Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers 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 | 4.0292% | 3,919 |
| Cost of funding earning assets | 0.8578% | 3,598 |
| Net interest margin | 3.1714% | 2,939 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.7515% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3197% | 3,996 |
| Return on assets (ROA) | 0.3197% | 3,999 |
| Pretax return on assets | 0.3197% | 4,071 |
| Return on Equity (ROE) | 2.9100% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.9112% | 3,306 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.5911% | 423 |
| Assets per employee ($millions) | 3.4356% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 681 |
| Loan loss allowance to noncurrent loans | 45.4545% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.6009% | 226 |
| Noncurrent loans to loans | 3.7117% | 100 |
| Net loans and leases to total assets | 42.4000% | 3,953 |
| Net loans and leases to deposits | 48.1141% | 3,991 |
| Net loans and leases to core deposits | 48.1141% | 4,120 |
| Total domestic deposits to total assets | 88.1300% | 1,301 |
| Equity capital to assets | 11.4158% | 1,324 |
| Core capital (leverage) ratio | 11.1840% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $17,518,000 | 4,528 |
| Average earning assets | $16,554,000 | 4,490 |
| Average equity | $1,923,600 | 4,493 |
| Average total loans | $7,514,200 | 4,437 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,267 |
| Cost of funding earning assets | 0.7858% | 3,562 |
| Net interest margin | 2.8596% | 3,618 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.5450% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2045% | 4,224 |
| Return on assets (ROA) | 0.2045% | 4,241 |
| Pretax return on assets | 0.2045% | 4,258 |
| Return on Equity (ROE) | 1.8800% | 4,208 |
| Retained earnings to average equity (ytd only) | 1.8806% | 3,747 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.5620% | 303 |
| Assets per employee ($millions) | 3.5388% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 684 |
| Loan loss allowance to noncurrent loans | 21.4041% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 3.3006% | 55 |
| Noncurrent loans to loans | 7.9771% | 21 |
| Net loans and leases to total assets | 40.6700% | 4,026 |
| Net loans and leases to deposits | 45.7499% | 4,056 |
| Net loans and leases to core deposits | 45.7499% | 4,135 |
| Total domestic deposits to total assets | 88.8900% | 1,294 |
| Equity capital to assets | 10.9020% | 1,386 |
| Core capital (leverage) ratio | 10.9696% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $17,603,000 | 4,554 |
| Average earning assets | $16,459,000 | 4,518 |
| Average equity | $1,914,250 | 4,514 |
| Average total loans | $7,540,500 | 4,461 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 4,352 |
| Cost of funding earning assets | 0.6817% | 3,536 |
| Net interest margin | 2.8122% | 3,801 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.4811% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2162% | 4,259 |
| Return on assets (ROA) | 0.2162% | 4,284 |
| Pretax return on assets | 0.2162% | 4,306 |
| Return on Equity (ROE) | 1.9900% | 4,276 |
| Retained earnings to average equity (ytd only) | 1.9902% | 3,728 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.9831% | 298 |
| Assets per employee ($millions) | 3.4714% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 797 |
| Loan loss allowance to noncurrent loans | 21.4777% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 3.3531% | 52 |
| Noncurrent loans to loans | 7.7797% | 20 |
| Net loans and leases to total assets | 42.3800% | 3,949 |
| Net loans and leases to deposits | 47.7817% | 3,996 |
| Net loans and leases to core deposits | 47.7817% | 4,075 |
| Total domestic deposits to total assets | 88.7000% | 1,347 |
| Equity capital to assets | 11.0733% | 1,363 |
| Core capital (leverage) ratio | 10.9205% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $17,572,667 | 4,584 |
| Average earning assets | $16,428,667 | 4,549 |
| Average equity | $1,909,333 | 4,547 |
| Average total loans | $7,613,667 | 4,492 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1914% | 4,496 |
| Cost of funding earning assets | 0.5561% | 3,515 |
| Net interest margin | 2.6353% | 4,170 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.4660% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0679% | 4,449 |
| Return on assets (ROA) | 0.0679% | 4,428 |
