Home > The Baxter State Bank > Performance and Condition Ratios
The Baxter 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 | 4.8971% | 2,282 |
| Cost of funding earning assets | 0.3058% | 4,374 |
| Net interest margin | 4.5914% | 535 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 4.1067% | 340 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3171% | 4,003 |
| Return on assets (ROA) | 0.3171% | 4,002 |
| Pretax return on assets | 0.3171% | 4,074 |
| Return on Equity (ROE) | 1.4700% | 4,215 |
| Retained earnings to average equity (ytd only) | 0.6440% | 3,920 |
| Net charge-offs to loans | 0.1268% | 777 |
| Credit loss provision to net charge-offs | 33.3333% | 2,265 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,515 |
| Efficiency ratio | 92.4175% | 356 |
| Assets per employee ($millions) | 3.5357% | 4,286 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,021 |
| Loan loss allowance to noncurrent loans | 35.6473% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 2.2020% | 114 |
| Noncurrent loans to loans | 4.2335% | 75 |
| Net loans and leases to total assets | 50.1000% | 3,588 |
| Net loans and leases to deposits | 70.8652% | 2,825 |
| Net loans and leases to core deposits | 70.8652% | 3,253 |
| Total domestic deposits to total assets | 70.7000% | 4,268 |
| Equity capital to assets | 22.4040% | 227 |
| Core capital (leverage) ratio | 21.3219% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $25,227,200 | 4,498 |
| Average earning assets | $21,584,000 | 4,473 |
| Average equity | $5,434,400 | 4,220 |
| Average total loans | $11,826,800 | 4,393 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 2,281 |
| Cost of funding earning assets | 0.2336% | 4,413 |
| Net interest margin | 4.5605% | 568 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 4.0452% | 351 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3419% | 4,065 |
| Return on assets (ROA) | 0.3419% | 4,067 |
| Pretax return on assets | 0.3419% | 4,119 |
| Return on Equity (ROE) | 1.6000% | 4,248 |
| Retained earnings to average equity (ytd only) | 1.6029% | 3,817 |
| Net charge-offs to loans | 0.1948% | 451 |
| Credit loss provision to net charge-offs | 29.4118% | 1,975 |
| Earnings coverage of net charge-offs (x) | 4.1176% | 2,414 |
| Efficiency ratio | 91.6567% | 326 |
| Assets per employee ($millions) | 3.5657% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 943 |
| Loan loss allowance to noncurrent loans | 36.3462% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.1314% | 118 |
| Noncurrent loans to loans | 4.3186% | 67 |
| Net loans and leases to total assets | 47.4800% | 3,767 |
| Net loans and leases to deposits | 66.7042% | 3,073 |
| Net loans and leases to core deposits | 66.7042% | 3,392 |
| Total domestic deposits to total assets | 71.1900% | 4,286 |
| Equity capital to assets | 21.9271% | 243 |
| Core capital (leverage) ratio | 21.1095% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $25,346,500 | 4,524 |
| Average earning assets | $21,693,000 | 4,501 |
| Average equity | $5,406,750 | 4,234 |
| Average total loans | $11,636,000 | 4,421 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 2,047 |
| Cost of funding earning assets | 0.1738% | 4,453 |
| Net interest margin | 4.6018% | 527 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 3.9803% | 345 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4553% | 3,907 |
| Return on assets (ROA) | 0.4553% | 3,909 |
| Pretax return on assets | 0.4553% | 4,035 |
| Return on Equity (ROE) | 2.1500% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.1543% | 3,685 |
| Net charge-offs to loans | 0.2435% | 338 |
| Credit loss provision to net charge-offs | 35.7143% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,214 |
| Efficiency ratio | 88.9474% | 385 |
| Assets per employee ($millions) | 3.5150% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 788 |
| Loan loss allowance to noncurrent loans | 43.7071% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7761% | 167 |
| Noncurrent loans to loans | 3.8340% | 92 |
| Net loans and leases to total assets | 45.5500% | 3,817 |
| Net loans and leases to deposits | 60.7689% | 3,372 |
| Net loans and leases to core deposits | 60.7689% | 3,589 |
| Total domestic deposits to total assets | 74.9500% | 4,122 |
| Equity capital to assets | 22.0727% | 225 |
| Core capital (leverage) ratio | 21.1765% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $25,475,333 | 4,549 |
| Average earning assets | $21,861,000 | 4,528 |
| Average equity | $5,384,667 | 4,259 |
| Average total loans | $11,501,000 | 4,448 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 1,721 |
| Cost of funding earning assets | 0.1436% | 4,471 |
| Net interest margin | 4.6141% | 499 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.8903% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5866% | 3,717 |
| Return on assets (ROA) | 0.5866% | 3,684 |
| Pretax return on assets | 0.5866% | 3,865 |
| Return on Equity (ROE) | 2.8400% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.8350% | 3,541 |
| Net charge-offs to loans | 0.0346% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,210 |
| Efficiency ratio | 86.8966% | 472 |
| Assets per employee ($millions) | 3.6417% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 683 |
| Loan loss allowance to noncurrent loans | 70.1754% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 343 |
| Noncurrent loans to loans | 2.5372% | 188 |
| Net loans and leases to total assets | 43.2800% | 3,897 |
| Net loans and leases to deposits | 57.1125% | 3,502 |
| Net loans and leases to core deposits | 57.1125% | 3,689 |
| Total domestic deposits to total assets | 75.7800% | 4,170 |
| Equity capital to assets | 21.2773% | 206 |
| Core capital (leverage) ratio | 20.4841% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $25,910,500 | 4,604 |
| Average earning assets | $22,279,500 | 4,588 |
| Average equity | $5,361,500 | 4,320 |
| Average total loans | $11,552,500 | 4,508 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 2,545 |
| Cost of funding earning assets | 0.0770% | 4,485 |
| Net interest margin | 3.6149% | 1,602 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.5271% | 478 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.0401% | 4,544 |
| Return on assets (ROA) | 0.0401% | 4,531 |
| Pretax return on assets | 0.0401% | 4,525 |
| Return on Equity (ROE) | 0.2000% | 4,535 |
| Retained earnings to average equity (ytd only) | 0.2034% | 4,313 |
| Net charge-offs to loans | 0.5043% | 144 |
| Credit loss provision to net charge-offs | 10.1695% | 1,954 |
| Earnings coverage of net charge-offs (x) | 0.2881% | 2,561 |
| Efficiency ratio | 98.2724% | 170 |
| Assets per employee ($millions) | 3.7613% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 818 |
| Loan loss allowance to noncurrent loans | 22.3214% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 3.4031% | 34 |
| Noncurrent loans to loans | 7.5472% | 27 |
| Net loans and leases to total assets | 44.3300% | 3,878 |
| Net loans and leases to deposits | 57.6111% | 3,479 |
| Net loans and leases to core deposits | 57.6111% | 3,637 |
| Total domestic deposits to total assets | 76.9500% | 4,179 |
| Equity capital to assets | 20.1261% | 225 |
| Core capital (leverage) ratio | 19.8515% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $27,416,400 | 4,622 |
| Average earning assets | $23,375,400 | 4,614 |
| Average equity | $5,408,600 | 4,392 |
| Average total loans | $11,700,400 | 4,532 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 2,321 |
| Cost of funding earning assets | 0.0736% | 4,464 |
| Net interest margin | 3.5339% | 1,565 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.4671% | 504 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.0674% | 4,561 |
| Return on assets (ROA) | 0.0674% | 4,534 |
| Pretax return on assets | 0.0674% | 4,530 |
| Return on Equity (ROE) | 0.3400% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.3434% | 4,290 |
| Net charge-offs to loans | 0.6748% | 85 |
| Credit loss provision to net charge-offs | 10.1695% | 1,660 |
| Earnings coverage of net charge-offs (x) | 0.3390% | 2,293 |
| Efficiency ratio | 97.2973% | 188 |
| Assets per employee ($millions) | 3.8560% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 864 |
| Loan loss allowance to noncurrent loans | 21.3220% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 4.5865% | 22 |
| Noncurrent loans to loans | 8.0034% | 24 |
| Net loans and leases to total assets | 42.6800% | 3,958 |
| Net loans and leases to deposits | 54.9592% | 3,551 |
| Net loans and leases to core deposits | 54.9592% | 3,688 |
| Total domestic deposits to total assets | 77.6600% | 4,282 |
| Equity capital to assets | 19.4354% | 232 |
| Core capital (leverage) ratio | 19.1463% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $27,688,250 | 4,657 |
| Average earning assets | $23,542,750 | 4,646 |
| Average equity | $5,436,000 | 4,421 |
| Average total loans | $11,657,500 | 4,569 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 2,406 |
| Cost of funding earning assets | 0.0591% | 4,537 |
| Net interest margin | 3.3498% | 1,757 |
| Noninterest income to average assets | 0.5587% | 1,908 |
| Noninterest expense to average assets | 3.4670% | 451 |
| Loan and lease loss provision to assets | 0.0072% | 2,472 |
| Net operating income to assets | -0.0716% | 4,608 |
| Return on assets (ROA) | -0.0716% | 4,579 |
| Pretax return on assets | -0.0716% | 4,565 |
| Return on Equity (ROE) | -0.3637% | 4,562 |
| Retained earnings to average equity (ytd only) | -0.3637% | 4,221 |
| Net charge-offs to loans | 0.9968% | 64 |
| Credit loss provision to net charge-offs | 1.7241% | 1,660 |
| Earnings coverage of net charge-offs (x) | -0.1552% | 2,105 |
| Efficiency ratio | 101.8947% | 173 |
| Assets per employee ($millions) | 3.0453% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 925 |
| Loan loss allowance to noncurrent loans | 19.0661% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 4.8453% | 15 |
| Noncurrent loans to loans | 9.0390% | 16 |
| Net loans and leases to total assets | 40.7801% | 4,039 |
| Net loans and leases to deposits | 52.5853% | 3,641 |
| Net loans and leases to core deposits | 52.5853% | 3,782 |
| Total domestic deposits to total assets | 77.5504% | 4,378 |
| Equity capital to assets | 19.5381% | 179 |
| Core capital (leverage) ratio | 18.4929% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,920,333 | 4,692 |
| Average earning assets | $23,702,667 | 4,694 |
| Average equity | $5,499,333 | 4,466 |
| Average total loans | $11,636,667 | 4,635 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 2,372 |
| Cost of funding earning assets | 0.0668% | 4,485 |
| Net interest margin | 3.2388% | 1,757 |
| Noninterest income to average assets | 0.5962% | 1,708 |
| Noninterest expense to average assets | 3.4497% | 445 |
| Loan and lease loss provision to assets | 0.0142% | 2,096 |
| Net operating income to assets | -0.1136% | 4,605 |
| Return on assets (ROA) | -0.1136% | 4,587 |
| Pretax return on assets | -0.1136% | 4,578 |
| Return on Equity (ROE) | -0.5744% | 4,563 |
| Retained earnings to average equity (ytd only) | -0.5744% | 4,093 |
| Net charge-offs to loans | 1.9714% | 37 |
| Credit loss provision to net charge-offs | 1.7241% | 1,332 |
| Earnings coverage of net charge-offs (x) | -0.1207% | 1,785 |
| Efficiency ratio | 102.9661% | 203 |
| Assets per employee ($millions) | 3.1846% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6926% | 1,068 |
| Loan loss allowance to noncurrent loans | 23.7288% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 4.1031% | 35 |
| Noncurrent loans to loans | 7.1330% | 31 |
| Net loans and leases to total assets | 39.7195% | 4,032 |
| Net loans and leases to deposits | 50.8056% | 3,661 |
| Net loans and leases to core deposits | 50.8056% | 3,827 |
| Total domestic deposits to total assets | 78.1794% | 4,394 |
| Equity capital to assets | 19.0049% | 196 |
| Core capital (leverage) ratio | 18.4321% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,176,500 | 4,715 |
| Average earning assets | $23,959,500 | 4,714 |
| Average equity | $5,571,500 | 4,512 |
