Home > Franklin State Bank > Performance and Condition Ratios
Franklin State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,781 |
| Cost of funding earning assets | 1.2057% | 2,784 |
| Net interest margin | 2.9047% | 3,482 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.0161% | 3,594 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7215% | 3,129 |
| Return on assets (ROA) | 0.7322% | 3,083 |
| Pretax return on assets | 0.8386% | 3,120 |
| Return on Equity (ROE) | 5.7600% | 3,575 |
| Retained earnings to average equity (ytd only) | 2.8398% | 3,331 |
| Net charge-offs to loans | 0.0363% | 1,580 |
| Credit loss provision to net charge-offs | 233.3333% | 1,120 |
| Earnings coverage of net charge-offs (x) | 39.4444% | 1,456 |
| Efficiency ratio | 69.6581% | 1,921 |
| Assets per employee ($millions) | 6.8157% | 2,198 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,366.6667% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,308 |
| Noncurrent loans to loans | 0.0704% | 3,210 |
| Net loans and leases to total assets | 61.8900% | 2,685 |
| Net loans and leases to deposits | 72.2652% | 2,739 |
| Net loans and leases to core deposits | 75.6434% | 3,000 |
| Total domestic deposits to total assets | 85.6400% | 2,128 |
| Equity capital to assets | 12.9114% | 875 |
| Core capital (leverage) ratio | 13.9584% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $40,425,000 | 4,389 |
| Average earning assets | $37,903,600 | 4,358 |
| Average equity | $5,141,200 | 4,247 |
| Average total loans | $24,820,800 | 4,216 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,756 |
| Cost of funding earning assets | 1.1136% | 2,705 |
| Net interest margin | 2.9369% | 3,461 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.0277% | 3,524 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7199% | 3,259 |
| Return on assets (ROA) | 0.7310% | 3,214 |
| Pretax return on assets | 0.8700% | 3,176 |
| Return on Equity (ROE) | 5.7700% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.7703% | 2,697 |
| Net charge-offs to loans | 0.0433% | 1,269 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 34.3750% | 1,525 |
| Efficiency ratio | 69.0315% | 1,896 |
| Assets per employee ($millions) | 8.0790% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 3,590 |
| Loan loss allowance to noncurrent loans | 1,273.6842% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 3,335 |
| Noncurrent loans to loans | 0.0739% | 3,232 |
| Net loans and leases to total assets | 63.0100% | 2,557 |
| Net loans and leases to deposits | 73.8110% | 2,584 |
| Net loans and leases to core deposits | 77.3765% | 2,775 |
| Total domestic deposits to total assets | 85.3700% | 2,392 |
| Equity capital to assets | 12.8333% | 849 |
| Core capital (leverage) ratio | 13.9647% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $40,307,750 | 4,405 |
| Average earning assets | $37,952,500 | 4,378 |
| Average equity | $5,106,500 | 4,265 |
| Average total loans | $24,637,500 | 4,237 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 3,707 |
| Cost of funding earning assets | 1.0156% | 2,548 |
| Net interest margin | 2.9730% | 3,502 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.9613% | 3,684 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7875% | 3,114 |
| Return on assets (ROA) | 0.7994% | 3,086 |
| Pretax return on assets | 1.0030% | 2,904 |
| Return on Equity (ROE) | 6.3400% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.3378% | 2,501 |
| Net charge-offs to loans | 0.0659% | 894 |
| Credit loss provision to net charge-offs | 75.0000% | 1,572 |
| Earnings coverage of net charge-offs (x) | 25.6250% | 1,623 |
| Efficiency ratio | 65.8333% | 2,262 |
| Assets per employee ($millions) | 6.7218% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,681 |
| Loan loss allowance to noncurrent loans | 2,577.7778% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,591 |
| Noncurrent loans to loans | 0.0362% | 3,476 |
| Net loans and leases to total assets | 61.1100% | 2,657 |
| Net loans and leases to deposits | 71.1654% | 2,703 |
| Net loans and leases to core deposits | 74.5944% | 2,852 |
| Total domestic deposits to total assets | 85.8700% | 2,273 |
| Equity capital to assets | 12.8140% | 859 |
| Core capital (leverage) ratio | 13.7415% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $40,278,667 | 4,428 |
| Average earning assets | $38,008,333 | 4,400 |
| Average equity | $5,080,667 | 4,290 |
| Average total loans | $24,285,000 | 4,256 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,620 |
| Cost of funding earning assets | 0.9394% | 2,247 |
| Net interest margin | 2.9870% | 3,634 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.0769% | 3,435 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5408% | 3,810 |
| Return on assets (ROA) | 0.5565% | 3,749 |
| Pretax return on assets | 0.8944% | 3,252 |
| Return on Equity (ROE) | 4.4500% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.4471% | 3,144 |
| Net charge-offs to loans | 0.0500% | 871 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,302 |
| Efficiency ratio | 69.6667% | 1,780 |
| Assets per employee ($millions) | 6.9633% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,515 |
| Loan loss allowance to noncurrent loans | 2,340.0000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,555 |
| Noncurrent loans to loans | 0.0428% | 3,433 |
| Net loans and leases to total assets | 55.4000% | 3,079 |
| Net loans and leases to deposits | 64.0314% | 3,081 |
| Net loans and leases to core deposits | 67.6032% | 3,125 |
| Total domestic deposits to total assets | 86.5300% | 2,433 |
| Equity capital to assets | 12.2044% | 940 |
| Core capital (leverage) ratio | 13.2166% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $40,252,500 | 4,493 |
| Average earning assets | $37,897,000 | 4,466 |
| Average equity | $5,037,000 | 4,349 |
| Average total loans | $23,988,500 | 4,327 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 3,462 |
| Cost of funding earning assets | 0.3589% | 2,409 |
| Net interest margin | 2.9960% | 3,462 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.0727% | 3,377 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5972% | 3,890 |
| Return on assets (ROA) | 0.5911% | 3,866 |
| Pretax return on assets | 0.9135% | 3,318 |
| Return on Equity (ROE) | 4.5300% | 4,085 |
| Retained earnings to average equity (ytd only) | 1.5884% | 4,078 |
| Net charge-offs to loans | 0.0609% | 1,040 |
| Credit loss provision to net charge-offs | 85.7143% | 1,653 |
| Earnings coverage of net charge-offs (x) | 26.5714% | 1,752 |
| Efficiency ratio | 68.5279% | 1,896 |
| Assets per employee ($millions) | 6.4542% | 2,376 |
| Cash dividends to net income (ytd only)* | 64.9351% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 3,728 |
| Loan loss allowance to noncurrent loans | 1,723.0769% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,468 |
| Noncurrent loans to loans | 0.0529% | 3,377 |
| Net loans and leases to total assets | 62.9300% | 2,338 |
| Net loans and leases to deposits | 73.6328% | 2,282 |
| Net loans and leases to core deposits | 76.0121% | 2,420 |
| Total domestic deposits to total assets | 85.4700% | 2,866 |
| Equity capital to assets | 12.8470% | 729 |
| Core capital (leverage) ratio | 14.1431% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,079,800 | 4,538 |
| Average earning assets | $36,782,000 | 4,510 |
| Average equity | $5,099,600 | 4,418 |
| Average total loans | $23,003,000 | 4,358 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 3,303 |
| Cost of funding earning assets | 0.3177% | 1,987 |
| Net interest margin | 2.9347% | 3,403 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0050% | 3,475 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6344% | 3,737 |
| Return on assets (ROA) | 0.6263% | 3,714 |
| Pretax return on assets | 0.9395% | 3,207 |
| Return on Equity (ROE) | 4.7800% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.7815% | 3,168 |
| Net charge-offs to loans | 0.0826% | 724 |
| Credit loss provision to net charge-offs | 64.2857% | 1,476 |
| Earnings coverage of net charge-offs (x) | 20.5714% | 1,702 |
| Efficiency ratio | 67.1608% | 2,137 |
| Assets per employee ($millions) | 6.4885% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 3,817 |
| Loan loss allowance to noncurrent loans | 2,009.0909% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,651 |
| Noncurrent loans to loans | 0.0454% | 3,562 |
| Net loans and leases to total assets | 61.6500% | 2,335 |
| Net loans and leases to deposits | 72.4165% | 2,170 |
| Net loans and leases to core deposits | 75.6628% | 2,224 |
| Total domestic deposits to total assets | 85.1300% | 3,253 |
| Equity capital to assets | 12.7970% | 714 |
| Core capital (leverage) ratio | 14.0877% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,168,500 | 4,571 |
| Average earning assets | $36,936,500 | 4,540 |
| Average equity | $5,130,750 | 4,454 |
| Average total loans | $22,605,000 | 4,400 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 3,315 |
| Cost of funding earning assets | 0.2804% | 1,899 |
| Net interest margin | 2.8148% | 3,406 |
| Noninterest income to average assets | 0.1885% | 4,064 |
| Noninterest expense to average assets | 1.9721% | 3,506 |
| Loan and lease loss provision to assets | 0.0306% | 2,043 |
| Net operating income to assets | 0.5522% | 3,755 |
| Return on assets (ROA) | 0.5402% | 3,748 |
| Pretax return on assets | 0.8306% | 3,249 |
| Return on Equity (ROE) | 4.0924% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.0924% | 3,049 |
| Net charge-offs to loans | 0.1360% | 476 |
| Credit loss provision to net charge-offs | 40.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 11.4667% | 1,729 |
| Efficiency ratio | 69.2308% | 2,071 |
| Assets per employee ($millions) | 6.6007% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,809 |
| Loan loss allowance to noncurrent loans | 1,808.3333% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,678 |
| Noncurrent loans to loans | 0.0523% | 3,557 |
| Net loans and leases to total assets | 57.3477% | 2,594 |
| Net loans and leases to deposits | 66.7607% | 2,486 |
| Net loans and leases to core deposits | 68.0224% | 2,652 |
| Total domestic deposits to total assets | 85.9004% | 3,275 |
| Equity capital to assets | 12.8093% | 699 |
| Core capital (leverage) ratio | 14.0355% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,247,667 | 4,615 |
| Average earning assets | $37,090,000 | 4,597 |
| Average equity | $5,180,333 | 4,505 |
| Average total loans | $22,066,000 | 4,462 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9870% | 3,295 |
| Cost of funding earning assets | 0.2706% | 1,924 |
| Net interest margin | 2.7164% | 3,369 |
| Noninterest income to average assets | 0.1945% | 3,995 |
| Noninterest expense to average assets | 1.9862% | 3,462 |
| Loan and lease loss provision to assets | 0.0307% | 1,814 |
| Net operating income to assets | 0.3767% | 4,004 |
| Return on assets (ROA) | 0.3686% | 3,989 |
| Pretax return on assets | 0.7371% | 3,286 |
| Return on Equity (ROE) | 2.7512% | 4,148 |
| Retained earnings to average equity (ytd only) | 2.7512% | 3,348 |
| Net charge-offs to loans | 0.2404% | 258 |
| Credit loss provision to net charge-offs | 23.0769% | 1,282 |
| Earnings coverage of net charge-offs (x) | 5.8462% | 1,588 |
| Efficiency ratio | 71.8519% | 1,995 |
| Assets per employee ($millions) | 6.7102% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,662 |
