoranda: | ||
| Average total assets | $21,426,000 | 4,943 |
| Average earning assets | $19,178,800 | 4,933 |
| Average equity | $3,332,600 | 4,894 |
| Average total loans | $6,320,600 | 4,942 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 4,510 |
| Cost of funding earning assets | 0.4209% | 3,698 |
| Net interest margin | 2.8534% | 4,257 |
| Noninterest income to average assets | 0.0444% | 4,901 |
| Noninterest expense to average assets | 2.5838% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.1460% | 4,826 |
| Return on assets (ROA) | -0.1460% | 4,838 |
| Pretax return on assets | 0.0000% | 4,784 |
| Return on Equity (ROE) | -0.9256% | 4,831 |
| Retained earnings to average equity (ytd only) | -0.9256% | 4,608 |
| Net charge-offs to loans | 0.1237% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,143 |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 4.5620% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,153 |
| Loan loss allowance to noncurrent loans | 12.8015% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.3630% | 237 |
| Noncurrent loans to loans | 8.6726% | 36 |
| Net loans and leases to total assets | 26.9443% | 4,872 |
| Net loans and leases to deposits | 31.9223% | 4,880 |
| Net loans and leases to core deposits | 31.9223% | 4,890 |
| Total domestic deposits to total assets | 84.4060% | 2,672 |
| Equity capital to assets | 15.1162% | 609 |
| Core capital (leverage) ratio | 15.1459% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0035% | 204 |
| Memoranda: | ||
| Average total assets | $21,002,000 | 4,975 |
| Average earning assets | $18,691,000 | 4,966 |
| Average equity | $3,313,250 | 4,922 |
| Average total loans | $6,466,750 | 4,974 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 4,493 |
| Cost of funding earning assets | 0.4331% | 3,882 |
| Net interest margin | 3.0094% | 4,106 |
| Noninterest income to average assets | 0.0392% | 4,936 |
| Noninterest expense to average assets | 2.6766% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1177% | 4,835 |
| Return on assets (ROA) | -0.1177% | 4,838 |
| Pretax return on assets | 0.0196% | 4,776 |
| Return on Equity (ROE) | -0.7343% | 4,834 |
| Retained earnings to average equity (ytd only) | -0.7343% | 4,440 |
| Net charge-offs to loans | 0.2137% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 2,932 |
| Efficiency ratio | 99.2727% | 193 |
| Assets per employee ($millions) | 4.2774% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,068 |
| Loan loss allowance to noncurrent loans | 36.7568% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 1,434 |
| Noncurrent loans to loans | 2.9906% | 325 |
| Net loans and leases to total assets | 28.6062% | 4,878 |
| Net loans and leases to deposits | 34.2017% | 4,882 |
| Net loans and leases to core deposits | 34.2017% | 4,899 |
| Total domestic deposits to total assets | 83.6396% | 2,871 |
| Equity capital to assets | 16.0097% | 471 |
| Core capital (leverage) ratio | 15.7141% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3201% | 211 |
| Memoranda: | ||
| Average total assets | $20,399,333 | 5,010 |
| Average earning assets | $18,010,000 | 5,003 |
| Average equity | $3,268,333 | 4,956 |
| Average total loans | $6,550,667 | 5,005 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,467 |
| Cost of funding earning assets | 0.4394% | 4,200 |
| Net interest margin | 3.2145% | 3,821 |
| Noninterest income to average assets | 0.0603% | 4,948 |
| Noninterest expense to average assets | 2.8937% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0402% | 4,770 |
| Return on assets (ROA) | -0.0402% | 4,760 |
| Pretax return on assets | -0.0402% | 4,754 |
| Return on Equity (ROE) | -0.2507% | 4,759 |
| Retained earnings to average equity (ytd only) | -0.2507% | 4,031 |
| Net charge-offs to loans | 0.2376% | 604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 2,491 |
| Efficiency ratio | 101.4085% | 215 |
| Assets per employee ($millions) | 3.9894% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,111 |
| Loan loss allowance to noncurrent loans | 13.2959% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.6771% | 248 |
| Noncurrent loans to loans | 8.3909% | 41 |
| Net loans and leases to total assets | 31.5486% | 4,877 |
| Net loans and leases to deposits | 37.3118% | 4,886 |
| Net loans and leases to core deposits | 37.3118% | 4,910 |
| Total domestic deposits to total assets | 84.5541% | 2,582 |
| Equity capital to assets | 15.2304% | 721 |
| Core capital (leverage) ratio | 14.9884% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6735% | 292 |
| Memoranda: | ||
| Average total assets | $19,905,500 | 5,059 |
| Average earning assets | $17,296,500 | 5,057 |
| Average equity | $3,190,500 | 5,007 |
| Average total loans | $6,733,000 | 5,048 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 4,513 |
| Cost of funding earning assets | 0.3814% | 4,504 |
| Net interest margin | 3.4611% | 3,563 |
| Noninterest income to average assets | 0.0564% | 5,023 |
| Noninterest expense to average assets | 2.8279% | 2,508 |
| Loan and lease loss provision to assets | 0.3842% | 383 |
| Net operating income to assets | -0.1025% | 5,003 |
| Return on assets (ROA) | -0.0410% | 5,001 |
| Pretax return on assets | -0.0256% | 4,988 |
| Return on Equity (ROE) | -0.2398% | 5,001 |
| Retained earnings to average equity (ytd only) | -0.2398% | 4,736 |
| Net charge-offs to loans | 0.5458% | 338 |
| Credit loss provision to net charge-offs | 197.3684% | 1,345 |
| Earnings coverage of net charge-offs (x) | 1.5263% | 3,524 |
| Efficiency ratio | 90.4918% | 337 |
| Assets per employee ($millions) | 3.9728% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,185 |
| Loan loss allowance to noncurrent loans | 13.4168% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.8141% | 203 |
| Noncurrent loans to loans | 7.8710% | 38 |
| Net loans and leases to total assets | 35.3756% | 4,860 |
| Net loans and leases to deposits | 42.6189% | 4,859 |
| Net loans and leases to core deposits | 42.6189% | 4,896 |
| Total domestic deposits to total assets | 83.0044% | 3,190 |
| Equity capital to assets | 16.8294% | 488 |
| Core capital (leverage) ratio | 16.9960% | 414 |
| Tier 1 risk-based capital ratio | 32.3380% | 409 |
| Total risk-based capital ratio | 33.0723% | 414 |
| Memoranda: | ||
| Average total assets | $19,520,000 | 5,120 |
| Average earning assets | $17,306,600 | 5,113 |
| Average equity | $3,335,800 | 5,052 |
| Average total loans | $6,962,800 | 5,108 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 4,593 |
| Cost of funding earning assets | 0.3758% | 4,578 |
| Net interest margin | 3.4824% | 3,618 |
| Noninterest income to average assets | 0.0548% | 5,106 |
| Noninterest expense to average assets | 2.6660% | 2,961 |
| Loan and lease loss provision to assets | 0.0891% | 2,118 |
| Net operating income to assets | 0.3907% | 4,737 |
| Return on assets (ROA) | 0.3907% | 4,763 |
| Pretax return on assets | 0.4112% | 4,798 |
| Return on Equity (ROE) | 2.2660% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.2660% | 4,180 |
| Net charge-offs to loans | 0.1922% | 897 |
| Credit loss provision to net charge-offs | 130.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 7.3016% | 2,758 |
| Efficiency ratio | 84.1991% | 603 |
| Assets per employee ($millions) | 3.9322% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5747% | 4,864 |
| Loan loss allowance to noncurrent loans | 6.1377% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 3.3976% | 149 |
| Noncurrent loans to loans | 9.3636% | 34 |
| Net loans and leases to total assets | 36.0765% | 4,938 |
| Net loans and leases to deposits | 43.8815% | 4,912 |
| Net loans and leases to core deposits | 43.8815% | 4,963 |
| Total domestic deposits to total assets | 82.2135% | 3,411 |
| Equity capital to assets | 17.4660% | 443 |
| Core capital (leverage) ratio | 17.1461% | 419 |
| Tier 1 risk-based capital ratio | 30.9218% | 455 |
| Total risk-based capital ratio | 31.3074% | 473 |
| Memoranda: | ||
| Average total assets | $19,454,000 | 5,198 |
| Average earning assets | $17,382,250 | 5,192 |
| Average equity | $3,354,000 | 5,129 |
| Average total loans | $6,936,250 | 5,188 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 4,084 |
| Cost of funding earning assets | 0.3747% | 4,601 |
| Net interest margin | 3.7589% | 2,722 |
| Noninterest income to average assets | 0.0516% | 5,160 |
| Noninterest expense to average assets | 2.7547% | 2,738 |
| Loan and lease loss provision to assets | 0.1341% | 1,381 |
| Net operating income to assets | 0.4436% | 4,650 |
| Return on assets (ROA) | 0.4436% | 4,678 |
| Pretax return on assets | 0.4746% | 4,730 |
| Return on Equity (ROE) | 2.5847% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.5847% | 3,900 |
| Net charge-offs to loans | 0.2911% | 586 |
| Credit loss provision to net charge-offs | 130.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.9000% | 2,608 |
| Efficiency ratio | 81.9018% | 806 |
| Assets per employee ($millions) | 3.7676% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 4,879 |
| Loan loss allowance to noncurrent loans | 15.2985% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.4227% | 818 |