| Average total loans | $11,768,500 | 4,660 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8226% | 1,813 |
| Cost of funding earning assets | 0.0656% | 4,613 |
| Net interest margin | 3.7570% | 1,091 |
| Noninterest income to average assets | 0.6082% | 2,121 |
| Noninterest expense to average assets | 3.3287% | 600 |
| Loan and lease loss provision to assets | 0.1733% | 666 |
| Net operating income to assets | 0.2543% | 4,479 |
| Return on assets (ROA) | 0.2543% | 4,495 |
| Pretax return on assets | 0.2728% | 4,517 |
| Return on Equity (ROE) | 1.2020% | 4,588 |
| Retained earnings to average equity (ytd only) | 0.6794% | 4,340 |
| Net charge-offs to loans | 0.0398% | 1,464 |
| Credit loss provision to net charge-offs | 940.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,753 |
| Efficiency ratio | 88.1836% | 379 |
| Assets per employee ($millions) | 3.4615% | 4,597 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 505 |
| Loan loss allowance to noncurrent loans | 18.7269% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 6.1426% | 14 |
| Noncurrent loans to loans | 11.2988% | 11 |
| Net loans and leases to total assets | 42.2649% | 3,965 |
| Net loans and leases to deposits | 55.3564% | 3,478 |
| Net loans and leases to core deposits | 55.3564% | 3,674 |
| Total domestic deposits to total assets | 76.3506% | 4,493 |
| Equity capital to assets | 20.5691% | 161 |
| Core capital (leverage) ratio | 18.7310% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,128,000 | 4,760 |
| Average earning assets | $22,864,200 | 4,762 |
| Average equity | $5,740,200 | 4,554 |
| Average total loans | $12,572,000 | 4,688 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 1,727 |
| Cost of funding earning assets | 0.0705% | 4,691 |
| Net interest margin | 3.8409% | 1,041 |
| Noninterest income to average assets | 0.6373% | 2,062 |
| Noninterest expense to average assets | 3.3299% | 581 |
| Loan and lease loss provision to assets | 0.1779% | 600 |
| Net operating income to assets | 0.3607% | 4,435 |
| Return on assets (ROA) | 0.3607% | 4,465 |
| Pretax return on assets | 0.3607% | 4,536 |
| Return on Equity (ROE) | 1.6923% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.6923% | 4,272 |
| Net charge-offs to loans | 0.0524% | 1,133 |
| Credit loss provision to net charge-offs | 720.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 21.8000% | 1,700 |
| Efficiency ratio | 86.0792% | 431 |
| Assets per employee ($millions) | 3.4070% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 678 |
| Loan loss allowance to noncurrent loans | 21.8018% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 5.3713% | 22 |
| Noncurrent loans to loans | 9.0266% | 22 |
| Net loans and leases to total assets | 44.2288% | 3,937 |
| Net loans and leases to deposits | 58.5279% | 3,362 |
| Net loans and leases to core deposits | 58.5279% | 3,583 |
| Total domestic deposits to total assets | 75.5687% | 4,570 |
| Equity capital to assets | 21.2027% | 152 |
| Core capital (leverage) ratio | 19.5659% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,987,000 | 4,835 |
| Average earning assets | $22,702,500 | 4,838 |
| Average equity | $5,751,250 | 4,622 |
| Average total loans | $12,725,750 | 4,757 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 1,637 |
| Cost of funding earning assets | 0.0707% | 4,742 |
| Net interest margin | 3.8983% | 977 |
| Noninterest income to average assets | 0.6246% | 2,111 |
| Noninterest expense to average assets | 3.7104% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1933% | 4,644 |
| Return on assets (ROA) | 0.1933% | 4,656 |
| Pretax return on assets | 0.1933% | 4,674 |
| Return on Equity (ROE) | 0.9056% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.9056% | 4,365 |
| Net charge-offs to loans | 0.0155% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,391 |
| Efficiency ratio | 95.0476% | 234 |
| Assets per employee ($millions) | 3.8727% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 1,098 |
| Loan loss allowance to noncurrent loans | 18.1271% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 5.6586% | 25 |
| Noncurrent loans to loans | 9.3008% | 21 |
| Net loans and leases to total assets | 45.3871% | 3,947 |
| Net loans and leases to deposits | 60.0488% | 3,388 |
| Net loans and leases to core deposits | 60.0488% | 3,615 |
| Total domestic deposits to total assets | 75.5838% | 4,585 |
| Equity capital to assets | 21.1738% | 149 |
| Core capital (leverage) ratio | 19.1628% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,897,333 | 4,867 |
| Average earning assets | $22,625,333 | 4,872 |
| Average equity | $5,742,000 | 4,650 |
| Average total loans | $12,868,667 | 4,792 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 1,593 |
| Cost of funding earning assets | 0.0532% | 4,855 |
| Net interest margin | 3.9557% | 903 |
| Noninterest income to average assets | 0.5972% | 2,223 |
| Noninterest expense to average assets | 3.8520% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0747% | 4,732 |
| Return on assets (ROA) | 0.0747% | 4,740 |
| Pretax return on assets | 0.0747% | 4,744 |
| Return on Equity (ROE) | 0.3483% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.3483% | 4,323 |
| Net charge-offs to loans | -0.0307% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0989% | 215 |
| Assets per employee ($millions) | 3.0340% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,273 |
| Loan loss allowance to noncurrent loans | 19.4317% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 5.3505% | 31 |
| Noncurrent loans to loans | 8.2752% | 29 |
| Net loans and leases to total assets | 47.5060% | 3,858 |
| Net loans and leases to deposits | 62.7607% | 3,248 |
| Net loans and leases to core deposits | 62.7607% | 3,521 |
| Total domestic deposits to total assets | 75.6940% | 4,596 |
| Equity capital to assets | 21.0100% | 150 |
| Core capital (leverage) ratio | 19.1582% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,791,500 | 4,893 |
| Average earning assets | $22,550,000 | 4,897 |
| Average equity | $5,743,000 | 4,666 |
| Average total loans | $13,045,500 | 4,814 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 529 |
| Cost of funding earning assets | 0.1190% | 4,817 |
| Net interest margin | 4.8399% | 160 |
| Noninterest income to average assets | 0.5409% | 2,465 |
| Noninterest expense to average assets | 4.3427% | 283 |
| Loan and lease loss provision to assets | 0.0276% | 4,055 |
| Net operating income to assets | 0.2408% | 4,516 |
| Return on assets (ROA) | 0.2487% | 4,564 |
| Pretax return on assets | 0.1934% | 4,657 |
| Return on Equity (ROE) | 1.0843% | 4,673 |
| Retained earnings to average equity (ytd only) | -1.9276% | 4,700 |
| Net charge-offs to loans | 0.1585% | 1,033 |
| Credit loss provision to net charge-offs | 31.8182% | 3,209 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 3,164 |
| Efficiency ratio | 95.3206% | 242 |
| Assets per employee ($millions) | 2.9197% | 4,827 |
| Cash dividends to net income (ytd only)* | 277.7778% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 1,206 |
| Loan loss allowance to noncurrent loans | 18.0188% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 5.8644% | 38 |
| Noncurrent loans to loans | 9.0726% | 30 |
| Net loans and leases to total assets | 48.3160% | 3,953 |
| Net loans and leases to deposits | 64.7887% | 3,379 |
| Net loans and leases to core deposits | 64.7887% | 3,643 |
| Total domestic deposits to total assets | 74.5747% | 4,606 |
| Equity capital to assets | 21.8784% | 140 |
| Core capital (leverage) ratio | 20.2502% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,329,600 | 4,907 |
| Average earning assets | $21,013,000 | 4,918 |
| Average equity | $5,810,200 | 4,662 |
| Average total loans | $13,881,800 | 4,826 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 427 |
| Cost of funding earning assets | 0.1349% | 4,843 |
| Net interest margin | 5.0501% | 127 |
| Noninterest income to average assets | 0.6270% | 2,075 |
| Noninterest expense to average assets | 4.4049% | 265 |
| Loan and lease loss provision to assets | 0.0359% | 3,894 |
| Net operating income to assets | 0.4304% | 4,204 |
| Return on assets (ROA) | 0.4410% | 4,249 |
| Pretax return on assets | 0.3719% | 4,464 |
| Return on Equity (ROE) | 1.8996% | 4,562 |
| Retained earnings to average equity (ytd only) | -0.8468% | 4,598 |
| Net charge-offs to loans | 0.0378% | 2,090 |
| Credit loss provision to net charge-offs | 175.0000% | 2,202 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,954 |
| Efficiency ratio | 91.7035% | 323 |
| Assets per employee ($millions) | 2.8256% | 4,883 |
| Cash dividends to net income (ytd only)* | 144.5783% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 1,071 |
| Loan loss allowance to noncurrent loans | 19.5392% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 6.6142% | 31 |
| Noncurrent loans to loans | 8.2489% | 40 |
| Net loans and leases to total assets | 54.9705% | 3,714 |
| Net loans and leases to deposits | 75.0188% | 2,851 |
| Net loans and leases to core deposits | 75.0188% | 3,240 |
| Total domestic deposits to total assets | 73.2757% | 4,618 |
| Equity capital to assets | 22.9453% | 126 |
| Core capital (leverage) ratio | 20.7364% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,092,750 | 4,939 |
| Average earning assets | $20,751,500 | 4,951 |
| Average equity | $5,825,500 | 4,684 |
| Average total loans | $14,125,500 | 4,851 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 559 |
| Cost of funding earning assets | 0.1547% | 4,869 |
| Net interest margin | 5.0561% | 181 |
| Noninterest income to average assets | 0.6245% | 2,037 |
| Noninterest expense to average assets | 4.3714% | 283 |
| Loan and lease loss provision to assets | 0.0560% | 3,598 |
| Net operating income to assets | 0.4964% | 4,034 |
| Return on assets (ROA) | 0.5124% | 4,060 |
| Pretax return on assets | 0.4003% | 4,409 |
| Return on Equity (ROE) | 2.1984% | 4,494 |
| Retained earnings to average equity (ytd only) | -1.9236% | 4,582 |
| Net charge-offs to loans | 0.0567% | 1,687 |
| Credit loss provision to net charge-offs | 175.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,979 |
| Efficiency ratio | 90.8486% | 372 |
| Assets per employee ($millions) | 2.8404% | 4,893 |
| Cash dividends to net income (ytd only)* | 187.5000% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 871 |
| Loan loss allowance to noncurrent loans | 22.1256% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 6.0437% | 42 |
| Noncurrent loans to loans | 7.5641% | 53 |
| Net loans and leases to total assets | 52.6287% | 3,982 |
| Net loans and leases to deposits | 71.6858% | 3,290 |
| Net loans and leases to core deposits | 71.6858% | 3,608 |
| Total domestic deposits to total assets | 73.4157% | 4,629 |
| Equity capital to assets | 22.7859% | 131 |
| Core capital (leverage) ratio | 20.3380% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,980,333 | 4,971 |
| Average earning assets | $20,688,000 | 4,979 |
| Average equity | $5,822,333 | 4,705 |
| Average total loans | $14,098,000 | 4,881 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 486 |
| Cost of funding earning assets | 0.1760% | 4,937 |
| Net interest margin | 5.1819% | 149 |
| Noninterest income to average assets | 0.7291% | 1,534 |
| Noninterest expense to average assets | 4.6013% | 276 |
| Loan and lease loss provision to assets | 0.0810% | 2,693 |
| Net operating income to assets | 0.5671% | 3,692 |
| Return on assets (ROA) | 0.5995% | 3,653 |
| Pretax return on assets | 0.3726% | 4,346 |
| Return on Equity (ROE) | 2.5425% | 4,332 |
| Retained earnings to average equity (ytd only) | -5.7035% | 4,566 |
| Net charge-offs to loans | 0.0839% | 1,197 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,858 |
| Efficiency ratio | 91.6129% | 444 |
| Assets per employee ($millions) | 2.7722% | 4,877 |
| Cash dividends to net income (ytd only)* | 324.3243% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,057 |
| Loan loss allowance to noncurrent loans | 21.1111% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 6.3727% | 42 |
| Noncurrent loans to loans | 7.5960% | 51 |