| Pretax return on assets | 0.0679% | 4,422 |
| Return on Equity (ROE) | 0.6300% | 4,404 |
| Retained earnings to average equity (ytd only) | 0.6306% | 3,920 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 97.3214% | 205 |
| Assets per employee ($millions) | 3.5606% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 856 |
| Loan loss allowance to noncurrent loans | 21.5889% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 3.2523% | 43 |
| Noncurrent loans to loans | 7.7906% | 21 |
| Net loans and leases to total assets | 41.0400% | 3,997 |
| Net loans and leases to deposits | 46.0139% | 4,037 |
| Net loans and leases to core deposits | 46.0139% | 4,111 |
| Total domestic deposits to total assets | 89.2000% | 1,471 |
| Equity capital to assets | 10.6948% | 1,461 |
| Core capital (leverage) ratio | 10.9143% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $17,680,500 | 4,644 |
| Average earning assets | $16,544,500 | 4,615 |
| Average equity | $1,903,000 | 4,613 |
| Average total loans | $7,680,000 | 4,559 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 3,932 |
| Cost of funding earning assets | 0.3418% | 2,546 |
| Net interest margin | 2.7936% | 3,908 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.4284% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.0055% | 4,577 |
| Return on assets (ROA) | -0.0055% | 4,565 |
| Pretax return on assets | -0.0055% | 4,559 |
| Return on Equity (ROE) | -0.0500% | 4,548 |
| Retained earnings to average equity (ytd only) | -0.0523% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.2288% | 145 |
| Assets per employee ($millions) | 3.5154% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.4100% | 3,871 |
| Net loans and leases to deposits | 52.6898% | 3,752 |
| Net loans and leases to core deposits | 52.6898% | 3,881 |
| Total domestic deposits to total assets | 84.2900% | 3,149 |
| Equity capital to assets | 10.9291% | 1,288 |
| Core capital (leverage) ratio | 11.0606% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $18,036,400 | 4,676 |
| Average earning assets | $15,213,600 | 4,655 |
| Average equity | $1,910,800 | 4,680 |
| Average total loans | $7,393,800 | 4,593 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 3,718 |
| Cost of funding earning assets | 0.3323% | 1,837 |
| Net interest margin | 2.7481% | 3,838 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.4534% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1469% | 4,635 |
| Return on assets (ROA) | -0.1469% | 4,613 |
| Pretax return on assets | -0.1469% | 4,607 |
| Return on Equity (ROE) | -1.4000% | 4,603 |
| Retained earnings to average equity (ytd only) | -1.3974% | 4,453 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 106.3694% | 112 |
| Assets per employee ($millions) | 3.5300% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 825 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 40.1300% | 4,068 |
| Net loans and leases to deposits | 45.2993% | 4,054 |
| Net loans and leases to core deposits | 45.2993% | 4,138 |
| Total domestic deposits to total assets | 88.5900% | 2,247 |
| Equity capital to assets | 10.7762% | 1,260 |
| Core capital (leverage) ratio | 10.5362% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $18,151,250 | 4,712 |
| Average earning assets | $14,846,500 | 4,692 |
| Average equity | $1,908,250 | 4,721 |
| Average total loans | $7,259,500 | 4,631 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 3,380 |
| Cost of funding earning assets | 0.3393% | 1,370 |
| Net interest margin | 2.7287% | 3,645 |
| Noninterest income to average assets | 0.0655% | 4,596 |
| Noninterest expense to average assets | 2.3910% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2184% | 4,641 |
| Return on assets (ROA) | -0.2184% | 4,615 |
| Pretax return on assets | -0.2184% | 4,602 |
| Return on Equity (ROE) | -2.0939% | 4,618 |
| Retained earnings to average equity (ytd only) | -2.0939% | 4,390 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0503% | 112 |
| Assets per employee ($millions) | 3.6848% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.5096% | 4,147 |
| Net loans and leases to deposits | 42.9792% | 4,157 |
| Net loans and leases to core deposits | 42.9792% | 4,228 |
| Total domestic deposits to total assets | 89.6005% | 1,896 |
| Equity capital to assets | 10.3235% | 1,522 |
| Core capital (leverage) ratio | 10.0380% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,318,333 | 4,747 |
| Average earning assets | $14,146,000 | 4,745 |
