Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0956% | 1,863 |
| Cost of funding earning assets | 0.3557% | 4,332 |
| Net interest margin | 4.7400% | 452 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 3.9072% | 393 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0021% | 2,217 |
| Return on assets (ROA) | 0.6943% | 3,182 |
| Pretax return on assets | 0.8554% | 3,082 |
| Return on Equity (ROE) | 9.5200% | 2,632 |
| Retained earnings to average equity (ytd only) | -0.0818% | 4,089 |
| Net charge-offs to loans | 0.0894% | 979 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 44.7333% | 1,363 |
| Efficiency ratio | 74.5351% | 1,405 |
| Assets per employee ($millions) | 3.9523% | 4,173 |
| Cash dividends to net income (ytd only)* | 100.8596% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,131 |
| Loan loss allowance to noncurrent loans | 56.6298% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 586 |
| Noncurrent loans to loans | 2.1665% | 249 |
| Net loans and leases to total assets | 34.8000% | 4,191 |
| Net loans and leases to deposits | 38.0276% | 4,240 |
| Net loans and leases to core deposits | 41.4507% | 4,265 |
| Total domestic deposits to total assets | 91.5100% | 388 |
| Equity capital to assets | 8.2694% | 3,226 |
| Core capital (leverage) ratio | 11.2040% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $50,266,000 | 4,321 |
| Average earning assets | $44,704,800 | 4,300 |
| Average equity | $3,666,200 | 4,379 |
| Average total loans | $16,779,200 | 4,331 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 2,010 |
| Cost of funding earning assets | 0.2314% | 4,414 |
| Net interest margin | 4.6917% | 465 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.7089% | 444 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.1785% | 1,850 |
| Return on assets (ROA) | 0.9625% | 2,463 |
| Pretax return on assets | 1.1142% | 2,527 |
| Return on Equity (ROE) | 13.6200% | 1,765 |
| Retained earnings to average equity (ytd only) | 8.4390% | 1,828 |
| Net charge-offs to loans | 0.0953% | 817 |
| Credit loss provision to net charge-offs | 416.6667% | 706 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 1,336 |
| Efficiency ratio | 71.2563% | 1,648 |
| Assets per employee ($millions) | 3.7633% | 4,254 |
| Cash dividends to net income (ytd only)* | 38.0435% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,099 |
| Loan loss allowance to noncurrent loans | 61.3569% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 706 |
| Noncurrent loans to loans | 2.0398% | 293 |
| Net loans and leases to total assets | 33.5400% | 4,249 |
| Net loans and leases to deposits | 36.2018% | 4,292 |
| Net loans and leases to core deposits | 38.1075% | 4,292 |
| Total domestic deposits to total assets | 92.6600% | 358 |
| Equity capital to assets | 7.1848% | 3,520 |
| Core capital (leverage) ratio | 11.0618% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $50,975,500 | 4,331 |
| Average earning assets | $45,526,000 | 4,314 |
| Average equity | $3,602,250 | 4,400 |
| Average total loans | $16,796,750 | 4,351 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 2,065 |
| Cost of funding earning assets | 0.2120% | 4,421 |
| Net interest margin | 4.5564% | 575 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 3.4572% | 568 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3595% | 1,424 |
| Return on assets (ROA) | 1.1885% | 1,853 |
| Pretax return on assets | 1.2969% | 2,090 |
| Return on Equity (ROE) | 16.9100% | 1,114 |
| Retained earnings to average equity (ytd only) | 14.1546% | 660 |
| Net charge-offs to loans | 0.1305% | 569 |
| Credit loss provision to net charge-offs | 309.0909% | 849 |
| Earnings coverage of net charge-offs (x) | 37.9091% | 1,429 |
| Efficiency ratio | 68.1679% | 1,966 |
| Assets per employee ($millions) | 4.3302% | 4,044 |
| Cash dividends to net income (ytd only)* | 16.2866% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,809 |
| Loan loss allowance to noncurrent loans | 55.3009% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 743 |
| Noncurrent loans to loans | 2.0381% | 269 |
| Net loans and leases to total assets | 30.0800% | 4,329 |
| Net loans and leases to deposits | 32.3253% | 4,365 |
| Net loans and leases to core deposits | 32.3253% | 4,380 |
| Total domestic deposits to total assets | 93.0500% | 246 |
| Equity capital to assets | 6.8535% | 3,869 |
| Core capital (leverage) ratio | 10.7971% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,659,667 | 4,343 |
| Average earning assets | $46,220,333 | 4,327 |
| Average equity | $3,631,333 | 4,427 |
| Average total loans | $16,856,000 | 4,373 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 1,872 |
| Cost of funding earning assets | 0.0720% | 4,562 |
| Net interest margin | 4.6196% | 494 |
| Noninterest income to average assets | 1.0900% | 508 |
| Noninterest expense to average assets | 3.6722% | 452 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.3619% | 1,506 |
| Return on assets (ROA) | 1.3619% | 1,475 |
| Pretax return on assets | 1.3619% | 1,980 |
| Return on Equity (ROE) | 19.1000% | 871 |
| Retained earnings to average equity (ytd only) | 13.4167% | 1,024 |
| Net charge-offs to loans | 0.2870% | 274 |
| Credit loss provision to net charge-offs | 216.6667% | 791 |
| Earnings coverage of net charge-offs (x) | 16.1667% | 1,525 |
| Efficiency ratio | 70.0155% | 1,749 |
| Assets per employee ($millions) | 4.0967% | 4,214 |
| Cash dividends to net income (ytd only)* | 29.7619% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,159 |
| Loan loss allowance to noncurrent loans | 55.7576% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 626 |
| Noncurrent loans to loans | 1.9339% | 301 |
| Net loans and leases to total assets | 34.3400% | 4,255 |
| Net loans and leases to deposits | 37.2866% | 4,287 |
| Net loans and leases to core deposits | 37.2866% | 4,335 |
| Total domestic deposits to total assets | 92.0900% | 494 |
| Equity capital to assets | 7.8438% | 3,350 |
| Core capital (leverage) ratio | 10.5928% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,343,500 | 4,421 |
| Average earning assets | $44,419,500 | 4,405 |
| Average equity | $3,518,000 | 4,496 |
| Average total loans | $16,722,000 | 4,436 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 2,574 |
| Cost of funding earning assets | 0.0813% | 4,472 |
| Net interest margin | 3.6021% | 1,638 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.3017% | 623 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.5310% | 4,036 |
| Return on assets (ROA) | 0.5310% | 3,991 |
| Pretax return on assets | 0.6618% | 3,924 |
| Return on Equity (ROE) | 7.1000% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.9984% | 3,721 |
| Net charge-offs to loans | 0.1092% | 688 |
| Credit loss provision to net charge-offs | 205.8824% | 1,101 |
| Earnings coverage of net charge-offs (x) | 22.8824% | 1,828 |
| Efficiency ratio | 81.9490% | 599 |
| Assets per employee ($millions) | 4.9527% | 3,712 |
| Cash dividends to net income (ytd only)* | 57.7465% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,164 |
| Loan loss allowance to noncurrent loans | 46.0705% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 550 |
| Noncurrent loans to loans | 2.2527% | 224 |
| Net loans and leases to total assets | 32.7300% | 4,318 |
| Net loans and leases to deposits | 34.9979% | 4,369 |
| Net loans and leases to core deposits | 34.9979% | 4,397 |
| Total domestic deposits to total assets | 93.5200% | 304 |
| Equity capital to assets | 6.4207% | 3,931 |
| Core capital (leverage) ratio | 10.4614% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,488,200 | 4,403 |
| Average earning assets | $46,750,000 | 4,410 |
| Average equity | $4,002,200 | 4,535 |
| Average total loans | $15,571,200 | 4,471 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 2,600 |
| Cost of funding earning assets | 0.0872% | 4,370 |
| Net interest margin | 3.4167% | 1,926 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 3.1914% | 697 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.4772% | 4,125 |
| Return on assets (ROA) | 0.4772% | 4,073 |
| Pretax return on assets | 0.5115% | 4,134 |
| Return on Equity (ROE) | 6.1800% | 3,766 |
| Retained earnings to average equity (ytd only) | 4.9114% | 3,134 |
| Net charge-offs to loans | 0.0347% | 1,165 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 57.2500% | 1,200 |
| Efficiency ratio | 85.0620% | 494 |
| Assets per employee ($millions) | 5.5948% | 3,130 |
| Cash dividends to net income (ytd only)* | 20.5128% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,356 |
| Loan loss allowance to noncurrent loans | 57.9310% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 784 |
| Noncurrent loans to loans | 1.7753% | 365 |
| Net loans and leases to total assets | 32.1100% | 4,371 |
| Net loans and leases to deposits | 34.4631% | 4,407 |
| Net loans and leases to core deposits | 34.4631% | 4,430 |
| Total domestic deposits to total assets | 93.1600% | 538 |
| Equity capital to assets | 6.4663% | 3,758 |
| Core capital (leverage) ratio | 9.6303% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $54,478,500 | 4,428 |
| Average earning assets | $47,373,750 | 4,435 |
| Average equity | $4,207,750 | 4,559 |
| Average total loans | $15,369,000 | 4,511 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2639% | 2,860 |
| Cost of funding earning assets | 0.0983% | 4,207 |
| Net interest margin | 3.1656% | 2,304 |
| Noninterest income to average assets | 0.7305% | 1,236 |
| Noninterest expense to average assets | 3.0508% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4369% | 4,035 |
| Return on assets (ROA) | 0.4369% | 3,991 |
| Pretax return on assets | 0.4476% | 4,088 |
| Return on Equity (ROE) | 5.3923% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.3923% | 2,557 |
| Net charge-offs to loans | 0.0532% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 1,371 |
| Efficiency ratio | 87.2057% | 527 |
| Assets per employee ($millions) | 6.0512% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,859 |
| Loan loss allowance to noncurrent loans | 54.2125% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 1,074 |
| Noncurrent loans to loans | 1.7202% | 398 |
| Net loans and leases to total assets | 25.9816% | 4,560 |
| Net loans and leases to deposits | 27.8256% | 4,586 |
| Net loans and leases to core deposits | 27.8256% | 4,602 |
| Total domestic deposits to total assets | 93.3732% | 418 |
| Equity capital to assets | 6.4037% | 4,056 |
| Core capital (leverage) ratio | 9.3978% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,853,667 | 4,456 |
| Average earning assets | $48,837,667 | 4,473 |
| Average equity | $4,525,000 | 4,567 |
| Average total loans | $15,047,000 | 4,577 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 2,545 |
| Cost of funding earning assets | 0.1096% | 4,019 |
| Net interest margin | 3.1368% | 2,067 |
| Noninterest income to average assets | 0.7697% | 1,118 |
| Noninterest expense to average assets | 3.2882% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2317% | 4,279 |
| Return on assets (ROA) | 0.2317% | 4,246 |
| Pretax return on assets | 0.2616% | 4,252 |
| Return on Equity (ROE) | 2.5567% | 4,173 |
| Retained earnings to average equity (ytd only) | 2.5567% | 3,397 |
| Net charge-offs to loans | -0.0547% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6316% | 437 |
| Assets per employee ($millions) | 4.7241% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,366 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,517 |
| Noncurrent loans to loans | 1.2458% | 703 |
| Net loans and leases to total assets | 24.6503% | 4,605 |
| Net loans and leases to deposits | 26.8426% | 4,624 |
| Net loans and leases to core deposits | 26.8426% | 4,639 |
| Total domestic deposits to total assets | 91.8326% | 645 |
| Equity capital to assets | 7.9539% | 3,606 |
| Core capital (leverage) ratio | 9.7225% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,524,500 | 4,499 |
| Average earning assets | $47,436,500 | 4,508 |
| Average equity | $4,850,000 | 4,574 |
| Average total loans | $14,635,500 | 4,607 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 2,677 |
| Cost of funding earning assets | 0.1089% | 4,316 |
| Net interest margin | 3.3864% | 2,074 |
| Noninterest income to average assets | 1.0496% | 921 |
| Noninterest expense to average assets | 3.6071% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3824% | 4,304 |
| Return on assets (ROA) | 0.4601% | 4,210 |
| Pretax return on assets | 0.4678% | 4,298 |
| Return on Equity (ROE) | 4.5333% | 4,097 |