| Net loans and leases to total assets | 56.0721% | 3,832 |
| Net loans and leases to deposits | 76.9569% | 2,989 |
| Net loans and leases to core deposits | 76.9569% | 3,435 |
| Total domestic deposits to total assets | 72.8617% | 4,734 |
| Equity capital to assets | 23.2144% | 142 |
| Core capital (leverage) ratio | 21.5620% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,688,500 | 5,021 |
| Average earning assets | $20,456,000 | 5,026 |
| Average equity | $5,821,000 | 4,747 |
| Average total loans | $14,305,500 | 4,919 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 539 |
| Cost of funding earning assets | 0.1679% | 5,019 |
| Net interest margin | 5.3555% | 140 |
| Noninterest income to average assets | 0.7246% | 1,729 |
| Noninterest expense to average assets | 4.5671% | 287 |
| Loan and lease loss provision to assets | 0.0392% | 3,237 |
| Net operating income to assets | 0.4779% | 4,456 |
| Return on assets (ROA) | 0.4779% | 4,498 |
| Pretax return on assets | 0.6150% | 4,386 |
| Return on Equity (ROE) | 2.0811% | 4,787 |
| Retained earnings to average equity (ytd only) | -3.1899% | 4,917 |
| Net charge-offs to loans | 0.0281% | 2,834 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 1,278 |
| Efficiency ratio | 87.4719% | 468 |
| Assets per employee ($millions) | 2.7141% | 4,936 |
| Cash dividends to net income (ytd only)* | 253.2787% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,049 |
| Loan loss allowance to noncurrent loans | 19.1201% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 6.9309% | 28 |
| Noncurrent loans to loans | 8.2123% | 36 |
| Net loans and leases to total assets | 57.9973% | 3,769 |
| Net loans and leases to deposits | 80.6318% | 2,704 |
| Net loans and leases to core deposits | 80.6318% | 3,243 |
| Total domestic deposits to total assets | 71.9286% | 4,868 |
| Equity capital to assets | 23.9489% | 135 |
| Core capital (leverage) ratio | 21.2309% | 191 |
| Tier 1 risk-based capital ratio | 35.8004% | 313 |
| Total risk-based capital ratio | 37.0615% | 305 |
| Memoranda: | ||
| Average total assets | $25,530,400 | 5,070 |
| Average earning assets | $21,436,000 | 5,075 |
| Average equity | $5,862,200 | 4,773 |
| Average total loans | $14,239,400 | 4,979 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 639 |
| Cost of funding earning assets | 0.1658% | 5,095 |
| Net interest margin | 5.2872% | 169 |
| Noninterest income to average assets | 0.7388% | 1,627 |
| Noninterest expense to average assets | 4.3141% | 357 |
| Loan and lease loss provision to assets | 0.0103% | 3,682 |
| Net operating income to assets | 0.7027% | 4,005 |
| Return on assets (ROA) | 0.7027% | 4,070 |
| Pretax return on assets | 0.8628% | 3,970 |
| Return on Equity (ROE) | 3.0916% | 4,752 |
| Retained earnings to average equity (ytd only) | -3.9327% | 5,025 |
| Net charge-offs to loans | 0.0094% | 3,035 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 169.4211% | 497 |
| Efficiency ratio | 83.1673% | 676 |
| Assets per employee ($millions) | 2.8274% | 4,966 |
| Cash dividends to net income (ytd only)* | 227.2045% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,210 |
| Loan loss allowance to noncurrent loans | 20.8885% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 6.2640% | 44 |
| Noncurrent loans to loans | 7.2481% | 51 |
| Net loans and leases to total assets | 56.4939% | 4,018 |
| Net loans and leases to deposits | 77.5446% | 3,147 |
| Net loans and leases to core deposits | 77.5446% | 3,587 |
| Total domestic deposits to total assets | 72.8534% | 4,876 |
| Equity capital to assets | 23.0558% | 161 |
| Core capital (leverage) ratio | 21.1955% | 194 |
| Tier 1 risk-based capital ratio | 34.9363% | 346 |
| Total risk-based capital ratio | 36.1905% | 341 |
| Memoranda: | ||
| Average total assets | $25,806,250 | 5,143 |
| Average earning assets | $21,712,250 | 5,149 |
| Average equity | $5,865,250 | 4,839 |
| Average total loans | $14,201,000 | 5,060 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 603 |
| Cost of funding earning assets | 0.1649% | 5,135 |
| Net interest margin | 5.3028% | 166 |
| Noninterest income to average assets | 0.7251% | 1,624 |
| Noninterest expense to average assets | 4.2737% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7174% | 3,946 |
| Return on assets (ROA) | 0.7174% | 4,004 |
| Pretax return on assets | 0.9180% | 3,795 |
| Return on Equity (ROE) | 3.1715% | 4,760 |
| Retained earnings to average equity (ytd only) | -7.3661% | 5,124 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3180% | 781 |
| Assets per employee ($millions) | 2.8003% | 5,013 |
| Cash dividends to net income (ytd only)* | 332.2581% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,277 |
| Loan loss allowance to noncurrent loans | 33.7942% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 4.7137% | 81 |
| Noncurrent loans to loans | 4.4397% | 140 |
| Net loans and leases to total assets | 57.3067% | 3,979 |
| Net loans and leases to deposits | 78.7857% | 3,083 |
| Net loans and leases to core deposits | 78.7857% | 3,521 |
| Total domestic deposits to total assets | 72.7374% | 4,923 |
| Equity capital to assets | 23.1004% | 159 |
| Core capital (leverage) ratio | 20.7904% | 207 |
| Tier 1 risk-based capital ratio | 35.0760% | 338 |
| Total risk-based capital ratio | 36.3322% | 331 |
| Memoranda: | ||
| Average total assets | $25,926,000 | 5,189 |
| Average earning assets | $21,837,670 | 5,198 |
| Average equity | $5,864,670 | 4,868 |
| Average total loans | $14,069,000 | 5,107 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 816 |
| Cost of funding earning assets | 0.1441% | 5,220 |
| Net interest margin | 5.1162% | 235 |
| Noninterest income to average assets | 0.7000% | 1,616 |
| Noninterest expense to average assets | 4.0932% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6543% | 4,076 |
| Return on assets (ROA) | 0.6543% | 4,113 |
| Pretax return on assets | 0.9282% | 3,667 |
| Return on Equity (ROE) | 2.9222% | 4,803 |
| Retained earnings to average equity (ytd only) | -14.0673% | 5,193 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5152% | 922 |
| Assets per employee ($millions) | 2.8986% | 5,022 |
| Cash dividends to net income (ytd only)* | 581.3953% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,119 |
| Loan loss allowance to noncurrent loans | 36.9128% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 4.3470% | 94 |
| Noncurrent loans to loans | 4.2638% | 164 |
| Net loans and leases to total assets | 52.7389% | 4,289 |
| Net loans and leases to deposits | 71.5780% | 3,634 |
| Net loans and leases to core deposits | 71.5780% | 3,976 |
| Total domestic deposits to total assets | 73.6804% | 4,955 |
| Equity capital to assets | 22.2410% | 169 |
| Core capital (leverage) ratio | 20.3788% | 228 |
| Tier 1 risk-based capital ratio | 35.6700% | 307 |
| Total risk-based capital ratio | 36.9176% | 301 |
| Memoranda: | ||
| Average total assets | $26,287,500 | 5,241 |
| Average earning assets | $22,204,000 | 5,250 |
| Average equity | $5,886,000 | 4,904 |
| Average total loans | $13,772,000 | 5,170 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 1,039 |
| Cost of funding earning assets | 0.2203% | 4,920 |
| Net interest margin | 4.7837% | 410 |
| Noninterest income to average assets | 0.6611% | 2,009 |
| Noninterest expense to average assets | 3.9524% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7215% | 4,069 |
| Return on assets (ROA) | 0.7215% | 4,076 |
| Pretax return on assets | 0.7215% | 4,359 |
| Return on Equity (ROE) | 3.4559% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,685 |
| Net charge-offs to loans | 0.1968% | 978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 3,006 |
| Efficiency ratio | 84.5627% | 608 |
| Assets per employee ($millions) | 2.9431% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 985 |
| Loan loss allowance to noncurrent loans | 38.2609% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 4.0018% | 118 |
| Noncurrent loans to loans | 4.2385% | 168 |
| Net loans and leases to total assets | 50.3851% | 4,494 |
| Net loans and leases to deposits | 68.6346% | 3,935 |
| Net loans and leases to core deposits | 68.6346% | 4,202 |
| Total domestic deposits to total assets | 73.4106% | 4,981 |
| Equity capital to assets | 22.5385% | 157 |
| Core capital (leverage) ratio | 20.5813% | 214 |
| Tier 1 risk-based capital ratio | 37.2766% | 272 |
| Total risk-based capital ratio | 38.5303% | 269 |
| Memoranda: | ||
| Average total assets | $28,134,600 | 5,265 |
| Average earning assets | $23,601,200 | 5,278 |
| Average equity | $5,874,000 | 4,918 |
| Average total loans | $14,227,400 | 5,210 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 1,055 |
| Cost of funding earning assets | 0.2400% | 4,846 |
| Net interest margin | 4.7051% | 473 |
| Noninterest income to average assets | 0.6586% | 2,032 |
| Noninterest expense to average assets | 3.8673% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7286% | 4,142 |
| Return on assets (ROA) | 0.7286% | 4,151 |
| Pretax return on assets | 0.7286% | 4,472 |
| Return on Equity (ROE) | 3.5554% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.5554% | 3,989 |
| Net charge-offs to loans | 0.0648% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.2926% | 1,886 |
| Efficiency ratio | 84.1463% | 632 |
| Assets per employee ($millions) | 3.0161% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 787 |
| Loan loss allowance to noncurrent loans | 80.8725% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.8845% | 264 |
| Noncurrent loans to loans | 2.1722% | 654 |
| Net loans and leases to total assets | 49.6519% | 4,621 |
| Net loans and leases to deposits | 66.9049% | 4,136 |
| Net loans and leases to core deposits | 66.9049% | 4,361 |
| Total domestic deposits to total assets | 74.2126% | 4,957 |
| Equity capital to assets | 21.7130% | 174 |
| Core capital (leverage) ratio | 19.8246% | 242 |
| Tier 1 risk-based capital ratio | 36.0321% | 300 |
| Total risk-based capital ratio | 37.2881% | 299 |
| Memoranda: | ||
| Average total assets | $28,546,250 | 5,331 |
| Average earning assets | $23,888,500 | 5,341 |
| Average equity | $5,850,000 | 4,972 |
| Average total loans | $14,392,750 | 5,272 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 1,110 |
| Cost of funding earning assets | 0.2713% | 4,625 |
| Net interest margin | 4.5874% | 566 |
| Noninterest income to average assets | 0.6618% | 2,043 |
| Noninterest expense to average assets | 3.7362% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7721% | 3,947 |
| Return on assets (ROA) | 0.7721% | 3,953 |
| Pretax return on assets | 0.7721% | 4,326 |
| Return on Equity (ROE) | 3.8387% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.8387% | 3,682 |
| Net charge-offs to loans | 0.1095% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,122 |
| Efficiency ratio | 82.8746% | 770 |
| Assets per employee ($millions) | 3.5049% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 965 |
| Loan loss allowance to noncurrent loans | 36.6412% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.4109% | 372 |
| Noncurrent loans to loans | 4.5496% | 166 |
| Net loans and leases to total assets | 50.4904% | 4,578 |
| Net loans and leases to deposits | 67.2318% | 4,083 |
| Net loans and leases to core deposits | 67.2318% | 4,298 |
| Total domestic deposits to total assets | 75.0990% | 4,950 |
| Equity capital to assets | 20.9351% | 189 |
| Core capital (leverage) ratio | 19.2302% | 257 |
| Tier 1 risk-based capital ratio | 34.6905% | 336 |
| Total risk-based capital ratio | 35.9428% | 334 |
| Memoranda: | ||
| Average total assets | $29,013,330 | 5,385 |
| Average earning assets | $24,327,670 | 5,399 |
| Average equity | $5,835,330 | 5,029 |
| Average total loans | $14,617,330 | 5,328 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 1,075 |
| Cost of funding earning assets | 0.2931% | 4,401 |
| Net interest margin | 4.5108% | 603 |
| Noninterest income to average assets | 0.6373% | 2,090 |
| Noninterest expense to average assets | 3.6610% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7322% | 3,977 |
