Home > State Bank > Performance and Condition Ratios
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 | 4.8977% | 2,281 |
| Cost of funding earning assets | 0.9017% | 3,518 |
| Net interest margin | 3.9960% | 1,216 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 3.5269% | 562 |
| Loan and lease loss provision to assets | 0.5800% | 141 |
| Net operating income to assets | -0.3310% | 4,490 |
| Return on assets (ROA) | -0.3347% | 4,477 |
| Pretax return on assets | -0.2973% | 4,455 |
| Return on Equity (ROE) | -2.1500% | 4,422 |
| Retained earnings to average equity (ytd only) | -2.1509% | 4,279 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.5417% | 348 |
| Assets per employee ($millions) | 3.7797% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 3,636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.8500% | 655 |
| Net loans and leases to deposits | 94.5488% | 903 |
| Net loans and leases to core deposits | 101.6804% | 1,346 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 15.1616% | 538 |
| Core capital (leverage) ratio | 15.7343% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,475,200 | 4,280 |
| Average earning assets | $48,573,600 | 4,267 |
| Average equity | $8,322,200 | 3,898 |
| Average total loans | $39,227,200 | 4,008 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 2,783 |
| Cost of funding earning assets | 0.6999% | 3,764 |
| Net interest margin | 3.8580% | 1,482 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 3.3406% | 683 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.0936% | 4,324 |
| Return on assets (ROA) | 0.0825% | 4,351 |
| Pretax return on assets | 0.0954% | 4,349 |
| Return on Equity (ROE) | 0.5300% | 4,355 |
| Retained earnings to average equity (ytd only) | 0.5261% | 4,041 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.9474% | 348 |
| Assets per employee ($millions) | 3.7939% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 4,271 |
| Loan loss allowance to noncurrent loans | 59.6401% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 770 |
| Noncurrent loans to loans | 1.0000% | 806 |
| Net loans and leases to total assets | 72.8000% | 1,490 |
| Net loans and leases to deposits | 87.2965% | 1,446 |
| Net loans and leases to core deposits | 93.5750% | 1,697 |
| Total domestic deposits to total assets | 83.4000% | 2,927 |
| Equity capital to assets | 16.2500% | 429 |
| Core capital (leverage) ratio | 16.5637% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,725,250 | 4,321 |
| Average earning assets | $46,862,250 | 4,301 |
| Average equity | $8,110,500 | 3,922 |
| Average total loans | $36,849,750 | 4,054 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 3,040 |
| Cost of funding earning assets | 0.6025% | 3,744 |
| Net interest margin | 3.7269% | 1,765 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 3.2890% | 700 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | -0.0117% | 4,484 |
| Return on assets (ROA) | -0.0273% | 4,477 |
| Pretax return on assets | -0.0078% | 4,463 |
| Return on Equity (ROE) | -0.1800% | 4,447 |
| Retained earnings to average equity (ytd only) | -0.1764% | 4,125 |
| Net charge-offs to loans | 0.0221% | 1,441 |
| Credit loss provision to net charge-offs | 1,650.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,812 |
| Efficiency ratio | 92.5357% | 290 |
| Assets per employee ($millions) | 4.0530% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 4,347 |
| Loan loss allowance to noncurrent loans | 167.7686% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,036 |
| Noncurrent loans to loans | 0.3221% | 1,985 |
| Net loans and leases to total assets | 70.9100% | 1,645 |
| Net loans and leases to deposits | 84.9201% | 1,596 |
| Net loans and leases to core deposits | 90.6607% | 1,751 |
| Total domestic deposits to total assets | 83.5100% | 2,930 |
| Equity capital to assets | 16.3051% | 420 |
| Core capital (leverage) ratio | 17.2874% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,262,333 | 4,346 |
| Average earning assets | $46,473,000 | 4,326 |
| Average equity | $7,937,000 | 3,961 |
| Average total loans | $36,166,333 | 4,082 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 3,055 |
| Cost of funding earning assets | 0.4894% | 3,729 |
| Net interest margin | 3.7058% | 1,886 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 3.2523% | 742 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.1583% | 4,393 |
| Return on assets (ROA) | 0.1820% | 4,342 |
| Pretax return on assets | 0.1820% | 4,354 |
| Return on Equity (ROE) | 1.2100% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.2089% | 3,838 |
| Net charge-offs to loans | 0.0451% | 906 |
| Credit loss provision to net charge-offs | 325.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 1,728 |
| Efficiency ratio | 92.5676% | 291 |
| Assets per employee ($millions) | 4.0116% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4218% | 4,486 |
| Loan loss allowance to noncurrent loans | 123.9669% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 1,867 |
| Noncurrent loans to loans | 0.3403% | 1,926 |
| Net loans and leases to total assets | 73.5500% | 1,256 |
| Net loans and leases to deposits | 87.5374% | 1,248 |
| Net loans and leases to core deposits | 93.3509% | 1,434 |
| Total domestic deposits to total assets | 84.0300% | 3,087 |
| Equity capital to assets | 15.8312% | 420 |
| Core capital (leverage) ratio | 15.9719% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $50,549,000 | 4,413 |
| Average earning assets | $45,766,500 | 4,393 |
| Average equity | $7,610,000 | 4,046 |
| Average total loans | $35,466,000 | 4,145 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 1,289 |
| Cost of funding earning assets | 0.4124% | 1,993 |
| Net interest margin | 3.7662% | 1,231 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 3.1005% | 834 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.2021% | 4,446 |
| Return on assets (ROA) | 0.1536% | 4,463 |
| Pretax return on assets | 0.1536% | 4,472 |
| Return on Equity (ROE) | 1.0100% | 4,486 |
| Retained earnings to average equity (ytd only) | 1.0100% | 4,194 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.5211% | 253 |
| Assets per employee ($millions) | 4.0738% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3986% | 4,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.5300% | 1,975 |
| Net loans and leases to deposits | 77.8337% | 1,965 |
| Net loans and leases to core deposits | 81.2588% | 2,052 |
| Total domestic deposits to total assets | 85.4800% | 2,862 |
| Equity capital to assets | 14.3488% | 540 |
| Core capital (leverage) ratio | 15.5142% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $49,475,400 | 4,445 |
| Average earning assets | $42,429,600 | 4,458 |
| Average equity | $7,524,400 | 4,145 |
| Average total loans | $34,034,400 | 4,167 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 948 |
| Cost of funding earning assets | 0.3611% | 1,609 |
| Net interest margin | 3.8059% | 943 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 3.2122% | 680 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.1070% | 4,538 |
| Return on assets (ROA) | 0.1070% | 4,510 |
| Pretax return on assets | 0.1070% | 4,514 |
| Return on Equity (ROE) | 0.6900% | 4,521 |
| Retained earnings to average equity (ytd only) | 0.6928% | 4,259 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.3583% | 208 |
| Assets per employee ($millions) | 3.7919% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3817% | 4,552 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 71.4800% | 1,343 |
| Net loans and leases to deposits | 84.5417% | 1,265 |
| Net loans and leases to core deposits | 88.5841% | 1,382 |
| Total domestic deposits to total assets | 84.5500% | 3,377 |
| Equity capital to assets | 15.2957% | 425 |
| Core capital (leverage) ratio | 13.6013% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $48,604,500 | 4,487 |
| Average earning assets | $40,987,500 | 4,503 |
| Average equity | $7,505,750 | 4,192 |
| Average total loans | $33,699,500 | 4,198 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 1,148 |
| Cost of funding earning assets | 0.2931% | 1,781 |
| Net interest margin | 3.5872% | 1,087 |
| Noninterest income to average assets | 0.1406% | 4,312 |
| Noninterest expense to average assets | 3.1546% | 676 |
| Loan and lease loss provision to assets | 0.0496% | 1,691 |
| Net operating income to assets | -0.0786% | 4,611 |
| Return on assets (ROA) | -0.0786% | 4,582 |
| Pretax return on assets | -0.0786% | 4,569 |
| Return on Equity (ROE) | -0.5070% | 4,571 |
| Retained earnings to average equity (ytd only) | -0.5070% | 4,237 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9259% | 181 |
| Assets per employee ($millions) | 4.7386% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3187% | 4,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.9600% | 1,208 |
| Net loans and leases to deposits | 81.8375% | 1,257 |
| Net loans and leases to core deposits | 83.8790% | 1,459 |
| Total domestic deposits to total assets | 86.7084% | 3,033 |
| Equity capital to assets | 13.1720% | 636 |
| Core capital (leverage) ratio | 14.8176% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,374,333 | 4,531 |
| Average earning assets | $40,254,333 | 4,563 |
| Average equity | $7,494,333 | 4,255 |
| Average total loans | $33,142,000 | 4,262 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 1,070 |
| Cost of funding earning assets | 0.2698% | 1,929 |
| Net interest margin | 3.5395% | 1,011 |
| Noninterest income to average assets | 0.1178% | 4,415 |
| Noninterest expense to average assets | 3.4081% | 467 |
| Loan and lease loss provision to assets | 0.0544% | 1,406 |
| Net operating income to assets | -0.3716% | 4,683 |
| Return on assets (ROA) | -0.3716% | 4,667 |
| Pretax return on assets | -0.3716% | 4,655 |
| Return on Equity (ROE) | -2.1877% | 4,642 |
| Retained earnings to average equity (ytd only) | -2.1877% | 4,260 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2639% | 130 |
| Assets per employee ($millions) | 4.2242% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3811% | 4,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 69.2033% | 1,094 |
| Net loans and leases to deposits | 82.5826% | 973 |
| Net loans and leases to core deposits | 85.2040% | 1,173 |
| Total domestic deposits to total assets | 83.7989% | 3,802 |
| Equity capital to assets | 16.0784% | 313 |
| Core capital (leverage) ratio | 16.4520% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,130,000 | 4,594 |
| Average earning assets | $37,067,000 | 4,623 |
| Average equity | $7,496,500 | 4,317 |
| Average total loans | $29,473,500 | 4,339 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4189% | 4,530 |
| Cost of funding earning assets | 0.3098% | 2,299 |
| Net interest margin | 2.1091% | 4,536 |
| Noninterest income to average assets | 0.1579% | 4,359 |
| Noninterest expense to average assets | 3.0118% | 959 |
| Loan and lease loss provision to assets | 0.3440% | 221 |
| Net operating income to assets | -1.3931% | 4,802 |
| Return on assets (ROA) | -1.3931% | 4,802 |
| Pretax return on assets | -1.3931% | 4,797 |
| Return on Equity (ROE) | -8.9389% | 4,801 |
| Retained earnings to average equity (ytd only) | -8.9389% | 4,756 |
| Net charge-offs to loans | 0.0320% | 1,597 |
| Credit loss provision to net charge-offs | 2,440.0000% | 272 |
| Earnings coverage of net charge-offs (x) | -74.4000% | 2,697 |
| Efficiency ratio | 153.4483% | 33 |
| Assets per employee ($millions) | 3.4828% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 4,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.5283% | 1,758 |
| Net loans and leases to deposits | 77.6141% | 1,430 |
| Net loans and leases to core deposits | 79.2283% | 1,659 |
| Total domestic deposits to total assets | 81.8515% | 3,993 |
| Equity capital to assets | 17.9978% | 257 |
| Core capital (leverage) ratio | 18.2648% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3081% | 475 |