| Average equity | $1,910,333 | 4,748 |
| Average total loans | $7,276,667 | 4,696 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1161% | 2,930 |
| Cost of funding earning assets | 0.3630% | 1,107 |
| Net interest margin | 2.7531% | 3,270 |
| Noninterest income to average assets | 0.0657% | 4,618 |
| Noninterest expense to average assets | 2.3870% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3285% | 4,669 |
| Return on assets (ROA) | -0.3285% | 4,655 |
| Pretax return on assets | -0.3285% | 4,639 |
| Return on Equity (ROE) | -3.1340% | 4,664 |
| Retained earnings to average equity (ytd only) | -3.1340% | 4,322 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9574% | 98 |
| Assets per employee ($millions) | 3.8432% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 36.2354% | 4,195 |
| Net loans and leases to deposits | 40.2555% | 4,235 |
| Net loans and leases to core deposits | 40.2555% | 4,304 |
| Total domestic deposits to total assets | 90.0135% | 1,555 |
| Equity capital to assets | 9.9240% | 1,955 |
| Core capital (leverage) ratio | 10.3811% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,265,500 | 4,770 |
| Average earning assets | $13,221,500 | 4,773 |
| Average equity | $1,914,500 | 4,774 |
| Average total loans | $7,305,000 | 4,723 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 2,168 |
| Cost of funding earning assets | 0.5673% | 641 |
| Net interest margin | 3.1158% | 2,856 |
| Noninterest income to average assets | 0.4381% | 2,866 |
| Noninterest expense to average assets | 2.5001% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0234% | 4,670 |
| Return on assets (ROA) | 0.0234% | 4,678 |
| Pretax return on assets | 0.0234% | 4,675 |
| Return on Equity (ROE) | 0.2070% | 4,676 |
| Retained earnings to average equity (ytd only) | 0.2070% | 4,437 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0741% | 156 |
| Assets per employee ($millions) | 3.4630% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 1,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.7202% | 3,933 |
| Net loans and leases to deposits | 48.1074% | 3,988 |
| Net loans and leases to core deposits | 48.1074% | 4,086 |
| Total domestic deposits to total assets | 88.8016% | 1,616 |
| Equity capital to assets | 11.1002% | 1,739 |
| Core capital (leverage) ratio | 10.7735% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,119,600 | 4,819 |
| Average earning assets | $11,457,800 | 4,821 |
| Average equity | $1,932,800 | 4,818 |
| Average total loans | $7,046,600 | 4,772 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 2,000 |
| Cost of funding earning assets | 0.6131% | 598 |
| Net interest margin | 3.1951% | 2,743 |
| Noninterest income to average assets | 0.4296% | 2,932 |
| Noninterest expense to average assets | 2.4525% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0937% | 4,702 |
| Return on assets (ROA) | 0.0937% | 4,718 |
| Pretax return on assets | 0.0937% | 4,717 |
| Return on Equity (ROE) | 0.8266% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.8266% | 4,442 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3190% | 193 |
| Assets per employee ($millions) | 3.5734% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.8557% | 4,347 |
| Net loans and leases to deposits | 41.3605% | 4,402 |
| Net loans and leases to core deposits | 41.3605% | 4,473 |
| Total domestic deposits to total assets | 89.1084% | 1,223 |
| Equity capital to assets | 10.8020% | 2,161 |
| Core capital (leverage) ratio | 10.8160% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,070,750 | 4,893 |
| Average earning assets | $11,308,750 | 4,895 |
| Average equity | $1,935,500 | 4,891 |
| Average total loans | $6,927,750 | 4,842 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 1,842 |
| Cost of funding earning assets | 0.6132% | 700 |
| Net interest margin | 3.2761% | 2,531 |
| Noninterest income to average assets | 0.6308% | 2,080 |
| Noninterest expense to average assets | 2.5349% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3213% | 4,502 |
| Return on assets (ROA) | 0.3213% | 4,526 |
| Pretax return on assets | 0.3213% | 4,567 |
| Return on Equity (ROE) | 2.7873% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.7873% | 3,913 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7500% | 376 |
| Assets per employee ($millions) | 3.4496% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.6943% | 4,358 |
| Net loans and leases to deposits | 43.6752% | 4,396 |