| Return on assets (ROA) | 0.7322% | 3,982 |
| Pretax return on assets | 0.7322% | 4,346 |
| Return on Equity (ROE) | 3.7126% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.7126% | 3,711 |
| Net charge-offs to loans | 0.0272% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 904 |
| Efficiency ratio | 83.3333% | 840 |
| Assets per employee ($millions) | 3.7253% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 955 |
| Loan loss allowance to noncurrent loans | 39.1442% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.1878% | 481 |
| Noncurrent loans to loans | 4.3317% | 213 |
| Net loans and leases to total assets | 48.0505% | 4,692 |
| Net loans and leases to deposits | 70.3478% | 3,757 |
| Net loans and leases to core deposits | 70.3478% | 4,066 |
| Total domestic deposits to total assets | 68.3041% | 5,410 |
| Equity capital to assets | 19.5457% | 233 |
| Core capital (leverage) ratio | 18.1000% | 309 |
| Tier 1 risk-based capital ratio | 33.1391% | 368 |
| Total risk-based capital ratio | 34.3932% | 360 |
| Memoranda: | ||
| Average total assets | $29,500,500 | 5,439 |
| Average earning assets | $24,563,000 | 5,458 |
| Average equity | $5,818,000 | 5,085 |
| Average total loans | $14,727,500 | 5,385 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,070 |
| Cost of funding earning assets | 0.2489% | 4,575 |
| Net interest margin | 4.5049% | 603 |
| Noninterest income to average assets | 0.6880% | 2,015 |
| Noninterest expense to average assets | 4.8496% | 240 |
| Loan and lease loss provision to assets | 0.4216% | 338 |
| Net operating income to assets | -0.7656% | 5,566 |
| Return on assets (ROA) | -0.7656% | 5,566 |
| Pretax return on assets | -0.7993% | 5,578 |
| Return on Equity (ROE) | -3.7392% | 5,514 |
| Retained earnings to average equity (ytd only) | -5.3864% | 5,445 |
| Net charge-offs to loans | 1.4438% | 111 |
| Credit loss provision to net charge-offs | 56.8182% | 3,251 |
| Earnings coverage of net charge-offs (x) | -0.5091% | 4,034 |
| Efficiency ratio | 108.4465% | 110 |
| Assets per employee ($millions) | 3.6499% | 4,503 |
| Cash dividends to net income (ytd only)* | -44.0529% | 5,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,001 |
| Loan loss allowance to noncurrent loans | 26.3830% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.2912% | 225 |
| Noncurrent loans to loans | 6.3138% | 81 |
| Net loans and leases to total assets | 50.1387% | 4,637 |
| Net loans and leases to deposits | 74.1416% | 3,511 |
| Net loans and leases to core deposits | 74.1416% | 3,871 |
| Total domestic deposits to total assets | 67.6256% | 5,486 |
| Equity capital to assets | 19.9014% | 212 |
| Core capital (leverage) ratio | 18.1059% | 285 |
| Tier 1 risk-based capital ratio | 32.3829% | 384 |
| Total risk-based capital ratio | 33.6397% | 380 |
| Memoranda: | ||
| Average total assets | $29,651,800 | 5,494 |
| Average earning assets | $24,906,200 | 5,511 |
| Average equity | $6,070,800 | 5,089 |
| Average total loans | $15,237,400 | 5,433 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,128 |
| Cost of funding earning assets | 0.2340% | 4,717 |
| Net interest margin | 4.4677% | 641 |
| Noninterest income to average assets | 0.7749% | 1,683 |
| Noninterest expense to average assets | 5.1245% | 207 |
| Loan and lease loss provision to assets | 0.5599% | 198 |
| Net operating income to assets | -1.1019% | 5,675 |
| Return on assets (ROA) | -1.1019% | 5,674 |
| Pretax return on assets | -1.1467% | 5,674 |
| Return on Equity (ROE) | -5.3456% | 5,636 |
| Retained earnings to average equity (ytd only) | -5.3456% | 5,552 |
| Net charge-offs to loans | 1.9228% | 76 |
| Credit loss provision to net charge-offs | 56.5611% | 2,846 |
| Earnings coverage of net charge-offs (x) | -0.5928% | 3,713 |
| Efficiency ratio | 112.9319% | 81 |
| Assets per employee ($millions) | 3.7129% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,161 |
| Loan loss allowance to noncurrent loans | 25.8368% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 3.7134% | 187 |
| Noncurrent loans to loans | 6.3320% | 93 |
| Net loans and leases to total assets | 49.9983% | 4,701 |
| Net loans and leases to deposits | 73.8892% | 3,586 |
| Net loans and leases to core deposits | 73.8892% | 3,981 |
| Total domestic deposits to total assets | 67.6666% | 5,545 |
| Equity capital to assets | 19.9845% | 227 |
| Core capital (leverage) ratio | 18.1211% | 300 |
| Tier 1 risk-based capital ratio | 32.1673% | 414 |
| Total risk-based capital ratio | 33.4210% | 402 |
| Memoranda: | ||
| Average total assets | $29,765,000 | 5,551 |
| Average earning assets | $25,068,000 | 5,572 |
| Average equity | $6,135,750 | 5,141 |
| Average total loans | $15,324,750 | 5,492 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 1,201 |
| Cost of funding earning assets | 0.2227% | 4,776 |
| Net interest margin | 4.4055% | 696 |
| Noninterest income to average assets | 0.8125% | 1,524 |
| Noninterest expense to average assets | 4.1765% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4230% | 4,920 |
| Return on assets (ROA) | 0.4230% | 4,948 |
| Pretax return on assets | 0.3559% | 5,261 |
| Return on Equity (ROE) | 2.0315% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.0315% | 4,443 |
| Net charge-offs to loans | 0.1948% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.5333% | 3,034 |
| Efficiency ratio | 92.1481% | 358 |
| Assets per employee ($millions) | 3.2947% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 476 |
| Loan loss allowance to noncurrent loans | 30.1194% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 4.0537% | 167 |
| Noncurrent loans to loans | 7.0898% | 67 |
| Net loans and leases to total assets | 50.6947% | 4,660 |
| Net loans and leases to deposits | 75.3031% | 3,426 |
| Net loans and leases to core deposits | 75.3031% | 3,829 |
| Total domestic deposits to total assets | 67.3209% | 5,611 |
| Equity capital to assets | 21.0981% | 178 |
| Core capital (leverage) ratio | 19.1401% | 234 |
| Tier 1 risk-based capital ratio | 33.4495% | 348 |
| Total risk-based capital ratio | 34.7108% | 346 |
| Memoranda: | ||
| Average total assets | $29,785,670 | 5,598 |
| Average earning assets | $25,150,330 | 5,616 |
| Average equity | $6,202,330 | 5,159 |
| Average total loans | $15,400,330 | 5,538 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 1,668 |
| Cost of funding earning assets | 0.2053% | 4,925 |
| Net interest margin | 4.1858% | 1,017 |
| Noninterest income to average assets | 0.9245% | 1,176 |
| Noninterest expense to average assets | 4.1404% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4690% | 4,709 |
| Return on assets (ROA) | 0.4690% | 4,733 |
| Pretax return on assets | 0.3350% | 5,263 |
| Return on Equity (ROE) | 2.2670% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.2670% | 4,232 |
| Net charge-offs to loans | 0.2335% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 2,551 |
| Efficiency ratio | 92.5150% | 428 |
| Assets per employee ($millions) | 3.3399% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 491 |
| Loan loss allowance to noncurrent loans | 29.5575% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 4.1419% | 178 |
| Noncurrent loans to loans | 7.3731% | 73 |
| Net loans and leases to total assets | 49.8752% | 4,683 |
| Net loans and leases to deposits | 73.2747% | 3,473 |
| Net loans and leases to core deposits | 73.2747% | 3,897 |
| Total domestic deposits to total assets | 68.0661% | 5,676 |
| Equity capital to assets | 20.6261% | 190 |
| Core capital (leverage) ratio | 18.8784% | 239 |
| Tier 1 risk-based capital ratio | 32.8921% | 382 |
| Total risk-based capital ratio | 34.1505% | 372 |
| Memoranda: | ||
| Average total assets | $29,852,500 | 5,666 |
| Average earning assets | $25,323,500 | 5,679 |
| Average equity | $6,175,500 | 5,208 |
| Average total loans | $15,420,500 | 5,604 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 338 |
| Cost of funding earning assets | 0.1888% | 5,120 |
| Net interest margin | 5.1431% | 187 |
| Noninterest income to average assets | 0.7745% | 1,859 |
| Noninterest expense to average assets | 4.4638% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6829% | 3,860 |
| Return on assets (ROA) | 0.6829% | 3,975 |
| Pretax return on assets | 0.7217% | 4,420 |
| Return on Equity (ROE) | 3.0854% | 5,132 |
| Retained earnings to average equity (ytd only) | 0.2227% | 5,230 |
| Net charge-offs to loans | 0.4149% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.9710% | 3,739 |
| Efficiency ratio | 86.0828% | 812 |
| Assets per employee ($millions) | 3.2940% | 5,053 |
| Cash dividends to net income (ytd only)* | 92.7835% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 459 |
| Loan loss allowance to noncurrent loans | 672.5490% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 2,758 |
| Noncurrent loans to loans | 0.3287% | 3,963 |
| Net loans and leases to total assets | 51.1772% | 4,674 |
| Net loans and leases to deposits | 75.4300% | 3,374 |
| Net loans and leases to core deposits | 75.4300% | 3,801 |
| Total domestic deposits to total assets | 67.8473% | 5,720 |
| Equity capital to assets | 20.7482% | 187 |
| Core capital (leverage) ratio | 19.3567% | 211 |
| Tier 1 risk-based capital ratio | 33.5937% | 359 |
| Total risk-based capital ratio | 34.8566% | 352 |
| Memoranda: | ||
| Average total assets | $28,406,600 | 5,737 |
| Average earning assets | $24,362,600 | 5,743 |
| Average equity | $6,287,600 | 5,229 |
| Average total loans | $16,630,200 | 5,624 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 263 |
| Cost of funding earning assets | 0.1818% | 5,254 |
| Net interest margin | 5.2840% | 148 |
| Noninterest income to average assets | 0.8257% | 1,664 |
| Noninterest expense to average assets | 4.5271% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7972% | 3,375 |
| Return on assets (ROA) | 0.7972% | 3,516 |
| Pretax return on assets | 0.8494% | 4,157 |
| Return on Equity (ROE) | 3.5432% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.5432% | 3,775 |
| Net charge-offs to loans | 0.4968% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.8412% | 3,512 |
| Efficiency ratio | 84.2012% | 984 |
| Assets per employee ($millions) | 3.1724% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 538 |
| Loan loss allowance to noncurrent loans | 86.8159% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 857 |
| Noncurrent loans to loans | 2.5134% | 699 |
| Net loans and leases to total assets | 54.7948% | 4,422 |
| Net loans and leases to deposits | 83.4222% | 2,555 |
| Net loans and leases to core deposits | 83.4222% | 3,180 |
| Total domestic deposits to total assets | 65.6837% | 5,826 |
| Equity capital to assets | 22.4468% | 151 |
| Core capital (leverage) ratio | 20.5931% | 182 |
| Tier 1 risk-based capital ratio | 45.5057% | 173 |
| Total risk-based capital ratio | 46.7760% | 172 |
| Memoranda: | ||
| Average total assets | $28,096,750 | 5,802 |
| Average earning assets | $24,198,000 | 5,803 |
| Average equity | $6,321,750 | 5,278 |
| Average total loans | $16,909,000 | 5,671 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 207 |
| Cost of funding earning assets | 0.1748% | 5,371 |
| Net interest margin | 5.4515% | 125 |
| Noninterest income to average assets | 0.9018% | 1,369 |
| Noninterest expense to average assets | 4.5876% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9662% | 2,544 |
| Return on assets (ROA) | 0.9662% | 2,687 |
| Pretax return on assets | 1.0020% | 3,576 |
| Return on Equity (ROE) | 4.2907% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.2907% | 3,189 |
| Net charge-offs to loans | 0.6158% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.6415% | 3,242 |
| Efficiency ratio | 82.0743% | 1,260 |
| Assets per employee ($millions) | 3.0251% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 578 |
| Loan loss allowance to noncurrent loans | 579.0323% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 2,661 |
| Noncurrent loans to loans | 0.3713% | 4,033 |
| Net loans and leases to total assets | 60.0051% | 3,887 |
| Net loans and leases to deposits | 93.5467% | 1,333 |
| Net loans and leases to core deposits | 93.5467% | 2,206 |