| Noncurrent loans to loans | 3.9118% | 186 |
| Net loans and leases to total assets | 36.1503% | 4,973 |
| Net loans and leases to deposits | 44.3302% | 4,945 |
| Net loans and leases to core deposits | 44.3302% | 4,991 |
| Total domestic deposits to total assets | 81.5479% | 3,651 |
| Equity capital to assets | 18.1176% | 367 |
| Core capital (leverage) ratio | 17.8924% | 351 |
| Tier 1 risk-based capital ratio | 31.6396% | 429 |
| Total risk-based capital ratio | 32.0268% | 452 |
| Memoranda: | ||
| Average total assets | $19,385,000 | 5,245 |
| Average earning assets | $17,079,670 | 5,244 |
| Average equity | $3,327,330 | 5,169 |
| Average total loans | $6,870,330 | 5,237 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 4,664 |
| Cost of funding earning assets | 0.3711% | 4,598 |
| Net interest margin | 3.4558% | 3,732 |
| Noninterest income to average assets | 0.0610% | 5,179 |
| Noninterest expense to average assets | 2.7062% | 2,888 |
| Loan and lease loss provision to assets | 0.2645% | 535 |
| Net operating income to assets | 0.1221% | 5,078 |
| Return on assets (ROA) | 0.1221% | 5,084 |
| Pretax return on assets | 0.1221% | 5,089 |
| Return on Equity (ROE) | 0.7307% | 5,098 |
| Retained earnings to average equity (ytd only) | 0.7307% | 4,378 |
| Net charge-offs to loans | 0.5814% | 256 |
| Credit loss provision to net charge-offs | 130.0000% | 1,353 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 2,548 |
| Efficiency ratio | 87.5000% | 508 |
| Assets per employee ($millions) | 3.8864% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 4,947 |
| Loan loss allowance to noncurrent loans | 17.9039% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 1,144 |
| Noncurrent loans to loans | 3.3222% | 289 |
| Net loans and leases to total assets | 35.2614% | 5,039 |
| Net loans and leases to deposits | 42.5722% | 5,022 |
| Net loans and leases to core deposits | 42.5722% | 5,068 |
| Total domestic deposits to total assets | 82.8273% | 3,450 |
| Equity capital to assets | 17.0338% | 442 |
| Core capital (leverage) ratio | 17.5342% | 368 |
| Tier 1 risk-based capital ratio | 31.1685% | 436 |
| Total risk-based capital ratio | 31.5505% | 455 |
| Memoranda: | ||
| Average total assets | $19,658,500 | 5,298 |
| Average earning assets | $17,246,500 | 5,296 |
| Average equity | $3,284,500 | 5,226 |
| Average total loans | $6,880,000 | 5,295 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 3,824 |
| Cost of funding earning assets | 0.3688% | 4,170 |
| Net interest margin | 3.7048% | 3,017 |
| Noninterest income to average assets | 0.0948% | 5,166 |
| Noninterest expense to average assets | 2.8934% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2993% | 5,009 |
| Return on assets (ROA) | 0.2993% | 5,004 |
| Pretax return on assets | 0.4589% | 4,860 |
| Return on Equity (ROE) | 1.8082% | 5,068 |
| Retained earnings to average equity (ytd only) | 0.6630% | 4,817 |
| Net charge-offs to loans | 0.5242% | 338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.4865% | 3,512 |
| Efficiency ratio | 86.3095% | 511 |
| Assets per employee ($millions) | 3.9770% | 3,918 |
| Cash dividends to net income (ytd only)* | 63.3333% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5534% | 5,055 |
| Loan loss allowance to noncurrent loans | 15.3846% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.2421% | 1,038 |
| Noncurrent loans to loans | 3.5969% | 237 |
| Net loans and leases to total assets | 34.3425% | 5,111 |
| Net loans and leases to deposits | 41.1758% | 5,101 |
| Net loans and leases to core deposits | 41.1758% | 5,144 |
| Total domestic deposits to total assets | 83.4046% | 3,188 |
| Equity capital to assets | 16.3892% | 482 |
| Core capital (leverage) ratio | 16.7252% | 436 |
| Tier 1 risk-based capital ratio | 30.5632% | 449 |
| Total risk-based capital ratio | 30.9118% | 470 |
| Memoranda: | ||
| Average total assets | $20,045,800 | 5,342 |
| Average earning assets | $17,625,800 | 5,337 |
| Average equity | $3,318,200 | 5,256 |
| Average total loans | $7,057,800 | 5,338 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 4,318 |
| Cost of funding earning assets | 0.3692% | 4,057 |
| Net interest margin | 3.4814% | 3,758 |
| Noninterest income to average assets | 0.1195% | 5,135 |
| Noninterest expense to average assets | 2.3830% | 3,892 |
| Loan and lease loss provision to assets | -0.0465% | 5,282 |
| Net operating income to assets | 0.6903% | 4,255 |
| Return on assets (ROA) | 0.6903% | 4,266 |
| Pretax return on assets | 0.8496% | 4,169 |
| Return on Equity (ROE) | 4.1602% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.1602% | 3,696 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7917% | 1,482 |
| Assets per employee ($millions) | 3.9758% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 4,156 |
| Loan loss allowance to noncurrent loans | 17.5711% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.9468% | 554 |
| Noncurrent loans to loans | 5.2703% | 108 |
| Net loans and leases to total assets | 36.5964% | 5,121 |
| Net loans and leases to deposits | 44.0535% | 5,111 |
| Net loans and leases to core deposits | 46.5928% | 5,093 |
| Total domestic deposits to total assets | 83.0726% | 3,282 |
| Equity capital to assets | 16.7715% | 436 |
| Core capital (leverage) ratio | 17.2518% | 389 |
| Tier 1 risk-based capital ratio | 28.8292% | 525 |
| Total risk-based capital ratio | 29.4108% | 550 |
| Memoranda: | ||
| Average total assets | $20,086,000 | 5,412 |
| Average earning assets | $17,693,500 | 5,408 |
| Average equity | $3,333,000 | 5,324 |
| Average total loans | $7,105,500 | 5,408 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,686 |
| Cost of funding earning assets | 0.3726% | 3,920 |
| Net interest margin | 3.6580% | 3,085 |
| Noninterest income to average assets | 0.0794% | 5,327 |
| Noninterest expense to average assets | 2.2724% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9129% | 3,405 |
| Return on assets (ROA) | 0.9129% | 3,409 |
| Pretax return on assets | 1.0221% | 3,593 |
| Return on Equity (ROE) | 5.5211% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.5211% | 2,811 |
| Net charge-offs to loans | 0.1708% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.1667% | 1,967 |
| Efficiency ratio | 68.9759% | 2,492 |
| Assets per employee ($millions) | 3.9952% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,198 |
| Loan loss allowance to noncurrent loans | 24.7312% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.3967% | 994 |
| Noncurrent loans to loans | 3.7677% | 247 |
| Net loans and leases to total assets | 36.7241% | 5,158 |
| Net loans and leases to deposits | 44.1237% | 5,141 |
| Net loans and leases to core deposits | 46.6489% | 5,131 |
| Total domestic deposits to total assets | 83.2299% | 3,343 |
| Equity capital to assets | 16.6900% | 430 |
| Core capital (leverage) ratio | 17.2692% | 365 |
| Tier 1 risk-based capital ratio | 28.8608% | 526 |
| Total risk-based capital ratio | 29.4505% | 544 |
| Memoranda: | ||
| Average total assets | $20,155,000 | 5,476 |
| Average earning assets | $17,714,670 | 5,471 |
| Average equity | $3,332,670 | 5,385 |
| Average total loans | $7,026,330 | 5,470 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,317 |
| Cost of funding earning assets | 0.4279% | 3,381 |
| Net interest margin | 3.6484% | 2,993 |
| Noninterest income to average assets | 0.0790% | 5,400 |
| Noninterest expense to average assets | 1.8771% | 5,058 |
| Loan and lease loss provision to assets | -0.1383% | 5,525 |
| Net operating income to assets | 1.5412% | 977 |
| Return on assets (ROA) | 1.5412% | 985 |
| Pretax return on assets | 1.5412% | 1,564 |
| Return on Equity (ROE) | 9.3637% | 2,737 |
| Retained earnings to average equity (ytd only) | 9.3637% | 1,341 |
| Net charge-offs to loans | -0.0585% | 5,037 |
| Credit loss provision to net charge-offs | 700.0000% | 473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2289% | 4,439 |
| Assets per employee ($millions) | 3.8580% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,715 |
| Loan loss allowance to noncurrent loans | 20.5357% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 722 |
| Noncurrent loans to loans | 5.0740% | 143 |
| Net loans and leases to total assets | 33.9710% | 5,270 |
| Net loans and leases to deposits | 41.1207% | 5,244 |
| Net loans and leases to core deposits | 43.5821% | 5,221 |
| Total domestic deposits to total assets | 82.6128% | 3,784 |
| Equity capital to assets | 17.2628% | 380 |
| Core capital (leverage) ratio | 15.8946% | 502 |
| Tier 1 risk-based capital ratio | 30.2428% | 463 |
| Total risk-based capital ratio | 30.8749% | 478 |
| Memoranda: | ||
| Average total assets | $20,244,500 | 5,539 |
| Average earning assets | $17,761,000 | 5,536 |
| Average equity | $3,332,000 | 5,437 |
| Average total loans | $6,837,000 | 5,536 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,241 |
| Cost of funding earning assets | 0.4137% | 3,116 |
| Net interest margin | 3.6372% | 3,034 |
| Noninterest income to average assets | 0.0847% | 5,449 |
| Noninterest expense to average assets | 2.3878% | 4,113 |