| Memoranda: | ||
| Average total assets | $35,460,000 | 4,703 |
| Average earning assets | $30,344,200 | 4,715 |
| Average equity | $5,526,400 | 4,580 |
| Average total loans | $15,622,800 | 4,638 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9422% | 4,772 |
| Cost of funding earning assets | 0.2957% | 2,635 |
| Net interest margin | 1.6466% | 4,783 |
| Noninterest income to average assets | 0.1417% | 4,492 |
| Noninterest expense to average assets | 2.7944% | 1,354 |
| Loan and lease loss provision to assets | 0.0472% | 2,055 |
| Net operating income to assets | -1.2752% | 4,875 |
| Return on assets (ROA) | -1.2752% | 4,875 |
| Pretax return on assets | -1.2752% | 4,870 |
| Return on Equity (ROE) | -8.5925% | 4,872 |
| Retained earnings to average equity (ytd only) | -8.5925% | 4,833 |
| Net charge-offs to loans | 0.0516% | 1,149 |
| Credit loss provision to net charge-offs | 240.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | -62.4000% | 2,452 |
| Efficiency ratio | 178.3920% | 26 |
| Assets per employee ($millions) | 3.4654% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0415% | 4,859 |
| 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 | 44.2378% | 3,936 |
| Net loans and leases to deposits | 54.9409% | 3,658 |
| Net loans and leases to core deposits | 57.7223% | 3,649 |
| Total domestic deposits to total assets | 80.5189% | 4,163 |
| Equity capital to assets | 19.2634% | 220 |
| Core capital (leverage) ratio | 19.1794% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,876,500 | 4,787 |
| Average earning assets | $29,313,000 | 4,790 |
| Average equity | $5,027,500 | 4,698 |
| Average total loans | $12,910,500 | 4,756 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5804% | 4,562 |
| Cost of funding earning assets | 0.4807% | 1,316 |
| Net interest margin | 2.0997% | 4,654 |
| Noninterest income to average assets | 0.2896% | 3,688 |
| Noninterest expense to average assets | 3.9369% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -1.8175% | 4,918 |
| Return on assets (ROA) | -1.8175% | 4,919 |
| Pretax return on assets | -1.8175% | 4,919 |
| Return on Equity (ROE) | -13.8639% | 4,927 |
| Retained earnings to average equity (ytd only) | -13.8639% | 4,896 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.7558% | 26 |
| Assets per employee ($millions) | 2.9940% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 1,192 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 37.6308% | 4,400 |
| Net loans and leases to deposits | 47.7975% | 4,233 |
| Net loans and leases to core deposits | 50.9881% | 4,187 |
| Total domestic deposits to total assets | 78.7297% | 4,367 |
| Equity capital to assets | 20.8918% | 158 |
| Core capital (leverage) ratio | 21.1335% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,462,333 | 4,831 |
| Average earning assets | $28,290,333 | 4,826 |
| Average equity | $4,255,667 | 4,787 |
| Average total loans | $11,590,667 | 4,809 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5562% | 4,607 |
| Cost of funding earning assets | 0.5202% | 1,268 |
| Net interest margin | 2.0361% | 4,714 |
| Noninterest income to average assets | 0.3124% | 3,537 |
| Noninterest expense to average assets | 3.8009% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.7052% | 4,951 |
| Return on assets (ROA) | -1.7052% | 4,950 |
| Pretax return on assets | -1.7052% | 4,946 |
| Return on Equity (ROE) | -19.9202% | 4,960 |
| Retained earnings to average equity (ytd only) | -19.9202% | 4,918 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.3665% | 19 |
| Assets per employee ($millions) | 3.8881% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 675 |
| 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 | 32.7214% | 4,610 |
| Net loans and leases to deposits | 35.7185% | 4,685 |
| Net loans and leases to core deposits | 38.0742% | 4,672 |
| Total domestic deposits to total assets | 91.6091% | 221 |
| Equity capital to assets | 8.2463% | 4,329 |
| Core capital (leverage) ratio | 8.1602% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,729,500 | 4,868 |
| Average earning assets | $26,914,500 | 4,861 |
| Average equity | $2,630,500 | 4,909 |
| Average total loans | $10,525,000 | 4,854 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 4,305 |
| Cost of funding earning assets | 0.5205% | 2,813 |
| Net interest margin | 2.7970% | 4,271 |
| Noninterest income to average assets | 0.3427% | 3,415 |
| Noninterest expense to average assets | 5.4936% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -2.7383% | 4,974 |
| Return on assets (ROA) | -2.7383% | 4,974 |
| Pretax return on assets | -2.7383% | 4,976 |
| Return on Equity (ROE) | -26.0838% | 4,981 |
| Retained earnings to average equity (ytd only) | -26.0838% | 4,970 |
| Net charge-offs to loans | -0.1905% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.3781% | 20 |
| Assets per employee ($millions) | 3.3727% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 34.4864% | 4,629 |
| Net loans and leases to deposits | 37.9152% | 4,701 |
| Net loans and leases to core deposits | 39.8205% | 4,702 |
| Total domestic deposits to total assets | 90.9567% | 239 |
| Equity capital to assets | 8.8819% | 4,164 |
| Core capital (leverage) ratio | 9.0020% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,179,200 | 4,885 |
| Average earning assets | $25,169,600 | 4,880 |
| Average equity | $3,063,200 | 4,906 |
| Average total loans | $11,025,600 | 4,877 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 4,247 |
| Cost of funding earning assets | 0.5221% | 3,098 |
| Net interest margin | 2.9551% | 4,075 |
| Noninterest income to average assets | 0.2862% | 3,776 |
| Noninterest expense to average assets | 6.0467% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -3.2265% | 5,009 |
| Return on assets (ROA) | -3.2265% | 5,009 |
| Pretax return on assets | -3.2265% | 5,009 |
| Return on Equity (ROE) | -29.5397% | 5,015 |
| Retained earnings to average equity (ytd only) | -29.5397% | 5,004 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 214.4026% | 19 |
| Assets per employee ($millions) | 3.2807% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 33.5332% | 4,752 |
| Net loans and leases to deposits | 37.1325% | 4,807 |
| Net loans and leases to core deposits | 38.9911% | 4,806 |
| Total domestic deposits to total assets | 90.3068% | 328 |
| Equity capital to assets | 9.4696% | 3,703 |
| Core capital (leverage) ratio | 9.6040% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,885,500 | 4,915 |
| Average earning assets | $24,770,250 | 4,915 |
| Average equity | $3,155,000 | 4,931 |
| Average total loans | $11,114,500 | 4,907 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 3,868 |
| Cost of funding earning assets | 0.5246% | 3,387 |
| Net interest margin | 3.2707% | 3,461 |
| Noninterest income to average assets | 0.2720% | 3,848 |
| Noninterest expense to average assets | 6.9824% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -3.9272% | 5,042 |
| Return on assets (ROA) | -3.9272% | 5,042 |
| Pretax return on assets | -3.9272% | 5,038 |
| Return on Equity (ROE) | -34.3852% | 5,047 |
| Retained earnings to average equity (ytd only) | -34.3852% | 5,037 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 228.5388% | 16 |
| Assets per employee ($millions) | 3.2579% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 37.4987% | 4,687 |
| Net loans and leases to deposits | 41.7632% | 4,752 |
| Net loans and leases to core deposits | 43.8712% | 4,755 |
| Total domestic deposits to total assets | 89.7889% | 461 |
| Equity capital to assets | 9.9997% | 3,210 |
| Core capital (leverage) ratio | 10.0483% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,672,000 | 4,947 |
| Average earning assets | $24,398,667 | 4,949 |
| Average equity | $3,274,667 | 4,955 |
| Average total loans | $11,458,667 | 4,931 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 3,083 |
| Cost of funding earning assets | 0.5053% | 3,917 |
| Net interest margin | 3.7392% | 2,182 |
| Noninterest income to average assets | 0.3245% | 3,578 |
| Noninterest expense to average assets | 4.8399% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.3828% | 5,016 |
| Return on assets (ROA) | -1.3828% | 5,003 |
| Pretax return on assets | -1.3828% | 4,987 |
| Return on Equity (ROE) | -11.3755% | 5,008 |
| Retained earnings to average equity (ytd only) | -11.3755% | 4,808 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.0000% | 67 |
| Assets per employee ($millions) | 3.0694% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0018% | 420 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 41.7484% | 4,602 |
| Net loans and leases to deposits | 47.6945% | 4,671 |
| Net loans and leases to core deposits | 49.5149% | 4,689 |
| Total domestic deposits to total assets | 87.5330% | 1,311 |
| Equity capital to assets | 12.2968% | 1,859 |
| Core capital (leverage) ratio | 12.2142% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,347,500 | 4,990 |
| Average earning assets | $23,748,500 | 4,998 |
| Average equity | $3,446,000 | 4,986 |
| Average total loans | $11,600,000 | 4,970 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 3,546 |
| Cost of funding earning assets | 0.4590% | 4,240 |
| Net interest margin | 3.8387% | 2,373 |
| Noninterest income to average assets | -1.7788% | 5,175 |
| Noninterest expense to average assets | 4.6745% | 265 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -3.1956% | 5,148 |
| Return on assets (ROA) | -3.1956% | 5,150 |
| Pretax return on assets | -3.1956% | 5,150 |
| Return on Equity (ROE) | -24.4617% | 5,156 |
| Retained earnings to average equity (ytd only) | -24.4617% | 5,149 |
| Net charge-offs to loans | 0.3497% | 575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -21.0682% | 3,700 |
| Efficiency ratio | 316.0839% | 15 |
| Assets per employee ($millions) | 2.9070% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,033 |
| Loan loss allowance to noncurrent loans | 2,011.1111% | 311 |
| Noncurrent assets plus other real estate owned to assets | 1.9642% | 405 |
| Noncurrent loans to loans | 0.0784% | 4,211 |
| Net loans and leases to total assets | 38.8889% | 4,775 |
| Net loans and leases to deposits | 44.2882% | 4,822 |
| Net loans and leases to core deposits | 45.2381% | 4,846 |
| Total domestic deposits to total assets | 87.8087% | 1,224 |
| Equity capital to assets | 12.0227% | 2,123 |
| Core capital (leverage) ratio | 12.2593% | 1,623 |
| Tier 1 risk-based capital ratio | 23.8388% | 845 |
| Total risk-based capital ratio | 25.0733% | 832 |
| Memoranda: | ||
| Average total assets | $29,008,600 | 5,037 |
| Average earning assets | $24,617,400 | 5,045 |
| Average equity | $3,789,600 | 5,011 |
| Average total loans | $12,584,000 | 5,018 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 3,686 |
| Cost of funding earning assets | 0.4466% | 4,342 |
| Net interest margin | 3.8422% | 2,462 |
| Noninterest income to average assets | -2.4557% | 5,254 |
| Noninterest expense to average assets | 4.7044% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -3.8767% | 5,237 |
| Return on assets (ROA) | -3.8767% | 5,237 |
| Pretax return on assets | -3.8767% | 5,236 |
| Return on Equity (ROE) | -29.0939% | 5,239 |
| Retained earnings to average equity (ytd only) | -29.0939% | 5,226 |
| Net charge-offs to loans | 0.4563% | 371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -19.1575% | 3,438 |
| Efficiency ratio | 568.3333% | 8 |
| Assets per employee ($millions) | 2.8278% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,246 |
| Loan loss allowance to noncurrent loans | 2,011.1111% | 323 |
| Noncurrent assets plus other real estate owned to assets | 2.0192% | 432 |
| Noncurrent loans to loans | 0.0746% | 4,307 |
| Net loans and leases to total assets | 41.9973% | 4,751 |
| Net loans and leases to deposits | 48.2470% | 4,813 |
| Net loans and leases to core deposits | 48.8082% | 4,863 |