| Total domestic deposits to total assets | 64.1446% | 5,928 |
| Equity capital to assets | 23.4776% | 122 |
| Core capital (leverage) ratio | 20.7776% | 170 |
| Tier 1 risk-based capital ratio | 46.1797% | 165 |
| Total risk-based capital ratio | 47.4518% | 163 |
| Memoranda: | ||
| Average total assets | $27,945,000 | 5,881 |
| Average earning assets | $24,030,000 | 5,879 |
| Average equity | $6,292,670 | 5,329 |
| Average total loans | $17,214,000 | 5,730 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 185 |
| Cost of funding earning assets | 0.1640% | 5,517 |
| Net interest margin | 5.5284% | 110 |
| Noninterest income to average assets | 0.9610% | 1,161 |
| Noninterest expense to average assets | 4.6070% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1306% | 1,786 |
| Return on assets (ROA) | 1.1306% | 1,896 |
| Pretax return on assets | 1.1164% | 3,031 |
| Return on Equity (ROE) | 5.1257% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.1257% | 2,857 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4938% | 1,548 |
| Assets per employee ($millions) | 3.0826% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4164% | 432 |
| Loan loss allowance to noncurrent loans | 2,060.0000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 3,240 |
| Noncurrent loans to loans | 0.1173% | 5,007 |
| Net loans and leases to total assets | 59.9719% | 3,776 |
| Net loans and leases to deposits | 91.9531% | 1,352 |
| Net loans and leases to core deposits | 91.9531% | 2,186 |
| Total domestic deposits to total assets | 65.2201% | 5,981 |
| Equity capital to assets | 22.7156% | 140 |
| Core capital (leverage) ratio | 20.4425% | 182 |
| Tier 1 risk-based capital ratio | 45.1320% | 173 |
| Total risk-based capital ratio | 46.4118% | 170 |
| Memoranda: | ||
| Average total assets | $28,304,500 | 5,934 |
| Average earning assets | $24,383,000 | 5,933 |
| Average equity | $6,243,000 | 5,374 |
| Average total loans | $17,473,000 | 5,770 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 229 |
| Cost of funding earning assets | 0.1512% | 5,675 |
| Net interest margin | 5.4615% | 132 |
| Noninterest income to average assets | 1.0413% | 1,090 |
| Noninterest expense to average assets | 4.6069% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0593% | 2,085 |
| Return on assets (ROA) | 1.0593% | 2,169 |
| Pretax return on assets | 1.1023% | 3,049 |
| Return on Equity (ROE) | 4.7312% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.2028% | 5,027 |
| Net charge-offs to loans | 0.1395% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.7917% | 2,426 |
| Efficiency ratio | 80.6918% | 1,583 |
| Assets per employee ($millions) | 2.8866% | 5,626 |
| Cash dividends to net income (ytd only)* | 74.5763% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 511 |
| Loan loss allowance to noncurrent loans | 144.5614% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 1,587 |
| Noncurrent loans to loans | 1.5925% | 1,441 |
| Net loans and leases to total assets | 60.5695% | 3,755 |
| Net loans and leases to deposits | 90.3192% | 1,578 |
| Net loans and leases to core deposits | 90.3192% | 2,379 |
| Total domestic deposits to total assets | 67.0616% | 5,991 |
| Equity capital to assets | 21.4231% | 162 |
| Core capital (leverage) ratio | 19.6564% | 209 |
| Tier 1 risk-based capital ratio | 42.1069% | 203 |
| Total risk-based capital ratio | 43.3796% | 198 |
| Memoranda: | ||
| Average total assets | $27,849,800 | 5,992 |
| Average earning assets | $23,803,200 | 5,996 |
| Average equity | $6,235,200 | 5,387 |
| Average total loans | $17,200,000 | 5,822 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6193% | 221 |
| Cost of funding earning assets | 0.1360% | 5,880 |
| Net interest margin | 5.4834% | 128 |
| Noninterest income to average assets | 1.0871% | 1,018 |
| Noninterest expense to average assets | 4.5948% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1402% | 1,866 |
| Return on assets (ROA) | 1.1402% | 1,931 |
| Pretax return on assets | 1.1692% | 2,933 |
| Return on Equity (ROE) | 5.0362% | 4,612 |
| Retained earnings to average equity (ytd only) | 5.0362% | 2,891 |
| Net charge-offs to loans | 0.1879% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.0831% | 2,629 |
| Efficiency ratio | 79.7150% | 1,701 |
| Assets per employee ($millions) | 2.8051% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3231% | 556 |
| Loan loss allowance to noncurrent loans | 605.8824% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 3,311 |
| Noncurrent loans to loans | 0.3834% | 4,238 |
| Net loans and leases to total assets | 61.7554% | 3,647 |
| Net loans and leases to deposits | 94.3570% | 1,161 |
| Net loans and leases to core deposits | 94.3570% | 2,040 |
| Total domestic deposits to total assets | 65.4486% | 6,105 |
| Equity capital to assets | 22.7229% | 135 |
| Core capital (leverage) ratio | 20.2733% | 197 |
| Tier 1 risk-based capital ratio | 44.4934% | 188 |
| Total risk-based capital ratio | 45.7687% | 187 |
| Memoranda: | ||
| Average total assets | $27,595,750 | 6,079 |
| Average earning assets | $23,537,250 | 6,085 |
| Average equity | $6,248,000 | 5,449 |
| Average total loans | $17,026,000 | 5,898 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 251 |
| Cost of funding earning assets | 0.1286% | 5,992 |
| Net interest margin | 5.4032% | 141 |
| Noninterest income to average assets | 1.1733% | 879 |
| Noninterest expense to average assets | 4.5839% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1660% | 1,718 |
| Return on assets (ROA) | 1.1660% | 1,786 |
| Pretax return on assets | 1.1806% | 2,854 |
| Return on Equity (ROE) | 5.1563% | 4,547 |
| Retained earnings to average equity (ytd only) | 5.1563% | 2,761 |
| Net charge-offs to loans | 0.0238% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 698 |
| Efficiency ratio | 79.5196% | 1,834 |
| Assets per employee ($millions) | 2.8025% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5135% | 477 |
| Loan loss allowance to noncurrent loans | 214.8515% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 2,836 |
| Noncurrent loans to loans | 1.1699% | 2,311 |
| Net loans and leases to total assets | 60.0642% | 3,830 |
| Net loans and leases to deposits | 91.9384% | 1,386 |
| Net loans and leases to core deposits | 91.9384% | 2,168 |
| Total domestic deposits to total assets | 65.3310% | 6,183 |
| Equity capital to assets | 22.3764% | 141 |
| Core capital (leverage) ratio | 20.2000% | 194 |
| Tier 1 risk-based capital ratio | 48.0028% | 166 |
| Total risk-based capital ratio | 49.2855% | 162 |
| Memoranda: | ||
| Average total assets | $27,444,000 | 6,151 |
| Average earning assets | $23,319,670 | 6,158 |
| Average equity | $6,206,000 | 5,499 |
| Average total loans | $16,789,670 | 5,975 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 204 |
| Cost of funding earning assets | 0.1218% | 6,102 |
| Net interest margin | 5.5496% | 115 |
| Noninterest income to average assets | 0.7807% | 1,783 |
| Noninterest expense to average assets | 4.4782% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0164% | 2,188 |
| Return on assets (ROA) | 1.0164% | 2,327 |
| Pretax return on assets | 1.0017% | 3,497 |
| Return on Equity (ROE) | 4.4707% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.4707% | 3,336 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7204% | 1,655 |
| Assets per employee ($millions) | 2.6692% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 465 |
| Loan loss allowance to noncurrent loans | 947.8261% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 4,002 |
| Noncurrent loans to loans | 0.2738% | 4,799 |
| Net loans and leases to total assets | 61.3030% | 3,479 |
| Net loans and leases to deposits | 83.2130% | 2,179 |
| Net loans and leases to core deposits | 83.2130% | 2,846 |
| Total domestic deposits to total assets | 73.6700% | 5,929 |
| Equity capital to assets | 23.3216% | 119 |
| Core capital (leverage) ratio | 19.9833% | 207 |
| Tier 1 risk-based capital ratio | 34.4048% | 382 |
| Total risk-based capital ratio | 35.6704% | 374 |
| Memoranda: | ||
| Average total assets | $27,153,500 | 6,220 |
| Average earning assets | $22,992,500 | 6,227 |
| Average equity | $6,173,500 | 5,560 |
| Average total loans | $16,551,000 | 6,035 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 352 |
| Cost of funding earning assets | 0.1334% | 6,184 |
| Net interest margin | 5.3068% | 180 |
| Noninterest income to average assets | 1.3851% | 638 |
| Noninterest expense to average assets | 4.5982% | 423 |
| Loan and lease loss provision to assets | 0.0177% | 4,259 |
| Net operating income to assets | 1.2115% | 1,549 |
| Return on assets (ROA) | 1.2115% | 1,607 |
| Pretax return on assets | 1.2789% | 2,312 |
| Return on Equity (ROE) | 5.5385% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.4899% | 5,097 |
| Net charge-offs to loans | -0.0060% | 5,486 |
| Credit loss provision to net charge-offs | -500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0048% | 2,209 |
| Assets per employee ($millions) | 2.7615% | 5,970 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6744% | 440 |
| Loan loss allowance to noncurrent loans | 1,063.4146% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 4,423 |
| Noncurrent loans to loans | 0.2515% | 4,932 |
| Net loans and leases to total assets | 57.4579% | 4,122 |
| Net loans and leases to deposits | 76.6929% | 3,120 |
| Net loans and leases to core deposits | 76.6929% | 3,640 |
| Total domestic deposits to total assets | 74.9194% | 5,868 |
| Equity capital to assets | 22.1691% | 146 |
| Core capital (leverage) ratio | 20.2671% | 203 |
| Tier 1 risk-based capital ratio | 30.9013% | 475 |
| Total risk-based capital ratio | 32.1677% | 465 |
| Memoranda: | ||
| Average total assets | $28,228,400 | 6,286 |
| Average earning assets | $23,988,000 | 6,294 |
| Average equity | $6,175,000 | 5,581 |
| Average total loans | $16,534,800 | 6,103 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4288% | 354 |
| Cost of funding earning assets | 0.1379% | 6,251 |
| Net interest margin | 5.2908% | 178 |
| Noninterest income to average assets | 1.7851% | 411 |
| Noninterest expense to average assets | 4.4347% | 496 |
| Loan and lease loss provision to assets | 0.0235% | 3,937 |
| Net operating income to assets | 1.7710% | 534 |
| Return on assets (ROA) | 1.7710% | 551 |
| Pretax return on assets | 1.8321% | 829 |
| Return on Equity (ROE) | 8.1227% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.1227% | 1,302 |
| Net charge-offs to loans | -0.0080% | 5,386 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5004% | 3,419 |
| Assets per employee ($millions) | 2.7423% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6042% | 569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 4,853 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.4610% | 3,874 |
| Net loans and leases to deposits | 82.5495% | 2,354 |
| Net loans and leases to core deposits | 82.5495% | 3,052 |
| Total domestic deposits to total assets | 72.0308% | 6,169 |
| Equity capital to assets | 23.3308% | 127 |
| Core capital (leverage) ratio | 19.8891% | 216 |
| Tier 1 risk-based capital ratio | 32.1765% | 431 |
| Total risk-based capital ratio | 33.4406% | 424 |
| Memoranda: | ||
| Average total assets | $28,381,750 | 6,356 |
| Average earning assets | $24,167,000 | 6,367 |
| Average equity | $6,188,250 | 5,642 |
| Average total loans | $16,592,750 | 6,167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 463 |
| Cost of funding earning assets | 0.1392% | 6,316 |
| Net interest margin | 5.1175% | 233 |
| Noninterest income to average assets | 2.1881% | 303 |
| Noninterest expense to average assets | 4.4737% | 461 |
| Loan and lease loss provision to assets | 0.0348% | 3,592 |
| Net operating income to assets | 1.9929% | 344 |
| Return on assets (ROA) | 1.9929% | 355 |
| Pretax return on assets | 2.0347% | 520 |
| Return on Equity (ROE) | 9.3490% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.3490% | 868 |
| Net charge-offs to loans | -0.0363% | 5,754 |
| Credit loss provision to net charge-offs | -166.6667% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3706% | 3,942 |