| Loan and lease loss provision to assets | 0.0598% | 3,035 |
| Net operating income to assets | 0.6231% | 3,921 |
| Return on assets (ROA) | 0.6231% | 3,959 |
| Pretax return on assets | 0.7926% | 4,266 |
| Return on Equity (ROE) | 3.6936% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.5661% | 4,371 |
| Net charge-offs to loans | -0.0923% | 5,348 |
| Credit loss provision to net charge-offs | -200.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6923% | 1,945 |
| Assets per employee ($millions) | 4.2398% | 3,594 |
| Cash dividends to net income (ytd only)* | 57.6000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,524 |
| Loan loss allowance to noncurrent loans | 32.1888% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 1,382 |
| Noncurrent loans to loans | 3.3040% | 313 |
| Net loans and leases to total assets | 32.9119% | 5,371 |
| Net loans and leases to deposits | 39.3603% | 5,355 |
| Net loans and leases to core deposits | 44.0745% | 5,292 |
| Total domestic deposits to total assets | 83.6172% | 3,349 |
| Equity capital to assets | 15.7272% | 551 |
| Core capital (leverage) ratio | 15.8845% | 485 |
| Tier 1 risk-based capital ratio | 27.9962% | 543 |
| Total risk-based capital ratio | 28.6485% | 565 |
| Memoranda: | ||
| Average total assets | $20,060,000 | 5,603 |
| Average earning assets | $17,403,400 | 5,598 |
| Average equity | $3,384,200 | 5,490 |
| Average total loans | $6,502,600 | 5,600 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 3,040 |
| Cost of funding earning assets | 0.4130% | 3,059 |
| Net interest margin | 3.6708% | 2,862 |
| Noninterest income to average assets | 0.0876% | 5,514 |
| Noninterest expense to average assets | 2.1912% | 4,539 |
| Loan and lease loss provision to assets | 0.0809% | 2,470 |
| Net operating income to assets | 0.8225% | 3,425 |
| Return on assets (ROA) | 0.8225% | 3,461 |
| Pretax return on assets | 0.9911% | 3,718 |
| Return on Equity (ROE) | 4.7887% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.7887% | 3,026 |
| Net charge-offs to loans | -0.1466% | 5,472 |
| Credit loss provision to net charge-offs | -171.4286% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1488% | 3,026 |
| Assets per employee ($millions) | 3.9858% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,220 |
| Loan loss allowance to noncurrent loans | 18.0523% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.1125% | 598 |
| Noncurrent loans to loans | 6.3471% | 92 |
| Net loans and leases to total assets | 32.9018% | 5,434 |
| Net loans and leases to deposits | 40.1359% | 5,419 |
| Net loans and leases to core deposits | 42.7417% | 5,399 |
| Total domestic deposits to total assets | 81.9760% | 3,785 |
| Equity capital to assets | 17.3466% | 393 |
| Core capital (leverage) ratio | 16.8565% | 397 |
| Tier 1 risk-based capital ratio | 30.5368% | 456 |
| Total risk-based capital ratio | 31.2306% | 471 |
| Memoranda: | ||
| Average total assets | $19,775,250 | 5,668 |
| Average earning assets | $17,107,250 | 5,666 |
| Average equity | $3,396,750 | 5,553 |
| Average total loans | $6,365,250 | 5,665 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 2,953 |
| Cost of funding earning assets | 0.4102% | 2,975 |
| Net interest margin | 3.6565% | 2,812 |
| Noninterest income to average assets | 0.0811% | 5,573 |
| Noninterest expense to average assets | 1.9570% | 5,061 |
| Loan and lease loss provision to assets | 0.1217% | 1,704 |
| Net operating income to assets | 1.0241% | 2,313 |
| Return on assets (ROA) | 1.0241% | 2,358 |
| Pretax return on assets | 1.1661% | 2,912 |
| Return on Equity (ROE) | 5.9822% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9822% | 2,129 |
| Net charge-offs to loans | -0.2231% | 5,592 |
| Credit loss provision to net charge-offs | -171.4286% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3125% | 4,274 |
| Assets per employee ($millions) | 3.8924% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,010 |
| Loan loss allowance to noncurrent loans | 27.0463% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 1,077 |
| Noncurrent loans to loans | 4.4420% | 187 |
| Net loans and leases to total assets | 32.1139% | 5,499 |
| Net loans and leases to deposits | 39.3453% | 5,469 |
| Net loans and leases to core deposits | 41.9773% | 5,444 |
| Total domestic deposits to total assets | 81.6206% | 4,010 |
| Equity capital to assets | 17.8142% | 339 |
| Core capital (leverage) ratio | 16.7709% | 388 |
| Tier 1 risk-based capital ratio | 31.0799% | 430 |
| Total risk-based capital ratio | 31.7906% | 445 |
| Memoranda: | ||
| Average total assets | $19,724,000 | 5,718 |
| Average earning assets | $17,065,330 | 5,715 |
| Average equity | $3,376,670 | 5,598 |
| Average total loans | $6,276,000 | 5,715 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,434 |
| Cost of funding earning assets | 0.4425% | 2,591 |
| Net interest margin | 3.4466% | 3,461 |
| Noninterest income to average assets | 0.2820% | 4,534 |
| Noninterest expense to average assets | 2.0952% | 4,860 |
| Loan and lease loss provision to assets | 0.2418% | 636 |
| Net operating income to assets | 0.7656% | 3,399 |
| Return on assets (ROA) | 0.7656% | 3,449 |
| Pretax return on assets | 0.9267% | 3,670 |
| Return on Equity (ROE) | 4.5625% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.5625% | 3,144 |
| Net charge-offs to loans | -0.3839% | 5,714 |
| Credit loss provision to net charge-offs | -200.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1975% | 3,802 |
| Assets per employee ($millions) | 3.9584% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,931 |
| Loan loss allowance to noncurrent loans | 17.9856% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.1069% | 611 |
| Noncurrent loans to loans | 6.8495% | 81 |
| Net loans and leases to total assets | 30.3810% | 5,575 |
| Net loans and leases to deposits | 36.8241% | 5,555 |
| Net loans and leases to core deposits | 41.9404% | 5,470 |
| Total domestic deposits to total assets | 82.5030% | 4,011 |
| Equity capital to assets | 17.0018% | 386 |
| Core capital (leverage) ratio | 16.1684% | 444 |
| Tier 1 risk-based capital ratio | 31.1432% | 439 |
| Total risk-based capital ratio | 31.8594% | 456 |
| Memoranda: | ||
| Average total assets | $19,855,000 | 5,785 |
| Average earning assets | $17,176,500 | 5,782 |
| Average equity | $3,331,500 | 5,663 |
| Average total loans | $6,251,000 | 5,783 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,386 |
| Cost of funding earning assets | 0.4288% | 2,717 |
| Net interest margin | 3.5210% | 3,353 |
| Noninterest income to average assets | 0.0990% | 5,649 |
| Noninterest expense to average assets | 2.5099% | 3,975 |
| Loan and lease loss provision to assets | -0.0099% | 5,492 |
| Net operating income to assets | 0.5000% | 4,637 |
| Return on assets (ROA) | 0.5000% | 4,711 |
| Pretax return on assets | 0.6881% | 4,528 |
| Return on Equity (ROE) | 2.9149% | 5,183 |
| Retained earnings to average equity (ytd only) | 0.7504% | 5,026 |
| Net charge-offs to loans | 0.1817% | 1,522 |
| Credit loss provision to net charge-offs | -16.6667% | 4,762 |
| Earnings coverage of net charge-offs (x) | 11.4167% | 2,541 |
| Efficiency ratio | 78.7267% | 1,588 |
| Assets per employee ($millions) | 3.9836% | 3,992 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,818 |
| Loan loss allowance to noncurrent loans | 12.9545% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 2.2091% | 593 |
| Noncurrent loans to loans | 6.8600% | 77 |
| Net loans and leases to total assets | 31.9159% | 5,599 |
| Net loans and leases to deposits | 38.5857% | 5,588 |
| Net loans and leases to core deposits | 43.8898% | 5,488 |
| Total domestic deposits to total assets | 82.7141% | 3,852 |
| Equity capital to assets | 16.5579% | 433 |
| Core capital (leverage) ratio | 16.0093% | 460 |
| Tier 1 risk-based capital ratio | 29.6068% | 492 |
| Total risk-based capital ratio | 30.1304% | 514 |
| Memoranda: | ||
| Average total assets | $20,200,000 | 5,839 |
| Average earning assets | $17,722,400 | 5,829 |
| Average equity | $3,465,000 | 5,705 |
| Average total loans | $6,605,800 | 5,836 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,497 |
| Cost of funding earning assets | 0.4242% | 2,791 |
| Net interest margin | 3.5048% | 3,445 |
| Noninterest income to average assets | 0.1052% | 5,691 |
| Noninterest expense to average assets | 2.2101% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8091% | 3,326 |
| Return on assets (ROA) | 0.8091% | 3,464 |
| Pretax return on assets | 0.9932% | 3,657 |
| Return on Equity (ROE) | 4.6767% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6767% | 3,036 |
| Net charge-offs to loans | 0.0401% | 2,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 75.4045% | 822 |
| Efficiency ratio | 68.9938% | 3,043 |
| Assets per employee ($millions) | 4.0134% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,182 |
| Loan loss allowance to noncurrent loans | 16.0671% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0780% | 740 |
| Noncurrent loans to loans | 6.4711% | 102 |
| Net loans and leases to total assets | 31.7785% | 5,684 |
| Net loans and leases to deposits | 39.0628% | 5,655 |