| Retained earnings to average equity (ytd only) | 2.6286% | 3,789 |
| Net charge-offs to loans | 0.0513% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 25.1250% | 1,731 |
| Efficiency ratio | 90.2758% | 322 |
| Assets per employee ($millions) | 4.5782% | 4,059 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,733 |
| Loan loss allowance to noncurrent loans | 95.5975% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 1,578 |
| Noncurrent loans to loans | 1.0500% | 935 |
| Net loans and leases to total assets | 29.7677% | 4,514 |
| Net loans and leases to deposits | 33.3015% | 4,546 |
| Net loans and leases to core deposits | 33.3015% | 4,577 |
| Total domestic deposits to total assets | 89.3884% | 1,304 |
| Equity capital to assets | 10.3078% | 2,364 |
| Core capital (leverage) ratio | 10.0374% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,731,600 | 4,544 |
| Average earning assets | $45,004,200 | 4,562 |
| Average equity | $5,250,000 | 4,607 |
| Average total loans | $15,607,000 | 4,639 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 2,934 |
| Cost of funding earning assets | 0.0911% | 4,568 |
| Net interest margin | 3.3723% | 2,230 |
| Noninterest income to average assets | 0.9934% | 1,079 |
| Noninterest expense to average assets | 3.6357% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2889% | 4,535 |
| Return on assets (ROA) | 0.3917% | 4,417 |
| Pretax return on assets | 0.3994% | 4,496 |
| Return on Equity (ROE) | 3.8747% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.4949% | 3,743 |
| Net charge-offs to loans | -0.0170% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5081% | 259 |
| Assets per employee ($millions) | 4.6610% | 3,999 |
| Cash dividends to net income (ytd only)* | 9.8039% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,722 |
| Loan loss allowance to noncurrent loans | 113.2867% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 1,920 |
| Noncurrent loans to loans | 0.9145% | 1,262 |
| Net loans and leases to total assets | 30.1828% | 4,585 |
| Net loans and leases to deposits | 33.8089% | 4,630 |
| Net loans and leases to core deposits | 33.8089% | 4,658 |
| Total domestic deposits to total assets | 89.2746% | 1,135 |
| Equity capital to assets | 10.3860% | 2,541 |
| Core capital (leverage) ratio | 9.7352% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,074,500 | 4,605 |
| Average earning assets | $45,349,000 | 4,619 |
| Average equity | $5,264,750 | 4,668 |
| Average total loans | $15,723,000 | 4,707 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 3,035 |
| Cost of funding earning assets | 0.1265% | 4,379 |
| Net interest margin | 3.3197% | 2,385 |
| Noninterest income to average assets | 1.0431% | 1,006 |
| Noninterest expense to average assets | 3.5726% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3974% | 4,386 |
| Return on assets (ROA) | 0.3974% | 4,429 |
| Pretax return on assets | 0.3783% | 4,525 |
| Return on Equity (ROE) | 3.9659% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.3939% | 3,722 |
| Net charge-offs to loans | -0.0127% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4255% | 332 |
| Assets per employee ($millions) | 4.1588% | 4,357 |
| Cash dividends to net income (ytd only)* | 14.4231% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,738 |
| Loan loss allowance to noncurrent loans | 67.2269% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 1,534 |
| Noncurrent loans to loans | 1.5282% | 738 |
| Net loans and leases to total assets | 26.4741% | 4,738 |
| Net loans and leases to deposits | 29.2070% | 4,770 |
| Net loans and leases to core deposits | 29.2070% | 4,788 |
| Total domestic deposits to total assets | 90.6429% | 500 |
| Equity capital to assets | 9.0892% | 3,719 |
| Core capital (leverage) ratio | 9.9330% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,342,333 | 4,630 |
| Average earning assets | $45,847,667 | 4,642 |
| Average equity | $5,244,667 | 4,701 |
| Average total loans | $15,751,667 | 4,739 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 2,968 |
| Cost of funding earning assets | 0.1241% | 4,499 |
| Net interest margin | 3.3600% | 2,219 |
| Noninterest income to average assets | 1.0202% | 1,101 |
| Noninterest expense to average assets | 3.6355% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2753% | 4,551 |
| Return on assets (ROA) | 0.2753% | 4,579 |
| Pretax return on assets | 0.2348% | 4,654 |
| Return on Equity (ROE) | 2.6049% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.6049% | 3,894 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9331% | 285 |
| Assets per employee ($millions) | 3.3877% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,791 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 1,646 |
| Noncurrent loans to loans | 0.9503% | 1,428 |
| Net loans and leases to total assets | 30.7482% | 4,675 |
| Net loans and leases to deposits | 34.3195% | 4,721 |
| Net loans and leases to core deposits | 34.5151% | 4,747 |
| Total domestic deposits to total assets | 89.5938% | 1,021 |
| Equity capital to assets | 10.1681% | 2,542 |
| Core capital (leverage) ratio | 10.3234% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,402,000 | 4,679 |
| Average earning assets | $41,905,000 | 4,703 |
| Average equity | $5,221,000 | 4,726 |
| Average total loans | $15,840,500 | 4,765 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 1,937 |
| Cost of funding earning assets | 0.1954% | 4,595 |
| Net interest margin | 4.0809% | 819 |
| Noninterest income to average assets | 0.9578% | 1,122 |
| Noninterest expense to average assets | 3.9428% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1263% | 4,650 |
| Return on assets (ROA) | 0.3347% | 4,444 |
| Pretax return on assets | 0.3010% | 4,541 |
| Return on Equity (ROE) | 3.0018% | 4,378 |
| Retained earnings to average equity (ytd only) | -1.0006% | 4,638 |
| Net charge-offs to loans | 0.0255% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,421 |
| Efficiency ratio | 97.7047% | 208 |
| Assets per employee ($millions) | 3.1992% | 4,759 |
| Cash dividends to net income (ytd only)* | 133.3333% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,843 |
| Loan loss allowance to noncurrent loans | 91.4286% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 1,579 |
| Noncurrent loans to loans | 1.1009% | 1,290 |
| Net loans and leases to total assets | 32.7915% | 4,687 |
| Net loans and leases to deposits | 36.9693% | 4,720 |
| Net loans and leases to core deposits | 37.1948% | 4,755 |
| Total domestic deposits to total assets | 88.6993% | 1,123 |
| Equity capital to assets | 10.9923% | 2,258 |
| Core capital (leverage) ratio | 10.5831% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,504,800 | 4,683 |
| Average earning assets | $35,825,600 | 4,770 |
| Average equity | $5,296,800 | 4,718 |
| Average total loans | $15,657,600 | 4,793 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 1,876 |
| Cost of funding earning assets | 0.2099% | 4,634 |
| Net interest margin | 4.1799% | 764 |
| Noninterest income to average assets | 0.9454% | 1,128 |
| Noninterest expense to average assets | 4.0941% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0113% | 4,777 |
| Return on assets (ROA) | 0.2673% | 4,540 |
| Pretax return on assets | 0.2673% | 4,587 |
| Return on Equity (ROE) | 2.3889% | 4,495 |
| Retained earnings to average equity (ytd only) | 0.3772% | 4,412 |
| Net charge-offs to loans | 0.0427% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -0.8000% | 3,154 |
| Efficiency ratio | 100.2757% | 172 |
| Assets per employee ($millions) | 2.9696% | 4,849 |
| Cash dividends to net income (ytd only)* | 84.2105% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,622 |
| Loan loss allowance to noncurrent loans | 80.3030% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 1,500 |
| Noncurrent loans to loans | 1.2686% | 1,176 |
| Net loans and leases to total assets | 32.5146% | 4,776 |
| Net loans and leases to deposits | 36.8641% | 4,813 |
| Net loans and leases to core deposits | 37.0915% | 4,832 |
| Total domestic deposits to total assets | 88.2014% | 1,112 |
| Equity capital to assets | 11.2977% | 2,151 |
| Core capital (leverage) ratio | 10.1183% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,384,000 | 4,706 |
| Average earning assets | $35,565,750 | 4,797 |
| Average equity | $5,302,250 | 4,741 |
| Average total loans | $15,598,000 | 4,826 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 2,104 |
| Cost of funding earning assets | 0.2019% | 4,759 |
| Net interest margin | 4.2351% | 848 |
| Noninterest income to average assets | 0.9506% | 1,070 |
| Noninterest expense to average assets | 4.1613% | 340 |
| Loan and lease loss provision to assets | 0.0169% | 4,023 |
| Net operating income to assets | 0.0507% | 4,729 |
| Return on assets (ROA) | 0.4689% | 4,154 |
| Pretax return on assets | 0.4689% | 4,303 |
| Return on Equity (ROE) | 4.2043% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.1742% | 4,047 |
| Net charge-offs to loans | 0.0641% | 1,603 |
| Credit loss provision to net charge-offs | 80.0000% | 2,506 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 2,701 |
| Efficiency ratio | 98.4016% | 201 |
| Assets per employee ($millions) | 2.9727% | 4,863 |
| Cash dividends to net income (ytd only)* | 72.0721% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,265 |
| Loan loss allowance to noncurrent loans | 38.1395% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 1,163 |
| Noncurrent loans to loans | 2.7897% | 380 |
| Net loans and leases to total assets | 28.4999% | 4,880 |
| Net loans and leases to deposits | 31.7841% | 4,914 |
| Net loans and leases to core deposits | 31.9552% | 4,919 |
| Total domestic deposits to total assets | 89.6672% | 506 |
| Equity capital to assets | 9.9647% | 3,239 |
| Core capital (leverage) ratio | 10.6030% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,340,667 | 4,727 |
| Average earning assets | $36,646,333 | 4,808 |
| Average equity | $5,280,333 | 4,769 |
| Average total loans | $15,594,667 | 4,855 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,610 |
| Cost of funding earning assets | 0.2167% | 4,853 |
| Net interest margin | 4.5158% | 485 |
| Noninterest income to average assets | 1.1569% | 651 |
| Noninterest expense to average assets | 4.4197% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3163% | 4,312 |
| Return on assets (ROA) | 0.3163% | 4,337 |
| Pretax return on assets | 0.3163% | 4,429 |
| Return on Equity (ROE) | 2.6644% | 4,297 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,988 |
| Net charge-offs to loans | -0.1020% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3206% | 390 |
| Assets per employee ($millions) | 2.6409% | 4,922 |
| Cash dividends to net income (ytd only)* | 100.0000% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,289 |
| Loan loss allowance to noncurrent loans | 58.2759% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 791 |
| Noncurrent loans to loans | 1.8616% | 795 |
| Net loans and leases to total assets | 34.3215% | 4,825 |
| Net loans and leases to deposits | 39.0437% | 4,852 |
| Net loans and leases to core deposits | 39.0437% | 4,889 |
| Total domestic deposits to total assets | 87.9054% | 1,146 |
| Equity capital to assets | 11.7249% | 2,263 |
| Core capital (leverage) ratio | 11.6132% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,256,500 | 4,795 |
| Average earning assets | $35,077,000 | 4,865 |
| Average equity | $5,254,500 | 4,809 |
| Average total loans | $15,685,000 | 4,888 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 2,622 |
| Cost of funding earning assets | 0.1672% | 5,021 |
| Net interest margin | 4.4312% | 839 |
| Noninterest income to average assets | 1.2816% | 577 |
| Noninterest expense to average assets | 4.4327% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5923% | 4,183 |
| Return on assets (ROA) | 0.5923% | 4,240 |
| Pretax return on assets | 0.6742% | 4,269 |
| Return on Equity (ROE) | 5.2834% | 4,135 |
| Retained earnings to average equity (ytd only) | 0.9798% | 4,387 |
| Net charge-offs to loans | 0.0616% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 31.3000% | 1,539 |
| Efficiency ratio | 86.7988% | 494 |
| Assets per employee ($millions) | 2.5657% | 4,981 |
| Cash dividends to net income (ytd only)* | 81.4545% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,251 |
| Loan loss allowance to noncurrent loans | 42.5258% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 473 |
| Noncurrent loans to loans | 2.4569% | 447 |
| Net loans and leases to total assets | 35.8278% | 4,846 |