| Total domestic deposits to total assets | 87.0465% | 1,488 |
| Equity capital to assets | 12.6565% | 1,808 |
| Core capital (leverage) ratio | 12.7639% | 1,452 |
| Tier 1 risk-based capital ratio | 12.6569% | 4,055 |
| Total risk-based capital ratio | 13.2970% | 4,286 |
| Memoranda: | ||
| Average total assets | $28,993,250 | 5,111 |
| Average earning assets | $24,776,750 | 5,120 |
| Average equity | $3,863,250 | 5,075 |
| Average total loans | $12,858,500 | 5,089 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 4,011 |
| Cost of funding earning assets | 0.4006% | 4,505 |
| Net interest margin | 3.7630% | 2,709 |
| Noninterest income to average assets | -3.7630% | 5,302 |
| Noninterest expense to average assets | 4.5772% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -5.0630% | 5,288 |
| Return on assets (ROA) | -5.0630% | 5,288 |
| Pretax return on assets | -5.0630% | 5,288 |
| Return on Equity (ROE) | -37.3926% | 5,292 |
| Retained earnings to average equity (ytd only) | -37.3926% | 5,281 |
| Net charge-offs to loans | 0.6704% | 227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -16.8182% | 3,155 |
| Efficiency ratio | -942.2535% | 5,303 |
| Assets per employee ($millions) | 2.8322% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,437 |
| Loan loss allowance to noncurrent loans | 108.3832% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 2.2562% | 362 |
| Noncurrent loans to loans | 1.3344% | 1,169 |
| Net loans and leases to total assets | 43.5492% | 4,740 |
| Net loans and leases to deposits | 50.2137% | 4,797 |
| Net loans and leases to core deposits | 50.7969% | 4,850 |
| Total domestic deposits to total assets | 86.7276% | 1,715 |
| Equity capital to assets | 12.9970% | 1,588 |
| Core capital (leverage) ratio | 12.8795% | 1,364 |
| Tier 1 risk-based capital ratio | 22.8582% | 959 |
| Total risk-based capital ratio | 23.9819% | 951 |
| Memoranda: | ||
| Average total assets | $29,231,670 | 5,152 |
| Average earning assets | $25,458,670 | 5,160 |
| Average equity | $3,958,000 | 5,110 |
| Average total loans | $13,125,670 | 5,125 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 4,266 |
| Cost of funding earning assets | 0.3804% | 4,573 |
| Net interest margin | 3.6673% | 3,016 |
| Noninterest income to average assets | -7.7342% | 5,362 |
| Noninterest expense to average assets | 4.1905% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -8.6773% | 5,357 |
| Return on assets (ROA) | -8.6773% | 5,357 |
| Pretax return on assets | -8.6773% | 5,356 |
| Return on Equity (ROE) | -62.8829% | 5,353 |
| Retained earnings to average equity (ytd only) | -62.8829% | 5,340 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -93.3934% | 5,361 |
| Assets per employee ($millions) | 2.8867% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 980 |
| Loan loss allowance to noncurrent loans | 23.6842% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 4.7009% | 73 |
| Noncurrent loans to loans | 6.9379% | 53 |
| Net loans and leases to total assets | 46.6554% | 4,640 |
| Net loans and leases to deposits | 53.8483% | 4,681 |
| Net loans and leases to core deposits | 54.4602% | 4,768 |
| Total domestic deposits to total assets | 86.6422% | 1,988 |
| Equity capital to assets | 13.0772% | 1,409 |
| Core capital (leverage) ratio | 12.6877% | 1,408 |
| Tier 1 risk-based capital ratio | 23.5797% | 876 |
| Total risk-based capital ratio | 24.8283% | 856 |
| Memoranda: | ||
| Average total assets | $29,686,500 | 5,203 |
| Average earning assets | $26,286,500 | 5,205 |
| Average equity | $4,096,500 | 5,138 |
| Average total loans | $13,821,500 | 5,169 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 3,103 |
| Cost of funding earning assets | 0.3367% | 4,368 |
| Net interest margin | 3.9667% | 2,102 |
| Noninterest income to average assets | 0.2985% | 4,111 |
| Noninterest expense to average assets | 3.9379% | 584 |
| Loan and lease loss provision to assets | 0.1669% | 1,211 |
| Net operating income to assets | -0.3274% | 5,299 |
| Return on assets (ROA) | -0.3274% | 5,294 |
| Pretax return on assets | -0.3274% | 5,290 |
| Return on Equity (ROE) | -2.2618% | 5,275 |
| Retained earnings to average equity (ytd only) | -2.2618% | 5,139 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2481% | 111 |
| Assets per employee ($millions) | 3.0506% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,001 |
| Loan loss allowance to noncurrent loans | 23.5849% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 6.3987% | 44 |
| Noncurrent loans to loans | 6.8387% | 56 |
| Net loans and leases to total assets | 44.9911% | 4,782 |
| Net loans and leases to deposits | 52.8128% | 4,794 |
| Net loans and leases to core deposits | 53.3881% | 4,866 |
| Total domestic deposits to total assets | 85.1898% | 2,563 |
| Equity capital to assets | 14.4824% | 844 |
| Core capital (leverage) ratio | 14.2356% | 860 |
| Tier 1 risk-based capital ratio | 25.7677% | 687 |
| Total risk-based capital ratio | 27.0206% | 670 |
| Memoranda: | ||
| Average total assets | $31,158,600 | 5,224 |
| Average earning assets | $27,327,200 | 5,233 |
| Average equity | $4,509,600 | 5,108 |
| Average total loans | $14,524,600 | 5,204 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,702 |
| Cost of funding earning assets | 0.3255% | 4,345 |
| Net interest margin | 4.0515% | 1,785 |
| Noninterest income to average assets | 0.3022% | 4,130 |
| Noninterest expense to average assets | 4.1546% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.3022% | 5,365 |
| Return on assets (ROA) | -0.3022% | 5,363 |
| Pretax return on assets | -0.3022% | 5,357 |
| Return on Equity (ROE) | -2.0885% | 5,355 |
| Retained earnings to average equity (ytd only) | -2.0885% | 5,206 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8453% | 94 |
| Assets per employee ($millions) | 3.5106% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,202 |
| Loan loss allowance to noncurrent loans | 18.2875% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 6.1529% | 52 |
| Noncurrent loans to loans | 6.9908% | 58 |
| Net loans and leases to total assets | 42.2820% | 4,947 |
| Net loans and leases to deposits | 49.4503% | 4,967 |
| Net loans and leases to core deposits | 49.9663% | 5,023 |
| Total domestic deposits to total assets | 85.5040% | 2,395 |
| Equity capital to assets | 14.0845% | 934 |
| Core capital (leverage) ratio | 13.9584% | 946 |
| Tier 1 risk-based capital ratio | 24.0430% | 841 |
| Total risk-based capital ratio | 24.9771% | 852 |
| Memoranda: | ||
| Average total assets | $31,321,750 | 5,292 |
| Average earning assets | $27,445,750 | 5,301 |
| Average equity | $4,532,500 | 5,170 |
| Average total loans | $14,668,250 | 5,265 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 1,714 |
| Cost of funding earning assets | 0.3219% | 4,259 |
| Net interest margin | 4.3012% | 1,032 |
| Noninterest income to average assets | 0.3074% | 4,114 |
| Noninterest expense to average assets | 3.8040% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2690% | 5,162 |
| Return on assets (ROA) | 0.2690% | 5,156 |
| Pretax return on assets | 0.2690% | 5,188 |
| Return on Equity (ROE) | 1.8421% | 5,192 |
| Retained earnings to average equity (ytd only) | 1.8421% | 4,504 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3962% | 274 |
| Assets per employee ($millions) | 4.0549% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,738 |
| Loan loss allowance to noncurrent loans | 18.2297% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 6.0760% | 58 |
| Noncurrent loans to loans | 6.5647% | 71 |
| Net loans and leases to total assets | 44.0303% | 4,899 |
| Net loans and leases to deposits | 51.5093% | 4,928 |
| Net loans and leases to core deposits | 52.0309% | 4,993 |
| Total domestic deposits to total assets | 85.4804% | 2,506 |
| Equity capital to assets | 14.0695% | 914 |
| Core capital (leverage) ratio | 14.0657% | 896 |
| Tier 1 risk-based capital ratio | 23.7432% | 860 |
| Total risk-based capital ratio | 24.6426% | 875 |
| Memoranda: | ||
| Average total assets | $31,230,670 | 5,358 |
| Average earning assets | $27,341,330 | 5,365 |
| Average equity | $4,560,000 | 5,226 |
| Average total loans | $15,047,000 | 5,316 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 247 |
| Cost of funding earning assets | 0.3135% | 4,241 |
| Net interest margin | 5.2548% | 151 |
| Noninterest income to average assets | 0.3265% | 3,970 |
| Noninterest expense to average assets | 4.0488% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8751% | 3,391 |
| Return on assets (ROA) | 0.8751% | 3,408 |
| Pretax return on assets | 0.8751% | 3,930 |
| Return on Equity (ROE) | 5.8798% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.8798% | 2,764 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2281% | 926 |
| Assets per employee ($millions) | 3.9223% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,070 |
| Loan loss allowance to noncurrent loans | 9.9885% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 8.7769% | 29 |
| Noncurrent loans to loans | 11.5567% | 19 |
| Net loans and leases to total assets | 47.2114% | 4,740 |
| Net loans and leases to deposits | 55.5664% | 4,718 |
| Net loans and leases to core deposits | 56.7000% | 4,809 |
| Total domestic deposits to total assets | 84.9640% | 2,942 |
| Equity capital to assets | 14.6313% | 747 |
| Core capital (leverage) ratio | 15.1616% | 623 |
| Tier 1 risk-based capital ratio | 25.4984% | 723 |
| Total risk-based capital ratio | 26.4590% | 724 |
| Memoranda: | ||
| Average total assets | $30,626,500 | 5,425 |
| Average earning assets | $26,794,500 | 5,433 |
| Average equity | $4,558,000 | 5,282 |
| Average total loans | $15,342,500 | 5,372 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,147 |
| Cost of funding earning assets | 0.2596% | 4,483 |
| Net interest margin | 3.5103% | 3,488 |
| Noninterest income to average assets | 0.2052% | 4,914 |
| Noninterest expense to average assets | 3.9286% | 594 |
| Loan and lease loss provision to assets | 0.5442% | 239 |
| Net operating income to assets | -1.1717% | 5,606 |
| Return on assets (ROA) | -1.1479% | 5,603 |
| Pretax return on assets | -1.1479% | 5,610 |
| Return on Equity (ROE) | -8.1280% | 5,578 |
| Retained earnings to average equity (ytd only) | -8.1280% | 5,506 |
| Net charge-offs to loans | 1.2622% | 130 |
| Credit loss provision to net charge-offs | 83.9450% | 2,885 |
| Earnings coverage of net charge-offs (x) | -0.9679% | 4,043 |
| Efficiency ratio | 119.0090% | 69 |
| Assets per employee ($millions) | 2.9875% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,345 |
| Loan loss allowance to noncurrent loans | 12.9491% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 8.0067% | 35 |
| Noncurrent loans to loans | 8.5106% | 38 |
| Net loans and leases to total assets | 51.9665% | 4,515 |
| Net loans and leases to deposits | 61.4998% | 4,485 |
| Net loans and leases to core deposits | 62.8136% | 4,609 |
| Total domestic deposits to total assets | 84.4987% | 3,037 |
| Equity capital to assets | 15.1464% | 650 |
| Core capital (leverage) ratio | 14.6835% | 684 |
| Tier 1 risk-based capital ratio | 24.0408% | 812 |
| Total risk-based capital ratio | 24.9601% | 828 |
| Memoranda: | ||
| Average total assets | $33,625,200 | 5,436 |
| Average earning assets | $29,655,400 | 5,445 |
| Average equity | $4,749,000 | 5,314 |
| Average total loans | $17,271,200 | 5,378 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 4,004 |
| Cost of funding earning assets | 0.2529% | 4,544 |
| Net interest margin | 3.5500% | 3,320 |
| Noninterest income to average assets | 0.2122% | 4,948 |
| Noninterest expense to average assets | 3.7573% | 715 |
| Loan and lease loss provision to assets | 0.7059% | 159 |
| Net operating income to assets | -1.1110% | 5,676 |
| Return on assets (ROA) | -1.1110% | 5,676 |
| Pretax return on assets | -1.1110% | 5,667 |
| Return on Equity (ROE) | -7.9915% | 5,659 |