| Net loans and leases to core deposits | 44.4917% | 5,564 |
| Total domestic deposits to total assets | 81.3525% | 4,150 |
| Equity capital to assets | 17.7954% | 360 |
| Core capital (leverage) ratio | 16.3740% | 430 |
| Tier 1 risk-based capital ratio | 29.9738% | 479 |
| Total risk-based capital ratio | 30.5789% | 505 |
| Memoranda: | ||
| Average total assets | $20,270,500 | 5,901 |
| Average earning assets | $17,917,750 | 5,892 |
| Average equity | $3,506,750 | 5,758 |
| Average total loans | $6,653,750 | 5,899 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 3,469 |
| Cost of funding earning assets | 0.4241% | 2,789 |
| Net interest margin | 3.5154% | 3,429 |
| Noninterest income to average assets | 0.0983% | 5,787 |
| Noninterest expense to average assets | 2.2716% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7769% | 3,416 |
| Return on assets (ROA) | 0.7769% | 3,565 |
| Pretax return on assets | 0.9244% | 3,861 |
| Return on Equity (ROE) | 4.5333% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.5333% | 3,026 |
| Net charge-offs to loans | 0.0595% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,035 |
| Efficiency ratio | 71.0769% | 2,802 |
| Assets per employee ($millions) | 3.9550% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,486 |
| Loan loss allowance to noncurrent loans | 21.4058% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 1.5828% | 1,178 |
| Noncurrent loans to loans | 4.6955% | 201 |
| Net loans and leases to total assets | 33.3704% | 5,699 |
| Net loans and leases to deposits | 41.1614% | 5,647 |
| Net loans and leases to core deposits | 47.0014% | 5,531 |
| Total domestic deposits to total assets | 81.0721% | 4,253 |
| Equity capital to assets | 17.9874% | 345 |
| Core capital (leverage) ratio | 16.1585% | 447 |
| Tier 1 risk-based capital ratio | 28.8292% | 546 |
| Total risk-based capital ratio | 29.4190% | 571 |
| Memoranda: | ||
| Average total assets | $20,338,330 | 5,971 |
| Average earning assets | $17,921,330 | 5,967 |
| Average equity | $3,485,330 | 5,831 |
| Average total loans | $6,723,670 | 5,976 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 3,448 |
| Cost of funding earning assets | 0.4225% | 2,837 |
| Net interest margin | 3.5132% | 3,414 |
| Noninterest income to average assets | 0.1164% | 5,763 |
| Noninterest expense to average assets | 2.4054% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6790% | 3,822 |
| Return on assets (ROA) | 0.6790% | 3,942 |
| Pretax return on assets | 0.7759% | 4,281 |
| Return on Equity (ROE) | 4.0586% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.0586% | 3,463 |
| Net charge-offs to loans | 0.1185% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,483 |
| Efficiency ratio | 75.6098% | 2,229 |
| Assets per employee ($millions) | 5.1078% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 4,409 |
| Loan loss allowance to noncurrent loans | 93.2432% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 4,116 |
| Noncurrent loans to loans | 1.1118% | 2,176 |
| Net loans and leases to total assets | 32.2402% | 5,775 |
| Net loans and leases to deposits | 39.2785% | 5,736 |
| Net loans and leases to core deposits | 44.5730% | 5,638 |
| Total domestic deposits to total assets | 82.0812% | 4,201 |
| Equity capital to assets | 17.0476% | 416 |
| Core capital (leverage) ratio | 16.0230% | 467 |
| Tier 1 risk-based capital ratio | 28.4307% | 580 |
| Total risk-based capital ratio | 29.0376% | 609 |
| Memoranda: | ||
| Average total assets | $20,620,000 | 6,030 |
| Average earning assets | $17,989,500 | 6,025 |
| Average equity | $3,449,500 | 5,889 |
| Average total loans | $6,752,500 | 6,036 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 3,693 |
| Cost of funding earning assets | 0.4449% | 2,684 |
| Net interest margin | 3.4589% | 3,677 |
| Noninterest income to average assets | 0.1179% | 5,812 |
| Noninterest expense to average assets | 2.3530% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7349% | 3,649 |
| Return on assets (ROA) | 0.7614% | 3,608 |
| Pretax return on assets | 0.8498% | 4,022 |
| Return on Equity (ROE) | 4.3865% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.7924% | 5,205 |
| Net charge-offs to loans | -0.0473% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1486% | 2,561 |
| Assets per employee ($millions) | 5.2113% | 2,111 |
| Cash dividends to net income (ytd only)* | 81.9355% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,402 |
| Loan loss allowance to noncurrent loans | 507.1429% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 5,363 |
| Noncurrent loans to loans | 0.2044% | 4,683 |
| Net loans and leases to total assets | 32.5162% | 5,825 |
| Net loans and leases to deposits | 39.5934% | 5,784 |
| Net loans and leases to core deposits | 42.0393% | 5,763 |
| Total domestic deposits to total assets | 82.1252% | 4,140 |
| Equity capital to assets | 16.5603% | 458 |
| Core capital (leverage) ratio | 18.8678% | 244 |
| Tier 1 risk-based capital ratio | 27.5783% | 623 |
| Total risk-based capital ratio | 28.1839% | 652 |
| Memoranda: | ||
| Average total assets | $20,357,400 | 6,092 |
| Average earning assets | $17,982,600 | 6,082 |
| Average equity | $3,533,600 | 5,923 |
| Average total loans | $6,345,200 | 6,096 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,648 |
| Cost of funding earning assets | 0.4446% | 2,740 |
| Net interest margin | 3.4823% | 3,618 |
| Noninterest income to average assets | 0.1186% | 5,883 |
| Noninterest expense to average assets | 2.1348% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9871% | 2,532 |
| Return on assets (ROA) | 1.0410% | 2,360 |
| Pretax return on assets | 1.1399% | 3,055 |
| Return on Equity (ROE) | 5.9274% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,293 |
| Net charge-offs to loans | -0.0643% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3934% | 3,819 |
| Assets per employee ($millions) | 4.8748% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 34.9095% | 5,822 |
| Net loans and leases to deposits | 43.3263% | 5,748 |
| Net loans and leases to core deposits | 46.2589% | 5,729 |
| Total domestic deposits to total assets | 80.5734% | 4,586 |
| Equity capital to assets | 18.5138% | 306 |
| Core capital (leverage) ratio | 16.6675% | 409 |
| Tier 1 risk-based capital ratio | 30.8093% | 478 |
| Total risk-based capital ratio | 31.4578% | 505 |
| Memoranda: | ||
| Average total assets | $20,235,500 | 6,175 |
| Average earning assets | $17,995,500 | 6,169 |
| Average equity | $3,554,000 | 5,995 |
| Average total loans | $6,219,250 | 6,180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 4,136 |
| Cost of funding earning assets | 0.4491% | 2,742 |
| Net interest margin | 3.3299% | 4,172 |
| Noninterest income to average assets | 0.1172% | 5,960 |
| Noninterest expense to average assets | 2.0897% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9063% | 2,840 |
| Return on assets (ROA) | 0.9863% | 2,573 |
| Pretax return on assets | 1.0839% | 3,240 |
| Return on Equity (ROE) | 5.7138% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.7138% | 2,405 |
| Net charge-offs to loans | -0.1000% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7215% | 3,715 |
| Assets per employee ($millions) | 4.7893% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 4,035 |
| Loan loss allowance to noncurrent loans | 1,420.0000% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,781 |
| Noncurrent loans to loans | 0.0816% | 5,410 |
| Net loans and leases to total assets | 31.6125% | 5,992 |
| Net loans and leases to deposits | 39.8552% | 5,906 |
| Net loans and leases to core deposits | 41.2057% | 5,926 |
| Total domestic deposits to total assets | 79.3183% | 5,021 |
| Equity capital to assets | 18.5624% | 293 |
| Core capital (leverage) ratio | 16.0428% | 460 |
| Tier 1 risk-based capital ratio | 30.8788% | 496 |
| Total risk-based capital ratio | 31.5398% | 517 |
| Memoranda: | ||
| Average total assets | $20,481,000 | 6,247 |
| Average earning assets | $18,258,670 | 6,238 |
| Average equity | $3,535,330 | 6,059 |
| Average total loans | $5,999,670 | 6,260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,671 |
| Cost of funding earning assets | 0.4809% | 2,444 |
| Net interest margin | 3.1259% | 4,865 |
| Noninterest income to average assets | 0.0757% | 6,161 |
| Noninterest expense to average assets | 1.8919% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8099% | 3,211 |
| Return on assets (ROA) | 0.9649% | 2,557 |
| Pretax return on assets | 1.0595% | 3,267 |
| Return on Equity (ROE) | 5.7872% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.7872% | 2,614 |
| Net charge-offs to loans | -0.2022% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0272% | 3,818 |
| Assets per employee ($millions) | 4.9690% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 3,969 |
| Loan loss allowance to noncurrent loans | 253.5714% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 5,391 |
| Noncurrent loans to loans | 0.4741% | 4,159 |
| Net loans and leases to total assets | 29.3570% | 6,097 |
| Net loans and leases to deposits | 36.2287% | 6,049 |
| Net loans and leases to core deposits | 37.3847% | 6,064 |