| Net loans and leases to deposits | 40.8827% | 4,889 |
| Net loans and leases to core deposits | 40.8827% | 4,931 |
| Total domestic deposits to total assets | 87.6356% | 1,298 |
| Equity capital to assets | 12.0251% | 2,122 |
| Core capital (leverage) ratio | 12.0125% | 1,767 |
| Tier 1 risk-based capital ratio | 29.5428% | 491 |
| Total risk-based capital ratio | 30.4753% | 494 |
| Memoranda: | ||
| Average total assets | $46,428,000 | 4,809 |
| Average earning assets | $40,079,600 | 4,841 |
| Average equity | $5,205,000 | 4,859 |
| Average total loans | $16,224,600 | 4,940 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 2,675 |
| Cost of funding earning assets | 0.1593% | 5,107 |
| Net interest margin | 4.4550% | 848 |
| Noninterest income to average assets | 1.0863% | 778 |
| Noninterest expense to average assets | 4.3339% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5177% | 4,474 |
| Return on assets (ROA) | 0.5177% | 4,524 |
| Pretax return on assets | 0.6280% | 4,495 |
| Return on Equity (ROE) | 4.6966% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.9001% | 3,934 |
| Net charge-offs to loans | 0.0816% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.2048% | 1,880 |
| Efficiency ratio | 87.3432% | 435 |
| Assets per employee ($millions) | 2.4449% | 5,087 |
| Cash dividends to net income (ytd only)* | 38.2516% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,374 |
| Loan loss allowance to noncurrent loans | 30.0546% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6565% | 620 |
| Noncurrent loans to loans | 3.4431% | 241 |
| Net loans and leases to total assets | 35.8563% | 4,945 |
| Net loans and leases to deposits | 41.0307% | 4,974 |
| Net loans and leases to core deposits | 41.0307% | 5,013 |
| Total domestic deposits to total assets | 87.3889% | 1,318 |
| Equity capital to assets | 12.1112% | 2,179 |
| Core capital (leverage) ratio | 10.9972% | 2,642 |
| Tier 1 risk-based capital ratio | 30.6804% | 462 |
| Total risk-based capital ratio | 31.6376% | 461 |
| Memoranda: | ||
| Average total assets | $47,130,750 | 4,869 |
| Average earning assets | $41,001,500 | 4,899 |
| Average equity | $5,195,000 | 4,925 |
| Average total loans | $16,332,750 | 5,016 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 2,995 |
| Cost of funding earning assets | 0.1569% | 5,150 |
| Net interest margin | 4.3499% | 1,042 |
| Noninterest income to average assets | 1.0587% | 767 |
| Noninterest expense to average assets | 4.1685% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5854% | 4,342 |
| Return on assets (ROA) | 0.5854% | 4,382 |
| Pretax return on assets | 0.6892% | 4,356 |
| Return on Equity (ROE) | 5.4757% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.1165% | 3,190 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8120% | 558 |
| Assets per employee ($millions) | 2.7272% | 5,054 |
| Cash dividends to net income (ytd only)* | 24.8227% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,324 |
| Loan loss allowance to noncurrent loans | 30.7018% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 787 |
| Noncurrent loans to loans | 3.4284% | 251 |
| Net loans and leases to total assets | 31.7489% | 5,076 |
| Net loans and leases to deposits | 35.5229% | 5,116 |
| Net loans and leases to core deposits | 35.5229% | 5,131 |
| Total domestic deposits to total assets | 89.3759% | 510 |
| Equity capital to assets | 10.2497% | 3,745 |
| Core capital (leverage) ratio | 10.7680% | 2,819 |
| Tier 1 risk-based capital ratio | 27.0729% | 615 |
| Total risk-based capital ratio | 27.9697% | 634 |
| Memoranda: | ||
| Average total assets | $48,171,330 | 4,887 |
| Average earning assets | $42,070,000 | 4,922 |
| Average equity | $5,150,000 | 4,965 |
| Average total loans | $16,462,000 | 5,054 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 2,541 |
| Cost of funding earning assets | 0.1585% | 5,196 |
| Net interest margin | 4.4378% | 828 |
| Noninterest income to average assets | 1.1047% | 664 |
| Noninterest expense to average assets | 4.4014% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5178% | 4,467 |
| Return on assets (ROA) | 0.5178% | 4,488 |
| Pretax return on assets | 0.5696% | 4,568 |
| Return on Equity (ROE) | 4.7342% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.9726% | 4,076 |
| Net charge-offs to loans | 0.0733% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,514 |
| Efficiency ratio | 88.5417% | 458 |
| Assets per employee ($millions) | 2.6434% | 5,129 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,295 |
| Loan loss allowance to noncurrent loans | 32.0298% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3472% | 947 |
| Noncurrent loans to loans | 3.3410% | 284 |
| Net loans and leases to total assets | 33.4188% | 5,086 |
| Net loans and leases to deposits | 37.5679% | 5,120 |
| Net loans and leases to core deposits | 37.5679% | 5,151 |
| Total domestic deposits to total assets | 88.9557% | 875 |
| Equity capital to assets | 10.7585% | 3,089 |
| Core capital (leverage) ratio | 10.6491% | 2,897 |
| Tier 1 risk-based capital ratio | 27.9925% | 560 |
| Total risk-based capital ratio | 28.9145% | 568 |
| Memoranda: | ||
| Average total assets | $46,349,000 | 4,974 |
| Average earning assets | $40,380,000 | 4,998 |
| Average equity | $5,069,500 | 5,018 |
| Average total loans | $16,380,000 | 5,120 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,969 |
| Cost of funding earning assets | 0.1676% | 5,127 |
| Net interest margin | 4.4896% | 779 |
| Noninterest income to average assets | 1.2034% | 634 |
| Noninterest expense to average assets | 4.1544% | 430 |
| Loan and lease loss provision to assets | 0.0314% | 3,554 |
| Net operating income to assets | 0.5588% | 4,527 |
| Return on assets (ROA) | 0.5588% | 4,527 |
| Pretax return on assets | 0.6614% | 4,511 |
| Return on Equity (ROE) | 5.3185% | 4,380 |
| Retained earnings to average equity (ytd only) | 0.9960% | 4,704 |
| Net charge-offs to loans | 0.1495% | 1,284 |
| Credit loss provision to net charge-offs | 60.0000% | 3,101 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 2,478 |
| Efficiency ratio | 85.7081% | 545 |
| Assets per employee ($millions) | 2.5065% | 5,207 |
| Cash dividends to net income (ytd only)* | 81.2734% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,389 |
| Loan loss allowance to noncurrent loans | 38.7168% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 1,018 |
| Noncurrent loans to loans | 2.7087% | 416 |
| Net loans and leases to total assets | 36.5982% | 5,053 |
| Net loans and leases to deposits | 41.3348% | 5,097 |
| Net loans and leases to core deposits | 41.3348% | 5,140 |
| Total domestic deposits to total assets | 88.5409% | 1,052 |
| Equity capital to assets | 11.1266% | 2,578 |
| Core capital (leverage) ratio | 11.1629% | 2,386 |
| Tier 1 risk-based capital ratio | 28.0968% | 556 |
| Total risk-based capital ratio | 29.0468% | 564 |
| Memoranda: | ||
| Average total assets | $47,780,600 | 4,979 |
| Average earning assets | $38,778,400 | 5,059 |
| Average equity | $5,020,200 | 5,047 |
| Average total loans | $16,726,000 | 5,154 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 2,289 |
| Cost of funding earning assets | 0.1643% | 5,173 |
| Net interest margin | 4.3404% | 1,033 |
| Noninterest income to average assets | 1.1807% | 677 |
| Noninterest expense to average assets | 4.0566% | 488 |
| Loan and lease loss provision to assets | 0.0303% | 3,413 |
| Net operating income to assets | 0.4981% | 4,764 |
| Return on assets (ROA) | 0.4981% | 4,770 |
| Pretax return on assets | 0.5834% | 4,756 |
| Return on Equity (ROE) | 4.8071% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.1339% | 4,179 |
| Net charge-offs to loans | 0.1673% | 990 |
| Credit loss provision to net charge-offs | 52.3810% | 2,808 |
| Earnings coverage of net charge-offs (x) | 10.6189% | 2,571 |
| Efficiency ratio | 86.8592% | 471 |
| Assets per employee ($millions) | 2.5998% | 5,259 |
| Cash dividends to net income (ytd only)* | 34.8071% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,463 |
| Loan loss allowance to noncurrent loans | 40.1376% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 1,197 |
| Noncurrent loans to loans | 2.6159% | 482 |
| Net loans and leases to total assets | 35.2416% | 5,163 |
| Net loans and leases to deposits | 39.6633% | 5,216 |
| Net loans and leases to core deposits | 39.6633% | 5,244 |
| Total domestic deposits to total assets | 88.8518% | 893 |
| Equity capital to assets | 10.7250% | 2,917 |
| Core capital (leverage) ratio | 10.3664% | 3,215 |
| Tier 1 risk-based capital ratio | 27.8282% | 580 |
| Total risk-based capital ratio | 28.7516% | 589 |
| Memoranda: | ||
| Average total assets | $48,446,500 | 5,020 |
| Average earning assets | $38,950,500 | 5,120 |
| Average equity | $5,020,250 | 5,105 |
| Average total loans | $16,735,750 | 5,217 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 2,248 |
| Cost of funding earning assets | 0.1643% | 5,183 |
| Net interest margin | 4.2880% | 1,058 |
| Noninterest income to average assets | 1.1634% | 710 |
| Noninterest expense to average assets | 4.1146% | 464 |
| Loan and lease loss provision to assets | -0.0122% | 5,310 |
| Net operating income to assets | 0.4082% | 4,943 |
| Return on assets (ROA) | 0.4082% | 4,949 |
| Pretax return on assets | 0.4694% | 4,959 |
| Return on Equity (ROE) | 3.9835% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.8681% | 4,104 |
| Net charge-offs to loans | 0.0716% | 1,622 |
| Credit loss provision to net charge-offs | -50.0000% | 4,012 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,887 |
| Efficiency ratio | 90.0000% | 368 |
| Assets per employee ($millions) | 2.8963% | 5,164 |
| Cash dividends to net income (ytd only)* | 28.0000% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,488 |
| Loan loss allowance to noncurrent loans | 38.6813% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 1,271 |
| Noncurrent loans to loans | 2.7355% | 444 |
| Net loans and leases to total assets | 31.5673% | 5,296 |
| Net loans and leases to deposits | 35.0395% | 5,340 |
| Net loans and leases to core deposits | 35.0395% | 5,355 |
| Total domestic deposits to total assets | 90.0907% | 541 |
| Equity capital to assets | 9.6503% | 3,968 |
| Core capital (leverage) ratio | 9.6826% | 3,907 |
| Tier 1 risk-based capital ratio | 24.0731% | 827 |
| Total risk-based capital ratio | 24.9443% | 837 |
| Memoranda: | ||
| Average total assets | $48,996,330 | 5,067 |
| Average earning assets | $38,946,000 | 5,178 |
| Average equity | $5,020,670 | 5,159 |
| Average total loans | $16,758,670 | 5,273 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 2,242 |
| Cost of funding earning assets | 0.1502% | 5,268 |
| Net interest margin | 4.2360% | 1,091 |
| Noninterest income to average assets | 1.1554% | 692 |
| Noninterest expense to average assets | 4.4193% | 318 |
| Loan and lease loss provision to assets | -0.0506% | 5,464 |
| Net operating income to assets | 0.3036% | 5,087 |
| Return on assets (ROA) | 0.3036% | 5,092 |
| Pretax return on assets | 0.3542% | 5,094 |
| Return on Equity (ROE) | 2.8711% | 5,049 |
| Retained earnings to average equity (ytd only) | 0.6380% | 4,704 |
| Net charge-offs to loans | 0.0951% | 1,225 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,996 |
| Efficiency ratio | 93.5714% | 311 |
| Assets per employee ($millions) | 2.4170% | 5,413 |
| Cash dividends to net income (ytd only)* | 77.7778% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,688 |
| Loan loss allowance to noncurrent loans | 33.7187% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 1,240 |
| Noncurrent loans to loans | 3.1024% | 377 |
| Net loans and leases to total assets | 34.2456% | 5,265 |
| Net loans and leases to deposits | 38.2698% | 5,313 |
| Net loans and leases to core deposits | 38.2698% | 5,350 |
| Total domestic deposits to total assets | 89.4847% | 897 |
| Equity capital to assets | 10.3291% | 3,243 |
| Core capital (leverage) ratio | 10.6595% | 2,783 |
| Tier 1 risk-based capital ratio | 26.2727% | 663 |
| Total risk-based capital ratio | 27.1681% | 674 |
| Memoranda: | ||
| Average total assets | $47,428,000 | 5,156 |
| Average earning assets | $39,943,000 | 5,224 |
| Average equity | $5,015,500 | 5,218 |
| Average total loans | $16,821,500 | 5,330 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,246 |
| Cost of funding earning assets | 0.1422% | 5,308 |
| Net interest margin | 4.5371% | 568 |
| Noninterest income to average assets | 1.2333% | 691 |
| Noninterest expense to average assets | 4.1702% | 431 |
| Loan and lease loss provision to assets | 0.0941% | 2,323 |