| Loan loss allowance to noncurrent loans | 1,343.7500% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,636 |
| Noncurrent loans to loans | 0.0754% | 3,466 |
| Net loans and leases to total assets | 52.1448% | 2,977 |
| Net loans and leases to deposits | 60.6991% | 2,835 |
| Net loans and leases to core deposits | 61.8398% | 2,983 |
| Total domestic deposits to total assets | 85.9070% | 3,292 |
| Equity capital to assets | 12.6972% | 761 |
| Core capital (leverage) ratio | 13.5490% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,069,500 | 4,642 |
| Average earning assets | $36,960,500 | 4,625 |
| Average equity | $5,234,000 | 4,545 |
| Average total loans | $21,634,500 | 4,486 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 2,076 |
| Cost of funding earning assets | 0.3330% | 2,089 |
| Net interest margin | 3.3791% | 2,091 |
| Noninterest income to average assets | 0.2278% | 4,017 |
| Noninterest expense to average assets | 2.0011% | 3,670 |
| Loan and lease loss provision to assets | 0.0325% | 2,397 |
| Net operating income to assets | 0.9844% | 2,737 |
| Return on assets (ROA) | 0.9951% | 2,762 |
| Pretax return on assets | 1.3992% | 2,055 |
| Return on Equity (ROE) | 6.8157% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.1014% | 3,589 |
| Net charge-offs to loans | 0.0048% | 2,422 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 523.0000% | 265 |
| Efficiency ratio | 58.5250% | 3,364 |
| Assets per employee ($millions) | 6.3130% | 2,477 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,646 |
| Loan loss allowance to noncurrent loans | 1,738.4615% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,786 |
| Noncurrent loans to loans | 0.0589% | 3,654 |
| Net loans and leases to total assets | 57.6430% | 2,410 |
| Net loans and leases to deposits | 68.3081% | 2,284 |
| Net loans and leases to core deposits | 69.7327% | 2,476 |
| Total domestic deposits to total assets | 84.3867% | 3,449 |
| Equity capital to assets | 14.1401% | 638 |
| Core capital (leverage) ratio | 14.0361% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,879,200 | 4,690 |
| Average earning assets | $34,831,600 | 4,669 |
| Average equity | $5,384,600 | 4,591 |
| Average total loans | $20,786,600 | 4,554 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 1,920 |
| Cost of funding earning assets | 0.3428% | 2,183 |
| Net interest margin | 3.5054% | 1,852 |
| Noninterest income to average assets | 0.2512% | 3,888 |
| Noninterest expense to average assets | 1.9219% | 3,889 |
| Loan and lease loss provision to assets | 0.0328% | 2,342 |
| Net operating income to assets | 1.2006% | 2,168 |
| Return on assets (ROA) | 1.2121% | 2,182 |
| Pretax return on assets | 1.6234% | 1,634 |
| Return on Equity (ROE) | 8.2346% | 3,334 |
| Retained earnings to average equity (ytd only) | 8.2346% | 1,980 |
| Net charge-offs to loans | 0.0065% | 2,078 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 324 |
| Efficiency ratio | 53.9326% | 3,821 |
| Assets per employee ($millions) | 6.3603% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.7429% | 2,874 |
| Net loans and leases to deposits | 65.2334% | 2,705 |
| Net loans and leases to core deposits | 66.5912% | 2,904 |
| Total domestic deposits to total assets | 83.9186% | 3,480 |
| Equity capital to assets | 14.5668% | 628 |
| Core capital (leverage) ratio | 14.8712% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,629,500 | 4,763 |
| Average earning assets | $34,612,750 | 4,743 |
| Average equity | $5,391,750 | 4,658 |
| Average total loans | $20,468,250 | 4,627 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4185% | 3,123 |
| Cost of funding earning assets | 0.3577% | 2,251 |
| Net interest margin | 3.0608% | 3,143 |
| Noninterest income to average assets | 0.2104% | 4,146 |
| Noninterest expense to average assets | 1.8827% | 4,011 |
| Loan and lease loss provision to assets | 0.0332% | 2,316 |
| Net operating income to assets | 0.8772% | 3,283 |
| Return on assets (ROA) | 0.8860% | 3,336 |
| Pretax return on assets | 1.1961% | 2,925 |
| Return on Equity (ROE) | 5.9970% | 3,901 |
| Retained earnings to average equity (ytd only) | 5.9970% | 2,804 |
| Net charge-offs to loans | 0.0099% | 1,776 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 472 |
| Efficiency ratio | 60.7143% | 2,909 |
| Assets per employee ($millions) | 6.0670% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.9584% | 2,786 |
| Net loans and leases to deposits | 68.3839% | 2,576 |
| Net loans and leases to core deposits | 69.8891% | 2,794 |
| Total domestic deposits to total assets | 83.2921% | 3,645 |
| Equity capital to assets | 14.8398% | 557 |
| Core capital (leverage) ratio | 15.1412% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,118,667 | 4,801 |
| Average earning assets | $34,109,000 | 4,777 |
| Average equity | $5,336,000 | 4,692 |
| Average total loans | $20,253,000 | 4,659 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3834% | 3,251 |
| Cost of funding earning assets | 0.4008% | 2,088 |
| Net interest margin | 2.9826% | 3,309 |
| Noninterest income to average assets | 0.2001% | 4,185 |
| Noninterest expense to average assets | 1.8790% | 4,035 |
| Loan and lease loss provision to assets | 0.0334% | 2,333 |
| Net operating income to assets | 0.8497% | 3,270 |
| Return on assets (ROA) | 0.8672% | 3,302 |
| Pretax return on assets | 1.1229% | 3,057 |
| Return on Equity (ROE) | 5.8835% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.8835% | 2,934 |
| Net charge-offs to loans | 0.0201% | 1,338 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 611 |
| Efficiency ratio | 62.3616% | 2,690 |
| Assets per employee ($millions) | 7.2006% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 55.4204% | 3,103 |
| Net loans and leases to deposits | 65.2101% | 3,003 |
| Net loans and leases to core deposits | 65.7538% | 3,264 |
| Total domestic deposits to total assets | 84.9874% | 3,099 |
| Equity capital to assets | 14.7738% | 531 |
| Core capital (leverage) ratio | 14.3692% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,977,000 | 4,821 |
| Average earning assets | $33,930,500 | 4,797 |
| Average equity | $5,303,000 | 4,715 |
| Average total loans | $19,902,500 | 4,695 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 3,436 |
| Cost of funding earning assets | 0.6101% | 2,239 |
| Net interest margin | 3.1418% | 3,515 |
| Noninterest income to average assets | 0.1712% | 4,429 |
| Noninterest expense to average assets | 1.8888% | 4,332 |
| Loan and lease loss provision to assets | 0.1132% | 2,934 |
| Net operating income to assets | 0.8886% | 2,743 |
| Return on assets (ROA) | 0.9023% | 2,822 |
| Pretax return on assets | 1.1895% | 2,364 |
| Return on Equity (ROE) | 6.0745% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.0745% | 1,763 |
| Net charge-offs to loans | -0.0915% | 4,795 |
| Credit loss provision to net charge-offs | -216.6667% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5064% | 3,518 |
| Assets per employee ($millions) | 7.1902% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,489 |
| Loan loss allowance to noncurrent loans | 101.8957% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 1,797 |
| Noncurrent loans to loans | 1.0746% | 1,324 |
| Net loans and leases to total assets | 54.0180% | 3,486 |
| Net loans and leases to deposits | 63.6137% | 3,467 |
| Net loans and leases to core deposits | 64.1475% | 3,680 |
| Total domestic deposits to total assets | 84.9156% | 2,800 |
| Equity capital to assets | 14.7061% | 625 |
| Core capital (leverage) ratio | 14.4510% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4717% | 336 |
| Memoranda: | ||
| Average total assets | $34,467,200 | 4,836 |
| Average earning assets | $32,942,800 | 4,814 |
| Average equity | $5,119,800 | 4,737 |
| Average total loans | $19,667,000 | 4,724 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 3,377 |
| Cost of funding earning assets | 0.6492% | 2,327 |
| Net interest margin | 3.2132% | 3,455 |
| Noninterest income to average assets | 0.1564% | 4,509 |
| Noninterest expense to average assets | 1.8965% | 4,333 |
| Loan and lease loss provision to assets | 0.1525% | 2,486 |
| Net operating income to assets | 0.9887% | 2,377 |
| Return on assets (ROA) | 1.0050% | 2,449 |
| Pretax return on assets | 1.2044% | 2,373 |
| Return on Equity (ROE) | 6.7479% | 3,292 |
| Retained earnings to average equity (ytd only) | 6.7479% | 1,794 |
| Net charge-offs to loans | -0.1220% | 4,852 |
| Credit loss provision to net charge-offs | -216.6667% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6457% | 3,578 |
| Assets per employee ($millions) | 7.1658% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,331 |
| Loan loss allowance to noncurrent loans | 96.8468% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 1,877 |
| Noncurrent loans to loans | 1.1104% | 1,358 |
| Net loans and leases to total assets | 55.2011% | 3,691 |
| Net loans and leases to deposits | 64.8480% | 3,719 |
| Net loans and leases to core deposits | 65.3926% | 3,929 |
| Total domestic deposits to total assets | 85.1238% | 2,384 |
| Equity capital to assets | 14.5943% | 709 |
| Core capital (leverage) ratio | 14.6084% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5096% | 381 |
| Memoranda: | ||
| Average total assets | $34,096,250 | 4,864 |
| Average earning assets | $32,656,000 | 4,841 |
| Average equity | $5,078,000 | 4,766 |
| Average total loans | $19,675,000 | 4,755 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 3,448 |
| Cost of funding earning assets | 0.7142% | 2,310 |
| Net interest margin | 3.2417% | 3,551 |
| Noninterest income to average assets | 0.1432% | 4,591 |
| Noninterest expense to average assets | 1.8915% | 4,431 |
| Loan and lease loss provision to assets | 0.2327% | 1,810 |
| Net operating income to assets | 0.8178% | 2,978 |
| Return on assets (ROA) | 0.8413% | 3,005 |
| Pretax return on assets | 1.1635% | 2,479 |
| Return on Equity (ROE) | 5.6090% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.6090% | 2,231 |
| Net charge-offs to loans | -0.1840% | 4,931 |
| Credit loss provision to net charge-offs | -216.6667% | 3,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0586% | 3,677 |
| Assets per employee ($millions) | 6.9164% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,124 |
| Loan loss allowance to noncurrent loans | 96.4126% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 1,890 |
| Noncurrent loans to loans | 1.1300% | 1,391 |
| Net loans and leases to total assets | 56.4455% | 3,649 |
| Net loans and leases to deposits | 66.6257% | 3,668 |
| Net loans and leases to core deposits | 69.1145% | 3,773 |
| Total domestic deposits to total assets | 84.7204% | 2,498 |
| Equity capital to assets | 14.7938% | 669 |
| Core capital (leverage) ratio | 14.9314% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9124% | 368 |
| Memoranda: | ||
| Average total assets | $33,518,667 | 4,898 |
| Average earning assets | $32,205,333 | 4,872 |
| Average equity | $5,027,667 | 4,797 |
| Average total loans | $19,569,000 | 4,782 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,767 |
| Cost of funding earning assets | 0.7811% | 2,496 |
| Net interest margin | 3.2253% | 3,796 |
| Noninterest income to average assets | 0.1698% | 4,515 |
| Noninterest expense to average assets | 1.9887% | 4,414 |
| Loan and lease loss provision to assets | 0.0364% | 3,317 |
| Net operating income to assets | 0.9337% | 2,407 |
| Return on assets (ROA) | 0.9337% | 2,515 |