| Retained earnings to average equity (ytd only) | -7.9915% | 5,594 |
| Net charge-offs to loans | 1.6454% | 92 |
| Credit loss provision to net charge-offs | 83.9450% | 2,529 |
| Earnings coverage of net charge-offs (x) | -0.4817% | 3,712 |
| Efficiency ratio | 112.0829% | 86 |
| Assets per employee ($millions) | 4.4674% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,627 |
| Loan loss allowance to noncurrent loans | 12.9008% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 7.7641% | 39 |
| Noncurrent loans to loans | 8.3411% | 41 |
| Net loans and leases to total assets | 50.8570% | 4,653 |
| Net loans and leases to deposits | 59.9337% | 4,643 |
| Net loans and leases to core deposits | 60.5613% | 4,789 |
| Total domestic deposits to total assets | 84.8555% | 2,776 |
| Equity capital to assets | 14.8056% | 780 |
| Core capital (leverage) ratio | 14.4595% | 777 |
| Tier 1 risk-based capital ratio | 24.1347% | 836 |
| Total risk-based capital ratio | 25.0378% | 853 |
| Memoranda: | ||
| Average total assets | $34,562,750 | 5,481 |
| Average earning assets | $30,571,750 | 5,492 |
| Average equity | $4,805,000 | 5,362 |
| Average total loans | $17,664,500 | 5,428 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,888 |
| Cost of funding earning assets | 0.2589% | 4,471 |
| Net interest margin | 3.5425% | 3,247 |
| Noninterest income to average assets | 0.2075% | 5,007 |
| Noninterest expense to average assets | 4.0606% | 494 |
| Loan and lease loss provision to assets | 0.0224% | 3,539 |
| Net operating income to assets | -0.7291% | 5,702 |
| Return on assets (ROA) | -0.7291% | 5,700 |
| Pretax return on assets | -0.7291% | 5,695 |
| Return on Equity (ROE) | -5.3461% | 5,688 |
| Retained earnings to average equity (ytd only) | -5.3461% | 5,546 |
| Net charge-offs to loans | 0.0440% | 2,321 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | -31.5000% | 3,501 |
| Efficiency ratio | 121.0702% | 61 |
| Assets per employee ($millions) | 4.1229% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,346 |
| Loan loss allowance to noncurrent loans | 20.1355% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 6.4276% | 64 |
| Noncurrent loans to loans | 5.6849% | 111 |
| Net loans and leases to total assets | 54.4614% | 4,354 |
| Net loans and leases to deposits | 63.9389% | 4,370 |
| Net loans and leases to core deposits | 65.1660% | 4,529 |
| Total domestic deposits to total assets | 85.1772% | 2,741 |
| Equity capital to assets | 14.5226% | 818 |
| Core capital (leverage) ratio | 13.5657% | 977 |
| Tier 1 risk-based capital ratio | 22.1071% | 1,039 |
| Total risk-based capital ratio | 23.0691% | 1,055 |
| Memoranda: | ||
| Average total assets | $35,659,670 | 5,509 |
| Average earning assets | $31,672,670 | 5,516 |
| Average equity | $4,863,330 | 5,390 |
| Average total loans | $18,193,670 | 5,456 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 4,554 |
| Cost of funding earning assets | 0.2665% | 4,393 |
| Net interest margin | 3.2831% | 4,070 |
| Noninterest income to average assets | 0.2054% | 5,045 |
| Noninterest expense to average assets | 4.0543% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.9190% | 5,781 |
| Return on assets (ROA) | -0.9190% | 5,780 |
| Pretax return on assets | -0.9190% | 5,768 |
| Return on Equity (ROE) | -6.9388% | 5,760 |
| Retained earnings to average equity (ytd only) | -6.9388% | 5,488 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.3103% | 55 |
| Assets per employee ($millions) | 3.7013% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,404 |
| Loan loss allowance to noncurrent loans | 13.8023% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 7.0083% | 61 |
| Noncurrent loans to loans | 8.3467% | 55 |
| Net loans and leases to total assets | 48.2182% | 4,804 |
| Net loans and leases to deposits | 55.6640% | 4,839 |
| Net loans and leases to core deposits | 56.5943% | 4,945 |
| Total domestic deposits to total assets | 86.6236% | 2,387 |
| Equity capital to assets | 13.1116% | 1,216 |
| Core capital (leverage) ratio | 13.0631% | 1,121 |
| Tier 1 risk-based capital ratio | 21.9010% | 1,095 |
| Total risk-based capital ratio | 22.8451% | 1,115 |
| Memoranda: | ||
| Average total assets | $36,998,000 | 5,542 |
| Average earning assets | $33,017,500 | 5,552 |
| Average equity | $4,900,000 | 5,432 |
| Average total loans | $18,205,000 | 5,515 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 3,888 |
| Cost of funding earning assets | 0.2459% | 4,602 |
| Net interest margin | 3.5612% | 3,215 |
| Noninterest income to average assets | 0.2995% | 4,593 |
| Noninterest expense to average assets | 3.1990% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2862% | 5,249 |
| Return on assets (ROA) | 0.2862% | 5,318 |
| Pretax return on assets | 0.2862% | 5,380 |
| Return on Equity (ROE) | 2.1590% | 5,368 |
| Retained earnings to average equity (ytd only) | 0.3398% | 5,186 |
| Net charge-offs to loans | -0.0104% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7871% | 468 |
| Assets per employee ($millions) | 3.3621% | 4,956 |
| Cash dividends to net income (ytd only)* | 84.2593% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,528 |
| Loan loss allowance to noncurrent loans | 14.1208% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 6.9221% | 67 |
| Noncurrent loans to loans | 8.0251% | 54 |
| Net loans and leases to total assets | 49.0685% | 4,830 |
| Net loans and leases to deposits | 56.9139% | 4,861 |
| Net loans and leases to core deposits | 57.8612% | 4,974 |
| Total domestic deposits to total assets | 86.2153% | 2,489 |
| Equity capital to assets | 13.3764% | 1,100 |
| Core capital (leverage) ratio | 13.1865% | 1,065 |
| Tier 1 risk-based capital ratio | 21.7266% | 1,117 |
| Total risk-based capital ratio | 22.6470% | 1,134 |
| Memoranda: | ||
| Average total assets | $37,730,000 | 5,577 |
| Average earning assets | $33,752,400 | 5,593 |
| Average equity | $5,002,400 | 5,468 |
| Average total loans | $19,230,000 | 5,542 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 3,842 |
| Cost of funding earning assets | 0.2434% | 4,665 |
| Net interest margin | 3.5842% | 3,140 |
| Noninterest income to average assets | 0.3094% | 4,559 |
| Noninterest expense to average assets | 3.2034% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3165% | 5,251 |
| Return on assets (ROA) | 0.3165% | 5,332 |
| Pretax return on assets | 0.3165% | 5,438 |
| Return on Equity (ROE) | 2.3922% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.5948% | 4,873 |
| Net charge-offs to loans | -0.0137% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0090% | 510 |
| Assets per employee ($millions) | 3.3529% | 4,972 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,779 |
| Loan loss allowance to noncurrent loans | 14.1017% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 6.9953% | 74 |
| Noncurrent loans to loans | 7.8654% | 64 |
| Net loans and leases to total assets | 50.2820% | 4,800 |
| Net loans and leases to deposits | 58.4610% | 4,852 |
| Net loans and leases to core deposits | 58.9647% | 4,999 |
| Total domestic deposits to total assets | 86.0094% | 2,346 |
| Equity capital to assets | 13.6137% | 1,194 |
| Core capital (leverage) ratio | 13.2753% | 1,081 |
| Tier 1 risk-based capital ratio | 21.3943% | 1,208 |
| Total risk-based capital ratio | 22.2928% | 1,243 |
| Memoranda: | ||
| Average total assets | $37,916,750 | 5,634 |
| Average earning assets | $33,962,500 | 5,644 |
| Average equity | $5,016,250 | 5,524 |
| Average total loans | $19,448,750 | 5,589 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 3,723 |
| Cost of funding earning assets | 0.2568% | 4,584 |
| Net interest margin | 3.6070% | 3,075 |
| Noninterest income to average assets | 0.3084% | 4,574 |
| Noninterest expense to average assets | 3.1468% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3920% | 5,059 |
| Return on assets (ROA) | 0.3920% | 5,140 |
| Pretax return on assets | 0.3920% | 5,356 |
| Return on Equity (ROE) | 2.9912% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.7947% | 4,656 |
| Net charge-offs to loans | -0.0203% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9217% | 663 |
| Assets per employee ($millions) | 3.4326% | 4,863 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,964 |
| Loan loss allowance to noncurrent loans | 14.2466% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 6.7931% | 85 |
| Noncurrent loans to loans | 7.6943% | 78 |
| Net loans and leases to total assets | 49.7021% | 4,860 |
| Net loans and leases to deposits | 57.6046% | 4,924 |
| Net loans and leases to core deposits | 58.5170% | 5,047 |
| Total domestic deposits to total assets | 86.2814% | 2,281 |
| Equity capital to assets | 13.3293% | 1,318 |
| Core capital (leverage) ratio | 12.9020% | 1,191 |
| Tier 1 risk-based capital ratio | 21.2570% | 1,233 |
| Total risk-based capital ratio | 22.1524% | 1,266 |
| Memoranda: | ||
| Average total assets | $38,261,670 | 5,693 |
| Average earning assets | $34,266,330 | 5,703 |
| Average equity | $5,014,670 | 5,582 |
| Average total loans | $19,680,670 | 5,646 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 3,817 |
| Cost of funding earning assets | 0.2551% | 4,649 |
| Net interest margin | 3.5826% | 3,152 |
| Noninterest income to average assets | 0.3116% | 4,507 |
| Noninterest expense to average assets | 3.0639% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4570% | 4,803 |
| Return on assets (ROA) | 0.4570% | 4,885 |
| Pretax return on assets | 0.4570% | 5,196 |
| Return on Equity (ROE) | 3.5161% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.1188% | 4,794 |
| Net charge-offs to loans | -0.0399% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0206% | 889 |
| Assets per employee ($millions) | 3.8766% | 4,167 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,338 |
| Loan loss allowance to noncurrent loans | 14.2368% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 6.6192% | 100 |
| Noncurrent loans to loans | 7.3699% | 86 |
| Net loans and leases to total assets | 50.6010% | 4,749 |
| Net loans and leases to deposits | 58.3566% | 4,831 |
| Net loans and leases to core deposits | 59.2485% | 4,986 |
| Total domestic deposits to total assets | 86.7100% | 2,353 |
| Equity capital to assets | 12.9340% | 1,441 |
| Core capital (leverage) ratio | 12.8408% | 1,222 |
| Tier 1 risk-based capital ratio | 21.5474% | 1,226 |
| Total risk-based capital ratio | 22.4608% | 1,252 |
| Memoranda: | ||
| Average total assets | $38,513,000 | 5,747 |
| Average earning assets | $34,500,000 | 5,751 |
| Average equity | $5,005,500 | 5,624 |
| Average total loans | $20,033,500 | 5,681 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 4,266 |
| Cost of funding earning assets | 0.2775% | 4,506 |
| Net interest margin | 3.4544% | 3,700 |
| Noninterest income to average assets | 0.2892% | 4,818 |
| Noninterest expense to average assets | 3.0873% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2968% | 5,371 |
| Return on assets (ROA) | 0.2993% | 5,443 |
| Pretax return on assets | 0.2993% | 5,519 |
| Return on Equity (ROE) | 2.3677% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.7657% | 4,725 |
| Net charge-offs to loans | -0.0049% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2294% | 617 |
| Assets per employee ($millions) | 3.4782% | 4,863 |
| Cash dividends to net income (ytd only)* | 25.4237% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,498 |
| Loan loss allowance to noncurrent loans | 16.8026% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 6.0925% | 132 |
| Noncurrent loans to loans | 6.0564% | 140 |
| Net loans and leases to total assets | 52.3706% | 4,660 |
| Net loans and leases to deposits | 60.4672% | 4,738 |
| Net loans and leases to core deposits | 61.4010% | 4,903 |
| Total domestic deposits to total assets | 86.6100% | 2,319 |
| Equity capital to assets | 13.0606% | 1,318 |