| Net operating income to assets | 0.4243% | 4,609 |
| Return on assets (ROA) | 0.4243% | 4,632 |
| Pretax return on assets | 0.5707% | 4,805 |
| Return on Equity (ROE) | 3.9610% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.0537% | 4,611 |
| Net charge-offs to loans | 0.2394% | 1,084 |
| Credit loss provision to net charge-offs | 112.5000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 7.9500% | 2,972 |
| Efficiency ratio | 86.2516% | 626 |
| Assets per employee ($millions) | 2.4483% | 5,476 |
| Cash dividends to net income (ytd only)* | 73.3990% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,389 |
| Loan loss allowance to noncurrent loans | 50.5464% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 1,686 |
| Noncurrent loans to loans | 2.1639% | 684 |
| Net loans and leases to total assets | 35.9632% | 5,287 |
| Net loans and leases to deposits | 40.5051% | 5,331 |
| Net loans and leases to core deposits | 40.5051% | 5,375 |
| Total domestic deposits to total assets | 88.7869% | 1,094 |
| Equity capital to assets | 10.8304% | 2,805 |
| Core capital (leverage) ratio | 10.5967% | 2,740 |
| Tier 1 risk-based capital ratio | 25.3042% | 702 |
| Total risk-based capital ratio | 26.2501% | 709 |
| Memoranda: | ||
| Average total assets | $47,839,000 | 5,194 |
| Average earning assets | $37,975,800 | 5,304 |
| Average equity | $5,125,000 | 5,253 |
| Average total loans | $16,708,600 | 5,398 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 1,169 |
| Cost of funding earning assets | 0.1456% | 5,336 |
| Net interest margin | 4.5404% | 548 |
| Noninterest income to average assets | 1.2096% | 712 |
| Noninterest expense to average assets | 4.0772% | 478 |
| Loan and lease loss provision to assets | 0.0609% | 2,861 |
| Net operating income to assets | 0.5563% | 4,550 |
| Return on assets (ROA) | 0.5563% | 4,588 |
| Pretax return on assets | 0.6117% | 4,819 |
| Return on Equity (ROE) | 5.2070% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.2070% | 2,737 |
| Net charge-offs to loans | 0.2401% | 888 |
| Credit loss provision to net charge-offs | 73.3333% | 2,663 |
| Earnings coverage of net charge-offs (x) | 8.0998% | 2,815 |
| Efficiency ratio | 85.8392% | 641 |
| Assets per employee ($millions) | 2.5885% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,996 |
| Loan loss allowance to noncurrent loans | 39.1800% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 1,628 |
| Noncurrent loans to loans | 2.5781% | 569 |
| Net loans and leases to total assets | 36.1771% | 5,338 |
| Net loans and leases to deposits | 40.9305% | 5,391 |
| Net loans and leases to core deposits | 40.9305% | 5,444 |
| Total domestic deposits to total assets | 88.3867% | 1,178 |
| Equity capital to assets | 11.2742% | 2,597 |
| Core capital (leverage) ratio | 10.5060% | 2,981 |
| Tier 1 risk-based capital ratio | 26.2295% | 659 |
| Total risk-based capital ratio | 27.0918% | 679 |
| Memoranda: | ||
| Average total assets | $48,169,500 | 5,245 |
| Average earning assets | $37,558,500 | 5,369 |
| Average equity | $5,146,750 | 5,306 |
| Average total loans | $16,657,250 | 5,460 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,247 |
| Cost of funding earning assets | 0.1441% | 5,371 |
| Net interest margin | 4.4575% | 625 |
| Noninterest income to average assets | 1.1418% | 771 |
| Noninterest expense to average assets | 4.0251% | 512 |
| Loan and lease loss provision to assets | 0.0575% | 2,823 |
| Net operating income to assets | 0.4523% | 4,852 |
| Return on assets (ROA) | 0.5134% | 4,707 |
| Pretax return on assets | 0.5545% | 4,896 |
| Return on Equity (ROE) | 4.8911% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.8911% | 2,782 |
| Net charge-offs to loans | 0.3024% | 671 |
| Credit loss provision to net charge-offs | 56.0000% | 2,494 |
| Earnings coverage of net charge-offs (x) | 5.3200% | 2,834 |
| Efficiency ratio | 88.0503% | 542 |
| Assets per employee ($millions) | 2.8822% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,136 |
| Loan loss allowance to noncurrent loans | 35.5789% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0023% | 1,745 |
| Noncurrent loans to loans | 2.8150% | 487 |
| Net loans and leases to total assets | 32.1999% | 5,497 |
| Net loans and leases to deposits | 35.8669% | 5,543 |
| Net loans and leases to core deposits | 35.8669% | 5,568 |
| Total domestic deposits to total assets | 89.7762% | 610 |
| Equity capital to assets | 10.0060% | 3,902 |
| Core capital (leverage) ratio | 10.6121% | 2,797 |
| Tier 1 risk-based capital ratio | 24.9003% | 760 |
| Total risk-based capital ratio | 25.7121% | 786 |
| Memoranda: | ||
| Average total assets | $48,695,000 | 5,277 |
| Average earning assets | $37,465,330 | 5,410 |
| Average equity | $5,111,330 | 5,345 |
| Average total loans | $16,533,670 | 5,514 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,150 |
| Cost of funding earning assets | 0.1515% | 5,363 |
| Net interest margin | 4.4465% | 579 |
| Noninterest income to average assets | 1.0530% | 906 |
| Noninterest expense to average assets | 4.1441% | 455 |
| Loan and lease loss provision to assets | 0.0679% | 2,456 |
| Net operating income to assets | 0.3312% | 5,126 |
| Return on assets (ROA) | 0.3567% | 5,079 |
| Pretax return on assets | 0.3567% | 5,229 |
| Return on Equity (ROE) | 3.3126% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.3126% | 3,781 |
| Net charge-offs to loans | 0.6111% | 291 |
| Credit loss provision to net charge-offs | 32.0000% | 2,104 |
| Earnings coverage of net charge-offs (x) | 1.8800% | 2,668 |
| Efficiency ratio | 91.2150% | 493 |
| Assets per employee ($millions) | 2.6574% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 4,137 |
| Loan loss allowance to noncurrent loans | 40.3465% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9387% | 1,959 |
| Noncurrent loans to loans | 2.5385% | 613 |
| Net loans and leases to total assets | 32.9312% | 5,502 |
| Net loans and leases to deposits | 36.9453% | 5,552 |
| Net loans and leases to core deposits | 36.9453% | 5,603 |
| Total domestic deposits to total assets | 89.1351% | 1,089 |
| Equity capital to assets | 10.6851% | 2,979 |
| Core capital (leverage) ratio | 10.4878% | 2,916 |
| Tier 1 risk-based capital ratio | 26.7435% | 644 |
| Total risk-based capital ratio | 27.5969% | 653 |
| Memoranda: | ||
| Average total assets | $47,103,000 | 5,368 |
| Average earning assets | $36,972,500 | 5,483 |
| Average equity | $5,071,500 | 5,406 |
| Average total loans | $16,363,500 | 5,579 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,227 |
| Cost of funding earning assets | 0.1391% | 5,491 |
| Net interest margin | 4.4834% | 648 |
| Noninterest income to average assets | 1.2076% | 780 |
| Noninterest expense to average assets | 4.2994% | 447 |
| Loan and lease loss provision to assets | 0.0284% | 3,789 |
| Net operating income to assets | 0.4052% | 4,921 |
| Return on assets (ROA) | 0.4052% | 5,008 |
| Pretax return on assets | 0.5369% | 4,953 |
| Return on Equity (ROE) | 3.8644% | 4,881 |
| Retained earnings to average equity (ytd only) | 0.9854% | 4,931 |
| Net charge-offs to loans | 0.1983% | 1,398 |
| Credit loss provision to net charge-offs | 41.1765% | 3,488 |
| Earnings coverage of net charge-offs (x) | 8.2059% | 2,902 |
| Efficiency ratio | 88.3798% | 646 |
| Assets per employee ($millions) | 2.4407% | 5,684 |
| Cash dividends to net income (ytd only)* | 74.5000% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,883 |
| Loan loss allowance to noncurrent loans | 50.4202% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9855% | 1,924 |
| Noncurrent loans to loans | 2.1235% | 823 |
| Net loans and leases to total assets | 35.8657% | 5,488 |
| Net loans and leases to deposits | 40.3073% | 5,542 |
| Net loans and leases to core deposits | 40.3073% | 5,590 |
| Total domestic deposits to total assets | 88.9807% | 1,134 |
| Equity capital to assets | 10.8511% | 2,762 |
| Core capital (leverage) ratio | 10.5479% | 2,831 |
| Tier 1 risk-based capital ratio | 26.0581% | 700 |
| Total risk-based capital ratio | 26.9827% | 697 |
| Memoranda: | ||
| Average total assets | $49,356,000 | 5,360 |
| Average earning assets | $40,259,400 | 5,464 |
| Average equity | $5,175,400 | 5,442 |
| Average total loans | $17,145,600 | 5,609 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 1,424 |
| Cost of funding earning assets | 0.1399% | 5,549 |
| Net interest margin | 4.4014% | 774 |
| Noninterest income to average assets | 1.1975% | 802 |
| Noninterest expense to average assets | 4.1461% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5322% | 4,566 |
| Return on assets (ROA) | 0.5322% | 4,670 |
| Pretax return on assets | 0.6520% | 4,736 |
| Return on Equity (ROE) | 5.1170% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.1170% | 2,742 |
| Net charge-offs to loans | 0.1935% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.8008% | 2,651 |
| Efficiency ratio | 86.4115% | 790 |
| Assets per employee ($millions) | 2.8242% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 4,340 |
| Loan loss allowance to noncurrent loans | 55.0314% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 2,489 |
| Noncurrent loans to loans | 1.8376% | 1,112 |
| Net loans and leases to total assets | 33.6966% | 5,632 |
| Net loans and leases to deposits | 37.8129% | 5,683 |
| Net loans and leases to core deposits | 37.8129% | 5,726 |
| Total domestic deposits to total assets | 89.1140% | 845 |
| Equity capital to assets | 10.4847% | 3,584 |
| Core capital (leverage) ratio | 9.9748% | 3,606 |
| Tier 1 risk-based capital ratio | 25.3606% | 777 |
| Total risk-based capital ratio | 26.2105% | 800 |
| Memoranda: | ||
| Average total assets | $50,101,750 | 5,395 |
| Average earning assets | $40,985,750 | 5,497 |
| Average equity | $5,211,250 | 5,487 |
| Average total loans | $17,229,000 | 5,666 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 1,486 |
| Cost of funding earning assets | 0.1356% | 5,642 |
| Net interest margin | 4.3718% | 811 |
| Noninterest income to average assets | 1.2034% | 778 |
| Noninterest expense to average assets | 4.1759% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5496% | 4,482 |
| Return on assets (ROA) | 0.5496% | 4,590 |
| Pretax return on assets | 0.6499% | 4,760 |
| Return on Equity (ROE) | 5.2981% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.2981% | 2,546 |
| Net charge-offs to loans | 0.1511% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.4615% | 2,182 |
| Efficiency ratio | 86.5337% | 834 |
| Assets per employee ($millions) | 2.7263% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,975 |
| Loan loss allowance to noncurrent loans | 69.2593% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 2,833 |
| Noncurrent loans to loans | 1.5798% | 1,358 |
| Net loans and leases to total assets | 32.6332% | 5,724 |
| Net loans and leases to deposits | 36.4585% | 5,779 |
| Net loans and leases to core deposits | 36.4585% | 5,809 |
| Total domestic deposits to total assets | 89.5077% | 678 |
| Equity capital to assets | 10.1429% | 4,035 |
| Core capital (leverage) ratio | 10.0801% | 3,475 |
| Tier 1 risk-based capital ratio | 25.0656% | 801 |
| Total risk-based capital ratio | 25.9740% | 824 |
| Memoranda: | ||
| Average total assets | $49,857,000 | 5,463 |
| Average earning assets | $41,310,330 | 5,555 |
| Average equity | $5,171,670 | 5,551 |
| Average total loans | $17,203,670 | 5,731 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 1,452 |
| Cost of funding earning assets | 0.1507% | 5,606 |
| Net interest margin | 4.3702% | 795 |
| Noninterest income to average assets | 1.0637% | 960 |
| Noninterest expense to average assets | 4.1648% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4582% | 4,795 |
| Return on assets (ROA) | 0.4582% | 4,877 |
| Pretax return on assets | 0.4582% | 5,190 |
| Return on Equity (ROE) | 4.3660% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.3660% | 3,296 |
| Net charge-offs to loans | 0.4403% | 517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.9474% | 2,609 |
| Efficiency ratio | 90.0885% | 672 |
| Assets per employee ($millions) | 2.5889% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 4,303 |
| Loan loss allowance to noncurrent loans | 70.4280% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 2,736 |
| Noncurrent loans to loans | 1.5011% | 1,560 |
| Net loans and leases to total assets | 34.4386% | 5,697 |
| Net loans and leases to deposits | 38.5745% | 5,757 |
| Net loans and leases to core deposits | 38.5745% | 5,806 |
| Total domestic deposits to total assets | 89.2781% | 962 |