| Pretax return on assets | 1.2490% | 2,039 |
| Return on Equity (ROE) | 6.1804% | 3,246 |
| Retained earnings to average equity (ytd only) | 6.1804% | 1,807 |
| Net charge-offs to loans | -0.3490% | 4,994 |
| Credit loss provision to net charge-offs | -17.6471% | 3,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7407% | 3,649 |
| Assets per employee ($millions) | 6.5484% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 4,103 |
| Loan loss allowance to noncurrent loans | 78.7611% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 1,933 |
| Noncurrent loans to loans | 1.1433% | 1,455 |
| Net loans and leases to total assets | 59.8284% | 3,514 |
| Net loans and leases to deposits | 71.0931% | 3,508 |
| Net loans and leases to core deposits | 74.6162% | 3,599 |
| Total domestic deposits to total assets | 84.1549% | 2,734 |
| Equity capital to assets | 15.4145% | 696 |
| Core capital (leverage) ratio | 15.2133% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6829% | 366 |
| Memoranda: | ||
| Average total assets | $32,987,000 | 4,942 |
| Average earning assets | $31,748,500 | 4,909 |
| Average equity | $4,983,500 | 4,837 |
| Average total loans | $19,486,000 | 4,814 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 4,115 |
| Cost of funding earning assets | 0.8543% | 2,404 |
| Net interest margin | 3.2120% | 4,160 |
| Noninterest income to average assets | 0.2134% | 4,389 |
| Noninterest expense to average assets | 2.2326% | 4,099 |
| Loan and lease loss provision to assets | 0.0382% | 3,249 |
| Net operating income to assets | 0.6625% | 3,981 |
| Return on assets (ROA) | 0.6625% | 4,053 |
| Pretax return on assets | 1.0319% | 3,380 |
| Return on Equity (ROE) | 4.3254% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.3254% | 2,800 |
| Net charge-offs to loans | 0.1141% | 1,596 |
| Credit loss provision to net charge-offs | 54.5455% | 3,087 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 2,240 |
| Efficiency ratio | 67.5988% | 2,517 |
| Assets per employee ($millions) | 5.5387% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,239 |
| Loan loss allowance to noncurrent loans | 39.0123% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 957 |
| Noncurrent loans to loans | 2.1088% | 596 |
| Net loans and leases to total assets | 57.3152% | 3,825 |
| Net loans and leases to deposits | 67.5833% | 3,857 |
| Net loans and leases to core deposits | 70.1780% | 3,954 |
| Total domestic deposits to total assets | 84.8068% | 2,570 |
| Equity capital to assets | 14.8050% | 844 |
| Core capital (leverage) ratio | 14.8741% | 713 |
| Tier 1 risk-based capital ratio | 26.1145% | 667 |
| Total risk-based capital ratio | 26.9571% | 682 |
| Memoranda: | ||
| Average total assets | $31,398,400 | 5,010 |
| Average earning assets | $30,199,600 | 4,984 |
| Average equity | $4,808,800 | 4,905 |
| Average total loans | $19,277,400 | 4,879 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 4,141 |
| Cost of funding earning assets | 0.8517% | 2,460 |
| Net interest margin | 3.2542% | 4,173 |
| Noninterest income to average assets | 0.2198% | 4,414 |
| Noninterest expense to average assets | 2.2409% | 4,091 |
| Loan and lease loss provision to assets | 0.0388% | 3,127 |
| Net operating income to assets | 0.6809% | 4,073 |
| Return on assets (ROA) | 0.6809% | 4,135 |
| Pretax return on assets | 1.0687% | 3,381 |
| Return on Equity (ROE) | 4.4062% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.4062% | 3,192 |
| Net charge-offs to loans | 0.1451% | 1,116 |
| Credit loss provision to net charge-offs | 42.8571% | 2,835 |
| Earnings coverage of net charge-offs (x) | 12.2379% | 2,372 |
| Efficiency ratio | 66.9241% | 2,601 |
| Assets per employee ($millions) | 5.3617% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 4,388 |
| Loan loss allowance to noncurrent loans | 40.1028% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 1,045 |
| Noncurrent loans to loans | 2.0129% | 672 |
| Net loans and leases to total assets | 59.5866% | 3,713 |
| Net loans and leases to deposits | 70.5209% | 3,734 |
| Net loans and leases to core deposits | 73.3180% | 3,870 |
| Total domestic deposits to total assets | 84.4949% | 2,632 |
| Equity capital to assets | 15.1352% | 814 |
| Core capital (leverage) ratio | 15.5852% | 627 |
| Tier 1 risk-based capital ratio | 26.0353% | 704 |
| Total risk-based capital ratio | 26.8733% | 715 |
| Memoranda: | ||
| Average total assets | $30,940,000 | 5,091 |
| Average earning assets | $29,745,750 | 5,065 |
| Average equity | $4,781,000 | 4,975 |
| Average total loans | $19,295,500 | 4,951 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 4,186 |
| Cost of funding earning assets | 0.8249% | 2,523 |
| Net interest margin | 3.2654% | 4,210 |
| Noninterest income to average assets | 0.2162% | 4,450 |
| Noninterest expense to average assets | 2.2077% | 4,209 |
| Loan and lease loss provision to assets | 0.0393% | 3,032 |
| Net operating income to assets | 0.6944% | 4,021 |
| Return on assets (ROA) | 0.6944% | 4,081 |
| Pretax return on assets | 1.1071% | 3,212 |
| Return on Equity (ROE) | 4.4616% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.4616% | 3,036 |
| Net charge-offs to loans | 0.2281% | 739 |
| Credit loss provision to net charge-offs | 27.2727% | 2,614 |
| Earnings coverage of net charge-offs (x) | 7.9545% | 2,448 |
| Efficiency ratio | 65.8203% | 2,831 |
| Assets per employee ($millions) | 5.0980% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 4,542 |
| Loan loss allowance to noncurrent loans | 34.7826% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 806 |
| Noncurrent loans to loans | 2.2142% | 607 |
| Net loans and leases to total assets | 64.0251% | 3,339 |
| Net loans and leases to deposits | 76.3777% | 3,300 |
| Net loans and leases to core deposits | 79.5806% | 3,455 |
| Total domestic deposits to total assets | 83.8270% | 2,941 |
| Equity capital to assets | 15.7415% | 667 |
| Core capital (leverage) ratio | 15.6604% | 596 |
| Tier 1 risk-based capital ratio | 24.9441% | 760 |
| Total risk-based capital ratio | 25.7346% | 790 |
| Memoranda: | ||
| Average total assets | $30,530,000 | 5,138 |
| Average earning assets | $29,338,330 | 5,110 |
| Average equity | $4,751,670 | 5,010 |
| Average total loans | $19,285,670 | 4,991 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 4,171 |
| Cost of funding earning assets | 0.7509% | 2,787 |
| Net interest margin | 3.3311% | 4,089 |
| Noninterest income to average assets | 0.2361% | 4,323 |
| Noninterest expense to average assets | 2.1770% | 4,321 |
| Loan and lease loss provision to assets | 0.0393% | 2,840 |
| Net operating income to assets | 0.9049% | 3,214 |
| Return on assets (ROA) | 0.9049% | 3,264 |
| Pretax return on assets | 1.2196% | 2,734 |
| Return on Equity (ROE) | 5.8475% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.8475% | 2,524 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3588% | 3,337 |
| Assets per employee ($millions) | 6.0706% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,238 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,698 |
| Noncurrent loans to loans | 0.0464% | 4,553 |
| Net loans and leases to total assets | 63.3381% | 3,369 |
| Net loans and leases to deposits | 75.4721% | 3,306 |
| Net loans and leases to core deposits | 77.0202% | 3,596 |
| Total domestic deposits to total assets | 83.9225% | 3,072 |
| Equity capital to assets | 15.6920% | 621 |
| Core capital (leverage) ratio | 15.8854% | 548 |
| Tier 1 risk-based capital ratio | 25.2830% | 740 |
| Total risk-based capital ratio | 26.1916% | 750 |
| Memoranda: | ||
| Average total assets | $30,501,000 | 5,194 |
| Average earning assets | $29,299,500 | 5,164 |
| Average equity | $4,720,000 | 5,058 |
| Average total loans | $19,060,500 | 5,055 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 4,247 |
| Cost of funding earning assets | 0.6259% | 2,548 |
| Net interest margin | 3.2868% | 4,285 |
| Noninterest income to average assets | 0.2070% | 4,682 |
| Noninterest expense to average assets | 2.0971% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0051% | 2,985 |
| Return on assets (ROA) | 1.0051% | 2,972 |
| Pretax return on assets | 1.2489% | 2,699 |
| Return on Equity (ROE) | 6.6534% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.6534% | 1,840 |
| Net charge-offs to loans | 0.0111% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 475 |
| Efficiency ratio | 62.6747% | 3,409 |
| Assets per employee ($millions) | 6.1298% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,179 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,717 |
| Noncurrent loans to loans | 0.0481% | 4,525 |
| Net loans and leases to total assets | 60.5468% | 3,709 |
| Net loans and leases to deposits | 71.6957% | 3,698 |
| Net loans and leases to core deposits | 73.1339% | 3,917 |
| Total domestic deposits to total assets | 84.4497% | 2,851 |
| Equity capital to assets | 15.2599% | 657 |
| Core capital (leverage) ratio | 15.7043% | 569 |
| Tier 1 risk-based capital ratio | 25.9635% | 667 |
| Total risk-based capital ratio | 26.8937% | 680 |
| Memoranda: | ||
| Average total assets | $29,946,000 | 5,243 |
| Average earning assets | $28,599,400 | 5,212 |
| Average equity | $4,524,000 | 5,107 |
| Average total loans | $18,058,600 | 5,120 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 4,278 |
| Cost of funding earning assets | 0.5873% | 2,567 |
| Net interest margin | 3.2840% | 4,329 |
| Noninterest income to average assets | 0.2015% | 4,763 |
| Noninterest expense to average assets | 2.0602% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0480% | 2,873 |
| Return on assets (ROA) | 1.0480% | 2,884 |
| Pretax return on assets | 1.2719% | 2,718 |
| Return on Equity (ROE) | 6.9551% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.9551% | 2,146 |
| Net charge-offs to loans | 0.0149% | 2,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 141.8202% | 573 |
| Efficiency ratio | 61.8280% | 3,540 |
| Assets per employee ($millions) | 6.0604% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,276 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 4,815 |
| Noncurrent loans to loans | 0.0534% | 4,654 |
| Net loans and leases to total assets | 61.2138% | 3,728 |
| Net loans and leases to deposits | 72.3779% | 3,744 |
| Net loans and leases to core deposits | 73.8386% | 3,956 |
| Total domestic deposits to total assets | 84.5753% | 2,772 |
| Equity capital to assets | 15.1805% | 682 |
| Core capital (leverage) ratio | 15.3019% | 633 |
| Tier 1 risk-based capital ratio | 25.0298% | 753 |
| Total risk-based capital ratio | 25.9394% | 758 |
| Memoranda: | ||
| Average total assets | $29,770,250 | 5,309 |
| Average earning assets | $28,379,000 | 5,282 |
| Average equity | $4,485,750 | 5,176 |
| Average total loans | $17,892,000 | 5,183 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,382 |
| Cost of funding earning assets | 0.5538% | 2,582 |
| Net interest margin | 3.2305% | 4,435 |
| Noninterest income to average assets | 0.2095% | 4,757 |
| Noninterest expense to average assets | 2.0748% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0340% | 2,877 |
| Return on assets (ROA) | 1.0340% | 2,875 |
| Pretax return on assets | 1.2097% | 2,908 |
| Return on Equity (ROE) | 6.8800% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.8800% | 2,125 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1687% | 3,440 |
| Assets per employee ($millions) | 6.0470% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,032 |