| Core capital (leverage) ratio | 12.3707% | 1,415 |
| Tier 1 risk-based capital ratio | 20.7771% | 1,334 |
| Total risk-based capital ratio | 21.6518% | 1,385 |
| Memoranda: | ||
| Average total assets | $39,419,200 | 5,776 |
| Average earning assets | $35,317,000 | 5,779 |
| Average equity | $4,983,800 | 5,659 |
| Average total loans | $20,322,200 | 5,707 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 4,471 |
| Cost of funding earning assets | 0.2809% | 4,547 |
| Net interest margin | 3.4007% | 3,957 |
| Noninterest income to average assets | 0.2955% | 4,826 |
| Noninterest expense to average assets | 3.0589% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2854% | 5,499 |
| Return on assets (ROA) | 0.2888% | 5,559 |
| Pretax return on assets | 0.2888% | 5,658 |
| Return on Equity (ROE) | 2.3022% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.4990% | 5,118 |
| Net charge-offs to loans | -0.0065% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4659% | 598 |
| Assets per employee ($millions) | 3.6480% | 4,523 |
| Cash dividends to net income (ytd only)* | 34.8857% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,708 |
| Loan loss allowance to noncurrent loans | 16.9130% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.7890% | 147 |
| Noncurrent loans to loans | 5.9548% | 141 |
| Net loans and leases to total assets | 50.4585% | 4,897 |
| Net loans and leases to deposits | 57.8928% | 5,010 |
| Net loans and leases to core deposits | 59.6196% | 5,092 |
| Total domestic deposits to total assets | 87.1586% | 1,955 |
| Equity capital to assets | 12.4826% | 1,751 |
| Core capital (leverage) ratio | 11.9768% | 1,686 |
| Tier 1 risk-based capital ratio | 20.3875% | 1,458 |
| Total risk-based capital ratio | 21.2513% | 1,511 |
| Memoranda: | ||
| Average total assets | $39,709,000 | 5,845 |
| Average earning assets | $35,600,000 | 5,851 |
| Average equity | $4,980,500 | 5,728 |
| Average total loans | $20,342,000 | 5,777 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,438 |
| Cost of funding earning assets | 0.2877% | 4,529 |
| Net interest margin | 3.4014% | 3,905 |
| Noninterest income to average assets | 0.2982% | 4,825 |
| Noninterest expense to average assets | 3.0883% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2578% | 5,556 |
| Return on assets (ROA) | 0.2578% | 5,639 |
| Pretax return on assets | 0.2578% | 5,728 |
| Return on Equity (ROE) | 2.0519% | 5,666 |
| Retained earnings to average equity (ytd only) | 0.8449% | 5,226 |
| Net charge-offs to loans | -0.0295% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2961% | 624 |
| Assets per employee ($millions) | 3.6592% | 4,517 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,755 |
| Loan loss allowance to noncurrent loans | 54.5932% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.6918% | 377 |
| Noncurrent loans to loans | 1.8732% | 1,346 |
| Net loans and leases to total assets | 50.0161% | 4,930 |
| Net loans and leases to deposits | 57.2827% | 5,042 |
| Net loans and leases to core deposits | 58.5369% | 5,158 |
| Total domestic deposits to total assets | 87.3146% | 2,002 |
| Equity capital to assets | 12.3599% | 1,761 |
| Core capital (leverage) ratio | 11.8868% | 1,722 |
| Tier 1 risk-based capital ratio | 20.7247% | 1,420 |
| Total risk-based capital ratio | 21.6178% | 1,447 |
| Memoranda: | ||
| Average total assets | $39,569,330 | 5,910 |
| Average earning assets | $35,456,330 | 5,920 |
| Average equity | $4,971,000 | 5,786 |
| Average total loans | $20,304,670 | 5,834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 4,394 |
| Cost of funding earning assets | 0.2953% | 4,491 |
| Net interest margin | 3.3962% | 3,858 |
| Noninterest income to average assets | 0.3365% | 4,500 |
| Noninterest expense to average assets | 3.1814% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2039% | 5,676 |
| Return on assets (ROA) | 0.2039% | 5,766 |
| Pretax return on assets | 0.2039% | 5,822 |
| Return on Equity (ROE) | 1.6100% | 5,776 |
| Retained earnings to average equity (ytd only) | -0.8050% | 5,517 |
| Net charge-offs to loans | -0.0592% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9759% | 596 |
| Assets per employee ($millions) | 3.6990% | 4,519 |
| Cash dividends to net income (ytd only)* | 150.0000% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,847 |
| Loan loss allowance to noncurrent loans | 54.3081% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 3.6570% | 438 |
| Noncurrent loans to loans | 1.9034% | 1,415 |
| Net loans and leases to total assets | 48.9420% | 4,945 |
| Net loans and leases to deposits | 55.9539% | 5,054 |
| Net loans and leases to core deposits | 56.7512% | 5,201 |
| Total domestic deposits to total assets | 87.4684% | 2,129 |
| Equity capital to assets | 12.2220% | 1,876 |
| Core capital (leverage) ratio | 12.3611% | 1,422 |
| Tier 1 risk-based capital ratio | 20.4094% | 1,535 |
| Total risk-based capital ratio | 21.2945% | 1,571 |
| Memoranda: | ||
| Average total assets | $39,228,500 | 5,977 |
| Average earning assets | $35,216,000 | 5,981 |
| Average equity | $4,969,000 | 5,842 |
| Average total loans | $20,287,000 | 5,884 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 4,352 |
| Cost of funding earning assets | 0.3127% | 4,654 |
| Net interest margin | 3.5266% | 3,696 |
| Noninterest income to average assets | 0.3789% | 4,352 |
| Noninterest expense to average assets | 3.1402% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4017% | 5,218 |
| Return on assets (ROA) | 0.4017% | 5,282 |
| Pretax return on assets | 0.4017% | 5,485 |
| Return on Equity (ROE) | 3.2649% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.3963% | 5,144 |
| Net charge-offs to loans | 0.0239% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 31.8000% | 1,277 |
| Efficiency ratio | 88.6591% | 939 |
| Assets per employee ($millions) | 3.4335% | 5,004 |
| Cash dividends to net income (ytd only)* | 57.2327% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,043 |
| Loan loss allowance to noncurrent loans | 53.5248% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.9398% | 431 |
| Noncurrent loans to loans | 1.8727% | 1,512 |
| Net loans and leases to total assets | 53.6089% | 4,621 |
| Net loans and leases to deposits | 61.9515% | 4,730 |
| Net loans and leases to core deposits | 61.9515% | 5,000 |
| Total domestic deposits to total assets | 86.5336% | 2,553 |
| Equity capital to assets | 13.1460% | 1,295 |
| Core capital (leverage) ratio | 12.5693% | 1,324 |
| Tier 1 risk-based capital ratio | 19.6782% | 1,666 |
| Total risk-based capital ratio | 20.5175% | 1,745 |
| Memoranda: | ||
| Average total assets | $39,583,800 | 6,045 |
| Average earning assets | $35,501,400 | 6,048 |
| Average equity | $4,870,000 | 5,890 |
| Average total loans | $20,942,200 | 5,923 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 4,532 |
| Cost of funding earning assets | 0.3120% | 4,760 |
| Net interest margin | 3.4916% | 3,868 |
| Noninterest income to average assets | 0.3830% | 4,374 |
| Noninterest expense to average assets | 3.1769% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3363% | 5,467 |
| Return on assets (ROA) | 0.3363% | 5,542 |
| Pretax return on assets | 0.3363% | 5,703 |
| Return on Equity (ROE) | 2.7786% | 5,626 |
| Retained earnings to average equity (ytd only) | 0.2751% | 5,722 |
| Net charge-offs to loans | 0.0443% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.4330% | 2,144 |
| Efficiency ratio | 90.4265% | 818 |
| Assets per employee ($millions) | 3.5629% | 4,749 |
| Cash dividends to net income (ytd only)* | 90.1010% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 5,335 |
| Loan loss allowance to noncurrent loans | 52.8646% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 3.7992% | 539 |
| Noncurrent loans to loans | 1.8388% | 1,742 |
| Net loans and leases to total assets | 52.7659% | 4,726 |
| Net loans and leases to deposits | 60.5369% | 4,897 |
| Net loans and leases to core deposits | 60.5369% | 5,156 |
| Total domestic deposits to total assets | 87.1632% | 2,230 |
| Equity capital to assets | 12.4949% | 1,705 |
| Core capital (leverage) ratio | 11.7458% | 1,866 |
| Tier 1 risk-based capital ratio | 19.1159% | 1,877 |
| Total risk-based capital ratio | 19.9332% | 1,961 |
| Memoranda: | ||
| Average total assets | $40,037,750 | 6,114 |
| Average earning assets | $35,895,000 | 6,117 |
| Average equity | $4,846,250 | 5,956 |
| Average total loans | $21,064,750 | 5,978 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,720 |
| Cost of funding earning assets | 0.3101% | 4,876 |
| Net interest margin | 3.4335% | 4,046 |
| Noninterest income to average assets | 0.3819% | 4,389 |
| Noninterest expense to average assets | 3.2094% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2480% | 5,721 |
| Return on assets (ROA) | 0.2480% | 5,794 |
| Pretax return on assets | 0.2480% | 5,875 |
| Return on Equity (ROE) | 2.0707% | 5,822 |
| Retained earnings to average equity (ytd only) | -1.6980% | 5,948 |
| Net charge-offs to loans | 0.0663% | 3,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,676 |
| Efficiency ratio | 92.8264% | 708 |
| Assets per employee ($millions) | 4.0689% | 3,698 |
| Cash dividends to net income (ytd only)* | 182.0000% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 5,477 |
| Loan loss allowance to noncurrent loans | 52.7273% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.6644% | 619 |
| Noncurrent loans to loans | 1.8437% | 1,862 |
| Net loans and leases to total assets | 50.8221% | 4,874 |
| Net loans and leases to deposits | 57.9309% | 5,048 |
| Net loans and leases to core deposits | 57.9309% | 5,277 |
| Total domestic deposits to total assets | 87.7289% | 2,072 |
| Equity capital to assets | 11.9443% | 2,025 |
| Core capital (leverage) ratio | 11.5978% | 1,921 |
| Tier 1 risk-based capital ratio | 18.7363% | 1,993 |
| Total risk-based capital ratio | 19.5461% | 2,101 |
| Memoranda: | ||
| Average total assets | $40,319,670 | 6,164 |
| Average earning assets | $36,114,670 | 6,165 |
| Average equity | $4,829,330 | 5,998 |
| Average total loans | $21,125,330 | 6,027 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,808 |
| Cost of funding earning assets | 0.3000% | 5,066 |
| Net interest margin | 3.4114% | 4,069 |
| Noninterest income to average assets | 0.3987% | 4,200 |
| Noninterest expense to average assets | 3.1793% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2791% | 5,566 |
| Return on assets (ROA) | 0.2791% | 5,612 |
| Pretax return on assets | 0.2791% | 5,765 |
| Return on Equity (ROE) | 2.3265% | 5,698 |
| Retained earnings to average equity (ytd only) | -5.2347% | 6,135 |
| Net charge-offs to loans | -0.0188% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9308% | 886 |
| Assets per employee ($millions) | 4.0397% | 3,853 |
| Cash dividends to net income (ytd only)* | 325.0000% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,522 |
| Loan loss allowance to noncurrent loans | 55.6728% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 3.6735% | 689 |
| Noncurrent loans to loans | 1.7968% | 2,145 |
| Net loans and leases to total assets | 51.6920% | 4,704 |
| Net loans and leases to deposits | 58.8524% | 4,857 |
| Net loans and leases to core deposits | 58.8524% | 5,139 |
| Total domestic deposits to total assets | 87.8333% | 2,322 |
| Equity capital to assets | 11.8573% | 1,976 |
| Core capital (leverage) ratio | 11.6151% | 1,889 |
| Tier 1 risk-based capital ratio | 18.4267% | 2,143 |
| Total risk-based capital ratio | 19.2587% | 2,272 |
| Memoranda: | ||
| Average total assets | $40,135,000 | 6,231 |
| Average earning assets | $35,996,500 | 6,235 |
| Average equity | $4,814,000 | 6,041 |
| Average total loans | $21,247,000 | 6,085 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,423 |
| Cost of funding earning assets | 0.3287% | 5,337 |
| Net interest margin | 3.5813% | 3,544 |
| Noninterest income to average assets | 0.3751% | 4,631 |