| Equity capital to assets | 10.4759% | 3,528 |
| Core capital (leverage) ratio | 9.9475% | 3,599 |
| Tier 1 risk-based capital ratio | 24.9582% | 818 |
| Total risk-based capital ratio | 25.8477% | 837 |
| Memoranda: | ||
| Average total assets | $48,885,500 | 5,533 |
| Average earning assets | $39,815,500 | 5,640 |
| Average equity | $5,130,500 | 5,604 |
| Average total loans | $17,260,000 | 5,781 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 1,298 |
| Cost of funding earning assets | 0.1682% | 5,548 |
| Net interest margin | 4.4463% | 720 |
| Noninterest income to average assets | 1.3025% | 715 |
| Noninterest expense to average assets | 4.0074% | 669 |
| Loan and lease loss provision to assets | 0.1289% | 1,870 |
| Net operating income to assets | 0.1404% | 5,701 |
| Return on assets (ROA) | 0.1847% | 5,658 |
| Pretax return on assets | 0.5406% | 5,015 |
| Return on Equity (ROE) | 1.8668% | 5,600 |
| Retained earnings to average equity (ytd only) | 1.8668% | 4,663 |
| Net charge-offs to loans | 0.7377% | 319 |
| Credit loss provision to net charge-offs | 51.5385% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,917 |
| Efficiency ratio | 86.9729% | 911 |
| Assets per employee ($millions) | 2.4291% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,758 |
| Loan loss allowance to noncurrent loans | 58.4795% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 2,137 |
| Noncurrent loans to loans | 1.9656% | 1,072 |
| Net loans and leases to total assets | 35.4020% | 5,727 |
| Net loans and leases to deposits | 39.7683% | 5,778 |
| Net loans and leases to core deposits | 39.7683% | 5,831 |
| Total domestic deposits to total assets | 89.0206% | 1,110 |
| Equity capital to assets | 10.5142% | 3,346 |
| Core capital (leverage) ratio | 10.2509% | 3,201 |
| Tier 1 risk-based capital ratio | 24.9679% | 817 |
| Total risk-based capital ratio | 25.9561% | 825 |
| Memoranda: | ||
| Average total assets | $51,978,400 | 5,505 |
| Average earning assets | $38,639,000 | 5,712 |
| Average equity | $5,142,400 | 5,624 |
| Average total loans | $17,621,600 | 5,803 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 1,365 |
| Cost of funding earning assets | 0.1666% | 5,658 |
| Net interest margin | 4.4188% | 765 |
| Noninterest income to average assets | 1.1887% | 858 |
| Noninterest expense to average assets | 3.8615% | 777 |
| Loan and lease loss provision to assets | 0.1565% | 1,386 |
| Net operating income to assets | 0.2094% | 5,659 |
| Return on assets (ROA) | 0.2675% | 5,618 |
| Pretax return on assets | 0.4745% | 5,281 |
| Return on Equity (ROE) | 2.7437% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.7437% | 4,469 |
| Net charge-offs to loans | 0.6637% | 330 |
| Credit loss provision to net charge-offs | 70.4545% | 2,758 |
| Earnings coverage of net charge-offs (x) | 2.4319% | 3,671 |
| Efficiency ratio | 87.7294% | 868 |
| Assets per employee ($millions) | 2.4877% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,872 |
| Loan loss allowance to noncurrent loans | 94.4223% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 2,716 |
| Noncurrent loans to loans | 1.4269% | 1,771 |
| Net loans and leases to total assets | 34.8776% | 5,824 |
| Net loans and leases to deposits | 39.1089% | 5,895 |
| Net loans and leases to core deposits | 39.1089% | 5,942 |
| Total domestic deposits to total assets | 89.1808% | 928 |
| Equity capital to assets | 10.3670% | 3,735 |
| Core capital (leverage) ratio | 9.4752% | 4,331 |
| Tier 1 risk-based capital ratio | 24.3672% | 910 |
| Total risk-based capital ratio | 25.5077% | 907 |
| Memoranda: | ||
| Average total assets | $52,827,500 | 5,555 |
| Average earning assets | $38,410,250 | 5,797 |
| Average equity | $5,151,000 | 5,689 |
| Average total loans | $17,677,250 | 5,872 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,276 |
| Cost of funding earning assets | 0.1784% | 5,625 |
| Net interest margin | 4.4229% | 733 |
| Noninterest income to average assets | 1.1706% | 881 |
| Noninterest expense to average assets | 3.6865% | 1,005 |
| Loan and lease loss provision to assets | 0.2304% | 802 |
| Net operating income to assets | 0.2705% | 5,529 |
| Return on assets (ROA) | 0.3642% | 5,359 |
| Pretax return on assets | 0.5203% | 5,176 |
| Return on Equity (ROE) | 3.8068% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.8068% | 3,584 |
| Net charge-offs to loans | 1.0060% | 206 |
| Credit loss provision to net charge-offs | 69.6629% | 2,468 |
| Earnings coverage of net charge-offs (x) | 1.8652% | 3,438 |
| Efficiency ratio | 85.6649% | 1,084 |
| Assets per employee ($millions) | 2.7614% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 2,901 |
| Loan loss allowance to noncurrent loans | 47.8702% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.9266% | 1,162 |
| Noncurrent loans to loans | 2.8583% | 714 |
| Net loans and leases to total assets | 30.8038% | 6,016 |
| Net loans and leases to deposits | 34.0936% | 6,080 |
| Net loans and leases to core deposits | 34.0936% | 6,107 |
| Total domestic deposits to total assets | 90.3507% | 514 |
| Equity capital to assets | 9.3270% | 4,864 |
| Core capital (leverage) ratio | 9.3319% | 4,513 |
| Tier 1 risk-based capital ratio | 23.0580% | 1,073 |
| Total risk-based capital ratio | 24.1345% | 1,073 |
| Memoranda: | ||
| Average total assets | $53,818,330 | 5,593 |
| Average earning assets | $38,120,000 | 5,860 |
| Average equity | $5,148,670 | 5,740 |
| Average total loans | $17,694,670 | 5,939 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 1,089 |
| Cost of funding earning assets | 0.1801% | 5,679 |
| Net interest margin | 4.4920% | 609 |
| Noninterest income to average assets | 1.1899% | 804 |
| Noninterest expense to average assets | 3.4191% | 1,455 |
| Loan and lease loss provision to assets | 0.3012% | 483 |
| Net operating income to assets | 0.5995% | 4,293 |
| Return on assets (ROA) | 0.8435% | 3,168 |
| Pretax return on assets | 0.9338% | 3,767 |
| Return on Equity (ROE) | 8.7033% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.7033% | 1,308 |
| Net charge-offs to loans | 1.4511% | 132 |
| Credit loss provision to net charge-offs | 61.5385% | 1,984 |
| Earnings coverage of net charge-offs (x) | 1.9692% | 2,839 |
| Efficiency ratio | 78.0069% | 2,188 |
| Assets per employee ($millions) | 2.4399% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 3,067 |
| Loan loss allowance to noncurrent loans | 44.5693% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 1,069 |
| Noncurrent loans to loans | 3.0713% | 685 |
| Net loans and leases to total assets | 31.9479% | 6,002 |
| Net loans and leases to deposits | 35.4758% | 6,076 |
| Net loans and leases to core deposits | 35.4758% | 6,113 |
| Total domestic deposits to total assets | 90.0555% | 723 |
| Equity capital to assets | 9.6855% | 4,527 |
| Core capital (leverage) ratio | 9.2927% | 4,583 |
| Tier 1 risk-based capital ratio | 23.2356% | 1,080 |
| Total risk-based capital ratio | 24.3263% | 1,075 |
| Memoranda: | ||
| Average total assets | $53,114,000 | 5,663 |
| Average earning assets | $37,756,000 | 5,930 |
| Average equity | $5,147,500 | 5,795 |
| Average total loans | $17,918,000 | 5,981 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 854 |
| Cost of funding earning assets | 0.1814% | 5,900 |
| Net interest margin | 4.7663% | 461 |
| Noninterest income to average assets | 1.1707% | 879 |
| Noninterest expense to average assets | 3.8993% | 861 |
| Loan and lease loss provision to assets | 0.0354% | 3,885 |
| Net operating income to assets | 0.4425% | 5,050 |
| Return on assets (ROA) | 0.4527% | 5,101 |
| Pretax return on assets | 0.7834% | 4,318 |
| Return on Equity (ROE) | 5.0571% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.0571% | 2,559 |
| Net charge-offs to loans | 0.6430% | 603 |
| Credit loss provision to net charge-offs | 15.6250% | 4,027 |
| Earnings coverage of net charge-offs (x) | 3.5469% | 3,868 |
| Efficiency ratio | 82.9259% | 1,539 |
| Assets per employee ($millions) | 2.5024% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 2,819 |
| Loan loss allowance to noncurrent loans | 57.4236% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.0894% | 1,189 |
| Noncurrent loans to loans | 2.4825% | 1,027 |
| Net loans and leases to total assets | 34.6070% | 6,015 |
| Net loans and leases to deposits | 38.4637% | 6,086 |
| Net loans and leases to core deposits | 38.4637% | 6,137 |
| Total domestic deposits to total assets | 89.9734% | 740 |
| Equity capital to assets | 9.7831% | 4,380 |
| Core capital (leverage) ratio | 9.3294% | 4,494 |
| Tier 1 risk-based capital ratio | 21.8529% | 1,246 |
| Total risk-based capital ratio | 23.0017% | 1,236 |
| Memoranda: | ||
| Average total assets | $56,548,400 | 5,639 |
| Average earning assets | $41,898,400 | 5,873 |
| Average equity | $5,062,200 | 5,842 |
| Average total loans | $19,907,000 | 5,963 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 1,035 |
| Cost of funding earning assets | 0.1835% | 5,967 |
| Net interest margin | 4.6554% | 556 |
| Noninterest income to average assets | 1.0936% | 1,019 |
| Noninterest expense to average assets | 3.7278% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5532% | 4,664 |
| Return on assets (ROA) | 0.5792% | 4,626 |
| Pretax return on assets | 0.8735% | 4,099 |
| Return on Equity (ROE) | 6.6104% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.6104% | 2,037 |
| Net charge-offs to loans | 0.5591% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.2353% | 3,507 |
| Efficiency ratio | 81.7166% | 1,657 |
| Assets per employee ($millions) | 2.6204% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 2,896 |
| Loan loss allowance to noncurrent loans | 49.3955% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 2.0644% | 1,370 |
| Noncurrent loans to loans | 2.9603% | 905 |
| Net loans and leases to total assets | 35.0234% | 6,069 |
| Net loans and leases to deposits | 38.7631% | 6,160 |
| Net loans and leases to core deposits | 38.7631% | 6,217 |
| Total domestic deposits to total assets | 90.3524% | 591 |
| Equity capital to assets | 9.3478% | 4,979 |
| Core capital (leverage) ratio | 8.9718% | 5,109 |
| Tier 1 risk-based capital ratio | 20.9604% | 1,459 |
| Total risk-based capital ratio | 22.1598% | 1,450 |
| Memoranda: | ||
| Average total assets | $57,548,000 | 5,675 |
| Average earning assets | $42,873,500 | 5,922 |
| Average equity | $5,042,500 | 5,904 |
| Average total loans | $20,271,500 | 6,017 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 1,098 |
| Cost of funding earning assets | 0.1890% | 6,010 |
| Net interest margin | 4.5951% | 590 |
| Noninterest income to average assets | 1.0824% | 1,017 |
| Noninterest expense to average assets | 3.6891% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6371% | 4,170 |
| Return on assets (ROA) | 0.6371% | 4,273 |
| Pretax return on assets | 0.8084% | 4,234 |
| Return on Equity (ROE) | 7.4271% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.4271% | 1,553 |
| Net charge-offs to loans | 0.6826% | 564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.3714% | 3,323 |
| Efficiency ratio | 82.0259% | 1,740 |
| Assets per employee ($millions) | 2.5925% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 2,980 |
| Loan loss allowance to noncurrent loans | 53.8600% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.8726% | 1,738 |
| Noncurrent loans to loans | 2.7537% | 1,092 |
| Net loans and leases to total assets | 34.9388% | 6,107 |
| Net loans and leases to deposits | 38.5353% | 6,206 |
| Net loans and leases to core deposits | 38.5353% | 6,259 |
| Total domestic deposits to total assets | 90.6670% | 519 |
| Equity capital to assets | 8.9736% | 5,321 |
| Core capital (leverage) ratio | 8.4803% | 5,649 |
| Tier 1 risk-based capital ratio | 19.7859% | 1,736 |
| Total risk-based capital ratio | 20.9929% | 1,712 |
| Memoranda: | ||
| Average total assets | $58,387,670 | 5,703 |
| Average earning assets | $43,393,670 | 5,964 |
| Average equity | $5,008,670 | 5,955 |
| Average total loans | $20,509,000 | 6,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 1,663 |
| Cost of funding earning assets | 0.1917% | 6,065 |
| Net interest margin | 4.3538% | 890 |
| Noninterest income to average assets | 1.0023% | 1,124 |
| Noninterest expense to average assets | 3.6706% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4267% | 5,019 |
| Return on assets (ROA) | 0.4267% | 5,082 |
| Pretax return on assets | 0.5621% | 4,977 |
| Return on Equity (ROE) | 5.0868% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.0868% | 3,072 |