| Loan loss allowance to noncurrent loans | 1,545.4545% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,844 |
| Noncurrent loans to loans | 0.0625% | 4,641 |
| Net loans and leases to total assets | 57.6550% | 4,024 |
| Net loans and leases to deposits | 68.0512% | 4,014 |
| Net loans and leases to core deposits | 69.4198% | 4,178 |
| Total domestic deposits to total assets | 84.7230% | 2,786 |
| Equity capital to assets | 14.9694% | 692 |
| Core capital (leverage) ratio | 15.5521% | 562 |
| Tier 1 risk-based capital ratio | 26.4085% | 643 |
| Total risk-based capital ratio | 27.3969% | 647 |
| Memoranda: | ||
| Average total assets | $29,593,000 | 5,380 |
| Average earning assets | $28,168,670 | 5,352 |
| Average equity | $4,447,670 | 5,240 |
| Average total loans | $17,617,000 | 5,250 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 4,393 |
| Cost of funding earning assets | 0.5317% | 2,531 |
| Net interest margin | 3.2043% | 4,442 |
| Noninterest income to average assets | 0.2050% | 4,801 |
| Noninterest expense to average assets | 2.0907% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8062% | 3,679 |
| Return on assets (ROA) | 0.8062% | 3,691 |
| Pretax return on assets | 1.1615% | 2,927 |
| Return on Equity (ROE) | 5.3533% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3533% | 3,013 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 3,434 |
| Assets per employee ($millions) | 5.9020% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 4,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.4615% | 3,896 |
| Net loans and leases to deposits | 69.1186% | 3,863 |
| Net loans and leases to core deposits | 69.1186% | 4,138 |
| Total domestic deposits to total assets | 84.5815% | 3,082 |
| Equity capital to assets | 15.0220% | 669 |
| Core capital (leverage) ratio | 15.5256% | 551 |
| Tier 1 risk-based capital ratio | 26.5715% | 637 |
| Total risk-based capital ratio | 27.5872% | 648 |
| Memoranda: | ||
| Average total assets | $29,272,000 | 5,445 |
| Average earning assets | $27,837,500 | 5,417 |
| Average equity | $4,408,500 | 5,300 |
| Average total loans | $17,624,500 | 5,307 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,105 |
| Cost of funding earning assets | 0.4881% | 2,439 |
| Net interest margin | 3.2928% | 4,184 |
| Noninterest income to average assets | 0.2041% | 4,923 |
| Noninterest expense to average assets | 2.2484% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5396% | 4,262 |
| Return on assets (ROA) | 0.5396% | 4,296 |
| Pretax return on assets | 1.0827% | 3,257 |
| Return on Equity (ROE) | 3.6262% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.6262% | 3,085 |
| Net charge-offs to loans | -0.0055% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4974% | 2,999 |
| Assets per employee ($millions) | 5.8068% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 4,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.8149% | 3,755 |
| Net loans and leases to deposits | 71.9197% | 3,709 |
| Net loans and leases to core deposits | 71.9197% | 4,051 |
| Total domestic deposits to total assets | 84.5595% | 3,015 |
| Equity capital to assets | 15.0995% | 659 |
| Core capital (leverage) ratio | 15.3749% | 561 |
| Tier 1 risk-based capital ratio | 25.5681% | 688 |
| Total risk-based capital ratio | 26.5587% | 692 |
| Memoranda: | ||
| Average total assets | $28,910,000 | 5,505 |
| Average earning assets | $27,453,600 | 5,478 |
| Average equity | $4,302,000 | 5,375 |
| Average total loans | $18,216,000 | 5,352 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,168 |
| Cost of funding earning assets | 0.4807% | 2,428 |
| Net interest margin | 3.2727% | 4,254 |
| Noninterest income to average assets | 0.2124% | 4,946 |
| Noninterest expense to average assets | 2.2392% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5125% | 4,698 |
| Return on assets (ROA) | 0.5125% | 4,727 |
| Pretax return on assets | 1.0850% | 3,360 |
| Return on Equity (ROE) | 3.4567% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.4567% | 3,871 |
| Net charge-offs to loans | -0.0073% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3611% | 2,987 |
| Assets per employee ($millions) | 5.6524% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.8928% | 3,265 |
| Net loans and leases to deposits | 77.0459% | 3,266 |
| Net loans and leases to core deposits | 77.0459% | 3,724 |
| Total domestic deposits to total assets | 84.2262% | 3,030 |
| Equity capital to assets | 15.3952% | 651 |
| Core capital (leverage) ratio | 15.1941% | 623 |
| Tier 1 risk-based capital ratio | 24.1387% | 835 |
| Total risk-based capital ratio | 25.0834% | 848 |
| Memoranda: | ||
| Average total assets | $28,879,000 | 5,564 |
| Average earning assets | $27,459,000 | 5,535 |
| Average equity | $4,281,500 | 5,437 |
| Average total loans | $18,313,250 | 5,405 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,277 |
| Cost of funding earning assets | 0.4638% | 2,465 |
| Net interest margin | 3.2179% | 4,358 |
| Noninterest income to average assets | 0.2063% | 5,015 |
| Noninterest expense to average assets | 2.2830% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3507% | 5,095 |
| Return on assets (ROA) | 0.3507% | 5,117 |
| Pretax return on assets | 0.9765% | 3,652 |
| Return on Equity (ROE) | 2.3953% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.3953% | 4,247 |
| Net charge-offs to loans | -0.0110% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0422% | 2,663 |
| Assets per employee ($millions) | 5.7898% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.4253% | 3,464 |
| Net loans and leases to deposits | 74.8268% | 3,465 |
| Net loans and leases to core deposits | 74.8268% | 3,874 |
| Total domestic deposits to total assets | 84.7629% | 2,902 |
| Equity capital to assets | 14.8192% | 735 |
| Core capital (leverage) ratio | 15.0369% | 619 |
| Tier 1 risk-based capital ratio | 23.8159% | 872 |
| Total risk-based capital ratio | 24.7610% | 884 |
| Memoranda: | ||
| Average total assets | $29,084,670 | 5,608 |
| Average earning assets | $27,595,670 | 5,581 |
| Average equity | $4,258,330 | 5,482 |
| Average total loans | $18,247,670 | 5,454 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,326 |
| Cost of funding earning assets | 0.4504% | 2,522 |
| Net interest margin | 3.1816% | 4,401 |
| Noninterest income to average assets | 0.1784% | 5,204 |
| Noninterest expense to average assets | 2.0444% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3567% | 5,056 |
| Return on assets (ROA) | 0.3567% | 5,077 |
| Pretax return on assets | 1.1388% | 2,828 |
| Return on Equity (ROE) | 2.4514% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.4514% | 4,164 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2241% | 3,797 |
| Assets per employee ($millions) | 5.8240% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.1573% | 3,638 |
| Net loans and leases to deposits | 71.9207% | 3,615 |
| Net loans and leases to core deposits | 71.9207% | 3,991 |
| Total domestic deposits to total assets | 85.0343% | 3,072 |
| Equity capital to assets | 14.6223% | 725 |
| Core capital (leverage) ratio | 14.6847% | 671 |
| Tier 1 risk-based capital ratio | 23.6453% | 902 |
| Total risk-based capital ratio | 24.5836% | 923 |
| Memoranda: | ||
| Average total assets | $29,152,500 | 5,674 |
| Average earning assets | $27,533,000 | 5,647 |
| Average equity | $4,242,500 | 5,536 |
| Average total loans | $18,106,000 | 5,518 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 4,219 |
| Cost of funding earning assets | 0.4317% | 2,691 |
| Net interest margin | 3.2650% | 4,247 |
| Noninterest income to average assets | 0.1848% | 5,293 |
| Noninterest expense to average assets | 2.0361% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7391% | 3,595 |
| Return on assets (ROA) | 0.7391% | 3,708 |
| Pretax return on assets | 1.2285% | 2,558 |
| Return on Equity (ROE) | 5.2381% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.2381% | 2,175 |
| Net charge-offs to loans | -0.0055% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3690% | 4,191 |
| Assets per employee ($millions) | 5.8370% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.8982% | 3,622 |
| Net loans and leases to deposits | 72.6640% | 3,644 |
| Net loans and leases to core deposits | 73.5516% | 3,958 |
| Total domestic deposits to total assets | 85.1842% | 2,963 |
| Equity capital to assets | 14.4835% | 736 |
| Core capital (leverage) ratio | 14.7713% | 639 |
| Tier 1 risk-based capital ratio | 22.9083% | 971 |
| Total risk-based capital ratio | 23.8229% | 991 |
| Memoranda: | ||
| Average total assets | $29,223,000 | 5,721 |
| Average earning assets | $27,565,400 | 5,698 |
| Average equity | $4,123,600 | 5,625 |
| Average total loans | $18,067,200 | 5,575 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 4,307 |
| Cost of funding earning assets | 0.4247% | 2,782 |
| Net interest margin | 3.2580% | 4,324 |
| Noninterest income to average assets | 0.1779% | 5,388 |
| Noninterest expense to average assets | 2.0342% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7024% | 3,837 |
| Return on assets (ROA) | 0.7024% | 3,965 |
| Pretax return on assets | 1.2224% | 2,741 |
| Return on Equity (ROE) | 5.0108% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.0108% | 2,817 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4650% | 4,145 |
| Assets per employee ($millions) | 5.7636% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 63.7484% | 3,435 |
| Net loans and leases to deposits | 74.9225% | 3,508 |
| Net loans and leases to core deposits | 75.8505% | 3,856 |
| Total domestic deposits to total assets | 85.0857% | 2,769 |
| Equity capital to assets | 14.5291% | 865 |
| Core capital (leverage) ratio | 14.4207% | 742 |
| Tier 1 risk-based capital ratio | 22.1167% | 1,124 |
| Total risk-based capital ratio | 23.0083% | 1,146 |
| Memoranda: | ||
| Average total assets | $29,232,500 | 5,781 |
| Average earning assets | $27,623,750 | 5,757 |
| Average equity | $4,097,750 | 5,686 |
| Average total loans | $18,025,500 | 5,631 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6443% | 4,464 |
| Cost of funding earning assets | 0.4258% | 2,772 |
| Net interest margin | 3.2186% | 4,490 |
| Noninterest income to average assets | 0.1770% | 5,436 |
| Noninterest expense to average assets | 2.0020% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6401% | 4,094 |
| Return on assets (ROA) | 0.6401% | 4,236 |
| Pretax return on assets | 1.2121% | 2,740 |
| Return on Equity (ROE) | 4.6214% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.6214% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2881% | 4,300 |
| Assets per employee ($millions) | 5.7850% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 4,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 62.7243% | 3,541 |
| Net loans and leases to deposits | 75.3791% | 3,447 |
| Net loans and leases to core deposits | 75.3791% | 3,878 |
| Total domestic deposits to total assets | 83.2118% | 3,568 |
| Equity capital to assets | 14.2887% | 933 |
| Core capital (leverage) ratio | 14.1851% | 778 |
| Tier 1 risk-based capital ratio | 22.0352% | 1,133 |
| Total risk-based capital ratio | 22.9359% | 1,157 |
| Memoranda: | ||
| Average total assets | $29,370,670 | 5,854 |
| Average earning assets | $27,714,330 | 5,824 |
| Average equity | $4,068,000 | 5,753 |
| Average total loans | $17,854,330 | 5,703 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,762 |
| Cost of funding earning assets | 0.4312% | 2,761 |