| Noninterest expense to average assets | 3.2004% | 2,418 |
| Loan and lease loss provision to assets | 0.0122% | 4,881 |
| Net operating income to assets | 0.4262% | 5,050 |
| Return on assets (ROA) | 0.4262% | 5,164 |
| Pretax return on assets | 0.4262% | 5,424 |
| Return on Equity (ROE) | 3.6343% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.0113% | 4,092 |
| Net charge-offs to loans | 0.3867% | 1,748 |
| Credit loss provision to net charge-offs | 5.6180% | 4,638 |
| Earnings coverage of net charge-offs (x) | 2.0225% | 4,372 |
| Efficiency ratio | 87.9518% | 1,227 |
| Assets per employee ($millions) | 3.6248% | 4,625 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 5,654 |
| Loan loss allowance to noncurrent loans | 55.4090% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 3.7243% | 749 |
| Noncurrent loans to loans | 1.7709% | 2,272 |
| Net loans and leases to total assets | 53.1462% | 4,703 |
| Net loans and leases to deposits | 60.6827% | 4,875 |
| Net loans and leases to core deposits | 60.6827% | 5,164 |
| Total domestic deposits to total assets | 87.5806% | 2,432 |
| Equity capital to assets | 12.1335% | 1,719 |
| Core capital (leverage) ratio | 11.6897% | 1,837 |
| Tier 1 risk-based capital ratio | 18.6232% | 2,043 |
| Total risk-based capital ratio | 19.4488% | 2,144 |
| Memoranda: | ||
| Average total assets | $41,057,600 | 6,261 |
| Average earning assets | $37,416,400 | 6,237 |
| Average equity | $4,815,200 | 6,111 |
| Average total loans | $23,015,200 | 6,079 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 4,371 |
| Cost of funding earning assets | 0.3311% | 5,460 |
| Net interest margin | 3.6034% | 3,430 |
| Noninterest income to average assets | 0.3772% | 4,692 |
| Noninterest expense to average assets | 3.2435% | 2,221 |
| Loan and lease loss provision to assets | 0.0161% | 4,691 |
| Net operating income to assets | 0.4159% | 5,181 |
| Return on assets (ROA) | 0.4159% | 5,323 |
| Pretax return on assets | 0.4159% | 5,586 |
| Return on Equity (ROE) | 3.5763% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.7446% | 4,676 |
| Net charge-offs to loans | 0.5921% | 1,061 |
| Credit loss provision to net charge-offs | 4.8077% | 4,282 |
| Earnings coverage of net charge-offs (x) | 1.2885% | 4,408 |
| Efficiency ratio | 88.2456% | 1,145 |
| Assets per employee ($millions) | 3.6522% | 4,554 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 6,097 |
| Loan loss allowance to noncurrent loans | 43.5268% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.8657% | 829 |
| Noncurrent loans to loans | 2.0307% | 2,216 |
| Net loans and leases to total assets | 54.4282% | 4,538 |
| Net loans and leases to deposits | 62.0735% | 4,755 |
| Net loans and leases to core deposits | 62.0735% | 5,109 |
| Total domestic deposits to total assets | 87.6836% | 2,307 |
| Equity capital to assets | 11.9903% | 1,923 |
| Core capital (leverage) ratio | 11.3239% | 2,178 |
| Tier 1 risk-based capital ratio | 18.1046% | 2,285 |
| Total risk-based capital ratio | 18.8574% | 2,443 |
| Memoranda: | ||
| Average total assets | $41,353,750 | 6,319 |
| Average earning assets | $37,852,000 | 6,304 |
| Average equity | $4,809,500 | 6,189 |
| Average total loans | $23,418,750 | 6,122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,530 |
| Cost of funding earning assets | 0.3387% | 5,500 |
| Net interest margin | 3.5482% | 3,570 |
| Noninterest income to average assets | 0.3689% | 4,763 |
| Noninterest expense to average assets | 3.3583% | 1,909 |
| Loan and lease loss provision to assets | 0.0240% | 4,437 |
| Net operating income to assets | 0.2491% | 5,779 |
| Return on assets (ROA) | 0.2491% | 5,905 |
| Pretax return on assets | 0.2491% | 6,004 |
| Return on Equity (ROE) | 2.1635% | 5,901 |
| Retained earnings to average equity (ytd only) | 0.9153% | 5,535 |
| Net charge-offs to loans | 0.7792% | 808 |
| Credit loss provision to net charge-offs | 5.3763% | 3,951 |
| Earnings coverage of net charge-offs (x) | 0.6129% | 4,324 |
| Efficiency ratio | 92.4802% | 861 |
| Assets per employee ($millions) | 3.4742% | 4,907 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,154 |
| Loan loss allowance to noncurrent loans | 30.7463% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 4.2576% | 790 |
| Noncurrent loans to loans | 2.9048% | 1,546 |
| Net loans and leases to total assets | 54.8309% | 4,475 |
| Net loans and leases to deposits | 62.0966% | 4,727 |
| Net loans and leases to core deposits | 62.0966% | 5,085 |
| Total domestic deposits to total assets | 88.2994% | 2,046 |
| Equity capital to assets | 11.3936% | 2,383 |
| Core capital (leverage) ratio | 11.0626% | 2,296 |
| Tier 1 risk-based capital ratio | 17.2862% | 2,594 |
| Total risk-based capital ratio | 18.0582% | 2,759 |
| Memoranda: | ||
| Average total assets | $41,747,000 | 6,353 |
| Average earning assets | $38,385,670 | 6,333 |
| Average equity | $4,807,000 | 6,237 |
| Average total loans | $23,871,330 | 6,135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 4,526 |
| Cost of funding earning assets | 0.3412% | 5,630 |
| Net interest margin | 3.5461% | 3,497 |
| Noninterest income to average assets | 0.3447% | 4,934 |
| Noninterest expense to average assets | 3.3800% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2489% | 5,730 |
| Return on assets (ROA) | 0.2489% | 5,851 |
| Pretax return on assets | 0.2489% | 5,959 |
| Return on Equity (ROE) | 2.1508% | 5,891 |
| Retained earnings to average equity (ytd only) | -0.3309% | 5,839 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1398% | 899 |
| Assets per employee ($millions) | 3.4891% | 5,004 |
| Cash dividends to net income (ytd only)* | 115.3846% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,035 |
| Loan loss allowance to noncurrent loans | 26.5583% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 5.4384% | 637 |
| Noncurrent loans to loans | 4.6427% | 876 |
| Net loans and leases to total assets | 56.2469% | 4,050 |
| Net loans and leases to deposits | 63.7866% | 4,341 |
| Net loans and leases to core deposits | 63.7866% | 4,765 |
| Total domestic deposits to total assets | 88.1798% | 2,208 |
| Equity capital to assets | 11.5193% | 2,394 |
| Core capital (leverage) ratio | 10.9370% | 2,313 |
| Tier 1 risk-based capital ratio | 16.9163% | 2,791 |
| Total risk-based capital ratio | 18.0007% | 2,852 |
| Memoranda: | ||
| Average total assets | $41,775,500 | 6,411 |
| Average earning assets | $38,690,500 | 6,376 |
| Average equity | $4,835,500 | 6,294 |
| Average total loans | $24,274,500 | 6,162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 4,040 |
| Cost of funding earning assets | 0.5093% | 5,154 |
| Net interest margin | 3.8345% | 3,087 |
| Noninterest income to average assets | 0.3087% | 5,243 |
| Noninterest expense to average assets | 3.5818% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2499% | 5,635 |
| Return on assets (ROA) | 0.2523% | 5,833 |
| Pretax return on assets | 0.2523% | 5,908 |
| Return on Equity (ROE) | 2.1605% | 5,854 |
| Retained earnings to average equity (ytd only) | 2.1605% | 4,711 |
| Net charge-offs to loans | 0.2363% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.7288% | 4,569 |
| Efficiency ratio | 93.4783% | 831 |
| Assets per employee ($millions) | 3.4735% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,160 |
| Loan loss allowance to noncurrent loans | 30.0000% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 5.1821% | 737 |
| Noncurrent loans to loans | 3.9668% | 1,189 |
| Net loans and leases to total assets | 58.5648% | 3,870 |
| Net loans and leases to deposits | 66.4643% | 4,210 |
| Net loans and leases to core deposits | 66.4643% | 4,693 |
| Total domestic deposits to total assets | 88.1148% | 2,160 |
| Equity capital to assets | 11.6309% | 2,324 |
| Core capital (leverage) ratio | 10.7618% | 2,478 |
| Tier 1 risk-based capital ratio | 16.6964% | 2,793 |
| Total risk-based capital ratio | 17.7665% | 2,857 |
| Memoranda: | ||
| Average total assets | $40,817,200 | 6,478 |
| Average earning assets | $37,501,800 | 6,452 |
| Average equity | $4,767,400 | 6,364 |
| Average total loans | $24,966,000 | 6,196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 4,149 |
| Cost of funding earning assets | 0.5439% | 5,134 |
| Net interest margin | 3.8322% | 3,194 |
| Noninterest income to average assets | 0.3021% | 5,365 |
| Noninterest expense to average assets | 3.7305% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0887% | 6,144 |
| Return on assets (ROA) | 0.0919% | 6,283 |
| Pretax return on assets | 0.0919% | 6,282 |
| Return on Equity (ROE) | 0.7863% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.7863% | 5,845 |
| Net charge-offs to loans | 0.3142% | 2,869 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4577% | 5,092 |
| Efficiency ratio | 97.6784% | 616 |
| Assets per employee ($millions) | 3.4758% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,322 |
| Loan loss allowance to noncurrent loans | 28.2964% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 5.3202% | 814 |
| Noncurrent loans to loans | 4.2104% | 1,177 |
| Net loans and leases to total assets | 58.4598% | 4,053 |
| Net loans and leases to deposits | 66.2348% | 4,438 |
| Net loans and leases to core deposits | 66.2348% | 4,930 |
| Total domestic deposits to total assets | 88.2615% | 1,870 |
| Equity capital to assets | 11.4747% | 2,775 |
| Core capital (leverage) ratio | 10.9570% | 2,435 |
| Tier 1 risk-based capital ratio | 16.2259% | 3,149 |
| Total risk-based capital ratio | 17.2837% | 3,211 |
| Memoranda: | ||
| Average total assets | $40,601,000 | 6,565 |
| Average earning assets | $37,261,750 | 6,538 |
| Average equity | $4,747,250 | 6,445 |
| Average total loans | $25,031,250 | 6,274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 4,026 |
| Cost of funding earning assets | 0.5808% | 5,068 |
| Net interest margin | 3.8590% | 3,094 |
| Noninterest income to average assets | 0.3032% | 5,383 |
| Noninterest expense to average assets | 3.8726% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0348% | 6,365 |
| Return on assets (ROA) | -0.0298% | 6,478 |
| Pretax return on assets | -0.0298% | 6,470 |
| Return on Equity (ROE) | -0.2535% | 6,480 |
| Retained earnings to average equity (ytd only) | -0.2535% | 6,084 |
| Net charge-offs to loans | 0.2386% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.2333% | 5,171 |
| Efficiency ratio | 100.9067% | 528 |
| Assets per employee ($millions) | 3.1252% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,993 |
| Loan loss allowance to noncurrent loans | 29.9351% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 5.5825% | 794 |
| Noncurrent loans to loans | 4.2716% | 1,265 |
| Net loans and leases to total assets | 61.3804% | 3,555 |
| Net loans and leases to deposits | 69.6467% | 3,949 |
| Net loans and leases to core deposits | 69.6467% | 4,572 |
| Total domestic deposits to total assets | 88.1310% | 2,054 |
| Equity capital to assets | 11.6105% | 2,479 |
| Core capital (leverage) ratio | 10.8652% | 2,426 |
| Tier 1 risk-based capital ratio | 15.8099% | 3,270 |
| Total risk-based capital ratio | 16.9503% | 3,296 |
| Memoranda: | ||
| Average total assets | $40,231,670 | 6,624 |
| Average earning assets | $36,848,670 | 6,591 |
| Average equity | $4,734,330 | 6,474 |
| Average total loans | $25,149,330 | 6,311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 4,142 |
| Cost of funding earning assets | 0.6019% | 5,107 |
| Net interest margin | 3.8415% | 3,177 |
| Noninterest income to average assets | 0.3297% | 5,225 |
| Noninterest expense to average assets | 3.4471% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3897% | 5,299 |
| Return on assets (ROA) | 0.3997% | 5,443 |
| Pretax return on assets | 0.3997% | 5,727 |
| Return on Equity (ROE) | 3.3734% | 5,561 |
| Retained earnings to average equity (ytd only) | 3.3734% | 4,545 |