| Net charge-offs to loans | 0.9492% | 364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6939% | 3,040 |
| Efficiency ratio | 86.7200% | 1,372 |
| Assets per employee ($millions) | 2.7720% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 2,814 |
| Loan loss allowance to noncurrent loans | 55.9233% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.9169% | 1,792 |
| Noncurrent loans to loans | 2.8148% | 1,174 |
| Net loans and leases to total assets | 32.9119% | 6,232 |
| Net loans and leases to deposits | 35.9895% | 6,318 |
| Net loans and leases to core deposits | 38.7703% | 6,281 |
| Total domestic deposits to total assets | 91.4486% | 396 |
| Equity capital to assets | 8.1792% | 5,923 |
| Core capital (leverage) ratio | 8.1842% | 5,962 |
| Tier 1 risk-based capital ratio | 18.4054% | 2,147 |
| Total risk-based capital ratio | 19.6335% | 2,120 |
| Memoranda: | ||
| Average total assets | $59,064,500 | 5,738 |
| Average earning assets | $43,824,000 | 6,010 |
| Average equity | $4,954,000 | 6,007 |
| Average total loans | $20,650,000 | 6,107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 1,306 |
| Cost of funding earning assets | 0.2899% | 5,676 |
| Net interest margin | 4.5139% | 719 |
| Noninterest income to average assets | 1.7573% | 486 |
| Noninterest expense to average assets | 3.8439% | 1,067 |
| Loan and lease loss provision to assets | 0.2802% | 1,233 |
| Net operating income to assets | 1.1777% | 1,654 |
| Return on assets (ROA) | 1.1513% | 1,819 |
| Pretax return on assets | 1.2577% | 2,327 |
| Return on Equity (ROE) | 14.6377% | 824 |
| Retained earnings to average equity (ytd only) | 14.6377% | 181 |
| Net charge-offs to loans | 0.9620% | 621 |
| Credit loss provision to net charge-offs | 76.1468% | 3,136 |
| Earnings coverage of net charge-offs (x) | 4.2569% | 3,623 |
| Efficiency ratio | 71.0452% | 3,659 |
| Assets per employee ($millions) | 2.5975% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 2,163 |
| Loan loss allowance to noncurrent loans | 54.7337% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 1,514 |
| Noncurrent loans to loans | 3.2332% | 1,035 |
| Net loans and leases to total assets | 35.9402% | 6,205 |
| Net loans and leases to deposits | 39.4817% | 6,318 |
| Net loans and leases to core deposits | 39.4817% | 6,382 |
| Total domestic deposits to total assets | 91.0298% | 554 |
| Equity capital to assets | 8.6097% | 5,470 |
| Core capital (leverage) ratio | 8.2401% | 5,938 |
| Tier 1 risk-based capital ratio | 18.4013% | 2,113 |
| Total risk-based capital ratio | 19.6567% | 2,072 |
| Memoranda: | ||
| Average total assets | $59,237,400 | 5,779 |
| Average earning assets | $47,940,600 | 5,939 |
| Average equity | $4,659,200 | 6,150 |
| Average total loans | $22,660,400 | 6,090 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,510 |
| Cost of funding earning assets | 0.3157% | 5,595 |
| Net interest margin | 4.4197% | 856 |
| Noninterest income to average assets | 1.3163% | 854 |
| Noninterest expense to average assets | 3.7237% | 1,214 |
| Loan and lease loss provision to assets | 0.3235% | 1,027 |
| Net operating income to assets | 0.8739% | 2,978 |
| Return on assets (ROA) | 0.8389% | 3,280 |
| Pretax return on assets | 0.8567% | 4,065 |
| Return on Equity (ROE) | 10.9125% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.9125% | 590 |
| Net charge-offs to loans | 1.1141% | 506 |
| Credit loss provision to net charge-offs | 75.1295% | 2,962 |
| Earnings coverage of net charge-offs (x) | 2.8238% | 3,894 |
| Efficiency ratio | 75.3839% | 2,829 |
| Assets per employee ($millions) | 2.5348% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 2,457 |
| Loan loss allowance to noncurrent loans | 73.8189% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1612% | 1,846 |
| Noncurrent loans to loans | 2.3687% | 1,858 |
| Net loans and leases to total assets | 36.1424% | 6,276 |
| Net loans and leases to deposits | 39.3755% | 6,403 |
| Net loans and leases to core deposits | 39.3755% | 6,467 |
| Total domestic deposits to total assets | 91.7890% | 287 |
| Equity capital to assets | 7.9245% | 6,193 |
| Core capital (leverage) ratio | 7.3123% | 6,506 |
| Tier 1 risk-based capital ratio | 16.8366% | 2,782 |
| Total risk-based capital ratio | 18.0871% | 2,739 |
| Memoranda: | ||
| Average total assets | $59,760,500 | 5,825 |
| Average earning assets | $48,991,500 | 5,989 |
| Average equity | $4,594,000 | 6,252 |
| Average total loans | $23,098,500 | 6,134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 1,550 |
| Cost of funding earning assets | 0.3479% | 5,428 |
| Net interest margin | 4.3582% | 927 |
| Noninterest income to average assets | 1.3013% | 917 |
| Noninterest expense to average assets | 3.6118% | 1,392 |
| Loan and lease loss provision to assets | 0.4813% | 582 |
| Net operating income to assets | 0.6838% | 3,887 |
| Return on assets (ROA) | 0.6838% | 4,052 |
| Pretax return on assets | 0.8266% | 4,212 |
| Return on Equity (ROE) | 8.9852% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.9852% | 1,123 |
| Net charge-offs to loans | 0.6850% | 959 |
| Credit loss provision to net charge-offs | 179.0123% | 1,334 |
| Earnings coverage of net charge-offs (x) | 4.8642% | 3,015 |
| Efficiency ratio | 73.4143% | 3,240 |
| Assets per employee ($millions) | 2.6066% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 1,438 |
| Loan loss allowance to noncurrent loans | 77.9200% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.2151% | 1,949 |
| Noncurrent loans to loans | 2.8135% | 1,605 |
| Net loans and leases to total assets | 36.2413% | 6,285 |
| Net loans and leases to deposits | 39.3356% | 6,437 |
| Net loans and leases to core deposits | 39.3356% | 6,494 |
| Total domestic deposits to total assets | 92.1336% | 229 |
| Equity capital to assets | 7.6112% | 6,408 |
| Core capital (leverage) ratio | 6.9447% | 6,626 |
| Tier 1 risk-based capital ratio | 16.1890% | 3,095 |
| Total risk-based capital ratio | 17.4809% | 3,019 |
| Memoranda: | ||
| Average total assets | $60,247,330 | 5,850 |
| Average earning assets | $50,020,330 | 5,992 |
| Average equity | $4,585,330 | 6,304 |
| Average total loans | $23,649,330 | 6,142 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,502 |
| Cost of funding earning assets | 0.3820% | 5,264 |
| Net interest margin | 4.3298% | 910 |
| Noninterest income to average assets | 1.1590% | 1,113 |
| Noninterest expense to average assets | 3.3380% | 1,989 |
| Loan and lease loss provision to assets | 0.1987% | 1,870 |
| Net operating income to assets | 1.2253% | 1,451 |
| Return on assets (ROA) | 1.2253% | 1,563 |
| Pretax return on assets | 1.2253% | 2,486 |
| Return on Equity (ROE) | 16.0992% | 597 |
| Retained earnings to average equity (ytd only) | 16.0992% | 271 |
| Net charge-offs to loans | 0.4761% | 1,253 |
| Credit loss provision to net charge-offs | 103.4483% | 1,780 |
| Earnings coverage of net charge-offs (x) | 7.4138% | 2,071 |
| Efficiency ratio | 70.0974% | 3,951 |
| Assets per employee ($millions) | 2.5012% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,778 |
| Loan loss allowance to noncurrent loans | 36.7418% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 1,946 |
| Noncurrent loans to loans | 4.7806% | 825 |
| Net loans and leases to total assets | 37.9258% | 6,154 |
| Net loans and leases to deposits | 41.1297% | 6,372 |
| Net loans and leases to core deposits | 41.1297% | 6,432 |
| Total domestic deposits to total assets | 92.2101% | 214 |
| Equity capital to assets | 7.4892% | 6,596 |
| Core capital (leverage) ratio | 7.1117% | 6,610 |
| Tier 1 risk-based capital ratio | 15.1711% | 3,723 |
| Total risk-based capital ratio | 16.4575% | 3,652 |
| Memoranda: | ||
| Average total assets | $60,395,500 | 5,898 |
| Average earning assets | $50,256,000 | 6,043 |
| Average equity | $4,596,500 | 6,371 |
| Average total loans | $24,367,000 | 6,157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 1,117 |
| Cost of funding earning assets | 0.5110% | 5,141 |
| Net interest margin | 4.6867% | 667 |
| Noninterest income to average assets | 1.5261% | 675 |
| Noninterest expense to average assets | 4.1327% | 828 |
| Loan and lease loss provision to assets | 0.4164% | 1,538 |
| Net operating income to assets | 0.8139% | 3,226 |
| Return on assets (ROA) | 0.9067% | 3,024 |
| Pretax return on assets | 1.0444% | 3,375 |
| Return on Equity (ROE) | 11.8544% | 1,547 |
| Retained earnings to average equity (ytd only) | 6.2084% | 1,969 |
| Net charge-offs to loans | 0.4845% | 2,298 |
| Credit loss provision to net charge-offs | 203.3613% | 1,261 |
| Earnings coverage of net charge-offs (x) | 6.6134% | 2,776 |
| Efficiency ratio | 75.3214% | 2,859 |
| Assets per employee ($millions) | 2.6482% | 6,483 |
| Cash dividends to net income (ytd only)* | 47.6281% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 2,860 |
| Loan loss allowance to noncurrent loans | 37.9372% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.6416% | 1,835 |
| Noncurrent loans to loans | 4.5334% | 939 |
| Net loans and leases to total assets | 41.4892% | 6,046 |
| Net loans and leases to deposits | 45.1442% | 6,297 |
| Net loans and leases to core deposits | 45.1442% | 6,413 |
| Total domestic deposits to total assets | 91.9037% | 262 |
| Equity capital to assets | 7.7410% | 6,529 |
| Core capital (leverage) ratio | 7.1938% | 6,636 |
| Tier 1 risk-based capital ratio | 12.7232% | 5,314 |
| Total risk-based capital ratio | 14.0035% | 5,227 |
| Memoranda: | ||
| Average total assets | $58,122,200 | 5,970 |
| Average earning assets | $49,118,200 | 6,083 |
| Average equity | $4,445,600 | 6,456 |
| Average total loans | $24,561,400 | 6,217 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 1,196 |
| Cost of funding earning assets | 0.5485% | 5,098 |
| Net interest margin | 4.6490% | 746 |
| Noninterest income to average assets | 1.5011% | 663 |
| Noninterest expense to average assets | 3.8906% | 1,072 |
| Loan and lease loss provision to assets | 0.2249% | 2,809 |
| Net operating income to assets | 1.2009% | 1,733 |
| Return on assets (ROA) | 1.2050% | 1,894 |
| Pretax return on assets | 1.3198% | 2,525 |
| Return on Equity (ROE) | 15.8027% | 773 |
| Retained earnings to average equity (ytd only) | 8.2474% | 1,519 |
| Net charge-offs to loans | 0.3204% | 2,843 |
| Credit loss provision to net charge-offs | 166.1017% | 1,678 |
| Earnings coverage of net charge-offs (x) | 11.3735% | 2,083 |
| Efficiency ratio | 71.6399% | 3,390 |
| Assets per employee ($millions) | 2.5333% | 6,673 |
| Cash dividends to net income (ytd only)* | 47.8099% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,509 |
| Loan loss allowance to noncurrent loans | 31.4180% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 2.4371% | 2,172 |
| Noncurrent loans to loans | 4.3520% | 1,112 |
| Net loans and leases to total assets | 41.9689% | 6,133 |
| Net loans and leases to deposits | 45.7957% | 6,402 |
| Net loans and leases to core deposits | 45.7957% | 6,522 |
| Total domestic deposits to total assets | 91.6436% | 260 |
| Equity capital to assets | 7.8672% | 6,654 |
| Core capital (leverage) ratio | 7.0910% | 6,778 |
| Tier 1 risk-based capital ratio | 12.7486% | 5,443 |
| Total risk-based capital ratio | 13.7890% | 5,578 |
| Memoranda: | ||
| Average total assets | $58,087,500 | 6,040 |
| Average earning assets | $49,098,750 | 6,158 |
| Average equity | $4,429,500 | 6,534 |
| Average total loans | $24,553,000 | 6,305 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 1,048 |
| Cost of funding earning assets | 0.5919% | 4,966 |
| Net interest margin | 4.7109% | 662 |
| Noninterest income to average assets | 1.3166% | 821 |
| Noninterest expense to average assets | 3.8430% | 1,152 |
| Loan and lease loss provision to assets | 0.1344% | 3,846 |
| Net operating income to assets | 1.2138% | 1,667 |
| Return on assets (ROA) | 1.7371% | 703 |
| Pretax return on assets | 1.8405% | 963 |
| Return on Equity (ROE) | 23.0242% | 212 |
| Retained earnings to average equity (ytd only) | 11.5578% | 653 |
| Net charge-offs to loans | 0.2288% | 3,203 |
| Credit loss provision to net charge-offs | 139.2857% | 1,982 |
| Earnings coverage of net charge-offs (x) | 15.0357% | 1,670 |
| Efficiency ratio | 72.5911% | 3,324 |
| Assets per employee ($millions) | 2.4178% | 6,823 |
| Cash dividends to net income (ytd only)* | 49.8016% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,138 |
| Loan loss allowance to noncurrent loans | 42.9558% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 2.5763% | 2,164 |
| Noncurrent loans to loans | 2.9004% | 2,061 |
| Net loans and leases to total assets | 42.4812% | 6,154 |