| Net interest margin | 3.1193% | 4,811 |
| Noninterest income to average assets | 0.1757% | 5,442 |
| Noninterest expense to average assets | 2.0140% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3514% | 5,144 |
| Return on assets (ROA) | 0.3514% | 5,229 |
| Pretax return on assets | 1.0948% | 3,111 |
| Return on Equity (ROE) | 2.5771% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.5771% | 4,213 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7826% | 4,007 |
| Assets per employee ($millions) | 5.9418% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.7125% | 3,816 |
| Net loans and leases to deposits | 69.4379% | 3,903 |
| Net loans and leases to core deposits | 71.1079% | 4,149 |
| Total domestic deposits to total assets | 85.9941% | 2,671 |
| Equity capital to assets | 13.6457% | 1,118 |
| Core capital (leverage) ratio | 13.7265% | 897 |
| Tier 1 risk-based capital ratio | 22.8070% | 1,035 |
| Total risk-based capital ratio | 23.7547% | 1,062 |
| Memoranda: | ||
| Average total assets | $29,593,500 | 5,911 |
| Average earning assets | $27,827,000 | 5,883 |
| Average equity | $4,035,500 | 5,808 |
| Average total loans | $17,626,000 | 5,764 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,585 |
| Cost of funding earning assets | 0.3793% | 3,379 |
| Net interest margin | 3.2522% | 4,469 |
| Noninterest income to average assets | 0.2122% | 5,319 |
| Noninterest expense to average assets | 2.0793% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9760% | 2,486 |
| Return on assets (ROA) | 0.9760% | 2,563 |
| Pretax return on assets | 1.1952% | 2,673 |
| Return on Equity (ROE) | 7.0846% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.0846% | 1,244 |
| Net charge-offs to loans | 0.0057% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 206 |
| Efficiency ratio | 63.4989% | 4,369 |
| Assets per employee ($millions) | 5.8956% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.2672% | 4,045 |
| Net loans and leases to deposits | 67.7180% | 4,152 |
| Net loans and leases to core deposits | 71.5249% | 4,172 |
| Total domestic deposits to total assets | 86.0438% | 2,620 |
| Equity capital to assets | 13.6271% | 1,074 |
| Core capital (leverage) ratio | 13.7751% | 888 |
| Tier 1 risk-based capital ratio | 23.1323% | 1,002 |
| Total risk-based capital ratio | 24.1000% | 1,018 |
| Memoranda: | ||
| Average total assets | $28,279,200 | 5,987 |
| Average earning assets | $26,627,800 | 5,958 |
| Average equity | $3,895,800 | 5,867 |
| Average total loans | $17,486,800 | 5,811 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 4,656 |
| Cost of funding earning assets | 0.3730% | 3,509 |
| Net interest margin | 3.2515% | 4,520 |
| Noninterest income to average assets | 0.2240% | 5,313 |
| Noninterest expense to average assets | 2.0920% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0245% | 2,356 |
| Return on assets (ROA) | 1.0245% | 2,444 |
| Pretax return on assets | 1.2056% | 2,799 |
| Return on Equity (ROE) | 7.4159% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.4159% | 1,494 |
| Net charge-offs to loans | 0.0076% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 253.6241% | 274 |
| Efficiency ratio | 63.4393% | 4,344 |
| Assets per employee ($millions) | 5.7900% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 4,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.7047% | 3,774 |
| Net loans and leases to deposits | 70.6209% | 3,914 |
| Net loans and leases to core deposits | 75.1507% | 3,894 |
| Total domestic deposits to total assets | 85.9585% | 2,543 |
| Equity capital to assets | 13.6995% | 1,143 |
| Core capital (leverage) ratio | 13.9976% | 866 |
| Tier 1 risk-based capital ratio | 22.1861% | 1,167 |
| Total risk-based capital ratio | 23.1283% | 1,192 |
| Memoranda: | ||
| Average total assets | $27,979,500 | 6,072 |
| Average earning assets | $26,449,000 | 6,043 |
| Average equity | $3,865,500 | 5,955 |
| Average total loans | $17,522,500 | 5,880 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 4,674 |
| Cost of funding earning assets | 0.3594% | 3,711 |
| Net interest margin | 3.2573% | 4,468 |
| Noninterest income to average assets | 0.2531% | 5,138 |
| Noninterest expense to average assets | 2.1189% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1137% | 1,895 |
| Return on assets (ROA) | 1.1137% | 1,982 |
| Pretax return on assets | 1.2149% | 2,715 |
| Return on Equity (ROE) | 8.0376% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.0376% | 1,249 |
| Net charge-offs to loans | 0.0115% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 392 |
| Efficiency ratio | 63.5575% | 4,419 |
| Assets per employee ($millions) | 5.5528% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 5,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 62.2965% | 3,513 |
| Net loans and leases to deposits | 72.7303% | 3,646 |
| Net loans and leases to core deposits | 77.6267% | 3,615 |
| Total domestic deposits to total assets | 85.6541% | 2,853 |
| Equity capital to assets | 14.0362% | 970 |
| Core capital (leverage) ratio | 14.1318% | 806 |
| Tier 1 risk-based capital ratio | 22.0893% | 1,194 |
| Total risk-based capital ratio | 23.0420% | 1,221 |
| Memoranda: | ||
| Average total assets | $27,656,000 | 6,149 |
| Average earning assets | $26,156,330 | 6,111 |
| Average equity | $3,832,000 | 6,020 |
| Average total loans | $17,449,330 | 5,944 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,717 |
| Cost of funding earning assets | 0.3530% | 3,824 |
| Net interest margin | 3.2382% | 4,462 |
| Noninterest income to average assets | 0.3188% | 4,635 |
| Noninterest expense to average assets | 2.1448% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3622% | 1,111 |
| Return on assets (ROA) | 1.3622% | 1,175 |
| Pretax return on assets | 1.2318% | 2,543 |
| Return on Equity (ROE) | 9.8960% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.8960% | 951 |
| Net charge-offs to loans | 0.0229% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 563 |
| Efficiency ratio | 63.5193% | 4,552 |
| Assets per employee ($millions) | 5.6110% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 5,014 |
| Loan loss allowance to noncurrent loans | 988.2353% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 5,691 |
| Noncurrent loans to loans | 0.1014% | 5,393 |
| Net loans and leases to total assets | 59.1802% | 3,774 |
| Net loans and leases to deposits | 68.8150% | 3,879 |
| Net loans and leases to core deposits | 73.3769% | 3,837 |
| Total domestic deposits to total assets | 85.9989% | 2,940 |
| Equity capital to assets | 13.7195% | 1,085 |
| Core capital (leverage) ratio | 13.6414% | 924 |
| Tier 1 risk-based capital ratio | 22.5827% | 1,160 |
| Total risk-based capital ratio | 23.5720% | 1,180 |
| Memoranda: | ||
| Average total assets | $27,602,000 | 6,215 |
| Average earning assets | $26,064,000 | 6,175 |
| Average equity | $3,799,500 | 6,085 |
| Average total loans | $17,442,000 | 5,997 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 4,452 |
| Cost of funding earning assets | 0.3840% | 3,859 |
| Net interest margin | 3.4290% | 4,072 |
| Noninterest income to average assets | 0.1987% | 5,665 |
| Noninterest expense to average assets | 2.1566% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7755% | 3,493 |
| Return on assets (ROA) | 0.7802% | 3,558 |
| Pretax return on assets | 1.2697% | 2,351 |
| Return on Equity (ROE) | 5.8127% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.8127% | 2,053 |
| Net charge-offs to loans | 0.0169% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 114.3333% | 464 |
| Efficiency ratio | 63.0786% | 4,746 |
| Assets per employee ($millions) | 5.4298% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 5,357 |
| Loan loss allowance to noncurrent loans | 994.1176% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 5,770 |
| Noncurrent loans to loans | 0.0939% | 5,515 |
| Net loans and leases to total assets | 66.0945% | 2,862 |
| Net loans and leases to deposits | 76.9138% | 3,099 |
| Net loans and leases to core deposits | 82.1988% | 3,082 |
| Total domestic deposits to total assets | 85.9332% | 2,882 |
| Equity capital to assets | 13.8127% | 1,027 |
| Core capital (leverage) ratio | 13.9350% | 833 |
| Tier 1 risk-based capital ratio | 20.8088% | 1,441 |
| Total risk-based capital ratio | 21.7488% | 1,481 |
| Memoranda: | ||
| Average total assets | $27,172,200 | 6,309 |
| Average earning assets | $25,517,600 | 6,269 |
| Average equity | $3,647,200 | 6,156 |
| Average total loans | $17,713,000 | 6,057 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 4,616 |
| Cost of funding earning assets | 0.3917% | 3,882 |
| Net interest margin | 3.3890% | 4,282 |
| Noninterest income to average assets | 0.2109% | 5,670 |
| Noninterest expense to average assets | 2.1537% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7688% | 3,574 |
| Return on assets (ROA) | 0.7751% | 3,642 |
| Pretax return on assets | 1.2510% | 2,568 |
| Return on Equity (ROE) | 5.8169% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.8169% | 2,521 |
| Net charge-offs to loans | 0.0227% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 84.3300% | 674 |
| Efficiency ratio | 63.4393% | 4,642 |
| Assets per employee ($millions) | 5.4020% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 5,496 |
| Loan loss allowance to noncurrent loans | 938.8889% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,886 |
| Noncurrent loans to loans | 0.0991% | 5,642 |
| Net loans and leases to total assets | 66.6161% | 2,752 |
| Net loans and leases to deposits | 82.7759% | 2,325 |
| Net loans and leases to core deposits | 82.7759% | 3,028 |
| Total domestic deposits to total assets | 80.4776% | 4,970 |
| Equity capital to assets | 13.7023% | 1,108 |
| Core capital (leverage) ratio | 13.7636% | 909 |
| Tier 1 risk-based capital ratio | 20.4413% | 1,567 |
| Total risk-based capital ratio | 21.3783% | 1,608 |
| Memoranda: | ||
| Average total assets | $27,178,000 | 6,384 |
| Average earning assets | $25,532,750 | 6,345 |
| Average equity | $3,621,500 | 6,231 |
| Average total loans | $17,613,000 | 6,120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,760 |
| Cost of funding earning assets | 0.3920% | 3,965 |
| Net interest margin | 3.3396% | 4,443 |
| Noninterest income to average assets | 0.2130% | 5,676 |
| Noninterest expense to average assets | 2.1591% | 5,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7397% | 3,624 |
| Return on assets (ROA) | 0.7491% | 3,679 |
| Pretax return on assets | 1.1970% | 2,678 |
| Return on Equity (ROE) | 5.6745% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.6745% | 2,526 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6154% | 4,596 |
| Assets per employee ($millions) | 5.3806% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 5,416 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 5,999 |
| Noncurrent loans to loans | 0.0915% | 5,741 |
| Net loans and leases to total assets | 64.3609% | 3,020 |
| Net loans and leases to deposits | 74.7206% | 3,241 |
| Net loans and leases to core deposits | 74.7206% | 3,759 |
| Total domestic deposits to total assets | 86.1354% | 2,978 |
| Equity capital to assets | 13.5561% | 1,136 |
| Core capital (leverage) ratio | 13.4358% | 994 |
| Tier 1 risk-based capital ratio | 20.6310% | 1,532 |
| Total risk-based capital ratio | 21.6089% | 1,573 |
| Memoranda: | ||
| Average total assets | $27,234,000 | 6,442 |
| Average earning assets | $25,512,000 | 6,405 |