| Total domestic deposits to total assets | 81.0324% | 4,814 |
| Equity capital to assets | 17.9865% | 334 |
| Core capital (leverage) ratio | 15.1047% | 594 |
| Tier 1 risk-based capital ratio | 30.7193% | 506 |
| Total risk-based capital ratio | 31.3869% | 527 |
| Memoranda: | ||
| Average total assets | $21,143,000 | 6,306 |
| Average earning assets | $18,298,500 | 6,303 |
| Average equity | $3,525,000 | 6,123 |
| Average total loans | $5,936,000 | 6,329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 4,426 |
| Cost of funding earning assets | 0.4809% | 2,873 |
| Net interest margin | 3.3396% | 4,438 |
| Noninterest income to average assets | 0.1071% | 6,125 |
| Noninterest expense to average assets | 2.3835% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5540% | 4,584 |
| Return on assets (ROA) | 0.5540% | 4,673 |
| Pretax return on assets | 0.6331% | 4,825 |
| Return on Equity (ROE) | 3.4690% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.9240% | 4,840 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0123% | 2,065 |
| Assets per employee ($millions) | 5.6025% | 1,690 |
| Cash dividends to net income (ytd only)* | 44.5378% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 4,432 |
| Loan loss allowance to noncurrent loans | 558.3333% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,802 |
| Noncurrent loans to loans | 0.2011% | 5,102 |
| Net loans and leases to total assets | 26.3231% | 6,272 |
| Net loans and leases to deposits | 31.5471% | 6,269 |
| Net loans and leases to core deposits | 33.3202% | 6,253 |
| Total domestic deposits to total assets | 83.4404% | 3,934 |
| Equity capital to assets | 15.5065% | 606 |
| Core capital (leverage) ratio | 14.9223% | 621 |
| Tier 1 risk-based capital ratio | 28.8222% | 578 |
| Total risk-based capital ratio | 29.4223% | 595 |
| Memoranda: | ||
| Average total assets | $21,481,000 | 6,390 |
| Average earning assets | $18,714,600 | 6,387 |
| Average equity | $3,430,400 | 6,193 |
| Average total loans | $5,541,200 | 6,425 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 4,765 |
| Cost of funding earning assets | 0.4744% | 3,010 |
| Net interest margin | 3.2574% | 4,776 |
| Noninterest income to average assets | 0.0941% | 6,268 |
| Noninterest expense to average assets | 2.1397% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5271% | 4,768 |
| Return on assets (ROA) | 0.5271% | 4,840 |
| Pretax return on assets | 0.8408% | 4,217 |
| Return on Equity (ROE) | 3.2756% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.2756% | 4,295 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7895% | 3,223 |
| Assets per employee ($millions) | 5.2028% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 4,390 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 6,095 |
| Noncurrent loans to loans | 0.0698% | 5,740 |
| Net loans and leases to total assets | 27.2116% | 6,333 |
| Net loans and leases to deposits | 33.1073% | 6,320 |
| Net loans and leases to core deposits | 35.1499% | 6,294 |
| Total domestic deposits to total assets | 82.1921% | 4,413 |
| Equity capital to assets | 16.8036% | 454 |
| Core capital (leverage) ratio | 15.3230% | 576 |
| Tier 1 risk-based capital ratio | 32.1156% | 436 |
| Total risk-based capital ratio | 32.7807% | 448 |
| Memoranda: | ||
| Average total assets | $21,248,750 | 6,469 |
| Average earning assets | $18,828,250 | 6,461 |
| Average equity | $3,419,250 | 6,262 |
| Average total loans | $5,435,000 | 6,506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,988 |
| Cost of funding earning assets | 0.4648% | 3,165 |
| Net interest margin | 3.1905% | 4,977 |
| Noninterest income to average assets | 0.0935% | 6,306 |
| Noninterest expense to average assets | 2.1968% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5422% | 4,640 |
| Return on assets (ROA) | 0.5422% | 4,734 |
| Pretax return on assets | 0.7198% | 4,575 |
| Return on Equity (ROE) | 3.4185% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.4185% | 4,024 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3205% | 2,751 |
| Assets per employee ($millions) | 5.2365% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 3,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 24.1096% | 6,450 |
| Net loans and leases to deposits | 29.2448% | 6,440 |
| Net loans and leases to core deposits | 31.0254% | 6,434 |
| Total domestic deposits to total assets | 82.4406% | 4,489 |
| Equity capital to assets | 16.6332% | 461 |
| Core capital (leverage) ratio | 15.4744% | 539 |
| Tier 1 risk-based capital ratio | 32.1257% | 440 |
| Total risk-based capital ratio | 32.7962% | 453 |
| Memoranda: | ||
| Average total assets | $21,394,670 | 6,532 |
| Average earning assets | $18,931,000 | 6,525 |
| Average equity | $3,393,330 | 6,313 |
| Average total loans | $5,336,670 | 6,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,873 |
| Cost of funding earning assets | 0.4853% | 3,057 |
| Net interest margin | 3.2070% | 4,902 |
| Noninterest income to average assets | 0.0740% | 6,416 |
| Noninterest expense to average assets | 2.0723% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6476% | 3,959 |
| Return on assets (ROA) | 0.6476% | 4,054 |
| Pretax return on assets | 0.8141% | 4,058 |
| Return on Equity (ROE) | 4.1816% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.1816% | 3,620 |
| Net charge-offs to loans | 0.0734% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 827 |
| Efficiency ratio | 71.7949% | 3,525 |
| Assets per employee ($millions) | 5.2435% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,153 |
| Loan loss allowance to noncurrent loans | 113.5593% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 5,318 |
| Noncurrent loans to loans | 1.1401% | 3,139 |
| Net loans and leases to total assets | 24.3540% | 6,502 |
| Net loans and leases to deposits | 29.3681% | 6,490 |
| Net loans and leases to core deposits | 31.1425% | 6,477 |
| Total domestic deposits to total assets | 82.9265% | 4,631 |
| Equity capital to assets | 16.2916% | 486 |
| Core capital (leverage) ratio | 14.7739% | 631 |
| Tier 1 risk-based capital ratio | 31.7552% | 454 |
| Total risk-based capital ratio | 32.4230% | 474 |
| Memoranda: | ||
| Average total assets | $21,619,000 | 6,602 |
| Average earning assets | $18,958,500 | 6,591 |
| Average equity | $3,348,000 | 6,377 |
| Average total loans | $5,446,500 | 6,638 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,838 |
| Cost of funding earning assets | 0.5093% | 3,509 |
| Net interest margin | 3.2851% | 4,720 |
| Noninterest income to average assets | 0.0814% | 6,454 |
| Noninterest expense to average assets | 2.1125% | 5,803 |
| Loan and lease loss provision to assets | 0.0452% | 4,214 |
| Net operating income to assets | 0.6062% | 4,238 |
| Return on assets (ROA) | 0.6062% | 4,355 |
| Pretax return on assets | 0.8414% | 3,992 |
| Return on Equity (ROE) | 3.8164% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.5981% | 5,567 |
| Net charge-offs to loans | 0.0181% | 5,083 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 229 |
| Efficiency ratio | 70.4374% | 3,765 |
| Assets per employee ($millions) | 5.5660% | 1,595 |
| Cash dividends to net income (ytd only)* | 84.3284% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,717 |
| Loan loss allowance to noncurrent loans | 295.6522% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 6,022 |
| Noncurrent loans to loans | 0.4022% | 4,999 |
| Net loans and leases to total assets | 25.3773% | 6,580 |
| Net loans and leases to deposits | 30.3927% | 6,576 |
| Net loans and leases to core deposits | 32.0986% | 6,558 |
| Total domestic deposits to total assets | 83.4980% | 4,363 |
| Equity capital to assets | 14.7278% | 728 |
| Core capital (leverage) ratio | 13.8743% | 862 |
| Tier 1 risk-based capital ratio | 29.5093% | 525 |
| Total risk-based capital ratio | 30.1461% | 554 |
| Memoranda: | ||
| Average total assets | $22,106,200 | 6,675 |
| Average earning assets | $19,634,400 | 6,663 |
| Average equity | $3,511,200 | 6,431 |
| Average total loans | $5,521,200 | 6,722 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 5,110 |
| Cost of funding earning assets | 0.5095% | 3,680 |
| Net interest margin | 3.2114% | 4,961 |
| Noninterest income to average assets | 0.0785% | 6,544 |
| Noninterest expense to average assets | 1.7945% | 6,344 |
| Loan and lease loss provision to assets | 0.0604% | 3,841 |
| Net operating income to assets | 1.0936% | 2,030 |
| Return on assets (ROA) | 1.0936% | 2,108 |
| Pretax return on assets | 1.1178% | 3,029 |
| Return on Equity (ROE) | 6.7614% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.7614% | 1,997 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3659% | 5,376 |
| Assets per employee ($millions) | 5.3133% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,048 |
| Loan loss allowance to noncurrent loans | 178.9474% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,905 |
| Noncurrent loans to loans | 0.6506% | 4,571 |
| Net loans and leases to total assets | 27.1632% | 6,622 |
| Net loans and leases to deposits | 32.6730% | 6,601 |
| Net loans and leases to core deposits | 34.6082% | 6,597 |
| Total domestic deposits to total assets | 83.1365% | 4,527 |