| Net loans and leases to deposits | 46.7034% | 6,391 |
| Net loans and leases to core deposits | 46.7034% | 6,533 |
| Total domestic deposits to total assets | 90.9595% | 459 |
| Equity capital to assets | 7.7497% | 6,695 |
| Core capital (leverage) ratio | 6.9732% | 6,829 |
| Tier 1 risk-based capital ratio | 11.4195% | 6,268 |
| Total risk-based capital ratio | 12.2792% | 6,458 |
| Memoranda: | ||
| Average total assets | $58,027,670 | 6,078 |
| Average earning assets | $48,992,670 | 6,196 |
| Average equity | $4,378,000 | 6,577 |
| Average total loans | $24,473,000 | 6,345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 1,356 |
| Cost of funding earning assets | 0.6134% | 5,024 |
| Net interest margin | 4.5680% | 870 |
| Noninterest income to average assets | 1.2201% | 965 |
| Noninterest expense to average assets | 4.1498% | 784 |
| Loan and lease loss provision to assets | 0.0827% | 4,352 |
| Net operating income to assets | 0.8892% | 2,971 |
| Return on assets (ROA) | 0.8892% | 3,194 |
| Pretax return on assets | 0.8892% | 4,070 |
| Return on Equity (ROE) | 11.9486% | 1,685 |
| Retained earnings to average equity (ytd only) | -11.3002% | 6,878 |
| Net charge-offs to loans | 0.0165% | 4,454 |
| Credit loss provision to net charge-offs | 1,200.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 257 |
| Efficiency ratio | 81.0229% | 2,074 |
| Assets per employee ($millions) | 2.5117% | 6,839 |
| Cash dividends to net income (ytd only)* | 194.5736% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 5,164 |
| Loan loss allowance to noncurrent loans | 22.0724% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 2.8998% | 2,000 |
| Noncurrent loans to loans | 5.7517% | 904 |
| Net loans and leases to total assets | 40.1221% | 6,339 |
| Net loans and leases to deposits | 43.6192% | 6,577 |
| Net loans and leases to core deposits | 43.6192% | 6,671 |
| Total domestic deposits to total assets | 91.9825% | 260 |
| Equity capital to assets | 7.0686% | 6,919 |
| Core capital (leverage) ratio | 6.6086% | 6,951 |
| Tier 1 risk-based capital ratio | 9.8806% | 6,903 |
| Total risk-based capital ratio | 10.6630% | 6,975 |
| Memoranda: | ||
| Average total assets | $58,027,500 | 6,116 |
| Average earning assets | $49,562,000 | 6,218 |
| Average equity | $4,318,500 | 6,630 |
| Average total loans | $24,228,500 | 6,411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 1,688 |
| Cost of funding earning assets | 0.7768% | 5,025 |
| Net interest margin | 4.5274% | 1,073 |
| Noninterest income to average assets | 1.3124% | 749 |
| Noninterest expense to average assets | 4.1847% | 826 |
| Loan and lease loss provision to assets | 0.2600% | 3,612 |
| Net operating income to assets | 0.7154% | 3,414 |
| Return on assets (ROA) | 0.7154% | 3,588 |
| Pretax return on assets | 0.7656% | 4,096 |
| Return on Equity (ROE) | 9.2477% | 2,348 |
| Retained earnings to average equity (ytd only) | 3.5925% | 3,659 |
| Net charge-offs to loans | 0.6619% | 2,501 |
| Credit loss provision to net charge-offs | 92.3567% | 3,901 |
| Earnings coverage of net charge-offs (x) | 3.6433% | 3,441 |
| Efficiency ratio | 80.3166% | 2,261 |
| Assets per employee ($millions) | 2.2310% | 7,061 |
| Cash dividends to net income (ytd only)* | 61.1529% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 5,159 |
| Loan loss allowance to noncurrent loans | 24.8963% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 2.7665% | 2,196 |
| Noncurrent loans to loans | 5.0292% | 1,118 |
| Net loans and leases to total assets | 42.4212% | 6,344 |
| Net loans and leases to deposits | 46.1119% | 6,622 |
| Net loans and leases to core deposits | 46.1119% | 6,732 |
| Total domestic deposits to total assets | 91.9963% | 239 |
| Equity capital to assets | 7.8459% | 6,660 |
| Core capital (leverage) ratio | 7.1639% | 6,809 |
| Tier 1 risk-based capital ratio | 10.8992% | 6,506 |
| Total risk-based capital ratio | 11.7097% | 6,683 |
| Memoranda: | ||
| Average total assets | $55,775,000 | 6,172 |
| Average earning assets | $48,019,000 | 6,258 |
| Average equity | $4,314,600 | 6,651 |
| Average total loans | $23,721,000 | 6,477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 1,903 |
| Cost of funding earning assets | 0.8195% | 5,014 |
| Net interest margin | 4.4699% | 1,218 |
| Noninterest income to average assets | 1.2574% | 814 |
| Noninterest expense to average assets | 3.9873% | 1,018 |
| Loan and lease loss provision to assets | 0.2414% | 3,592 |
| Net operating income to assets | 0.8773% | 2,833 |
| Return on assets (ROA) | 0.8773% | 2,977 |
| Pretax return on assets | 0.9012% | 3,763 |
| Return on Equity (ROE) | 11.3815% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.8146% | 4,012 |
| Net charge-offs to loans | 0.6649% | 2,255 |
| Credit loss provision to net charge-offs | 85.5932% | 3,939 |
| Earnings coverage of net charge-offs (x) | 4.0508% | 3,196 |
| Efficiency ratio | 77.7260% | 2,583 |
| Assets per employee ($millions) | 2.3653% | 7,021 |
| Cash dividends to net income (ytd only)* | 66.4861% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 5,325 |
| Loan loss allowance to noncurrent loans | 26.1525% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 2.3711% | 2,708 |
| Noncurrent loans to loans | 4.7224% | 1,362 |
| Net loans and leases to total assets | 41.5576% | 6,524 |
| Net loans and leases to deposits | 45.1131% | 6,784 |
| Net loans and leases to core deposits | 45.1131% | 6,886 |
| Total domestic deposits to total assets | 92.1187% | 198 |
| Equity capital to assets | 7.6470% | 6,869 |
| Core capital (leverage) ratio | 7.0381% | 6,947 |
| Tier 1 risk-based capital ratio | 10.6496% | 6,721 |
| Total risk-based capital ratio | 11.4346% | 6,892 |
| Memoranda: | ||
| Average total assets | $55,775,250 | 6,216 |
| Average earning assets | $48,322,000 | 6,302 |
| Average equity | $4,299,250 | 6,708 |
| Average total loans | $23,661,250 | 6,551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 1,936 |
| Cost of funding earning assets | 0.8662% | 4,940 |
| Net interest margin | 4.4182% | 1,319 |
| Noninterest income to average assets | 1.2697% | 778 |
| Noninterest expense to average assets | 3.8164% | 1,327 |
| Loan and lease loss provision to assets | 0.2381% | 3,537 |
| Net operating income to assets | 1.0605% | 2,001 |
| Return on assets (ROA) | 1.0605% | 2,096 |
| Pretax return on assets | 1.0605% | 3,007 |
| Return on Equity (ROE) | 13.7212% | 1,040 |
| Retained earnings to average equity (ytd only) | 2.3335% | 4,801 |
| Net charge-offs to loans | 0.7123% | 2,087 |
| Credit loss provision to net charge-offs | 78.5714% | 3,819 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 2,909 |
| Efficiency ratio | 74.6121% | 3,250 |
| Assets per employee ($millions) | 2.3255% | 7,094 |
| Cash dividends to net income (ytd only)* | 82.9932% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,458 |
| Loan loss allowance to noncurrent loans | 26.2500% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3973% | 2,755 |
| Noncurrent loans to loans | 4.6512% | 1,416 |
| Net loans and leases to total assets | 42.6181% | 6,552 |
| Net loans and leases to deposits | 46.2448% | 6,816 |
| Net loans and leases to core deposits | 46.2448% | 6,923 |
| Total domestic deposits to total assets | 92.1576% | 209 |
| Equity capital to assets | 7.6435% | 6,882 |
| Core capital (leverage) ratio | 6.9018% | 7,031 |
| Tier 1 risk-based capital ratio | 10.7233% | 6,699 |
| Total risk-based capital ratio | 11.5256% | 6,875 |
| Memoranda: | ||
| Average total assets | $55,444,670 | 6,277 |
| Average earning assets | $48,255,000 | 6,359 |
| Average equity | $4,285,330 | 6,749 |
| Average total loans | $23,586,330 | 6,612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 1,526 |
| Cost of funding earning assets | 0.8851% | 5,029 |
| Net interest margin | 4.5255% | 1,014 |
| Noninterest income to average assets | 1.3029% | 752 |
| Noninterest expense to average assets | 3.6699% | 1,601 |
| Loan and lease loss provision to assets | 0.4777% | 1,841 |
| Net operating income to assets | 1.0785% | 1,914 |
| Return on assets (ROA) | 1.0785% | 1,967 |
| Pretax return on assets | 1.0785% | 2,836 |
| Return on Equity (ROE) | 13.8766% | 1,012 |
| Retained earnings to average equity (ytd only) | -8.8475% | 6,804 |
| Net charge-offs to loans | 1.3368% | 1,036 |
| Credit loss provision to net charge-offs | 84.6154% | 3,049 |
| Earnings coverage of net charge-offs (x) | 2.7564% | 2,975 |
| Efficiency ratio | 70.2216% | 4,211 |
| Assets per employee ($millions) | 2.3671% | 7,127 |
| Cash dividends to net income (ytd only)* | 163.7584% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 5,246 |
| Loan loss allowance to noncurrent loans | 34.8028% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.8940% | 3,445 |
| Noncurrent loans to loans | 3.6715% | 2,013 |
| Net loans and leases to total assets | 40.7984% | 6,718 |
| Net loans and leases to deposits | 44.1637% | 6,949 |
| Net loans and leases to core deposits | 46.6058% | 6,946 |
| Total domestic deposits to total assets | 92.3800% | 191 |
| Equity capital to assets | 7.4299% | 6,904 |
| Core capital (leverage) ratio | 7.0705% | 6,972 |
| Tier 1 risk-based capital ratio | 10.0268% | 6,993 |
| Total risk-based capital ratio | 10.7857% | 7,142 |
| Memoranda: | ||
| Average total assets | $55,261,000 | 6,333 |
| Average earning assets | $47,906,000 | 6,416 |
| Average equity | $4,295,000 | 6,779 |
| Average total loans | $23,339,500 | 6,679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8391% | 1,180 |
| Cost of funding earning assets | 1.1440% | 4,883 |
| Net interest margin | 4.6951% | 829 |
| Noninterest income to average assets | 1.3236% | 841 |
| Noninterest expense to average assets | 4.4095% | 712 |
| Loan and lease loss provision to assets | 0.3067% | 4,351 |
| Net operating income to assets | 0.6358% | 3,506 |
| Return on assets (ROA) | 0.8124% | 2,876 |
| Pretax return on assets | 0.8124% | 3,590 |
| Return on Equity (ROE) | 9.8592% | 1,981 |
| Retained earnings to average equity (ytd only) | 4.3543% | 2,793 |
| Net charge-offs to loans | 0.6891% | 2,942 |
| Credit loss provision to net charge-offs | 100.6098% | 4,519 |
| Earnings coverage of net charge-offs (x) | 3.0915% | 3,529 |
| Efficiency ratio | 82.3897% | 2,112 |
| Assets per employee ($millions) | 2.2380% | 7,269 |
| Cash dividends to net income (ytd only)* | 55.8352% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,784 |
| Loan loss allowance to noncurrent loans | 37.7724% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.2993% | 2,970 |
| Noncurrent loans to loans | 3.5602% | 2,117 |
| Net loans and leases to total assets | 42.6151% | 6,816 |
| Net loans and leases to deposits | 46.5186% | 7,021 |
| Net loans and leases to core deposits | 49.5390% | 6,998 |
| Total domestic deposits to total assets | 91.6088% | 370 |
| Equity capital to assets | 8.1343% | 6,339 |
| Core capital (leverage) ratio | 7.4928% | 6,712 |
| Tier 1 risk-based capital ratio | 11.3906% | 6,000 |
| Total risk-based capital ratio | 12.2540% | 6,299 |
| Memoranda: | ||
| Average total assets | $53,793,400 | 6,410 |
| Average earning assets | $46,154,600 | 6,505 |
| Average equity | $4,432,400 | 6,843 |
| Average total loans | $23,798,800 | 6,743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8705% | 1,205 |
| Cost of funding earning assets | 1.1926% | 4,899 |
| Net interest margin | 4.6779% | 884 |
| Noninterest income to average assets | 1.3156% | 791 |
| Noninterest expense to average assets | 4.3432% | 711 |
| Loan and lease loss provision to assets | 0.2676% | 4,444 |
| Net operating income to assets | 0.7185% | 3,327 |
| Return on assets (ROA) | 0.9514% | 2,537 |
| Pretax return on assets | 0.9514% | 3,362 |
| Return on Equity (ROE) | 11.5099% | 1,647 |
| Retained earnings to average equity (ytd only) | 4.1963% | 3,533 |
| Net charge-offs to loans | 0.6013% | 2,935 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 3.6851% | 3,336 |
| Efficiency ratio | 81.4970% | 2,131 |
| Assets per employee ($millions) | 2.1942% | 7,388 |
| Cash dividends to net income (ytd only)* | 63.5423% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,962 |
| Loan loss allowance to noncurrent loans | 36.8921% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 2.2860% | 3,098 |
| Noncurrent loans to loans | 3.5231% | 2,239 |
| Net loans and leases to total assets | 43.0535% | 6,901 |
| Net loans and leases to deposits | 47.0890% | 7,125 |
| Net loans and leases to core deposits | 50.4163% | 7,108 |
| Total domestic deposits to total assets | 91.4301% | 327 |