| Average equity | $3,595,000 | 6,286 |
| Average total loans | $17,430,000 | 6,175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 4,812 |
| Cost of funding earning assets | 0.3914% | 4,074 |
| Net interest margin | 3.3188% | 4,462 |
| Noninterest income to average assets | 0.2044% | 5,720 |
| Noninterest expense to average assets | 2.1460% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7918% | 3,191 |
| Return on assets (ROA) | 0.8321% | 3,063 |
| Pretax return on assets | 1.2117% | 2,438 |
| Return on Equity (ROE) | 6.3883% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.3883% | 2,335 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0442% | 4,684 |
| Assets per employee ($millions) | 5.5636% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,484 |
| Loan loss allowance to noncurrent loans | 1,011.7647% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,090 |
| Noncurrent loans to loans | 0.0997% | 5,826 |
| Net loans and leases to total assets | 60.7053% | 3,442 |
| Net loans and leases to deposits | 69.9197% | 3,612 |
| Net loans and leases to core deposits | 69.9197% | 4,104 |
| Total domestic deposits to total assets | 86.8215% | 2,926 |
| Equity capital to assets | 12.9341% | 1,334 |
| Core capital (leverage) ratio | 12.8809% | 1,211 |
| Tier 1 risk-based capital ratio | 20.9688% | 1,478 |
| Total risk-based capital ratio | 21.9762% | 1,504 |
| Memoranda: | ||
| Average total assets | $27,399,500 | 6,509 |
| Average earning assets | $25,551,500 | 6,468 |
| Average equity | $3,569,000 | 6,334 |
| Average total loans | $17,401,500 | 6,241 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 4,901 |
| Cost of funding earning assets | 0.4439% | 4,176 |
| Net interest margin | 3.3291% | 4,556 |
| Noninterest income to average assets | 0.2347% | 5,666 |
| Noninterest expense to average assets | 2.1557% | 5,721 |
| Loan and lease loss provision to assets | 0.0433% | 4,258 |
| Net operating income to assets | 0.7366% | 3,621 |
| Return on assets (ROA) | 0.7366% | 3,702 |
| Pretax return on assets | 1.1230% | 2,872 |
| Return on Equity (ROE) | 5.9004% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.9004% | 2,037 |
| Net charge-offs to loans | 0.0060% | 5,348 |
| Credit loss provision to net charge-offs | 1,200.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 137 |
| Efficiency ratio | 64.8913% | 4,753 |
| Assets per employee ($millions) | 5.3962% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 5,704 |
| Loan loss allowance to noncurrent loans | 955.5556% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 6,037 |
| Noncurrent loans to loans | 0.1014% | 5,909 |
| Net loans and leases to total assets | 65.1273% | 2,838 |
| Net loans and leases to deposits | 75.3807% | 3,047 |
| Net loans and leases to core deposits | 75.3807% | 3,682 |
| Total domestic deposits to total assets | 86.3978% | 3,041 |
| Equity capital to assets | 13.1203% | 1,218 |
| Core capital (leverage) ratio | 13.4878% | 959 |
| Tier 1 risk-based capital ratio | 19.6359% | 1,743 |
| Total risk-based capital ratio | 20.5964% | 1,789 |
| Memoranda: | ||
| Average total assets | $27,693,400 | 6,567 |
| Average earning assets | $25,682,600 | 6,536 |
| Average equity | $3,457,400 | 6,442 |
| Average total loans | $16,614,200 | 6,339 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 5,008 |
| Cost of funding earning assets | 0.4599% | 4,173 |
| Net interest margin | 3.2973% | 4,649 |
| Noninterest income to average assets | 0.2344% | 5,755 |
| Noninterest expense to average assets | 2.0905% | 5,852 |
| Loan and lease loss provision to assets | 0.0431% | 4,150 |
| Net operating income to assets | 0.7893% | 3,404 |
| Return on assets (ROA) | 0.7893% | 3,539 |
| Pretax return on assets | 1.1529% | 2,882 |
| Return on Equity (ROE) | 6.4011% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.4011% | 2,187 |
| Net charge-offs to loans | 0.0081% | 4,995 |
| Credit loss provision to net charge-offs | 900.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 250.6241% | 233 |
| Efficiency ratio | 63.6099% | 4,866 |
| Assets per employee ($millions) | 5.1334% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,750 |
| Loan loss allowance to noncurrent loans | 889.4737% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 6,097 |
| Noncurrent loans to loans | 0.1119% | 5,993 |
| Net loans and leases to total assets | 65.5004% | 2,720 |
| Net loans and leases to deposits | 76.1965% | 2,935 |
| Net loans and leases to core deposits | 76.1965% | 3,595 |
| Total domestic deposits to total assets | 85.9625% | 3,270 |
| Equity capital to assets | 13.6479% | 1,064 |
| Core capital (leverage) ratio | 13.3081% | 1,096 |
| Tier 1 risk-based capital ratio | 20.0219% | 1,731 |
| Total risk-based capital ratio | 20.9950% | 1,764 |
| Memoranda: | ||
| Average total assets | $27,871,500 | 6,643 |
| Average earning assets | $25,798,500 | 6,609 |
| Average equity | $3,436,750 | 6,524 |
| Average total loans | $16,331,750 | 6,423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 5,120 |
| Cost of funding earning assets | 0.4842% | 4,044 |
| Net interest margin | 3.2230% | 4,859 |
| Noninterest income to average assets | 0.2377% | 5,746 |
| Noninterest expense to average assets | 2.0765% | 5,917 |
| Loan and lease loss provision to assets | 0.0419% | 4,115 |
| Net operating income to assets | 0.7830% | 3,385 |
| Return on assets (ROA) | 0.7830% | 3,549 |
| Pretax return on assets | 1.0977% | 3,103 |
| Return on Equity (ROE) | 6.5599% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.5599% | 2,114 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5652% | 4,780 |
| Assets per employee ($millions) | 4.5202% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,745 |
| Loan loss allowance to noncurrent loans | 1,284.6154% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 6,363 |
| Noncurrent loans to loans | 0.0792% | 6,157 |
| Net loans and leases to total assets | 59.8724% | 3,679 |
| Net loans and leases to deposits | 68.9044% | 3,871 |
| Net loans and leases to core deposits | 68.9044% | 4,404 |
| Total domestic deposits to total assets | 86.8921% | 2,889 |
| Equity capital to assets | 12.6728% | 1,486 |
| Core capital (leverage) ratio | 12.2291% | 1,491 |
| Tier 1 risk-based capital ratio | 20.1342% | 1,693 |
| Total risk-based capital ratio | 21.1174% | 1,726 |
| Memoranda: | ||
| Average total assets | $28,606,330 | 6,678 |
| Average earning assets | $26,435,000 | 6,643 |
| Average equity | $3,414,670 | 6,579 |
| Average total loans | $16,115,330 | 6,469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 5,679 |
| Cost of funding earning assets | 0.4885% | 4,196 |
| Net interest margin | 3.0196% | 5,515 |
| Noninterest income to average assets | 0.2317% | 5,797 |
| Noninterest expense to average assets | 1.9762% | 6,150 |
| Loan and lease loss provision to assets | 0.0409% | 3,915 |
| Net operating income to assets | 0.7905% | 3,217 |
| Return on assets (ROA) | 0.7905% | 3,349 |
| Pretax return on assets | 0.9949% | 3,374 |
| Return on Equity (ROE) | 6.8165% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.8165% | 2,246 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6109% | 4,727 |
| Assets per employee ($millions) | 4.9823% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,853 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 6,163 |
| Noncurrent loans to loans | 0.2590% | 5,763 |
| Net loans and leases to total assets | 52.4119% | 4,641 |
| Net loans and leases to deposits | 59.8312% | 4,808 |
| Net loans and leases to core deposits | 59.8312% | 5,164 |
| Total domestic deposits to total assets | 87.5995% | 2,573 |
| Equity capital to assets | 11.4772% | 2,430 |
| Core capital (leverage) ratio | 11.3068% | 2,010 |
| Tier 1 risk-based capital ratio | 20.6949% | 1,617 |
| Total risk-based capital ratio | 21.6982% | 1,637 |
| Memoranda: | ||
| Average total assets | $29,349,000 | 6,727 |
| Average earning assets | $27,023,500 | 6,693 |
| Average equity | $3,403,500 | 6,642 |
| Average total loans | $15,970,500 | 6,536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 4,551 |
| Cost of funding earning assets | 0.6857% | 3,605 |
| Net interest margin | 3.5245% | 4,398 |
| Noninterest income to average assets | 0.2163% | 5,881 |
| Noninterest expense to average assets | 2.1665% | 5,991 |
| Loan and lease loss provision to assets | 0.0623% | 4,991 |
| Net operating income to assets | 0.7698% | 3,412 |
| Return on assets (ROA) | 0.7698% | 3,665 |
| Pretax return on assets | 1.2097% | 2,771 |
| Return on Equity (ROE) | 6.3915% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.3915% | 1,879 |
| Net charge-offs to loans | 0.0426% | 5,320 |
| Credit loss provision to net charge-offs | 242.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 49.5714% | 685 |
| Efficiency ratio | 63.0064% | 5,077 |
| Assets per employee ($millions) | 5.7608% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,967 |
| Loan loss allowance to noncurrent loans | 1,610.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,570 |
| Noncurrent loans to loans | 0.0621% | 6,335 |
| Net loans and leases to total assets | 55.3673% | 4,397 |
| Net loans and leases to deposits | 63.4797% | 4,604 |
| Net loans and leases to core deposits | 63.4797% | 5,021 |
| Total domestic deposits to total assets | 87.2205% | 2,693 |
| Equity capital to assets | 11.7206% | 2,253 |
| Core capital (leverage) ratio | 11.7637% | 1,695 |
| Tier 1 risk-based capital ratio | 19.8792% | 1,708 |
| Total risk-based capital ratio | 20.8418% | 1,754 |
| Memoranda: | ||
| Average total assets | $27,279,000 | 6,817 |
| Average earning assets | $24,939,600 | 6,790 |
| Average equity | $3,285,600 | 6,727 |
| Average total loans | $16,429,200 | 6,578 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 4,536 |
| Cost of funding earning assets | 0.7086% | 3,690 |
| Net interest margin | 3.5699% | 4,356 |
| Noninterest income to average assets | 0.2231% | 5,956 |
| Noninterest expense to average assets | 2.1364% | 6,097 |
| Loan and lease loss provision to assets | 0.0694% | 4,808 |
| Net operating income to assets | 0.9022% | 2,974 |
| Return on assets (ROA) | 0.9022% | 3,207 |
| Pretax return on assets | 1.2888% | 2,644 |
| Return on Equity (ROE) | 7.4367% | 3,567 |
| Retained earnings to average equity (ytd only) | 7.4367% | 1,876 |
| Net charge-offs to loans | 0.0646% | 4,776 |
| Credit loss provision to net charge-offs | 175.0000% | 1,587 |
| Earnings coverage of net charge-offs (x) | 34.2381% | 988 |
| Efficiency ratio | 61.1348% | 5,292 |
| Assets per employee ($millions) | 5.4776% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 6,306 |
| Loan loss allowance to noncurrent loans | 981.2500% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 6,607 |
| Noncurrent loans to loans | 0.0947% | 6,381 |
| Net loans and leases to total assets | 61.1363% | 3,546 |
| Net loans and leases to deposits | 70.5159% | 3,828 |
| Net loans and leases to core deposits | 72.7115% | 4,168 |
| Total domestic deposits to total assets | 86.6986% | 2,855 |
| Equity capital to assets | 12.2645% | 2,067 |
| Core capital (leverage) ratio | 12.2433% | 1,517 |
| Tier 1 risk-based capital ratio | 18.9330% | 2,033 |
| Total risk-based capital ratio | 19.8346% | 2,102 |
| Memoranda: | ||
| Average total assets | $26,897,750 | 6,913 |
| Average earning assets | $24,650,250 | 6,883 |
| Average equity | $3,263,000 | 6,821 |
| Average total loans | $16,509,250 | 6,660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 4,617 |