| Assets per employee ($millions) | 3.0336% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6533% | 568 |
| Loan loss allowance to noncurrent loans | 371.1864% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 3,509 |
| Noncurrent loans to loans | 0.7148% | 3,916 |
| Net loans and leases to total assets | 52.9734% | 4,646 |
| Net loans and leases to deposits | 69.0678% | 3,931 |
| Net loans and leases to core deposits | 69.0678% | 4,359 |
| Total domestic deposits to total assets | 76.6977% | 5,833 |
| Equity capital to assets | 20.8103% | 184 |
| Core capital (leverage) ratio | 19.8908% | 202 |
| Tier 1 risk-based capital ratio | 30.9299% | 487 |
| Total risk-based capital ratio | 32.1923% | 481 |
| Memoranda: | ||
| Average total assets | $28,701,330 | 6,411 |
| Average earning assets | $24,426,000 | 6,422 |
| Average equity | $6,118,330 | 5,690 |
| Average total loans | $16,543,000 | 6,218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 429 |
| Cost of funding earning assets | 0.1187% | 6,501 |
| Net interest margin | 5.1540% | 202 |
| Noninterest income to average assets | 0.9898% | 1,152 |
| Noninterest expense to average assets | 4.6478% | 399 |
| Loan and lease loss provision to assets | 0.0717% | 2,707 |
| Net operating income to assets | 0.6599% | 3,893 |
| Return on assets (ROA) | 0.6599% | 3,989 |
| Pretax return on assets | 0.6312% | 4,718 |
| Return on Equity (ROE) | 3.0560% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.0560% | 4,282 |
| Net charge-offs to loans | -0.0725% | 5,969 |
| Credit loss provision to net charge-offs | -166.6667% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8633% | 1,354 |
| Assets per employee ($millions) | 2.7061% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7074% | 616 |
| Loan loss allowance to noncurrent loans | 238.0435% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 2,932 |
| Noncurrent loans to loans | 1.1373% | 3,145 |
| Net loans and leases to total assets | 58.1649% | 3,820 |
| Net loans and leases to deposits | 77.5293% | 2,620 |
| Net loans and leases to core deposits | 77.5293% | 3,245 |
| Total domestic deposits to total assets | 75.0231% | 6,156 |
| Equity capital to assets | 22.3347% | 140 |
| Core capital (leverage) ratio | 19.8999% | 209 |
| Tier 1 risk-based capital ratio | 31.1630% | 482 |
| Total risk-based capital ratio | 32.4280% | 473 |
| Memoranda: | ||
| Average total assets | $27,884,000 | 6,495 |
| Average earning assets | $23,593,500 | 6,511 |
| Average equity | $6,021,000 | 5,742 |
| Average total loans | $16,560,500 | 6,281 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 425 |
| Cost of funding earning assets | 0.1508% | 6,537 |
| Net interest margin | 5.2600% | 198 |
| Noninterest income to average assets | 0.7496% | 2,292 |
| Noninterest expense to average assets | 4.6392% | 467 |
| Loan and lease loss provision to assets | 0.0884% | 3,342 |
| Net operating income to assets | 0.4349% | 5,016 |
| Return on assets (ROA) | 0.4349% | 5,139 |
| Pretax return on assets | 0.4632% | 5,313 |
| Return on Equity (ROE) | 2.0276% | 5,830 |
| Retained earnings to average equity (ytd only) | -1.2693% | 6,097 |
| Net charge-offs to loans | 0.0772% | 4,135 |
| Credit loss provision to net charge-offs | 192.3077% | 1,186 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,181 |
| Efficiency ratio | 89.3733% | 1,075 |
| Assets per employee ($millions) | 2.8707% | 6,018 |
| Cash dividends to net income (ytd only)* | 162.6016% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5379% | 791 |
| Loan loss allowance to noncurrent loans | 355.3719% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 3,228 |
| Noncurrent loans to loans | 0.7142% | 4,177 |
| Net loans and leases to total assets | 57.5226% | 4,115 |
| Net loans and leases to deposits | 75.0318% | 3,096 |
| Net loans and leases to core deposits | 75.0318% | 3,729 |
| Total domestic deposits to total assets | 76.6642% | 6,033 |
| Equity capital to assets | 20.8939% | 168 |
| Core capital (leverage) ratio | 19.9543% | 203 |
| Tier 1 risk-based capital ratio | 29.0888% | 548 |
| Total risk-based capital ratio | 30.3507% | 539 |
| Memoranda: | ||
| Average total assets | $28,280,800 | 6,556 |
| Average earning assets | $23,878,400 | 6,579 |
| Average equity | $6,066,200 | 5,809 |
| Average total loans | $16,833,000 | 6,330 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 436 |
| Cost of funding earning assets | 0.1572% | 6,612 |
| Net interest margin | 5.2508% | 201 |
| Noninterest income to average assets | 0.7572% | 2,333 |
| Noninterest expense to average assets | 4.6282% | 462 |
| Loan and lease loss provision to assets | 0.0947% | 3,184 |
| Net operating income to assets | 0.4354% | 5,091 |
| Return on assets (ROA) | 0.4354% | 5,237 |
| Pretax return on assets | 0.4590% | 5,477 |
| Return on Equity (ROE) | 2.0164% | 5,932 |
| Retained earnings to average equity (ytd only) | -0.1754% | 5,973 |
| Net charge-offs to loans | 0.0635% | 4,005 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 14.6204% | 1,931 |
| Efficiency ratio | 89.3151% | 1,050 |
| Assets per employee ($millions) | 2.6657% | 6,314 |
| Cash dividends to net income (ytd only)* | 108.6988% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5527% | 881 |
| Loan loss allowance to noncurrent loans | 227.5132% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 2,867 |
| Noncurrent loans to loans | 1.1220% | 3,560 |
| Net loans and leases to total assets | 61.5786% | 3,444 |
| Net loans and leases to deposits | 82.5331% | 2,065 |
| Net loans and leases to core deposits | 82.5331% | 2,825 |
| Total domestic deposits to total assets | 74.6108% | 6,320 |
| Equity capital to assets | 22.8045% | 126 |
| Core capital (leverage) ratio | 20.4917% | 184 |
| Tier 1 risk-based capital ratio | 30.0329% | 514 |
| Total risk-based capital ratio | 31.2970% | 509 |
| Memoranda: | ||
| Average total assets | $28,174,250 | 6,636 |
| Average earning assets | $23,742,000 | 6,660 |
| Average equity | $6,083,250 | 5,872 |
| Average total loans | $16,805,500 | 6,398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 535 |
| Cost of funding earning assets | 0.1652% | 6,644 |
| Net interest margin | 5.1290% | 240 |
| Noninterest income to average assets | 0.7531% | 2,399 |
| Noninterest expense to average assets | 4.5397% | 504 |
| Loan and lease loss provision to assets | 0.0907% | 3,272 |
| Net operating income to assets | 0.4393% | 5,064 |
| Return on assets (ROA) | 0.4393% | 5,230 |
| Pretax return on assets | 0.4533% | 5,510 |
| Return on Equity (ROE) | 2.0708% | 5,933 |
| Retained earnings to average equity (ytd only) | -1.2162% | 6,077 |
| Net charge-offs to loans | 0.1072% | 3,286 |
| Credit loss provision to net charge-offs | 144.4444% | 1,581 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,374 |
| Efficiency ratio | 89.3004% | 1,102 |
| Assets per employee ($millions) | 2.7505% | 6,222 |
| Cash dividends to net income (ytd only)* | 158.7302% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 1,016 |
| Loan loss allowance to noncurrent loans | 183.4783% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 2,857 |
| Noncurrent loans to loans | 1.3460% | 3,305 |
| Net loans and leases to total assets | 60.5926% | 3,562 |
| Net loans and leases to deposits | 80.1096% | 2,305 |
| Net loans and leases to core deposits | 80.1096% | 3,009 |
| Total domestic deposits to total assets | 75.6372% | 6,286 |
| Equity capital to assets | 21.9596% | 141 |
| Core capital (leverage) ratio | 19.4314% | 220 |
| Tier 1 risk-based capital ratio | 29.1909% | 564 |
| Total risk-based capital ratio | 30.4532% | 554 |
| Memoranda: | ||
| Average total assets | $28,680,000 | 6,677 |
| Average earning assets | $24,215,330 | 6,696 |
| Average equity | $6,084,670 | 5,910 |
| Average total loans | $16,792,330 | 6,435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2661% | 541 |
| Cost of funding earning assets | 0.1458% | 6,810 |
| Net interest margin | 5.1203% | 225 |
| Noninterest income to average assets | 0.7380% | 2,387 |
| Noninterest expense to average assets | 4.3871% | 585 |
| Loan and lease loss provision to assets | 0.0683% | 3,492 |
| Net operating income to assets | 0.5877% | 4,283 |
| Return on assets (ROA) | 0.5877% | 4,429 |
| Pretax return on assets | 0.6013% | 4,939 |
| Return on Equity (ROE) | 2.8164% | 5,658 |
| Retained earnings to average equity (ytd only) | -3.7334% | 6,256 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7568% | 1,429 |
| Assets per employee ($millions) | 2.8518% | 6,213 |
| Cash dividends to net income (ytd only)* | 232.5581% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4920% | 1,127 |
| Loan loss allowance to noncurrent loans | 259.5092% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 3,535 |
| Noncurrent loans to loans | 0.9603% | 4,216 |
| Net loans and leases to total assets | 58.0370% | 3,778 |
| Net loans and leases to deposits | 75.8629% | 2,659 |
| Net loans and leases to core deposits | 75.8629% | 3,341 |
| Total domestic deposits to total assets | 76.5026% | 6,305 |
| Equity capital to assets | 21.2848% | 171 |
| Core capital (leverage) ratio | 18.9835% | 240 |
| Tier 1 risk-based capital ratio | 29.0505% | 579 |
| Total risk-based capital ratio | 30.3114% | 572 |
| Memoranda: | ||
| Average total assets | $29,267,500 | 6,733 |
| Average earning assets | $24,686,000 | 6,756 |
| Average equity | $6,107,000 | 5,955 |
| Average total loans | $16,644,500 | 6,501 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 940 |
| Cost of funding earning assets | 0.2819% | 6,541 |
| Net interest margin | 5.0113% | 384 |
| Noninterest income to average assets | 1.1365% | 1,210 |
| Noninterest expense to average assets | 4.5353% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7366% | 3,572 |
| Return on assets (ROA) | 0.7366% | 3,818 |
| Pretax return on assets | 0.7787% | 4,372 |
| Return on Equity (ROE) | 3.4771% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.4771% | 3,768 |
| Net charge-offs to loans | -0.0191% | 6,547 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3465% | 1,485 |
| Assets per employee ($millions) | 3.0017% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5621% | 1,058 |
| Loan loss allowance to noncurrent loans | 81.8004% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 3.3814% | 1,361 |
| Noncurrent loans to loans | 3.1321% | 1,651 |
| Net loans and leases to total assets | 52.9600% | 4,769 |
| Net loans and leases to deposits | 68.3683% | 3,928 |
| Net loans and leases to core deposits | 68.3683% | 4,497 |
| Total domestic deposits to total assets | 77.4628% | 6,172 |
| Equity capital to assets | 20.4684% | 208 |
| Core capital (leverage) ratio | 19.9579% | 197 |
| Tier 1 risk-based capital ratio | 29.1899% | 548 |
| Total risk-based capital ratio | 30.4545% | 536 |
| Memoranda: | ||
| Average total assets | $28,509,400 | 6,789 |
| Average earning assets | $23,766,400 | 6,820 |
| Average equity | $6,039,600 | 6,011 |
| Average total loans | $15,721,800 | 6,614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 940 |
| Cost of funding earning assets | 0.3078% | 6,578 |
| Net interest margin | 5.0329% | 379 |
| Noninterest income to average assets | 1.1469% | 1,157 |
| Noninterest expense to average assets | 4.6114% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6777% | 4,015 |
| Return on assets (ROA) | 0.6777% | 4,279 |
| Pretax return on assets | 0.7204% | 4,793 |
| Return on Equity (ROE) | 3.1705% | 5,617 |
| Retained earnings to average equity (ytd only) | 3.1705% | 4,641 |
| Net charge-offs to loans | -0.0085% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4889% | 1,343 |
| Assets per employee ($millions) | 2.4687% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6537% | 1,028 |
| Loan loss allowance to noncurrent loans | 197.1564% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5814% | 2,045 |
| Noncurrent loans to loans | 1.3460% | 3,775 |
| Net loans and leases to total assets | 56.1938% | 4,421 |
| Net loans and leases to deposits | 74.5554% | 3,211 |
| Net loans and leases to core deposits | 76.6680% | 3,653 |