| Equity capital to assets | 8.3748% | 6,421 |
| Core capital (leverage) ratio | 7.5093% | 6,837 |
| Tier 1 risk-based capital ratio | 11.2142% | 6,177 |
| Total risk-based capital ratio | 12.0682% | 6,511 |
| Memoranda: | ||
| Average total assets | $53,814,000 | 6,483 |
| Average earning assets | $46,173,250 | 6,586 |
| Average equity | $4,448,250 | 6,927 |
| Average total loans | $23,948,250 | 6,827 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9819% | 991 |
| Cost of funding earning assets | 1.2471% | 4,850 |
| Net interest margin | 4.7347% | 759 |
| Noninterest income to average assets | 1.3167% | 732 |
| Noninterest expense to average assets | 4.2381% | 772 |
| Loan and lease loss provision to assets | 0.2731% | 4,205 |
| Net operating income to assets | 0.8529% | 2,719 |
| Return on assets (ROA) | 1.2007% | 1,629 |
| Pretax return on assets | 1.2007% | 2,412 |
| Return on Equity (ROE) | 14.5920% | 925 |
| Retained earnings to average equity (ytd only) | 3.5003% | 3,881 |
| Net charge-offs to loans | 0.6095% | 2,705 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 4.1233% | 3,047 |
| Efficiency ratio | 79.0098% | 2,571 |
| Assets per employee ($millions) | 2.0004% | 7,574 |
| Cash dividends to net income (ytd only)* | 76.0125% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 5,098 |
| Loan loss allowance to noncurrent loans | 31.8974% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9663% | 3,533 |
| Noncurrent loans to loans | 3.9684% | 1,920 |
| Net loans and leases to total assets | 44.9131% | 6,860 |
| Net loans and leases to deposits | 49.2168% | 7,102 |
| Net loans and leases to core deposits | 49.5253% | 7,228 |
| Total domestic deposits to total assets | 91.2555% | 398 |
| Equity capital to assets | 8.5668% | 6,073 |
| Core capital (leverage) ratio | 7.1337% | 7,107 |
| Tier 1 risk-based capital ratio | 11.1050% | 6,134 |
| Total risk-based capital ratio | 11.9641% | 6,500 |
| Memoranda: | ||
| Average total assets | $53,467,000 | 6,537 |
| Average earning assets | $45,704,670 | 6,645 |
| Average equity | $4,399,670 | 6,978 |
| Average total loans | $23,955,000 | 6,869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9556% | 1,061 |
| Cost of funding earning assets | 1.2718% | 4,985 |
| Net interest margin | 4.6838% | 805 |
| Noninterest income to average assets | 1.2858% | 735 |
| Noninterest expense to average assets | 4.0981% | 902 |
| Loan and lease loss provision to assets | 0.3158% | 3,526 |
| Net operating income to assets | 0.8873% | 2,602 |
| Return on assets (ROA) | 1.5791% | 837 |
| Pretax return on assets | 1.5791% | 1,316 |
| Return on Equity (ROE) | 19.5987% | 402 |
| Retained earnings to average equity (ytd only) | 0.5600% | 5,605 |
| Net charge-offs to loans | 0.7104% | 2,080 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 3.8095% | 2,773 |
| Efficiency ratio | 77.3050% | 3,016 |
| Assets per employee ($millions) | 2.2150% | 7,530 |
| Cash dividends to net income (ytd only)* | 97.1429% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,866 |
| Loan loss allowance to noncurrent loans | 49.1311% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 4,466 |
| Noncurrent loans to loans | 2.6704% | 3,002 |
| Net loans and leases to total assets | 42.2447% | 7,110 |
| Net loans and leases to deposits | 45.9398% | 7,333 |
| Net loans and leases to core deposits | 48.8719% | 7,325 |
| Total domestic deposits to total assets | 91.9567% | 254 |
| Equity capital to assets | 7.7219% | 6,910 |
| Core capital (leverage) ratio | 7.1861% | 7,116 |
| Tier 1 risk-based capital ratio | 10.6546% | 6,487 |
| Total risk-based capital ratio | 11.5031% | 6,841 |
| Memoranda: | ||
| Average total assets | $53,195,000 | 6,628 |
| Average earning assets | $45,604,000 | 6,722 |
| Average equity | $4,286,000 | 7,079 |
| Average total loans | $23,648,000 | 6,966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8476% | 354 |
| Cost of funding earning assets | 1.6609% | 4,726 |
| Net interest margin | 5.1866% | 303 |
| Noninterest income to average assets | 1.4524% | 686 |
| Noninterest expense to average assets | 4.5564% | 753 |
| Loan and lease loss provision to assets | 0.4234% | 4,288 |
| Net operating income to assets | 0.7233% | 2,839 |
| Return on assets (ROA) | 0.7708% | 2,725 |
| Pretax return on assets | 0.7708% | 3,340 |
| Return on Equity (ROE) | 9.7115% | 1,779 |
| Retained earnings to average equity (ytd only) | 2.3442% | 3,479 |
| Net charge-offs to loans | 0.9344% | 2,528 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.7085% | 3,749 |
| Efficiency ratio | 79.8935% | 2,906 |
| Assets per employee ($millions) | 2.0406% | 7,707 |
| Cash dividends to net income (ytd only)* | 75.8621% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,658 |
| Loan loss allowance to noncurrent loans | 58.9015% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 4,825 |
| Noncurrent loans to loans | 2.2380% | 3,354 |
| Net loans and leases to total assets | 45.6356% | 7,015 |
| Net loans and leases to deposits | 50.2298% | 7,251 |
| Net loans and leases to core deposits | 63.4256% | 7,127 |
| Total domestic deposits to total assets | 90.8537% | 591 |
| Equity capital to assets | 8.4211% | 6,029 |
| Core capital (leverage) ratio | 7.4718% | 6,817 |
| Tier 1 risk-based capital ratio | 9.9452% | 6,922 |
| Total risk-based capital ratio | 10.7490% | 7,201 |
| Memoranda: | ||
| Average total assets | $52,673,000 | 6,606 |
| Average earning assets | $43,168,600 | 6,806 |
| Average equity | $4,180,600 | 7,217 |
| Average total loans | $23,866,200 | 6,986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8165% | 405 |
| Cost of funding earning assets | 1.7324% | 4,733 |
| Net interest margin | 5.0841% | 380 |
| Noninterest income to average assets | 1.4843% | 674 |
| Noninterest expense to average assets | 4.4429% | 790 |
| Loan and lease loss provision to assets | 0.2838% | 4,706 |
| Net operating income to assets | 0.9293% | 2,311 |
| Return on assets (ROA) | 0.9870% | 2,166 |
| Pretax return on assets | 0.9870% | 2,947 |
| Return on Equity (ROE) | 12.6209% | 1,198 |
| Retained earnings to average equity (ytd only) | 10.5657% | 540 |
| Net charge-offs to loans | 0.9191% | 2,133 |
| Credit loss provision to net charge-offs | 68.4848% | 6,011 |
| Earnings coverage of net charge-offs (x) | 2.9273% | 3,767 |
| Efficiency ratio | 78.5524% | 3,069 |
| Assets per employee ($millions) | 1.9274% | 7,844 |
| Cash dividends to net income (ytd only)* | 16.2847% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 5,795 |
| Loan loss allowance to noncurrent loans | 34.5794% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 3,952 |
| Noncurrent loans to loans | 3.1502% | 2,399 |
| Net loans and leases to total assets | 45.1894% | 7,160 |
| Net loans and leases to deposits | 49.6674% | 7,424 |
| Net loans and leases to core deposits | 62.9335% | 7,287 |
| Total domestic deposits to total assets | 90.9840% | 428 |
| Equity capital to assets | 8.6048% | 6,112 |
| Core capital (leverage) ratio | 7.6530% | 6,795 |
| Tier 1 risk-based capital ratio | 11.8257% | 5,134 |
| Total risk-based capital ratio | 12.5801% | 5,552 |
| Memoranda: | ||
| Average total assets | $53,087,500 | 6,635 |
| Average earning assets | $43,559,750 | 6,837 |
| Average equity | $4,151,750 | 7,302 |
| Average total loans | $23,934,750 | 7,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8459% | 413 |
| Cost of funding earning assets | 1.8085% | 4,717 |
| Net interest margin | 5.0374% | 396 |
| Noninterest income to average assets | 1.3399% | 853 |
| Noninterest expense to average assets | 4.3716% | 873 |
| Loan and lease loss provision to assets | 0.1347% | 5,731 |
| Net operating income to assets | 0.9619% | 2,236 |
| Return on assets (ROA) | 1.0442% | 2,034 |
| Pretax return on assets | 1.0442% | 2,830 |
| Return on Equity (ROE) | 13.8016% | 1,028 |
| Retained earnings to average equity (ytd only) | 10.6357% | 623 |
| Net charge-offs to loans | 0.4419% | 3,044 |
| Credit loss provision to net charge-offs | 67.9245% | 5,458 |
| Earnings coverage of net charge-offs (x) | 5.5283% | 2,814 |
| Efficiency ratio | 79.9452% | 3,051 |
| Assets per employee ($millions) | 2.1629% | 7,714 |
| Cash dividends to net income (ytd only)* | 22.9391% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,616 |
| Loan loss allowance to noncurrent loans | 33.1081% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 1.6570% | 3,717 |
| Noncurrent loans to loans | 3.7697% | 1,822 |
| Net loans and leases to total assets | 43.0204% | 7,395 |
| Net loans and leases to deposits | 46.7747% | 7,608 |
| Net loans and leases to core deposits | 55.2043% | 7,625 |
| Total domestic deposits to total assets | 91.9737% | 222 |
| Equity capital to assets | 7.7933% | 6,992 |
| Core capital (leverage) ratio | 7.2502% | 7,305 |
| Tier 1 risk-based capital ratio | 10.2715% | 6,626 |
| Total risk-based capital ratio | 11.0450% | 7,089 |
| Memoranda: | ||
| Average total assets | $53,436,330 | 6,688 |
| Average earning assets | $43,792,330 | 6,892 |
| Average equity | $4,043,000 | 7,396 |
| Average total loans | $23,987,670 | 7,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6670% | 618 |
| Cost of funding earning assets | 1.8520% | 4,867 |
| Net interest margin | 4.8151% | 588 |
| Noninterest income to average assets | 1.2877% | 859 |
| Noninterest expense to average assets | 4.4956% | 711 |
| Loan and lease loss provision to assets | 0.2711% | 3,789 |
| Net operating income to assets | 0.5347% | 4,277 |
| Return on assets (ROA) | 0.5798% | 4,302 |
| Pretax return on assets | 0.5798% | 4,819 |
| Return on Equity (ROE) | 7.7827% | 3,253 |
| Retained earnings to average equity (ytd only) | 1.3140% | 5,110 |
| Net charge-offs to loans | 0.5950% | 1,986 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 2.9722% | 3,317 |
| Efficiency ratio | 84.8011% | 2,211 |
| Assets per employee ($millions) | 2.1104% | 7,800 |
| Cash dividends to net income (ytd only)* | 83.1169% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,045 |
| Loan loss allowance to noncurrent loans | 41.6332% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 3,938 |
| Noncurrent loans to loans | 3.1355% | 2,063 |
| Net loans and leases to total assets | 42.8522% | 7,418 |
| Net loans and leases to deposits | 46.3237% | 7,650 |
| Net loans and leases to core deposits | 56.9019% | 7,573 |
| Total domestic deposits to total assets | 92.5059% | 123 |
| Equity capital to assets | 7.2499% | 7,526 |
| Core capital (leverage) ratio | 6.8664% | 7,716 |
| Tier 1 risk-based capital ratio | 9.5644% | 7,374 |
| Total risk-based capital ratio | 10.3785% | 7,727 |
| Memoranda: | ||
| Average total assets | $53,118,500 | 6,736 |
| Average earning assets | $44,277,500 | 6,916 |
| Average equity | $3,957,500 | 7,473 |
| Average total loans | $24,203,500 | 7,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9709% | 1,204 |
| Cost of funding earning assets | 2.0695% | 6,165 |
| Net interest margin | 4.9015% | 632 |
| Noninterest income to average assets | 1.5540% | 582 |
| Noninterest expense to average assets | 4.4825% | 887 |
| Loan and lease loss provision to assets | 0.3436% | 3,645 |
| Net operating income to assets | 1.0595% | 2,311 |
| Return on assets (ROA) | -1.4127% | 7,374 |
| Pretax return on assets | -1.4127% | 7,219 |
| Return on Equity (ROE) | -16.8029% | 7,660 |
| Retained earnings to average equity (ytd only) | -18.5059% | 7,639 |
| Net charge-offs to loans | 0.7111% | 1,738 |
| Credit loss provision to net charge-offs | 109.0909% | 4,931 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,980 |
| Efficiency ratio | 76.1596% | 3,213 |
| Assets per employee ($millions) | 1.9757% | 7,933 |
| Cash dividends to net income (ytd only)* | -10.1351% | 7,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,020 |
| Loan loss allowance to noncurrent loans | 44.4286% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 3,476 |
| Noncurrent loans to loans | 2.8475% | 1,900 |
| Net loans and leases to total assets | 47.2521% | 7,238 |
| Net loans and leases to deposits | 51.4074% | 7,563 |
| Net loans and leases to core deposits | 60.2702% | 7,575 |
| Total domestic deposits to total assets | 91.9170% | 147 |
| Equity capital to assets | 7.6645% | 7,244 |
| Core capital (leverage) ratio | 6.9362% | 7,735 |
| Tier 1 risk-based capital ratio | 9.9673% | 6,769 |
| Total risk-based capital ratio | 10.8147% | 7,144 |
| Memoranda: | ||
| Average total assets | $52,381,200 | 6,684 |
| Average earning assets | $46,292,200 | 6,755 |
| Average equity | $4,404,000 | 7,359 |
| Average total loans | $23,205,000 | 7,126 |