| Cost of funding earning assets | 0.7405% | 3,683 |
| Net interest margin | 3.5479% | 4,476 |
| Noninterest income to average assets | 0.1870% | 6,229 |
| Noninterest expense to average assets | 2.1471% | 6,130 |
| Loan and lease loss provision to assets | 0.0449% | 5,113 |
| Net operating income to assets | 0.9052% | 2,891 |
| Return on assets (ROA) | 0.9052% | 3,160 |
| Pretax return on assets | 1.2568% | 2,702 |
| Return on Equity (ROE) | 7.4899% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.4899% | 1,880 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2560% | 5,205 |
| Assets per employee ($millions) | 5.4386% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,397 |
| Loan loss allowance to noncurrent loans | 603.8462% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 6,419 |
| Noncurrent loans to loans | 0.1533% | 6,279 |
| Net loans and leases to total assets | 61.7733% | 3,484 |
| Net loans and leases to deposits | 71.2202% | 3,735 |
| Net loans and leases to core deposits | 73.4082% | 4,110 |
| Total domestic deposits to total assets | 86.7356% | 2,940 |
| Equity capital to assets | 12.1208% | 2,052 |
| Core capital (leverage) ratio | 12.0864% | 1,563 |
| Tier 1 risk-based capital ratio | 18.5860% | 2,110 |
| Total risk-based capital ratio | 19.4877% | 2,188 |
| Memoranda: | ||
| Average total assets | $26,734,330 | 6,972 |
| Average earning assets | $24,578,000 | 6,943 |
| Average equity | $3,231,000 | 6,866 |
| Average total loans | $16,378,670 | 6,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 4,869 |
| Cost of funding earning assets | 0.7905% | 3,546 |
| Net interest margin | 3.4750% | 4,811 |
| Noninterest income to average assets | 0.1962% | 6,208 |
| Noninterest expense to average assets | 2.2184% | 5,997 |
| Loan and lease loss provision to assets | 0.0453% | 4,836 |
| Net operating income to assets | 0.8753% | 3,034 |
| Return on assets (ROA) | 0.8753% | 3,258 |
| Pretax return on assets | 1.1168% | 3,257 |
| Return on Equity (ROE) | 7.2534% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.2534% | 2,301 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6250% | 4,628 |
| Assets per employee ($millions) | 5.4210% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 6,430 |
| Loan loss allowance to noncurrent loans | 570.3704% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 6,351 |
| Noncurrent loans to loans | 0.1658% | 6,348 |
| Net loans and leases to total assets | 59.5130% | 3,776 |
| Net loans and leases to deposits | 68.4010% | 3,995 |
| Net loans and leases to core deposits | 70.5026% | 4,343 |
| Total domestic deposits to total assets | 87.0061% | 2,953 |
| Equity capital to assets | 11.9056% | 2,108 |
| Core capital (leverage) ratio | 11.9169% | 1,636 |
| Tier 1 risk-based capital ratio | 19.4341% | 1,859 |
| Total risk-based capital ratio | 20.3773% | 1,922 |
| Memoranda: | ||
| Average total assets | $26,505,000 | 7,037 |
| Average earning assets | $24,288,000 | 7,008 |
| Average equity | $3,198,500 | 6,923 |
| Average total loans | $16,090,500 | 6,791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 4,927 |
| Cost of funding earning assets | 1.0341% | 3,129 |
| Net interest margin | 3.5040% | 5,131 |
| Noninterest income to average assets | 0.2128% | 5,994 |
| Noninterest expense to average assets | 2.1935% | 6,284 |
| Loan and lease loss provision to assets | 0.0464% | 5,994 |
| Net operating income to assets | 0.7079% | 3,450 |
| Return on assets (ROA) | 0.7079% | 3,634 |
| Pretax return on assets | 1.1451% | 2,674 |
| Return on Equity (ROE) | 5.9777% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.9777% | 2,028 |
| Net charge-offs to loans | 0.0812% | 5,506 |
| Credit loss provision to net charge-offs | 92.3077% | 3,904 |
| Earnings coverage of net charge-offs (x) | 23.6923% | 1,010 |
| Efficiency ratio | 64.8000% | 4,985 |
| Assets per employee ($millions) | 5.1810% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,399 |
| Loan loss allowance to noncurrent loans | 539.2857% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 6,250 |
| Noncurrent loans to loans | 0.1761% | 6,398 |
| Net loans and leases to total assets | 60.7798% | 3,834 |
| Net loans and leases to deposits | 70.2494% | 4,054 |
| Net loans and leases to core deposits | 72.5242% | 4,439 |
| Total domestic deposits to total assets | 86.5200% | 3,021 |
| Equity capital to assets | 12.2370% | 1,944 |
| Core capital (leverage) ratio | 11.9817% | 1,605 |
| Tier 1 risk-based capital ratio | 19.6171% | 1,725 |
| Total risk-based capital ratio | 20.5680% | 1,780 |
| Memoranda: | ||
| Average total assets | $25,849,400 | 7,076 |
| Average earning assets | $23,401,800 | 7,066 |
| Average equity | $3,061,400 | 6,996 |
| Average total loans | $16,007,200 | 6,846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 4,935 |
| Cost of funding earning assets | 1.0671% | 3,200 |
| Net interest margin | 3.5151% | 5,123 |
| Noninterest income to average assets | 0.2116% | 6,102 |
| Noninterest expense to average assets | 2.1727% | 6,336 |
| Loan and lease loss provision to assets | 0.0464% | 5,860 |
| Net operating income to assets | 0.7483% | 3,390 |
| Return on assets (ROA) | 0.7483% | 3,552 |
| Pretax return on assets | 1.1715% | 2,733 |
| Return on Equity (ROE) | 6.3716% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.3716% | 2,312 |
| Net charge-offs to loans | 0.0416% | 5,569 |
| Credit loss provision to net charge-offs | 180.0000% | 1,651 |
| Earnings coverage of net charge-offs (x) | 47.1754% | 678 |
| Efficiency ratio | 64.0791% | 5,051 |
| Assets per employee ($millions) | 5.2602% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 6,399 |
| Loan loss allowance to noncurrent loans | 283.6364% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 6,071 |
| Noncurrent loans to loans | 0.3407% | 6,169 |
| Net loans and leases to total assets | 60.7772% | 3,985 |
| Net loans and leases to deposits | 70.6207% | 4,196 |
| Net loans and leases to core deposits | 72.8844% | 4,594 |
| Total domestic deposits to total assets | 86.0614% | 3,186 |
| Equity capital to assets | 11.9045% | 2,327 |
| Core capital (leverage) ratio | 11.7159% | 1,877 |
| Tier 1 risk-based capital ratio | 19.0153% | 1,930 |
| Total risk-based capital ratio | 19.9790% | 1,979 |
| Memoranda: | ||
| Average total assets | $25,835,500 | 7,151 |
| Average earning assets | $23,365,500 | 7,138 |
| Average equity | $3,034,250 | 7,061 |
| Average total loans | $16,035,000 | 6,913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 4,767 |
| Cost of funding earning assets | 1.1119% | 3,156 |
| Net interest margin | 3.5354% | 4,993 |
| Noninterest income to average assets | 0.2025% | 6,219 |
| Noninterest expense to average assets | 2.2118% | 6,354 |
| Loan and lease loss provision to assets | 0.0467% | 5,724 |
| Net operating income to assets | 0.7165% | 3,463 |
| Return on assets (ROA) | 0.7165% | 3,573 |
| Pretax return on assets | 1.1137% | 2,797 |
| Return on Equity (ROE) | 6.1292% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.1292% | 2,342 |
| Net charge-offs to loans | 0.1250% | 4,476 |
| Credit loss provision to net charge-offs | 60.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | 14.9000% | 1,446 |
| Efficiency ratio | 65.5889% | 4,957 |
| Assets per employee ($millions) | 4.4307% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 6,593 |
| Loan loss allowance to noncurrent loans | 870.5882% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 6,488 |
| Noncurrent loans to loans | 0.1060% | 6,707 |
| Net loans and leases to total assets | 59.7615% | 4,316 |
| Net loans and leases to deposits | 69.1641% | 4,545 |
| Net loans and leases to core deposits | 71.2965% | 4,915 |
| Total domestic deposits to total assets | 86.4054% | 3,095 |
| Equity capital to assets | 11.5295% | 2,480 |
| Core capital (leverage) ratio | 12.0825% | 1,563 |
| Tier 1 risk-based capital ratio | 18.9688% | 1,861 |
| Total risk-based capital ratio | 19.8971% | 1,917 |
| Memoranda: | ||
| Average total assets | $25,680,330 | 7,221 |
| Average earning assets | $23,024,000 | 7,214 |
| Average equity | $3,002,000 | 7,126 |
| Average total loans | $15,999,670 | 6,980 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 5,234 |
| Cost of funding earning assets | 1.1160% | 3,411 |
| Net interest margin | 3.4165% | 5,364 |
| Noninterest income to average assets | 0.1744% | 6,484 |
| Noninterest expense to average assets | 2.2514% | 6,299 |
| Loan and lease loss provision to assets | 0.0476% | 5,407 |
| Net operating income to assets | 0.7293% | 3,386 |
| Return on assets (ROA) | 0.7293% | 3,448 |
| Pretax return on assets | 1.0306% | 3,019 |
| Return on Equity (ROE) | 6.1942% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.1942% | 2,529 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6190% | 4,738 |
| Assets per employee ($millions) | 4.3427% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,430 |
| Loan loss allowance to noncurrent loans | 242.1875% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,565 |
| Noncurrent loans to loans | 0.4092% | 6,179 |
| Net loans and leases to total assets | 59.4259% | 4,380 |
| Net loans and leases to deposits | 68.7353% | 4,566 |
| Net loans and leases to core deposits | 71.7516% | 4,821 |
| Total domestic deposits to total assets | 86.4561% | 3,260 |
| Equity capital to assets | 11.5021% | 2,265 |
| Core capital (leverage) ratio | 11.4515% | 1,874 |
| Tier 1 risk-based capital ratio | 19.3416% | 1,726 |
| Total risk-based capital ratio | 20.3480% | 1,741 |
| Memoranda: | ||
| Average total assets | $25,228,500 | 7,283 |
| Average earning assets | $23,298,500 | 7,257 |
| Average equity | $2,970,500 | 7,175 |
| Average total loans | $15,982,000 | 7,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 3,889 |
| Cost of funding earning assets | 1.3593% | 3,517 |
| Net interest margin | 3.7844% | 4,008 |
| Noninterest income to average assets | 0.2638% | 5,902 |
| Noninterest expense to average assets | 2.3327% | 6,263 |
| Loan and lease loss provision to assets | 0.1072% | 6,076 |
| Net operating income to assets | 0.9138% | 2,334 |
| Return on assets (ROA) | 0.9108% | 2,478 |
| Pretax return on assets | 1.2735% | 2,006 |
| Return on Equity (ROE) | 7.7311% | 2,807 |
| Retained earnings to average equity (ytd only) | 7.7311% | 1,067 |
| Net charge-offs to loans | 0.0849% | 5,987 |
| Credit loss provision to net charge-offs | 185.7143% | 1,766 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 880 |
| Efficiency ratio | 62.7494% | 5,568 |
| Assets per employee ($millions) | 4.0668% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,634 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 6,589 |
| Noncurrent loans to loans | 0.3920% | 6,266 |
| Net loans and leases to total assets | 66.2801% | 3,409 |
| Net loans and leases to deposits | 77.3569% | 3,613 |
| Net loans and leases to core deposits | 81.0271% | 4,053 |
| Total domestic deposits to total assets | 85.6809% | 3,506 |
| Equity capital to assets | 12.0651% | 1,877 |
| Core capital (leverage) ratio | 11.9820% | 1,561 |
| Tier 1 risk-based capital ratio | 18.2782% | 1,914 |
| Total risk-based capital ratio | 19.2257% | 1,969 |
| Memoranda: | ||
| Average total assets | $24,263,400 | 7,368 |
| Average earning assets | $22,143,800 | 7,344 |
| Average equity | $2,858,600 | 7,314 |
| Average total loans | $16,481,000 | 7,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 3,745 |