| Equity capital to assets | 16.2942% | 498 |
| Core capital (leverage) ratio | 15.4108% | 577 |
| Tier 1 risk-based capital ratio | 31.4644% | 456 |
| Total risk-based capital ratio | 32.1106% | 475 |
| Memoranda: | ||
| Average total assets | $22,066,750 | 6,749 |
| Average earning assets | $19,887,250 | 6,733 |
| Average equity | $3,569,250 | 6,499 |
| Average total loans | $5,472,000 | 6,799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 5,225 |
| Cost of funding earning assets | 0.5078% | 3,829 |
| Net interest margin | 3.1660% | 5,064 |
| Noninterest income to average assets | 0.0269% | 6,737 |
| Noninterest expense to average assets | 1.8265% | 6,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0475% | 2,124 |
| Return on assets (ROA) | 1.0475% | 2,246 |
| Pretax return on assets | 1.0475% | 3,306 |
| Return on Equity (ROE) | 6.4916% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.4916% | 2,153 |
| Net charge-offs to loans | 0.0374% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 410 |
| Efficiency ratio | 63.5514% | 4,927 |
| Assets per employee ($millions) | 5.3160% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,650 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,557 |
| Noncurrent loans to loans | 0.0180% | 6,365 |
| Net loans and leases to total assets | 25.8042% | 6,688 |
| Net loans and leases to deposits | 31.1868% | 6,675 |
| Net loans and leases to core deposits | 33.0343% | 6,661 |
| Total domestic deposits to total assets | 82.7408% | 4,804 |
| Equity capital to assets | 16.4644% | 473 |
| Core capital (leverage) ratio | 14.5332% | 692 |
| Tier 1 risk-based capital ratio | 32.2344% | 433 |
| Total risk-based capital ratio | 32.8103% | 447 |
| Memoranda: | ||
| Average total assets | $22,338,000 | 6,796 |
| Average earning assets | $20,088,330 | 6,777 |
| Average equity | $3,604,670 | 6,538 |
| Average total loans | $5,349,000 | 6,853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 5,635 |
| Cost of funding earning assets | 0.5265% | 3,826 |
| Net interest margin | 3.0028% | 5,561 |
| Noninterest income to average assets | 0.0175% | 6,818 |
| Noninterest expense to average assets | 1.7311% | 6,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9792% | 2,323 |
| Return on assets (ROA) | 0.9792% | 2,453 |
| Pretax return on assets | 0.9792% | 3,443 |
| Return on Equity (ROE) | 6.1261% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.1261% | 2,610 |
| Net charge-offs to loans | 0.0762% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 622 |
| Efficiency ratio | 63.8710% | 5,023 |
| Assets per employee ($millions) | 5.7658% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,613 |
| Loan loss allowance to noncurrent loans | 828.5714% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,517 |
| Noncurrent loans to loans | 0.1326% | 6,072 |
| Net loans and leases to total assets | 22.6380% | 6,807 |
| Net loans and leases to deposits | 27.2666% | 6,797 |
| Net loans and leases to core deposits | 28.7437% | 6,788 |
| Total domestic deposits to total assets | 83.0248% | 4,846 |
| Equity capital to assets | 15.7829% | 594 |
| Core capital (leverage) ratio | 13.8000% | 850 |
| Tier 1 risk-based capital ratio | 30.9892% | 487 |
| Total risk-based capital ratio | 31.5534% | 510 |
| Memoranda: | ||
| Average total assets | $22,875,000 | 6,858 |
| Average earning assets | $20,514,500 | 6,842 |
| Average equity | $3,656,500 | 6,599 |
| Average total loans | $5,251,000 | 6,926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 5,865 |
| Cost of funding earning assets | 0.6974% | 3,512 |
| Net interest margin | 3.0878% | 5,846 |
| Noninterest income to average assets | 0.0327% | 6,744 |
| Noninterest expense to average assets | 2.1466% | 6,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7373% | 3,567 |
| Return on assets (ROA) | 0.7186% | 3,903 |
| Pretax return on assets | 0.7186% | 4,603 |
| Return on Equity (ROE) | 4.3380% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.2254% | 4,673 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4337% | 3,000 |
| Assets per employee ($millions) | 5.6718% | 1,546 |
| Cash dividends to net income (ytd only)* | 48.7013% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,444 |
| Loan loss allowance to noncurrent loans | 737.5000% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 6,568 |
| Noncurrent loans to loans | 0.1532% | 6,098 |
| Net loans and leases to total assets | 22.7619% | 6,879 |
| Net loans and leases to deposits | 27.6445% | 6,881 |
| Net loans and leases to core deposits | 29.1768% | 6,861 |
| Total domestic deposits to total assets | 82.3379% | 4,985 |
| Equity capital to assets | 16.1899% | 522 |
| Core capital (leverage) ratio | 14.8785% | 593 |
| Tier 1 risk-based capital ratio | 32.6722% | 411 |
| Total risk-based capital ratio | 33.2881% | 425 |
| Memoranda: | ||
| Average total assets | $21,429,400 | 6,939 |
| Average earning assets | $19,787,400 | 6,910 |
| Average equity | $3,550,000 | 6,679 |
| Average total loans | $5,232,000 | 6,996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 6,642 |
| Cost of funding earning assets | 0.7169% | 3,619 |
| Net interest margin | 2.6713% | 6,679 |
| Noninterest income to average assets | 0.0316% | 6,861 |
| Noninterest expense to average assets | 2.0459% | 6,281 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4799% | 4,916 |
| Return on assets (ROA) | 0.4799% | 5,180 |
| Pretax return on assets | 0.4799% | 5,523 |
| Return on Equity (ROE) | 2.8793% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.8793% | 4,825 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0000% | 1,939 |
| Assets per employee ($millions) | 5.2738% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,609 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,791 |
| Noncurrent loans to loans | 0.0191% | 6,594 |
| Net loans and leases to total assets | 24.5461% | 6,957 |
| Net loans and leases to deposits | 30.2630% | 6,944 |
| Net loans and leases to core deposits | 32.1037% | 6,934 |
| Total domestic deposits to total assets | 81.1093% | 5,321 |
| Equity capital to assets | 17.2126% | 429 |
| Core capital (leverage) ratio | 14.7665% | 654 |
| Tier 1 risk-based capital ratio | 34.2056% | 379 |
| Total risk-based capital ratio | 40.4139% | 255 |
| Memoranda: | ||
| Average total assets | $21,115,000 | 7,034 |
| Average earning assets | $19,715,250 | 7,002 |
| Average equity | $3,519,250 | 6,765 |
| Average total loans | $5,234,250 | 7,090 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9726% | 6,983 |
| Cost of funding earning assets | 0.7282% | 3,784 |
| Net interest margin | 2.2444% | 7,032 |
| Noninterest income to average assets | 0.0379% | 6,899 |
| Noninterest expense to average assets | 2.0737% | 6,284 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0947% | 6,178 |
| Return on assets (ROA) | 0.0947% | 6,327 |
| Pretax return on assets | 0.0947% | 6,335 |
| Return on Equity (ROE) | 0.5744% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.5744% | 5,834 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6332% | 716 |
| Assets per employee ($millions) | 5.3668% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 25.6720% | 6,991 |
| Net loans and leases to deposits | 31.3250% | 6,980 |
| Net loans and leases to core deposits | 31.3250% | 7,004 |
| Total domestic deposits to total assets | 81.9537% | 5,152 |
| Equity capital to assets | 16.5044% | 507 |
| Core capital (leverage) ratio | 13.9567% | 815 |
| Tier 1 risk-based capital ratio | 34.3704% | 363 |
| Total risk-based capital ratio | 35.0331% | 378 |
| Memoranda: | ||
| Average total assets | $21,121,670 | 7,093 |
| Average earning assets | $20,050,000 | 7,049 |
| Average equity | $3,482,000 | 6,813 |
| Average total loans | $5,233,330 | 7,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0063% | 7,044 |
| Cost of funding earning assets | 0.7270% | 4,050 |
| Net interest margin | 2.2793% | 7,062 |
| Noninterest income to average assets | 0.0573% | 6,904 |
| Noninterest expense to average assets | 2.1385% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1337% | 6,165 |
| Return on assets (ROA) | 0.1337% | 6,289 |
| Pretax return on assets | 0.1337% | 6,329 |
| Return on Equity (ROE) | 0.8112% | 6,385 |
| Retained earnings to average equity (ytd only) | 0.8112% | 5,732 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 814 |
| Assets per employee ($millions) | 5.3773% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 22.4511% | 7,108 |
| Net loans and leases to deposits | 27.1980% | 7,107 |
| Net loans and leases to core deposits | 27.9537% | 7,105 |
| Total domestic deposits to total assets | 82.5468% | 5,104 |
| Equity capital to assets | 16.1374% | 554 |
| Core capital (leverage) ratio | 14.1876% | 754 |
| Tier 1 risk-based capital ratio | 33.0094% | 392 |
| Total risk-based capital ratio | 33.6465% | 409 |
| Memoranda: | ||
| Average total assets | $20,949,000 | 7,158 |
| Average earning assets | $20,357,500 | 7,109 |
| Average equity | $3,451,500 | 6,863 |
| Average total loans | $5,065,000 | 7,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 5,777 |