| Net charge-offs to loans | 0.5420% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1471% | 3,761 |
| Efficiency ratio | 89.8438% | 1,111 |
| Assets per employee ($millions) | 3.4272% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,903 |
| Loan loss allowance to noncurrent loans | 29.3199% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 5.8090% | 823 |
| Noncurrent loans to loans | 4.5245% | 1,285 |
| Net loans and leases to total assets | 57.6959% | 4,087 |
| Net loans and leases to deposits | 65.4295% | 4,444 |
| Net loans and leases to core deposits | 65.4295% | 4,978 |
| Total domestic deposits to total assets | 88.1802% | 2,196 |
| Equity capital to assets | 11.5620% | 2,385 |
| Core capital (leverage) ratio | 11.4349% | 1,938 |
| Tier 1 risk-based capital ratio | 16.4731% | 2,922 |
| Total risk-based capital ratio | 17.6346% | 2,925 |
| Memoranda: | ||
| Average total assets | $40,034,000 | 6,683 |
| Average earning assets | $36,548,000 | 6,659 |
| Average equity | $4,743,000 | 6,501 |
| Average total loans | $25,094,000 | 6,366 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 2,984 |
| Cost of funding earning assets | 0.8534% | 4,445 |
| Net interest margin | 4.1241% | 2,335 |
| Noninterest income to average assets | 0.3454% | 5,045 |
| Noninterest expense to average assets | 3.3740% | 2,309 |
| Loan and lease loss provision to assets | 0.5864% | 1,764 |
| Net operating income to assets | 0.0472% | 5,968 |
| Return on assets (ROA) | 0.0472% | 6,076 |
| Pretax return on assets | 0.0472% | 6,052 |
| Return on Equity (ROE) | 0.4166% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.4166% | 5,637 |
| Net charge-offs to loans | 1.1168% | 1,538 |
| Credit loss provision to net charge-offs | 76.8730% | 4,603 |
| Earnings coverage of net charge-offs (x) | 0.8306% | 5,176 |
| Efficiency ratio | 84.1909% | 1,744 |
| Assets per employee ($millions) | 3.2452% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,664 |
| Loan loss allowance to noncurrent loans | 29.3189% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 6.4326% | 735 |
| Noncurrent loans to loans | 4.6058% | 1,292 |
| Net loans and leases to total assets | 66.2216% | 2,743 |
| Net loans and leases to deposits | 75.6246% | 3,236 |
| Net loans and leases to core deposits | 75.6246% | 4,033 |
| Total domestic deposits to total assets | 87.5661% | 2,435 |
| Equity capital to assets | 12.1488% | 2,012 |
| Core capital (leverage) ratio | 11.4094% | 1,959 |
| Tier 1 risk-based capital ratio | 15.4701% | 3,348 |
| Total risk-based capital ratio | 16.6891% | 3,321 |
| Memoranda: | ||
| Average total assets | $40,248,800 | 6,665 |
| Average earning assets | $35,740,800 | 6,686 |
| Average equity | $4,560,600 | 6,572 |
| Average total loans | $27,488,600 | 6,268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 3,057 |
| Cost of funding earning assets | 0.8895% | 4,475 |
| Net interest margin | 4.1163% | 2,407 |
| Noninterest income to average assets | 0.3483% | 5,071 |
| Noninterest expense to average assets | 3.4503% | 2,073 |
| Loan and lease loss provision to assets | 0.7591% | 1,252 |
| Net operating income to assets | -0.2267% | 6,413 |
| Return on assets (ROA) | -0.2267% | 6,490 |
| Pretax return on assets | -0.2267% | 6,434 |
| Return on Equity (ROE) | -2.0363% | 6,479 |
| Retained earnings to average equity (ytd only) | -2.0363% | 6,301 |
| Net charge-offs to loans | 1.3848% | 1,095 |
| Credit loss provision to net charge-offs | 79.9308% | 4,144 |
| Earnings coverage of net charge-offs (x) | 0.5605% | 5,209 |
| Efficiency ratio | 86.6337% | 1,469 |
| Assets per employee ($millions) | 3.3490% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 4,803 |
| Loan loss allowance to noncurrent loans | 45.1295% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 5.2553% | 1,086 |
| Noncurrent loans to loans | 2.9767% | 2,325 |
| Net loans and leases to total assets | 66.8831% | 2,696 |
| Net loans and leases to deposits | 75.7881% | 3,357 |
| Net loans and leases to core deposits | 75.7881% | 4,216 |
| Total domestic deposits to total assets | 88.2502% | 1,897 |
| Equity capital to assets | 11.4014% | 2,775 |
| Core capital (leverage) ratio | 10.8746% | 2,499 |
| Tier 1 risk-based capital ratio | 14.5204% | 3,964 |
| Total risk-based capital ratio | 15.7302% | 3,964 |
| Memoranda: | ||
| Average total assets | $40,575,500 | 6,711 |
| Average earning assets | $35,823,750 | 6,742 |
| Average equity | $4,518,000 | 6,631 |
| Average total loans | $27,825,500 | 6,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 3,067 |
| Cost of funding earning assets | 0.9521% | 4,304 |
| Net interest margin | 4.0660% | 2,545 |
| Noninterest income to average assets | 0.3390% | 5,172 |
| Noninterest expense to average assets | 3.6016% | 1,736 |
| Loan and lease loss provision to assets | 1.0122% | 854 |
| Net operating income to assets | -0.7075% | 6,822 |
| Return on assets (ROA) | -0.7075% | 6,830 |
| Pretax return on assets | -0.7075% | 6,776 |
| Return on Equity (ROE) | -6.4047% | 6,799 |
| Retained earnings to average equity (ytd only) | -6.4047% | 6,679 |
| Net charge-offs to loans | 1.7702% | 802 |
| Credit loss provision to net charge-offs | 83.0645% | 3,684 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 5,121 |
| Efficiency ratio | 92.2013% | 1,084 |
| Assets per employee ($millions) | 3.4204% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 4,605 |
| Loan loss allowance to noncurrent loans | 42.5390% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 5.7035% | 1,016 |
| Noncurrent loans to loans | 3.2767% | 2,180 |
| Net loans and leases to total assets | 65.8399% | 3,064 |
| Net loans and leases to deposits | 74.0789% | 3,799 |
| Net loans and leases to core deposits | 74.6953% | 4,483 |
| Total domestic deposits to total assets | 88.8781% | 1,611 |
| Equity capital to assets | 10.8150% | 3,161 |
| Core capital (leverage) ratio | 10.4653% | 2,749 |
| Tier 1 risk-based capital ratio | 14.6355% | 3,704 |
| Total risk-based capital ratio | 15.8867% | 3,669 |
| Memoranda: | ||
| Average total assets | $40,704,670 | 6,763 |
| Average earning assets | $35,710,670 | 6,810 |
| Average equity | $4,496,670 | 6,678 |
| Average total loans | $28,019,000 | 6,365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 2,712 |
| Cost of funding earning assets | 0.9969% | 4,224 |
| Net interest margin | 4.0885% | 2,312 |
| Noninterest income to average assets | 0.3256% | 5,310 |
| Noninterest expense to average assets | 3.8288% | 1,293 |
| Loan and lease loss provision to assets | 0.0592% | 5,261 |
| Net operating income to assets | 0.0395% | 6,258 |
| Return on assets (ROA) | 0.0395% | 6,295 |
| Pretax return on assets | 0.0395% | 6,285 |
| Return on Equity (ROE) | 0.3536% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.3536% | 5,673 |
| Net charge-offs to loans | -0.1130% | 7,118 |
| Credit loss provision to net charge-offs | -75.0000% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4874% | 860 |
| Assets per employee ($millions) | 2.9180% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,846 |
| Loan loss allowance to noncurrent loans | 63.1124% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 5.9018% | 995 |
| Noncurrent loans to loans | 2.4954% | 2,993 |
| Net loans and leases to total assets | 67.0053% | 2,755 |
| Net loans and leases to deposits | 75.6327% | 3,472 |
| Net loans and leases to core deposits | 76.2670% | 4,269 |
| Total domestic deposits to total assets | 88.5930% | 2,021 |
| Equity capital to assets | 11.1157% | 2,571 |
| Core capital (leverage) ratio | 11.0332% | 2,165 |
| Tier 1 risk-based capital ratio | 14.7938% | 3,549 |
| Total risk-based capital ratio | 16.0457% | 3,515 |
| Memoranda: | ||
| Average total assets | $40,534,500 | 6,814 |
| Average earning assets | $35,710,000 | 6,855 |
| Average equity | $4,525,500 | 6,704 |
| Average total loans | $28,325,500 | 6,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5302% | 2,160 |
| Cost of funding earning assets | 1.1357% | 4,930 |
| Net interest margin | 4.3945% | 1,493 |
| Noninterest income to average assets | 0.4166% | 4,768 |
| Noninterest expense to average assets | 3.7227% | 1,647 |
| Loan and lease loss provision to assets | 0.5280% | 3,037 |
| Net operating income to assets | 0.1114% | 5,559 |
| Return on assets (ROA) | 0.1114% | 5,704 |
| Pretax return on assets | 0.1114% | 5,679 |
| Return on Equity (ROE) | 1.0109% | 5,689 |
| Retained earnings to average equity (ytd only) | 0.3516% | 5,401 |
| Net charge-offs to loans | 0.7079% | 2,888 |
| Credit loss provision to net charge-offs | 100.4608% | 4,531 |
| Earnings coverage of net charge-offs (x) | 1.2166% | 4,886 |
| Efficiency ratio | 85.3415% | 1,768 |
| Assets per employee ($millions) | 2.8726% | 6,395 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 4,182 |
| Loan loss allowance to noncurrent loans | 557.8947% | 589 |
| Noncurrent assets plus other real estate owned to assets | 4.5105% | 1,485 |
| Noncurrent loans to loans | 0.2635% | 6,539 |
| Net loans and leases to total assets | 70.6567% | 2,381 |
| Net loans and leases to deposits | 79.8270% | 3,207 |
| Net loans and leases to core deposits | 79.8270% | 4,238 |
| Total domestic deposits to total assets | 88.5123% | 1,940 |
| Equity capital to assets | 11.2142% | 2,488 |
| Core capital (leverage) ratio | 10.9677% | 2,186 |
| Tier 1 risk-based capital ratio | 14.3017% | 3,677 |
| Total risk-based capital ratio | 15.5521% | 3,630 |
| Memoranda: | ||
| Average total assets | $41,287,000 | 6,816 |
| Average earning assets | $37,069,200 | 6,838 |
| Average equity | $4,550,400 | 6,800 |
| Average total loans | $30,655,200 | 6,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 2,206 |
| Cost of funding earning assets | 1.1659% | 5,055 |
| Net interest margin | 4.3960% | 1,539 |
| Noninterest income to average assets | 0.4684% | 4,427 |
| Noninterest expense to average assets | 3.7893% | 1,386 |
| Loan and lease loss provision to assets | 0.5326% | 2,807 |
| Net operating income to assets | 0.1027% | 5,772 |
| Return on assets (ROA) | 0.1027% | 5,915 |
| Pretax return on assets | 0.1027% | 5,909 |
| Return on Equity (ROE) | 0.9356% | 5,908 |
| Retained earnings to average equity (ytd only) | 0.0585% | 5,758 |
| Net charge-offs to loans | 0.9043% | 2,191 |
| Credit loss provision to net charge-offs | 78.6730% | 5,180 |
| Earnings coverage of net charge-offs (x) | 0.9384% | 5,126 |
| Efficiency ratio | 85.6418% | 1,669 |
| Assets per employee ($millions) | 3.1149% | 5,890 |
| Cash dividends to net income (ytd only)* | 93.7427% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,308 |
| Loan loss allowance to noncurrent loans | 186.6337% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 4.2722% | 1,599 |
| Noncurrent loans to loans | 0.6625% | 5,877 |
| Net loans and leases to total assets | 74.3690% | 1,722 |
| Net loans and leases to deposits | 84.1671% | 2,677 |
| Net loans and leases to core deposits | 84.1671% | 3,909 |
| Total domestic deposits to total assets | 88.3588% | 1,758 |
| Equity capital to assets | 11.3572% | 2,652 |
| Core capital (leverage) ratio | 10.8452% | 2,377 |
| Tier 1 risk-based capital ratio | 13.6586% | 4,077 |
| Total risk-based capital ratio | 14.8167% | 4,096 |
| Memoranda: | ||
| Average total assets | $41,554,500 | 6,897 |
| Average earning assets | $37,396,500 | 6,898 |
| Average equity | $4,560,500 | 6,888 |
| Average total loans | $31,109,000 | 6,436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5504% | 2,329 |
| Cost of funding earning assets | 1.1822% | 5,225 |
| Net interest margin | 4.3682% | 1,540 |
| Noninterest income to average assets | 0.3579% | 5,282 |
| Noninterest expense to average assets | 3.7415% | 1,471 |
| Loan and lease loss provision to assets | 0.4295% | 3,174 |
| Net operating income to assets | 0.1193% | 5,807 |
| Return on assets (ROA) | 0.1193% | 5,916 |
| Pretax return on assets | 0.1193% | 5,941 |
| Return on Equity (ROE) | 1.0995% | 5,922 |