| Cost of funding earning assets | 1.4075% | 3,541 |
| Net interest margin | 3.8116% | 3,927 |
| Noninterest income to average assets | 0.2696% | 5,959 |
| Noninterest expense to average assets | 2.3277% | 6,242 |
| Loan and lease loss provision to assets | 0.0495% | 6,590 |
| Net operating income to assets | 1.0443% | 2,089 |
| Return on assets (ROA) | 1.0400% | 2,206 |
| Pretax return on assets | 1.3592% | 2,007 |
| Return on Equity (ROE) | 8.8815% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.8815% | 1,091 |
| Net charge-offs to loans | 0.0565% | 5,953 |
| Credit loss provision to net charge-offs | 128.5714% | 3,158 |
| Earnings coverage of net charge-offs (x) | 36.7267% | 743 |
| Efficiency ratio | 62.2059% | 5,589 |
| Assets per employee ($millions) | 3.9772% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 6,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.4480% | 2,627 |
| Net loans and leases to deposits | 82.5363% | 3,004 |
| Net loans and leases to core deposits | 87.4616% | 3,450 |
| Total domestic deposits to total assets | 85.3539% | 3,432 |
| Equity capital to assets | 12.2826% | 1,986 |
| Core capital (leverage) ratio | 11.9805% | 1,679 |
| Tier 1 risk-based capital ratio | 17.5407% | 2,161 |
| Total risk-based capital ratio | 18.3996% | 2,252 |
| Memoranda: | ||
| Average total assets | $24,229,000 | 7,466 |
| Average earning assets | $22,072,500 | 7,443 |
| Average equity | $2,837,250 | 7,413 |
| Average total loans | $16,520,000 | 7,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 4,135 |
| Cost of funding earning assets | 1.4231% | 3,728 |
| Net interest margin | 3.7380% | 4,197 |
| Noninterest income to average assets | 0.2792% | 5,918 |
| Noninterest expense to average assets | 2.3326% | 6,266 |
| Loan and lease loss provision to assets | 0.0493% | 6,475 |
| Net operating income to assets | 1.0745% | 1,933 |
| Return on assets (ROA) | 1.0677% | 2,030 |
| Pretax return on assets | 1.2977% | 2,093 |
| Return on Equity (ROE) | 9.2659% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.2659% | 1,025 |
| Net charge-offs to loans | 0.0489% | 5,699 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 709 |
| Efficiency ratio | 63.2517% | 5,476 |
| Assets per employee ($millions) | 3.9917% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 69.1649% | 3,092 |
| Net loans and leases to deposits | 81.3246% | 3,380 |
| Net loans and leases to core deposits | 86.0698% | 3,819 |
| Total domestic deposits to total assets | 85.0480% | 3,599 |
| Equity capital to assets | 11.9582% | 2,121 |
| Core capital (leverage) ratio | 11.6817% | 1,819 |
| Tier 1 risk-based capital ratio | 16.4419% | 2,499 |
| Total risk-based capital ratio | 17.2637% | 2,624 |
| Memoranda: | ||
| Average total assets | $24,351,000 | 7,521 |
| Average earning assets | $22,204,670 | 7,500 |
| Average equity | $2,806,000 | 7,472 |
| Average total loans | $16,375,670 | 7,249 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 4,523 |
| Cost of funding earning assets | 1.4674% | 3,761 |
| Net interest margin | 3.6328% | 4,566 |
| Noninterest income to average assets | 0.2444% | 6,199 |
| Noninterest expense to average assets | 2.2809% | 6,438 |
| Loan and lease loss provision to assets | 0.0489% | 6,175 |
| Net operating income to assets | 1.2545% | 1,396 |
| Return on assets (ROA) | 1.2545% | 1,469 |
| Pretax return on assets | 1.2219% | 2,290 |
| Return on Equity (ROE) | 11.0911% | 1,763 |
| Retained earnings to average equity (ytd only) | 11.0911% | 902 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2202% | 5,451 |
| Assets per employee ($millions) | 4.0888% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.0267% | 4,095 |
| Net loans and leases to deposits | 76.2827% | 4,360 |
| Net loans and leases to core deposits | 80.6114% | 4,687 |
| Total domestic deposits to total assets | 85.2444% | 3,541 |
| Equity capital to assets | 11.4621% | 2,390 |
| Core capital (leverage) ratio | 11.2302% | 2,072 |
| Tier 1 risk-based capital ratio | 16.5215% | 2,437 |
| Total risk-based capital ratio | 17.3689% | 2,560 |
| Memoranda: | ||
| Average total assets | $24,551,500 | 7,604 |
| Average earning assets | $22,352,000 | 7,589 |
| Average equity | $2,777,000 | 7,558 |
| Average total loans | $16,210,000 | 7,344 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 4,783 |
| Cost of funding earning assets | 1.7016% | 4,498 |
| Net interest margin | 3.6786% | 4,225 |
| Noninterest income to average assets | 0.2964% | 5,990 |
| Noninterest expense to average assets | 2.4601% | 6,268 |
| Loan and lease loss provision to assets | 0.0254% | 7,257 |
| Net operating income to assets | 0.6224% | 3,243 |
| Return on assets (ROA) | 0.6224% | 3,308 |
| Pretax return on assets | 1.2618% | 1,803 |
| Return on Equity (ROE) | 5.4945% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.4945% | 1,582 |
| Net charge-offs to loans | 0.0487% | 6,610 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 626 |
| Efficiency ratio | 65.6497% | 5,464 |
| Assets per employee ($millions) | 4.0950% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 6,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.8689% | 4,189 |
| Net loans and leases to deposits | 76.9933% | 4,565 |
| Net loans and leases to core deposits | 94.1697% | 4,657 |
| Total domestic deposits to total assets | 85.5515% | 3,258 |
| Equity capital to assets | 11.1600% | 2,567 |
| Core capital (leverage) ratio | 11.1748% | 2,129 |
| Tier 1 risk-based capital ratio | 15.8455% | 2,588 |
| Total risk-based capital ratio | 16.6637% | 2,707 |
| Memoranda: | ||
| Average total assets | $23,617,000 | 7,679 |
| Average earning assets | $22,155,200 | 7,648 |
| Average equity | $2,675,400 | 7,684 |
| Average total loans | $16,418,200 | 7,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 4,742 |
| Cost of funding earning assets | 1.7184% | 4,808 |
| Net interest margin | 3.7212% | 3,982 |
| Noninterest income to average assets | 0.2966% | 6,102 |
| Noninterest expense to average assets | 2.4580% | 6,220 |
| Loan and lease loss provision to assets | 0.0285% | 7,065 |
| Net operating income to assets | 0.6615% | 3,345 |
| Return on assets (ROA) | 0.6615% | 3,409 |
| Pretax return on assets | 1.3174% | 1,918 |
| Return on Equity (ROE) | 5.8170% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.8170% | 2,034 |
| Net charge-offs to loans | 0.0081% | 6,850 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 236.5865% | 165 |
| Efficiency ratio | 64.6177% | 5,634 |
| Assets per employee ($millions) | 3.8962% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.9330% | 3,286 |
| Net loans and leases to deposits | 83.6166% | 3,708 |
| Net loans and leases to core deposits | 101.0913% | 4,256 |
| Total domestic deposits to total assets | 84.8312% | 3,317 |
| Equity capital to assets | 11.6311% | 2,483 |
| Core capital (leverage) ratio | 11.6103% | 2,011 |
| Tier 1 risk-based capital ratio | 15.6396% | 2,757 |
| Total risk-based capital ratio | 16.4916% | 2,876 |
| Memoranda: | ||
| Average total assets | $23,378,750 | 7,755 |
| Average earning assets | $22,035,250 | 7,719 |
| Average equity | $2,658,750 | 7,761 |
| Average total loans | $16,441,750 | 7,451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 5,130 |
| Cost of funding earning assets | 1.7743% | 4,887 |
| Net interest margin | 3.6300% | 4,247 |
| Noninterest income to average assets | 0.2994% | 6,121 |
| Noninterest expense to average assets | 2.4038% | 6,444 |
| Loan and lease loss provision to assets | 0.0257% | 6,980 |
| Net operating income to assets | 0.6159% | 3,613 |
| Return on assets (ROA) | 0.6159% | 3,724 |
| Pretax return on assets | 1.3003% | 2,027 |
| Return on Equity (ROE) | 5.4573% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.4573% | 2,266 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4495% | 5,816 |
| Assets per employee ($millions) | 3.8300% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.1227% | 3,440 |
| Net loans and leases to deposits | 83.9057% | 3,896 |
| Net loans and leases to core deposits | 94.4849% | 5,060 |
| Total domestic deposits to total assets | 84.7650% | 3,372 |
| Equity capital to assets | 11.6319% | 2,443 |
| Core capital (leverage) ratio | 11.1478% | 2,292 |
| Tier 1 risk-based capital ratio | 15.7873% | 2,699 |
| Total risk-based capital ratio | 16.6557% | 2,783 |
| Memoranda: | ||
| Average total assets | $23,379,330 | 7,836 |
| Average earning assets | $22,093,670 | 7,789 |
| Average equity | $2,638,670 | 7,841 |
| Average total loans | $16,346,330 | 7,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 5,897 |
| Cost of funding earning assets | 1.7903% | 5,161 |
| Net interest margin | 3.5090% | 4,689 |
| Noninterest income to average assets | 0.2375% | 6,556 |
| Noninterest expense to average assets | 2.2902% | 6,571 |
| Loan and lease loss provision to assets | 0.0339% | 6,515 |
| Net operating income to assets | 0.4750% | 4,539 |
| Return on assets (ROA) | 0.4750% | 4,730 |
| Pretax return on assets | 1.2384% | 2,487 |
| Return on Equity (ROE) | 4.2724% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.2724% | 3,529 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 5,636 |
| Assets per employee ($millions) | 3.9927% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 6,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.9269% | 4,358 |
| Net loans and leases to deposits | 78.4202% | 4,857 |
| Net loans and leases to core deposits | 88.1952% | 5,718 |
| Total domestic deposits to total assets | 85.3440% | 3,037 |
| Equity capital to assets | 10.9952% | 2,962 |
| Core capital (leverage) ratio | 10.7816% | 2,670 |
| Tier 1 risk-based capital ratio | 15.6041% | 2,813 |
| Total risk-based capital ratio | 16.4710% | 2,914 |
| Memoranda: | ||
| Average total assets | $23,579,000 | 7,883 |
| Average earning assets | $22,342,500 | 7,830 |
| Average equity | $2,621,500 | 7,895 |
| Average total loans | $16,275,000 | 7,567 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 6,065 |
| Cost of funding earning assets | 2.2131% | 5,542 |
| Net interest margin | 3.6806% | 4,545 |
| Noninterest income to average assets | 0.3002% | 6,315 |
| Noninterest expense to average assets | 2.3841% | 6,448 |
| Loan and lease loss provision to assets | 0.0486% | 6,807 |
| Net operating income to assets | 0.8212% | 3,344 |
| Return on assets (ROA) | 0.8212% | 3,184 |
| Pretax return on assets | 1.3333% | 2,197 |
| Return on Equity (ROE) | 7.4448% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.4448% | 1,001 |
| Net charge-offs to loans | 0.0255% | 6,487 |
| Credit loss provision to net charge-offs | 275.0000% | 1,665 |
| Earnings coverage of net charge-offs (x) | 78.2500% | 527 |
| Efficiency ratio | 63.3060% | 5,710 |
| Assets per employee ($millions) | 3.8670% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8673% | 6,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.9552% | 4,027 |
| Net loans and leases to deposits | 83.6434% | 4,473 |
| Net loans and leases to core deposits | 92.2845% | 5,609 |
| Total domestic deposits to total assets | 83.6350% | 3,514 |
| Equity capital to assets | 11.2447% | 2,847 |
| Core capital (leverage) ratio | 11.0299% | 2,572 |
| Tier 1 risk-based capital ratio | 15.4050% | 2,875 |
| Total risk-based capital ratio | 16.2581% | 2,957 |
| Memoranda: | ||
| Average total assets | $22,649,800 | 7,923 |
| Average earning assets | $21,327,800 | 7,884 |
| Average equity | $2,498,400 | 7,987 |
| Average total loans | $15,682,000 | 7,608 |