| Total domestic deposits to total assets | 75.3719% | 6,471 |
| Equity capital to assets | 22.4260% | 156 |
| Core capital (leverage) ratio | 19.8033% | 213 |
| Tier 1 risk-based capital ratio | 30.4440% | 508 |
| Total risk-based capital ratio | 31.7051% | 496 |
| Memoranda: | ||
| Average total assets | $28,132,500 | 6,887 |
| Average earning assets | $23,392,000 | 6,919 |
| Average equity | $6,013,500 | 6,087 |
| Average total loans | $15,573,500 | 6,714 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 1,216 |
| Cost of funding earning assets | 0.3040% | 6,724 |
| Net interest margin | 4.9067% | 466 |
| Noninterest income to average assets | 1.2158% | 967 |
| Noninterest expense to average assets | 4.5260% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7309% | 3,703 |
| Return on assets (ROA) | 0.7309% | 3,972 |
| Pretax return on assets | 0.7731% | 4,567 |
| Return on Equity (ROE) | 3.4736% | 5,494 |
| Retained earnings to average equity (ytd only) | 3.4736% | 4,282 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4111% | 1,486 |
| Assets per employee ($millions) | 2.5375% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6876% | 1,046 |
| Loan loss allowance to noncurrent loans | 2,441.1765% | 210 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 2,897 |
| Noncurrent loans to loans | 0.1101% | 6,390 |
| Net loans and leases to total assets | 53.8315% | 4,831 |
| Net loans and leases to deposits | 70.6043% | 3,807 |
| Net loans and leases to core deposits | 72.5263% | 4,239 |
| Total domestic deposits to total assets | 76.2440% | 6,424 |
| Equity capital to assets | 21.6422% | 174 |
| Core capital (leverage) ratio | 19.5266% | 224 |
| Tier 1 risk-based capital ratio | 30.6322% | 493 |
| Total risk-based capital ratio | 31.8931% | 486 |
| Memoranda: | ||
| Average total assets | $28,458,000 | 6,938 |
| Average earning assets | $23,682,000 | 6,967 |
| Average equity | $5,988,000 | 6,121 |
| Average total loans | $15,539,330 | 6,764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 1,819 |
| Cost of funding earning assets | 0.2983% | 6,846 |
| Net interest margin | 4.7227% | 660 |
| Noninterest income to average assets | 1.3922% | 746 |
| Noninterest expense to average assets | 4.7336% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5847% | 4,419 |
| Return on assets (ROA) | 0.5847% | 4,638 |
| Pretax return on assets | 0.6265% | 5,027 |
| Return on Equity (ROE) | 2.8181% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.8181% | 4,843 |
| Net charge-offs to loans | 0.0513% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,125 |
| Efficiency ratio | 88.3117% | 1,248 |
| Assets per employee ($millions) | 2.5369% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6176% | 1,204 |
| Loan loss allowance to noncurrent loans | 312.8788% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 4,394 |
| Noncurrent loans to loans | 0.8366% | 5,002 |
| Net loans and leases to total assets | 55.0598% | 4,545 |
| Net loans and leases to deposits | 71.9234% | 3,443 |
| Net loans and leases to core deposits | 73.8737% | 3,917 |
| Total domestic deposits to total assets | 76.5534% | 6,478 |
| Equity capital to assets | 21.4363% | 164 |
| Core capital (leverage) ratio | 19.1643% | 239 |
| Tier 1 risk-based capital ratio | 30.2958% | 506 |
| Total risk-based capital ratio | 31.5463% | 501 |
| Memoranda: | ||
| Average total assets | $28,730,500 | 6,983 |
| Average earning assets | $24,138,500 | 7,015 |
| Average equity | $5,961,500 | 6,158 |
| Average total loans | $15,588,500 | 6,816 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 2,016 |
| Cost of funding earning assets | 0.5471% | 6,354 |
| Net interest margin | 4.6623% | 812 |
| Noninterest income to average assets | 1.1630% | 972 |
| Noninterest expense to average assets | 4.5787% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4865% | 4,484 |
| Return on assets (ROA) | 0.4865% | 4,690 |
| Pretax return on assets | 0.5032% | 4,983 |
| Return on Equity (ROE) | 2.4690% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.6234% | 5,056 |
| Net charge-offs to loans | 0.0450% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 21.5714% | 1,087 |
| Efficiency ratio | 90.0984% | 1,185 |
| Assets per employee ($millions) | 2.6868% | 6,623 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6950% | 1,078 |
| Loan loss allowance to noncurrent loans | 51.9399% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 3.4309% | 1,724 |
| Noncurrent loans to loans | 5.1886% | 1,059 |
| Net loans and leases to total assets | 50.6987% | 5,500 |
| Net loans and leases to deposits | 65.0263% | 4,869 |
| Net loans and leases to core deposits | 66.6578% | 5,190 |
| Total domestic deposits to total assets | 77.9665% | 6,199 |
| Equity capital to assets | 20.1015% | 229 |
| Core capital (leverage) ratio | 18.2271% | 285 |
| Tier 1 risk-based capital ratio | 29.5352% | 539 |
| Total risk-based capital ratio | 30.7867% | 529 |
| Memoranda: | ||
| Average total assets | $30,008,600 | 6,970 |
| Average earning assets | $25,223,600 | 7,007 |
| Average equity | $5,913,400 | 6,178 |
| Average total loans | $15,555,200 | 6,878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2270% | 2,101 |
| Cost of funding earning assets | 0.6230% | 6,165 |
| Net interest margin | 4.6040% | 935 |
| Noninterest income to average assets | 1.2349% | 852 |
| Noninterest expense to average assets | 4.5857% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4958% | 4,568 |
| Return on assets (ROA) | 0.4958% | 4,755 |
| Pretax return on assets | 0.5090% | 5,137 |
| Return on Equity (ROE) | 2.5282% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.5282% | 4,852 |
| Net charge-offs to loans | -0.0171% | 6,876 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0087% | 1,163 |
| Assets per employee ($millions) | 2.6734% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7162% | 1,111 |
| Loan loss allowance to noncurrent loans | 84.9699% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.9279% | 2,203 |
| Noncurrent loans to loans | 3.1967% | 2,173 |
| Net loans and leases to total assets | 51.6408% | 5,487 |
| Net loans and leases to deposits | 66.4043% | 4,843 |
| Net loans and leases to core deposits | 68.0834% | 5,171 |
| Total domestic deposits to total assets | 77.7672% | 6,231 |
| Equity capital to assets | 20.3387% | 232 |
| Core capital (leverage) ratio | 17.9049% | 328 |
| Tier 1 risk-based capital ratio | 29.1177% | 591 |
| Total risk-based capital ratio | 30.3813% | 577 |
| Memoranda: | ||
| Average total assets | $30,122,000 | 7,037 |
| Average earning assets | $25,252,750 | 7,075 |
| Average equity | $5,906,500 | 6,222 |
| Average total loans | $15,594,250 | 6,940 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 2,167 |
| Cost of funding earning assets | 0.6766% | 6,092 |
| Net interest margin | 4.5477% | 1,018 |
| Noninterest income to average assets | 1.2516% | 805 |
| Noninterest expense to average assets | 4.5915% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4545% | 4,694 |
| Return on assets (ROA) | 0.4545% | 4,834 |
| Pretax return on assets | 0.4677% | 5,175 |
| Return on Equity (ROE) | 2.3463% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.3463% | 4,792 |
| Net charge-offs to loans | -0.0257% | 6,886 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7552% | 1,193 |
| Assets per employee ($millions) | 2.7285% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7070% | 1,175 |
| Loan loss allowance to noncurrent loans | 261.7284% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 3,209 |
| Noncurrent loans to loans | 1.0343% | 4,927 |
| Net loans and leases to total assets | 50.7730% | 5,723 |
| Net loans and leases to deposits | 64.6981% | 5,189 |
| Net loans and leases to core deposits | 66.2853% | 5,478 |
| Total domestic deposits to total assets | 78.4767% | 6,196 |
| Equity capital to assets | 19.7774% | 273 |
| Core capital (leverage) ratio | 18.8738% | 283 |
| Tier 1 risk-based capital ratio | 28.3776% | 633 |
| Total risk-based capital ratio | 29.6357% | 615 |
| Memoranda: | ||
| Average total assets | $30,360,330 | 7,097 |
| Average earning assets | $25,419,670 | 7,136 |
| Average equity | $5,881,670 | 6,264 |
| Average total loans | $15,589,000 | 7,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 2,575 |
| Cost of funding earning assets | 0.8217% | 5,453 |
| Net interest margin | 4.2946% | 1,577 |
| Noninterest income to average assets | 1.7554% | 444 |
| Noninterest expense to average assets | 5.0567% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3275% | 5,281 |
| Return on assets (ROA) | 0.3275% | 5,357 |
| Pretax return on assets | 0.3275% | 5,574 |
| Return on Equity (ROE) | 1.7081% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.7081% | 5,099 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9173% | 1,039 |
| Assets per employee ($millions) | 2.5630% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7233% | 1,189 |
| Loan loss allowance to noncurrent loans | 231.8681% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 2.2275% | 3,034 |
| Noncurrent loans to loans | 1.1745% | 4,734 |
| Net loans and leases to total assets | 53.4672% | 5,385 |
| Net loans and leases to deposits | 69.0328% | 4,524 |
| Net loans and leases to core deposits | 70.8631% | 4,942 |
| Total domestic deposits to total assets | 77.4518% | 6,458 |
| Equity capital to assets | 20.8030% | 218 |
| Core capital (leverage) ratio | 18.2300% | 323 |
| Tier 1 risk-based capital ratio | 28.7777% | 590 |
| Total risk-based capital ratio | 30.0365% | 576 |
| Memoranda: | ||
| Average total assets | $30,533,500 | 7,140 |
| Average earning assets | $25,800,000 | 7,179 |
| Average equity | $5,854,500 | 6,294 |
| Average total loans | $15,552,000 | 7,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 3,251 |
| Cost of funding earning assets | 1.2912% | 3,938 |
| Net interest margin | 3.9816% | 3,097 |
| Noninterest income to average assets | 0.9525% | 1,665 |
| Noninterest expense to average assets | 4.0356% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3693% | 4,681 |
| Return on assets (ROA) | 0.4005% | 4,674 |
| Pretax return on assets | 0.3888% | 4,983 |
| Return on Equity (ROE) | 2.2575% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.1616% | 4,965 |
| Net charge-offs to loans | 0.3518% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.0444% | 4,199 |
| Efficiency ratio | 91.8584% | 1,192 |
| Assets per employee ($millions) | 2.9536% | 6,204 |
| Cash dividends to net income (ytd only)* | 48.5437% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 1,051 |
| Loan loss allowance to noncurrent loans | 674.5098% | 505 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 4,578 |
| Noncurrent loans to loans | 0.4154% | 6,215 |
| Net loans and leases to total assets | 44.8913% | 6,648 |
| Net loans and leases to deposits | 64.3150% | 5,591 |
| Net loans and leases to core deposits | 66.3313% | 5,841 |
| Total domestic deposits to total assets | 69.7991% | 7,245 |
| Equity capital to assets | 17.0303% | 454 |
| Core capital (leverage) ratio | 17.4160% | 366 |
| Tier 1 risk-based capital ratio | 28.7575% | 553 |
| Total risk-based capital ratio | 30.0144% | 547 |
| Memoranda: | ||
| Average total assets | $25,721,000 | 7,324 |
| Average earning assets | $22,227,200 | 7,341 |
| Average equity | $4,562,600 | 6,799 |
| Average total loans | $12,792,200 | 7,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 2,964 |
| Cost of funding earning assets | 1.3181% | 4,124 |
| Net interest margin | 4.0633% | 2,796 |
| Noninterest income to average assets | 0.9619% | 1,577 |
| Noninterest expense to average assets | 4.0303% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4443% | 4,569 |
| Return on assets (ROA) | 0.4862% | 4,575 |
| Pretax return on assets | 0.4862% | 4,975 |
| Return on Equity (ROE) | 2.7125% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.7125% | 4,530 |
| Net charge-offs to loans | 0.1755% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.9991% | 2,876 |
| Efficiency ratio | 90.0701% | 1,284 |