| Retained earnings to average equity (ytd only) | -0.2199% | 5,775 |
| Net charge-offs to loans | 0.6898% | 2,491 |
| Credit loss provision to net charge-offs | 83.3333% | 4,615 |
| Earnings coverage of net charge-offs (x) | 1.0648% | 4,725 |
| Efficiency ratio | 87.2080% | 1,585 |
| Assets per employee ($millions) | 2.7623% | 6,653 |
| Cash dividends to net income (ytd only)* | 120.0000% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,859 |
| Loan loss allowance to noncurrent loans | 123.9264% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 4.4962% | 1,480 |
| Noncurrent loans to loans | 1.0564% | 5,204 |
| Net loans and leases to total assets | 73.5007% | 2,031 |
| Net loans and leases to deposits | 82.8550% | 3,103 |
| Net loans and leases to core deposits | 82.8550% | 4,303 |
| Total domestic deposits to total assets | 88.7100% | 1,596 |
| Equity capital to assets | 10.9738% | 2,891 |
| Core capital (leverage) ratio | 10.7246% | 2,453 |
| Tier 1 risk-based capital ratio | 13.2511% | 4,250 |
| Total risk-based capital ratio | 14.4571% | 4,238 |
| Memoranda: | ||
| Average total assets | $41,908,000 | 6,935 |
| Average earning assets | $37,727,000 | 6,937 |
| Average equity | $4,547,670 | 6,921 |
| Average total loans | $31,314,670 | 6,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 2,925 |
| Cost of funding earning assets | 1.1614% | 5,598 |
| Net interest margin | 4.2619% | 1,813 |
| Noninterest income to average assets | 0.3417% | 5,407 |
| Noninterest expense to average assets | 3.8060% | 1,322 |
| Loan and lease loss provision to assets | 0.4271% | 2,823 |
| Net operating income to assets | 0.0095% | 6,263 |
| Return on assets (ROA) | 0.0095% | 6,374 |
| Pretax return on assets | 0.0095% | 6,332 |
| Return on Equity (ROE) | 0.0880% | 6,382 |
| Retained earnings to average equity (ytd only) | -2.5506% | 6,302 |
| Net charge-offs to loans | 0.5960% | 2,317 |
| Credit loss provision to net charge-offs | 95.7447% | 3,529 |
| Earnings coverage of net charge-offs (x) | 0.9787% | 4,184 |
| Efficiency ratio | 89.7092% | 1,453 |
| Assets per employee ($millions) | 2.8062% | 6,635 |
| Cash dividends to net income (ytd only)* | 3,000.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,701 |
| Loan loss allowance to noncurrent loans | 86.5702% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 4.0791% | 1,678 |
| Noncurrent loans to loans | 1.5544% | 4,413 |
| Net loans and leases to total assets | 72.9789% | 2,205 |
| Net loans and leases to deposits | 82.0618% | 3,270 |
| Net loans and leases to core deposits | 84.4230% | 4,150 |
| Total domestic deposits to total assets | 88.9317% | 1,553 |
| Equity capital to assets | 10.7334% | 3,020 |
| Core capital (leverage) ratio | 10.4997% | 2,621 |
| Tier 1 risk-based capital ratio | 13.3780% | 4,066 |
| Total risk-based capital ratio | 14.6294% | 4,027 |
| Memoranda: | ||
| Average total assets | $42,144,500 | 7,012 |
| Average earning assets | $38,574,000 | 6,999 |
| Average equity | $4,548,000 | 6,987 |
| Average total loans | $31,542,500 | 6,542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7111% | 3,045 |
| Cost of funding earning assets | 1.3859% | 5,990 |
| Net interest margin | 4.3252% | 1,646 |
| Noninterest income to average assets | 0.5951% | 3,671 |
| Noninterest expense to average assets | 3.7517% | 1,791 |
| Loan and lease loss provision to assets | 0.5369% | 3,683 |
| Net operating income to assets | 0.2931% | 4,560 |
| Return on assets (ROA) | 0.2931% | 4,641 |
| Pretax return on assets | 0.2931% | 4,778 |
| Return on Equity (ROE) | 2.9044% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.2217% | 4,779 |
| Net charge-offs to loans | 0.3149% | 4,666 |
| Credit loss provision to net charge-offs | 233.0097% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.6019% | 3,275 |
| Efficiency ratio | 81.8848% | 2,616 |
| Assets per employee ($millions) | 2.8131% | 6,635 |
| Cash dividends to net income (ytd only)* | 92.3664% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,644 |
| Loan loss allowance to noncurrent loans | 37.6114% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 4.2682% | 1,535 |
| Noncurrent loans to loans | 3.5121% | 2,164 |
| Net loans and leases to total assets | 74.7109% | 2,094 |
| Net loans and leases to deposits | 84.1138% | 3,236 |
| Net loans and leases to core deposits | 99.8416% | 4,015 |
| Total domestic deposits to total assets | 88.8212% | 1,559 |
| Equity capital to assets | 10.8494% | 2,820 |
| Core capital (leverage) ratio | 10.1039% | 2,993 |
| Tier 1 risk-based capital ratio | 12.8585% | 4,239 |
| Total risk-based capital ratio | 14.0798% | 4,216 |
| Memoranda: | ||
| Average total assets | $44,699,200 | 6,921 |
| Average earning assets | $41,200,800 | 6,899 |
| Average equity | $4,510,400 | 7,110 |
| Average total loans | $32,712,600 | 6,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 3,172 |
| Cost of funding earning assets | 1.4134% | 6,174 |
| Net interest margin | 4.3201% | 1,679 |
| Noninterest income to average assets | 0.6354% | 3,459 |
| Noninterest expense to average assets | 3.7800% | 1,635 |
| Loan and lease loss provision to assets | 0.5736% | 3,088 |
| Net operating income to assets | 0.2648% | 4,932 |
| Return on assets (ROA) | 0.2648% | 5,029 |
| Pretax return on assets | 0.2648% | 5,155 |
| Return on Equity (ROE) | 2.6705% | 4,928 |
| Retained earnings to average equity (ytd only) | -0.9198% | 5,467 |
| Net charge-offs to loans | 0.4295% | 3,534 |
| Credit loss provision to net charge-offs | 183.9623% | 2,482 |
| Earnings coverage of net charge-offs (x) | 2.6887% | 3,884 |
| Efficiency ratio | 81.8471% | 2,598 |
| Assets per employee ($millions) | 2.8106% | 6,633 |
| Cash dividends to net income (ytd only)* | 134.4417% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 5,325 |
| Loan loss allowance to noncurrent loans | 31.0116% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 4.1896% | 1,498 |
| Noncurrent loans to loans | 3.7544% | 1,984 |
| Net loans and leases to total assets | 70.5997% | 3,361 |
| Net loans and leases to deposits | 78.9987% | 4,560 |
| Net loans and leases to core deposits | 96.8990% | 4,719 |
| Total domestic deposits to total assets | 89.3682% | 1,029 |
| Equity capital to assets | 10.3049% | 3,728 |
| Core capital (leverage) ratio | 9.8879% | 3,416 |
| Tier 1 risk-based capital ratio | 12.2515% | 4,745 |
| Total risk-based capital ratio | 13.2927% | 4,875 |
| Memoranda: | ||
| Average total assets | $45,325,000 | 6,948 |
| Average earning assets | $41,788,000 | 6,919 |
| Average equity | $4,493,500 | 7,180 |
| Average total loans | $32,904,000 | 6,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8905% | 2,627 |
| Cost of funding earning assets | 1.4690% | 6,264 |
| Net interest margin | 4.4215% | 1,359 |
| Noninterest income to average assets | 0.7042% | 2,966 |
| Noninterest expense to average assets | 3.9125% | 1,462 |
| Loan and lease loss provision to assets | 0.3433% | 3,875 |
| Net operating income to assets | 0.5149% | 4,032 |
| Return on assets (ROA) | 0.5149% | 4,150 |
| Pretax return on assets | 0.5149% | 4,570 |
| Return on Equity (ROE) | 5.2624% | 3,970 |
| Retained earnings to average equity (ytd only) | -0.1799% | 5,265 |
| Net charge-offs to loans | 0.2171% | 4,144 |
| Credit loss provision to net charge-offs | 216.6667% | 2,122 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 2,838 |
| Efficiency ratio | 82.0111% | 2,722 |
| Assets per employee ($millions) | 2.6328% | 6,994 |
| Cash dividends to net income (ytd only)* | 103.4188% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 6,351 |
| Loan loss allowance to noncurrent loans | 1,923.5294% | 202 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 3,892 |
| Noncurrent loans to loans | 0.0512% | 7,406 |
| Net loans and leases to total assets | 73.4573% | 2,852 |
| Net loans and leases to deposits | 83.8767% | 3,904 |
| Net loans and leases to core deposits | 100.4000% | 4,466 |
| Total domestic deposits to total assets | 87.5776% | 1,979 |
| Equity capital to assets | 10.1077% | 3,807 |
| Core capital (leverage) ratio | 9.8615% | 3,436 |
| Tier 1 risk-based capital ratio | 11.9926% | 4,925 |
| Total risk-based capital ratio | 12.8781% | 5,199 |
| Memoranda: | ||
| Average total assets | $45,443,670 | 7,002 |
| Average earning assets | $41,796,000 | 6,975 |
| Average equity | $4,446,670 | 7,257 |
| Average total loans | $33,164,670 | 6,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9361% | 2,623 |
| Cost of funding earning assets | 1.5481% | 6,242 |
| Net interest margin | 4.3879% | 1,379 |
| Noninterest income to average assets | 0.6814% | 2,995 |
| Noninterest expense to average assets | 3.5906% | 1,886 |
| Loan and lease loss provision to assets | 0.4193% | 2,825 |
| Net operating income to assets | 0.7076% | 3,514 |
| Return on assets (ROA) | 0.7076% | 3,711 |
| Pretax return on assets | 0.7076% | 4,412 |
| Return on Equity (ROE) | 7.3503% | 3,448 |
| Retained earnings to average equity (ytd only) | 0.7260% | 5,372 |
| Net charge-offs to loans | 0.0483% | 4,807 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 1,006 |
| Efficiency ratio | 76.1111% | 3,470 |
| Assets per employee ($millions) | 2.7285% | 6,814 |
| Cash dividends to net income (ytd only)* | 90.1235% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,384 |
| Loan loss allowance to noncurrent loans | 30.2026% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 2.9449% | 1,923 |
| Noncurrent loans to loans | 3.2035% | 2,019 |
| Net loans and leases to total assets | 72.3768% | 3,156 |
| Net loans and leases to deposits | 80.4679% | 4,539 |
| Net loans and leases to core deposits | 95.0187% | 5,061 |
| Total domestic deposits to total assets | 89.9450% | 828 |
| Equity capital to assets | 9.7747% | 4,270 |
| Core capital (leverage) ratio | 9.7400% | 3,697 |
| Tier 1 risk-based capital ratio | 11.8168% | 5,106 |
| Total risk-based capital ratio | 12.6892% | 5,363 |
| Memoranda: | ||
| Average total assets | $45,786,500 | 7,038 |
| Average earning assets | $42,115,500 | 7,013 |
| Average equity | $4,408,000 | 7,316 |
| Average total loans | $33,144,500 | 6,581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9396% | 1,285 |
| Cost of funding earning assets | 2.0203% | 6,347 |
| Net interest margin | 4.9192% | 613 |
| Noninterest income to average assets | 0.5773% | 4,028 |
| Noninterest expense to average assets | 3.8570% | 1,648 |
| Loan and lease loss provision to assets | 0.3259% | 3,776 |
| Net operating income to assets | 0.9171% | 2,933 |
| Return on assets (ROA) | 1.2919% | 1,457 |
| Pretax return on assets | 1.2919% | 2,339 |
| Return on Equity (ROE) | 13.3987% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.9045% | 1,189 |
| Net charge-offs to loans | 0.2385% | 3,867 |
| Credit loss provision to net charge-offs | 197.1831% | 2,481 |
| Earnings coverage of net charge-offs (x) | 7.5211% | 3,090 |
| Efficiency ratio | 75.6276% | 3,298 |
| Assets per employee ($millions) | 2.6581% | 6,871 |
| Cash dividends to net income (ytd only)* | 48.4685% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 6,763 |
| Loan loss allowance to noncurrent loans | 23.4811% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 4.2069% | 945 |
| Noncurrent loans to loans | 3.7605% | 1,326 |
| Net loans and leases to total assets | 71.0432% | 3,776 |
| Net loans and leases to deposits | 79.5377% | 5,125 |
| Net loans and leases to core deposits | 93.1413% | 5,533 |
| Total domestic deposits to total assets | 89.3202% | 913 |
| Equity capital to assets | 9.4760% | 4,723 |
| Core capital (leverage) ratio | 9.8914% | 3,556 |
| Tier 1 risk-based capital ratio | 11.4838% | 5,251 |
| Total risk-based capital ratio | 12.2625% | 5,615 |
| Memoranda: | ||
| Average total assets | $42,961,200 | 7,081 |
| Average earning assets | $39,498,200 | 7,063 |
| Average equity | $4,142,200 | 7,454 |
| Average total loans | $29,763,800 | 6,720 |