| Cost of funding earning assets | 0.9387% | 3,797 |
| Net interest margin | 3.3565% | 5,621 |
| Noninterest income to average assets | 0.0259% | 6,920 |
| Noninterest expense to average assets | 2.4591% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6213% | 3,880 |
| Return on assets (ROA) | 0.6782% | 3,784 |
| Pretax return on assets | 0.6782% | 4,414 |
| Return on Equity (ROE) | 4.0051% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.2930% | 4,583 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8319% | 2,324 |
| Assets per employee ($millions) | 5.0973% | 2,073 |
| Cash dividends to net income (ytd only)* | 42.7481% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 25.4206% | 7,132 |
| Net loans and leases to deposits | 31.1179% | 7,112 |
| Net loans and leases to core deposits | 31.1179% | 7,130 |
| Total domestic deposits to total assets | 81.6911% | 5,239 |
| Equity capital to assets | 16.8326% | 473 |
| Core capital (leverage) ratio | 15.8266% | 481 |
| Tier 1 risk-based capital ratio | 34.0967% | 364 |
| Total risk-based capital ratio | 34.7559% | 369 |
| Memoranda: | ||
| Average total assets | $19,315,800 | 7,217 |
| Average earning assets | $17,577,800 | 7,190 |
| Average equity | $3,270,800 | 6,943 |
| Average total loans | $4,718,400 | 7,274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 5,651 |
| Cost of funding earning assets | 1.0029% | 3,661 |
| Net interest margin | 3.3848% | 5,622 |
| Noninterest income to average assets | 0.0280% | 7,023 |
| Noninterest expense to average assets | 2.2260% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8260% | 3,040 |
| Return on assets (ROA) | 0.9030% | 2,868 |
| Pretax return on assets | 0.9030% | 3,750 |
| Return on Equity (ROE) | 5.3243% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.3243% | 2,972 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9358% | 3,378 |
| Assets per employee ($millions) | 4.8375% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 24.2429% | 7,229 |
| Net loans and leases to deposits | 30.7808% | 7,205 |
| Net loans and leases to core deposits | 30.7808% | 7,222 |
| Total domestic deposits to total assets | 78.7597% | 6,033 |
| Equity capital to assets | 18.0155% | 388 |
| Core capital (leverage) ratio | 15.8270% | 526 |
| Tier 1 risk-based capital ratio | 37.0764% | 304 |
| Total risk-based capital ratio | 37.7804% | 306 |
| Memoranda: | ||
| Average total assets | $19,047,500 | 7,295 |
| Average earning assets | $17,016,750 | 7,279 |
| Average equity | $3,230,500 | 7,011 |
| Average total loans | $4,587,500 | 7,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 4,444 |
| Cost of funding earning assets | 1.0951% | 3,283 |
| Net interest margin | 3.6260% | 4,626 |
| Noninterest income to average assets | 0.0211% | 7,145 |
| Noninterest expense to average assets | 2.1956% | 6,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9711% | 2,353 |
| Return on assets (ROA) | 0.7284% | 3,510 |
| Pretax return on assets | 0.7284% | 4,280 |
| Return on Equity (ROE) | 4.3875% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.3875% | 3,401 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3333% | 4,253 |
| Assets per employee ($millions) | 4.9030% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 5,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 24.0720% | 7,314 |
| Net loans and leases to deposits | 29.1997% | 7,316 |
| Net loans and leases to core deposits | 29.1997% | 7,330 |
| Total domestic deposits to total assets | 82.4393% | 5,005 |
| Equity capital to assets | 16.8978% | 494 |
| Core capital (leverage) ratio | 15.9671% | 510 |
| Tier 1 risk-based capital ratio | 33.2715% | 410 |
| Total risk-based capital ratio | 33.9157% | 419 |
| Memoranda: | ||
| Average total assets | $18,946,670 | 7,371 |
| Average earning assets | $16,437,000 | 7,368 |
| Average equity | $3,145,330 | 7,090 |
| Average total loans | $4,533,330 | 7,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 5,043 |
| Cost of funding earning assets | 1.1320% | 3,284 |
| Net interest margin | 3.4453% | 5,245 |
| Noninterest income to average assets | 0.0215% | 7,237 |
| Noninterest expense to average assets | 2.1274% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9025% | 2,551 |
| Return on assets (ROA) | 0.3868% | 5,096 |
| Pretax return on assets | 0.3868% | 5,382 |
| Return on Equity (ROE) | 2.3522% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.3522% | 4,735 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2128% | 4,216 |
| Assets per employee ($millions) | 4.7330% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 22.5650% | 7,397 |
| Net loans and leases to deposits | 27.1669% | 7,400 |
| Net loans and leases to core deposits | 27.1669% | 7,411 |
| Total domestic deposits to total assets | 83.0604% | 4,899 |
| Equity capital to assets | 16.6068% | 488 |
| Core capital (leverage) ratio | 15.8167% | 535 |
| Tier 1 risk-based capital ratio | 41.0130% | 223 |
| Total risk-based capital ratio | 41.8207% | 224 |
| Memoranda: | ||
| Average total assets | $18,614,000 | 7,432 |
| Average earning assets | $16,254,000 | 7,430 |
| Average equity | $3,061,000 | 7,152 |
| Average total loans | $4,410,000 | 7,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 5,703 |
| Cost of funding earning assets | 1.5012% | 2,627 |
| Net interest margin | 3.2254% | 6,204 |
| Noninterest income to average assets | 0.1531% | 6,628 |
| Noninterest expense to average assets | 2.3018% | 6,354 |
| Loan and lease loss provision to assets | 0.1161% | 5,994 |
| Net operating income to assets | 0.5596% | 3,850 |
| Return on assets (ROA) | 0.6177% | 3,763 |
| Pretax return on assets | 0.6177% | 4,268 |
| Return on Equity (ROE) | 3.9138% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.4050% | 4,833 |
| Net charge-offs to loans | 0.5003% | 3,614 |
| Credit loss provision to net charge-offs | 95.6522% | 4,861 |
| Earnings coverage of net charge-offs (x) | 5.5652% | 2,593 |
| Efficiency ratio | 77.3050% | 2,826 |
| Assets per employee ($millions) | 4.5740% | 2,749 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 24.2129% | 7,466 |
| Net loans and leases to deposits | 29.1639% | 7,471 |
| Net loans and leases to core deposits | 29.1639% | 7,482 |
| Total domestic deposits to total assets | 83.0236% | 4,785 |
| Equity capital to assets | 16.2768% | 546 |
| Core capital (leverage) ratio | 15.5859% | 564 |
| Tier 1 risk-based capital ratio | 38.7811% | 262 |
| Total risk-based capital ratio | 39.5494% | 264 |
| Memoranda: | ||
| Average total assets | $18,941,600 | 7,490 |
| Average earning assets | $16,587,000 | 7,484 |
| Average equity | $2,989,400 | 7,283 |
| Average total loans | $4,597,600 | 7,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 6,156 |
| Cost of funding earning assets | 1.5475% | 2,692 |
| Net interest margin | 3.1110% | 6,586 |
| Noninterest income to average assets | 0.1535% | 6,758 |
| Noninterest expense to average assets | 2.0520% | 6,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8376% | 2,855 |
| Return on assets (ROA) | 0.8376% | 2,982 |
| Pretax return on assets | 0.8376% | 3,776 |
| Return on Equity (ROE) | 5.3471% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.3471% | 2,740 |
| Net charge-offs to loans | 0.6342% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.4552% | 2,742 |
| Efficiency ratio | 71.0145% | 3,881 |
| Assets per employee ($millions) | 4.8015% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 21.6235% | 7,601 |
| Net loans and leases to deposits | 25.8947% | 7,618 |
| Net loans and leases to core deposits | 26.3081% | 7,618 |
| Total domestic deposits to total assets | 83.5052% | 4,372 |
| Equity capital to assets | 15.9065% | 698 |
| Core capital (leverage) ratio | 16.0384% | 558 |
| Tier 1 risk-based capital ratio | 39.3432% | 259 |
| Total risk-based capital ratio | 39.8455% | 272 |
| Memoranda: | ||
| Average total assets | $19,103,000 | 7,579 |
| Average earning assets | $16,800,250 | 7,576 |
| Average equity | $2,992,250 | 7,370 |
| Average total loans | $4,624,750 | 7,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 6,291 |
| Cost of funding earning assets | 1.6156% | 2,572 |
| Net interest margin | 3.0398% | 6,747 |
| Noninterest income to average assets | 0.1468% | 6,849 |
| Noninterest expense to average assets | 2.1187% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6922% | 3,433 |
| Return on assets (ROA) | 0.6922% | 3,589 |
| Pretax return on assets | 0.6922% | 4,268 |
| Return on Equity (ROE) | 4.4425% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.4425% | 3,244 |
| Net charge-offs to loans | 0.8388% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 3,378 |
| Efficiency ratio | 75.3731% | 3,189 |
| Assets per employee ($millions) | 4.7598% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 6,954 |
| Loan loss allowance to noncurrent loans | 487.5000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 7,285 |
| Noncurrent loans to loans | 0.1708% | 6,915 |
| Net loans and leases to total assets | 24.3920% | 7,634 |
| Net loans and leases to deposits | 29.1471% | 7,649 |
| Net loans and leases to core deposits | 30.1715% | 7,654 |