| Assets per employee ($millions) | 2.8121% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5652% | 1,251 |
| Loan loss allowance to noncurrent loans | 224.0964% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 4,262 |
| Noncurrent loans to loans | 1.1447% | 4,944 |
| Net loans and leases to total assets | 55.8299% | 5,566 |
| Net loans and leases to deposits | 84.6209% | 2,591 |
| Net loans and leases to core deposits | 87.5790% | 3,430 |
| Total domestic deposits to total assets | 65.9765% | 7,472 |
| Equity capital to assets | 18.2781% | 390 |
| Core capital (leverage) ratio | 17.4123% | 393 |
| Tier 1 risk-based capital ratio | 26.4247% | 742 |
| Total risk-based capital ratio | 27.6824% | 724 |
| Memoranda: | ||
| Average total assets | $25,505,750 | 7,425 |
| Average earning assets | $22,050,750 | 7,444 |
| Average equity | $4,571,500 | 6,885 |
| Average total loans | $12,921,000 | 7,350 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 2,583 |
| Cost of funding earning assets | 1.3197% | 4,419 |
| Net interest margin | 4.1670% | 2,270 |
| Noninterest income to average assets | 0.9620% | 1,474 |
| Noninterest expense to average assets | 4.0123% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5553% | 4,059 |
| Return on assets (ROA) | 0.5553% | 4,202 |
| Pretax return on assets | 0.5553% | 4,718 |
| Return on Equity (ROE) | 3.1186% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.1186% | 4,127 |
| Net charge-offs to loans | 0.1936% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.9167% | 2,570 |
| Efficiency ratio | 87.8425% | 1,522 |
| Assets per employee ($millions) | 2.8201% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0484% | 787 |
| Loan loss allowance to noncurrent loans | 294.5313% | 979 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 4,700 |
| Noncurrent loans to loans | 1.0350% | 5,237 |
| Net loans and leases to total assets | 47.2401% | 6,683 |
| Net loans and leases to deposits | 69.2983% | 5,375 |
| Net loans and leases to core deposits | 71.6334% | 5,713 |
| Total domestic deposits to total assets | 68.1691% | 7,424 |
| Equity capital to assets | 18.1396% | 404 |
| Core capital (leverage) ratio | 17.3860% | 407 |
| Tier 1 risk-based capital ratio | 29.8646% | 512 |
| Total risk-based capital ratio | 31.1239% | 502 |
| Memoranda: | ||
| Average total assets | $25,571,330 | 7,481 |
| Average earning assets | $22,126,000 | 7,501 |
| Average equity | $4,553,330 | 6,918 |
| Average total loans | $12,394,000 | 7,435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7183% | 1,712 |
| Cost of funding earning assets | 1.3349% | 4,597 |
| Net interest margin | 4.3834% | 1,437 |
| Noninterest income to average assets | 1.0130% | 1,255 |
| Noninterest expense to average assets | 4.1611% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6390% | 3,715 |
| Return on assets (ROA) | 0.6390% | 3,836 |
| Pretax return on assets | 0.6390% | 4,456 |
| Return on Equity (ROE) | 3.6219% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.6219% | 3,982 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6883% | 1,721 |
| Assets per employee ($millions) | 2.7744% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1493% | 727 |
| Loan loss allowance to noncurrent loans | 255.9211% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 1.9183% | 3,608 |
| Noncurrent loans to loans | 1.2306% | 4,918 |
| Net loans and leases to total assets | 47.9095% | 6,687 |
| Net loans and leases to deposits | 70.4618% | 5,272 |
| Net loans and leases to core deposits | 72.8829% | 5,622 |
| Total domestic deposits to total assets | 67.9936% | 7,529 |
| Equity capital to assets | 18.2058% | 404 |
| Core capital (leverage) ratio | 17.0966% | 447 |
| Tier 1 risk-based capital ratio | 29.4739% | 552 |
| Total risk-based capital ratio | 30.7387% | 535 |
| Memoranda: | ||
| Average total assets | $25,666,500 | 7,576 |
| Average earning assets | $22,174,500 | 7,593 |
| Average equity | $4,528,000 | 6,992 |
| Average total loans | $12,407,500 | 7,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6937% | 3,133 |
| Cost of funding earning assets | 1.5115% | 5,471 |
| Net interest margin | 4.1822% | 2,127 |
| Noninterest income to average assets | 0.9187% | 1,875 |
| Noninterest expense to average assets | 3.8542% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2440% | 4,742 |
| Return on assets (ROA) | 0.2440% | 4,822 |
| Pretax return on assets | 0.7285% | 3,478 |
| Return on Equity (ROE) | 1.5251% | 5,077 |
| Retained earnings to average equity (ytd only) | 1.5251% | 4,003 |
| Net charge-offs to loans | 1.1828% | 2,074 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.2229% | 4,898 |
| Efficiency ratio | 84.1034% | 2,335 |
| Assets per employee ($millions) | 2.9292% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1212% | 696 |
| Loan loss allowance to noncurrent loans | 1,768.1818% | 219 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 3,925 |
| Noncurrent loans to loans | 0.1765% | 6,980 |
| Net loans and leases to total assets | 45.7990% | 6,999 |
| Net loans and leases to deposits | 65.6089% | 6,097 |
| Net loans and leases to core deposits | 75.4814% | 6,437 |
| Total domestic deposits to total assets | 69.8062% | 7,441 |
| Equity capital to assets | 17.1073% | 544 |
| Core capital (leverage) ratio | 15.6461% | 672 |
| Tier 1 risk-based capital ratio | 28.7483% | 594 |
| Total risk-based capital ratio | 30.0066% | 579 |
| Memoranda: | ||
| Average total assets | $27,865,800 | 7,557 |
| Average earning assets | $24,413,000 | 7,566 |
| Average equity | $4,458,600 | 7,128 |
| Average total loans | $14,034,000 | 7,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7105% | 3,290 |
| Cost of funding earning assets | 1.5686% | 5,550 |
| Net interest margin | 4.1418% | 2,241 |
| Noninterest income to average assets | 0.9395% | 1,819 |
| Noninterest expense to average assets | 3.5691% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3730% | 4,504 |
| Return on assets (ROA) | 0.3730% | 4,608 |
| Pretax return on assets | 1.0103% | 2,871 |
| Return on Equity (ROE) | 2.3692% | 5,042 |
| Retained earnings to average equity (ytd only) | 2.3692% | 4,002 |
| Net charge-offs to loans | 1.8114% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.0918% | 4,969 |
| Efficiency ratio | 77.9381% | 3,178 |
| Assets per employee ($millions) | 2.9780% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8045% | 786 |
| Loan loss allowance to noncurrent loans | 205.1429% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 3,914 |
| Noncurrent loans to loans | 1.3671% | 4,639 |
| Net loans and leases to total assets | 46.4219% | 7,076 |
| Net loans and leases to deposits | 66.3573% | 6,276 |
| Net loans and leases to core deposits | 75.3832% | 6,648 |
| Total domestic deposits to total assets | 69.9575% | 7,417 |
| Equity capital to assets | 17.0883% | 620 |
| Core capital (leverage) ratio | 15.9865% | 681 |
| Tier 1 risk-based capital ratio | 28.6429% | 640 |
| Total risk-based capital ratio | 29.9065% | 623 |
| Memoranda: | ||
| Average total assets | $28,241,500 | 7,604 |
| Average earning assets | $24,819,250 | 7,619 |
| Average equity | $4,445,750 | 7,202 |
| Average total loans | $14,426,750 | 7,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 2,771 |
| Cost of funding earning assets | 1.6744% | 5,391 |
| Net interest margin | 4.1821% | 2,056 |
| Noninterest income to average assets | 1.0027% | 1,588 |
| Noninterest expense to average assets | 3.5862% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1462% | 5,427 |
| Return on assets (ROA) | 0.1462% | 5,523 |
| Pretax return on assets | 1.0863% | 2,681 |
| Return on Equity (ROE) | 0.9543% | 5,647 |
| Retained earnings to average equity (ytd only) | 0.9543% | 4,800 |
| Net charge-offs to loans | 2.0443% | 907 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.0196% | 4,767 |
| Efficiency ratio | 76.7511% | 3,555 |
| Assets per employee ($millions) | 3.1053% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0452% | 548 |
| Loan loss allowance to noncurrent loans | 231.0345% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 3,872 |
| Noncurrent loans to loans | 1.3181% | 4,576 |
| Net loans and leases to total assets | 45.7958% | 7,208 |
| Net loans and leases to deposits | 63.9343% | 6,568 |
| Net loans and leases to core deposits | 72.4376% | 6,874 |
| Total domestic deposits to total assets | 71.6295% | 7,290 |
| Equity capital to assets | 15.9618% | 833 |
| Core capital (leverage) ratio | 15.4449% | 832 |
| Tier 1 risk-based capital ratio | 27.2964% | 762 |
| Total risk-based capital ratio | 28.5551% | 740 |
| Memoranda: | ||
| Average total assets | $28,721,330 | 7,652 |
| Average earning assets | $25,202,670 | 7,670 |
| Average equity | $4,401,000 | 7,274 |
| Average total loans | $14,968,670 | 7,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8997% | 2,797 |
| Cost of funding earning assets | 1.7573% | 5,323 |
| Net interest margin | 4.1423% | 2,116 |
| Noninterest income to average assets | 0.8383% | 2,134 |
| Noninterest expense to average assets | 3.5866% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.9757% | 7,244 |
| Return on assets (ROA) | -0.9757% | 7,263 |
| Pretax return on assets | 0.8795% | 3,795 |
| Return on Equity (ROE) | -6.4974% | 7,106 |
| Retained earnings to average equity (ytd only) | -6.4974% | 6,742 |
| Net charge-offs to loans | 3.8606% | 317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.4183% | 4,655 |
| Efficiency ratio | 80.3077% | 2,773 |
| Assets per employee ($millions) | 3.1713% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 670 |
| Loan loss allowance to noncurrent loans | 319.0476% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 2.2528% | 2,546 |
| Noncurrent loans to loans | 0.8230% | 5,388 |
| Net loans and leases to total assets | 52.2318% | 6,661 |
| Net loans and leases to deposits | 74.2726% | 5,446 |
| Net loans and leases to core deposits | 85.6979% | 5,930 |
| Total domestic deposits to total assets | 70.3244% | 7,397 |
| Equity capital to assets | 15.1916% | 1,048 |
| Core capital (leverage) ratio | 14.3222% | 1,128 |
| Tier 1 risk-based capital ratio | 20.4946% | 1,524 |
| Total risk-based capital ratio | 21.7529% | 1,494 |
| Memoranda: | ||
| Average total assets | $29,108,000 | 7,681 |
| Average earning assets | $25,493,000 | 7,703 |
| Average equity | $4,371,000 | 7,329 |
| Average total loans | $15,852,500 | 7,586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6761% | 2,123 |
| Cost of funding earning assets | 2.6102% | 3,633 |
| Net interest margin | 4.0659% | 2,846 |
| Noninterest income to average assets | 0.8128% | 2,438 |
| Noninterest expense to average assets | 3.9867% | 1,438 |
| Loan and lease loss provision to assets | 1.0076% | 1,459 |
| Net operating income to assets | -0.7490% | 7,100 |
| Return on assets (ROA) | -0.7490% | 7,006 |
| Pretax return on assets | -0.5978% | 6,733 |
| Return on Equity (ROE) | -4.9465% | 6,859 |
| Retained earnings to average equity (ytd only) | -4.9465% | 6,505 |
| Net charge-offs to loans | 0.4116% | 2,756 |
| Credit loss provision to net charge-offs | 405.4054% | 1,084 |
| Earnings coverage of net charge-offs (x) | 1.6486% | 5,261 |
| Efficiency ratio | 90.6799% | 1,464 |
| Assets per employee ($millions) | 3.2971% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3852% | 310 |
| Loan loss allowance to noncurrent loans | 239.2241% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 2.2141% | 2,204 |
| Noncurrent loans to loans | 1.4151% | 3,686 |
| Net loans and leases to total assets | 53.3801% | 6,719 |
| Net loans and leases to deposits | 75.1245% | 5,719 |
| Net loans and leases to core deposits | 86.2041% | 6,118 |
| Total domestic deposits to total assets | 71.0555% | 7,152 |
| Equity capital to assets | 14.8480% | 1,198 |
| Core capital (leverage) ratio | 14.6884% | 1,092 |
| Tier 1 risk-based capital ratio | 19.9291% | 1,630 |
| Total risk-based capital ratio | 21.1977% | 1,589 |
| Memoranda: | ||
| Average total assets | $29,774,000 | 7,658 |
| Average earning assets | $26,242,800 | 7,683 |
| Average equity | $4,508,200 | 7,329 |
| Average total loans | $17,978,600 | 7,461 |