| Total domestic deposits to total assets | 83.6861% | 4,252 |
| Equity capital to assets | 15.7624% | 713 |
| Core capital (leverage) ratio | 15.8139% | 590 |
| Tier 1 risk-based capital ratio | 36.5530% | 311 |
| Total risk-based capital ratio | 37.0280% | 318 |
| Memoranda: | ||
| Average total assets | $19,068,670 | 7,649 |
| Average earning assets | $16,711,670 | 7,643 |
| Average equity | $2,971,330 | 7,420 |
| Average total loans | $4,769,000 | 7,727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 5,146 |
| Cost of funding earning assets | 1.7137% | 2,320 |
| Net interest margin | 3.2585% | 6,104 |
| Noninterest income to average assets | 0.1258% | 7,051 |
| Noninterest expense to average assets | 2.2009% | 6,688 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7546% | 3,190 |
| Return on assets (ROA) | 0.7546% | 3,298 |
| Pretax return on assets | 0.7546% | 4,047 |
| Return on Equity (ROE) | 4.8706% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.8706% | 3,225 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4681% | 3,496 |
| Assets per employee ($millions) | 4.6565% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 5,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 24.4712% | 7,724 |
| Net loans and leases to deposits | 29.2893% | 7,738 |
| Net loans and leases to core deposits | 29.8357% | 7,748 |
| Total domestic deposits to total assets | 83.5499% | 4,363 |
| Equity capital to assets | 15.9455% | 681 |
| Core capital (leverage) ratio | 15.6571% | 633 |
| Tier 1 risk-based capital ratio | 36.7984% | 314 |
| Total risk-based capital ratio | 37.5294% | 316 |
| Memoranda: | ||
| Average total assets | $19,083,500 | 7,745 |
| Average earning assets | $16,572,000 | 7,742 |
| Average equity | $2,956,500 | 7,504 |
| Average total loans | $4,812,000 | 7,828 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 6,893 |
| Cost of funding earning assets | 1.8540% | 3,713 |
| Net interest margin | 2.9726% | 6,712 |
| Noninterest income to average assets | 0.2124% | 6,587 |
| Noninterest expense to average assets | 2.4395% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3921% | 4,158 |
| Return on assets (ROA) | 0.3921% | 4,257 |
| Pretax return on assets | 0.3921% | 4,519 |
| Return on Equity (ROE) | 2.4634% | 4,727 |
| Retained earnings to average equity (ytd only) | 1.6080% | 3,956 |
| Net charge-offs to loans | -0.0403% | 7,832 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1538% | 2,095 |
| Assets per employee ($millions) | 4.8853% | 2,356 |
| Cash dividends to net income (ytd only)* | 34.7222% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 25.3109% | 7,790 |
| Net loans and leases to deposits | 30.5592% | 7,803 |
| Net loans and leases to core deposits | 33.8999% | 7,837 |
| Total domestic deposits to total assets | 82.8259% | 4,595 |
| Equity capital to assets | 15.0606% | 892 |
| Core capital (leverage) ratio | 15.8635% | 637 |
| Tier 1 risk-based capital ratio | 34.3127% | 361 |
| Total risk-based capital ratio | 35.0239% | 373 |
| Memoranda: | ||
| Average total assets | $18,364,600 | 7,820 |
| Average earning assets | $16,181,000 | 7,817 |
| Average equity | $2,922,800 | 7,611 |
| Average total loans | $4,968,000 | 7,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 7,062 |
| Cost of funding earning assets | 1.9085% | 3,840 |
| Net interest margin | 2.9169% | 6,815 |
| Noninterest income to average assets | 0.2361% | 6,537 |
| Noninterest expense to average assets | 2.3758% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4427% | 4,225 |
| Return on assets (ROA) | 0.4427% | 4,331 |
| Pretax return on assets | 0.4427% | 4,685 |
| Return on Equity (ROE) | 2.7418% | 4,902 |
| Retained earnings to average equity (ytd only) | 2.7418% | 3,800 |
| Net charge-offs to loans | -0.1075% | 7,928 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2932% | 2,264 |
| Assets per employee ($millions) | 4.5388% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 4,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 26.6483% | 7,869 |
| Net loans and leases to deposits | 32.0865% | 7,886 |
| Net loans and leases to core deposits | 35.2162% | 7,907 |
| Total domestic deposits to total assets | 83.0515% | 4,195 |
| Equity capital to assets | 16.2820% | 747 |
| Core capital (leverage) ratio | 16.2141% | 645 |
| Tier 1 risk-based capital ratio | 35.7177% | 364 |
| Total risk-based capital ratio | 36.4548% | 376 |
| Memoranda: | ||
| Average total assets | $18,070,500 | 7,905 |
| Average earning assets | $15,998,750 | 7,896 |
| Average equity | $2,917,750 | 7,684 |
| Average total loans | $4,958,250 | 7,968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8203% | 7,192 |
| Cost of funding earning assets | 1.9306% | 4,108 |
| Net interest margin | 2.8897% | 6,823 |
| Noninterest income to average assets | 0.2660% | 6,371 |
| Noninterest expense to average assets | 2.4609% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3769% | 4,595 |
| Return on assets (ROA) | 0.3769% | 4,699 |
| Pretax return on assets | 0.3769% | 4,998 |
| Return on Equity (ROE) | 2.3408% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.3408% | 4,034 |
| Net charge-offs to loans | -0.0804% | 7,916 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7188% | 2,156 |
| Assets per employee ($millions) | 4.7203% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,722 |
| Loan loss allowance to noncurrent loans | 327.7778% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 7,343 |
| Noncurrent loans to loans | 0.3763% | 6,573 |
| Net loans and leases to total assets | 25.0199% | 7,978 |
| Net loans and leases to deposits | 29.8176% | 7,997 |
| Net loans and leases to core deposits | 32.3384% | 8,018 |
| Total domestic deposits to total assets | 83.9098% | 3,822 |
| Equity capital to assets | 15.5182% | 926 |
| Core capital (leverage) ratio | 16.1968% | 721 |
| Tier 1 risk-based capital ratio | 35.4507% | 405 |
| Total risk-based capital ratio | 36.1645% | 412 |
| Memoranda: | ||
| Average total assets | $18,042,330 | 7,986 |
| Average earning assets | $16,057,000 | 7,973 |
| Average equity | $2,905,000 | 7,761 |
| Average total loans | $4,978,000 | 8,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 7,413 |
| Cost of funding earning assets | 1.9787% | 4,248 |
| Net interest margin | 2.7905% | 7,015 |
| Noninterest income to average assets | 0.1362% | 7,324 |
| Noninterest expense to average assets | 2.7010% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0681% | 6,354 |
| Return on assets (ROA) | -0.0681% | 6,476 |
| Pretax return on assets | -0.0681% | 6,450 |
| Return on Equity (ROE) | -0.4149% | 6,458 |
| Retained earnings to average equity (ytd only) | -0.4149% | 5,748 |
| Net charge-offs to loans | -0.1576% | 7,980 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5862% | 1,031 |
| Assets per employee ($millions) | 4.4625% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 4,648 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 7,606 |
| Noncurrent loans to loans | 0.0414% | 7,423 |
| Net loans and leases to total assets | 26.7115% | 7,988 |
| Net loans and leases to deposits | 32.0775% | 8,012 |
| Net loans and leases to core deposits | 34.7168% | 8,040 |
| Total domestic deposits to total assets | 83.2717% | 4,005 |
| Equity capital to assets | 16.2073% | 837 |
| Core capital (leverage) ratio | 16.1656% | 758 |
| Tier 1 risk-based capital ratio | 35.7867% | 413 |
| Total risk-based capital ratio | 36.5166% | 417 |
| Memoranda: | ||
| Average total assets | $17,623,000 | 8,046 |
| Average earning assets | $15,768,000 | 8,031 |
| Average equity | $2,892,500 | 7,817 |
| Average total loans | $5,075,500 | 8,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 7,553 |
| Cost of funding earning assets | 2.2675% | 5,302 |
| Net interest margin | 3.0716% | 6,739 |
| Noninterest income to average assets | 0.1620% | 7,263 |
| Noninterest expense to average assets | 2.5972% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4021% | 5,140 |
| Return on assets (ROA) | 0.4021% | 4,956 |
| Pretax return on assets | 0.4021% | 5,254 |
| Return on Equity (ROE) | 2.4874% | 5,424 |
| Retained earnings to average equity (ytd only) | 0.8291% | 4,728 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5922% | 1,798 |
| Assets per employee ($millions) | 4.3490% | 2,885 |
| Cash dividends to net income (ytd only)* | 66.6667% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,215 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,577 |
| Noncurrent loans to loans | 0.0376% | 7,355 |
| Net loans and leases to total assets | 30.2656% | 7,981 |
| Net loans and leases to deposits | 36.6541% | 8,008 |
| Net loans and leases to core deposits | 40.0746% | 8,052 |
| Total domestic deposits to total assets | 82.5707% | 3,966 |
| Equity capital to assets | 16.6245% | 823 |
| Core capital (leverage) ratio | 15.9488% | 836 |
| Tier 1 risk-based capital ratio | 38.1229% | 369 |
| Total risk-based capital ratio | 38.9006% | 373 |
| Memoranda: | ||
| Average total assets | $17,903,800 | 8,077 |
| Average earning assets | $16,538,400 | 8,049 |
| Average equity | $2,894,600 | 7,867 |
| Average total loans | $5,185,600 | 8,152 |