| Net loans and leases to core deposits | 43.6752% | 4,466 |
| Total domestic deposits to total assets | 88.5958% | 1,512 |
| Equity capital to assets | 11.2767% | 1,773 |
| Core capital (leverage) ratio | 11.2207% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,805,333 | 4,930 |
| Average earning assets | $11,416,000 | 4,930 |
| Average equity | $1,937,333 | 4,925 |
| Average total loans | $7,000,333 | 4,879 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 1,631 |
| Cost of funding earning assets | 0.6138% | 828 |
| Net interest margin | 3.3761% | 2,170 |
| Noninterest income to average assets | 0.9165% | 1,284 |
| Noninterest expense to average assets | 2.5567% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7477% | 3,580 |
| Return on assets (ROA) | 0.7477% | 3,650 |
| Pretax return on assets | 0.7477% | 3,917 |
| Return on Equity (ROE) | 6.4132% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.4132% | 2,759 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3723% | 1,010 |
| Assets per employee ($millions) | 3.4136% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 39.9344% | 4,350 |
| Net loans and leases to deposits | 45.1301% | 4,389 |
| Net loans and leases to core deposits | 45.1301% | 4,471 |
| Total domestic deposits to total assets | 88.4872% | 1,615 |
| Equity capital to assets | 11.4190% | 1,594 |
| Core capital (leverage) ratio | 11.5826% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,584,000 | 4,958 |
| Average earning assets | $11,729,500 | 4,957 |
| Average equity | $1,933,500 | 4,952 |
| Average total loans | $7,101,000 | 4,901 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 2,459 |
| Cost of funding earning assets | 0.7143% | 1,648 |
| Net interest margin | 3.3728% | 2,860 |
| Noninterest income to average assets | 0.0762% | 4,805 |
| Noninterest expense to average assets | 2.9642% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0190% | 4,719 |
| Return on assets (ROA) | 0.0190% | 4,759 |
| Pretax return on assets | 0.0190% | 4,755 |
| Return on Equity (ROE) | 0.1545% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.1545% | 4,478 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3617% | 182 |
| Assets per employee ($millions) | 3.2200% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 993 |
| Loan loss allowance to noncurrent loans | 126.2626% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 1,715 |
| Noncurrent loans to loans | 1.3634% | 996 |
| Net loans and leases to total assets | 44.3230% | 4,227 |
| Net loans and leases to deposits | 50.4168% | 4,296 |
| Net loans and leases to core deposits | 50.4168% | 4,404 |
| Total domestic deposits to total assets | 87.9130% | 1,521 |
| Equity capital to assets | 11.9130% | 1,616 |
| Core capital (leverage) ratio | 11.6916% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,754,600 | 4,981 |
| Average earning assets | $13,579,200 | 4,973 |
| Average equity | $1,942,000 | 4,976 |
| Average total loans | $7,965,600 | 4,919 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 2,682 |
| Cost of funding earning assets | 0.7256% | 1,871 |
| Net interest margin | 3.3704% | 2,999 |
| Noninterest income to average assets | 0.0766% | 4,833 |
| Noninterest expense to average assets | 2.6380% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4425% | 4,182 |
| Return on assets (ROA) | 0.4425% | 4,247 |
| Pretax return on assets | 0.4425% | 4,382 |
| Return on Equity (ROE) | 3.5591% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.5591% | 3,279 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6354% | 522 |
| Assets per employee ($millions) | 3.1816% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 1,033 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 2,195 |
| Noncurrent loans to loans | 1.0396% | 1,440 |
| Net loans and leases to total assets | 47.5861% | 4,232 |
| Net loans and leases to deposits | 54.3861% | 4,323 |
| Net loans and leases to core deposits | 54.3861% | 4,437 |
| Total domestic deposits to total assets | 87.4969% | 1,454 |
| Equity capital to assets | 12.3648% | 1,481 |
| Core capital (leverage) ratio | 12.3053% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,668,250 | 5,012 |
| Average earning assets | $13,964,500 | 5,004 |
| Average equity | $1,948,000 | 5,008 |
| Average total loans | $8,141,750 | 4,948 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 2,908 |
| Cost of funding earning assets | 0.7316% | 2,228 |
| Net interest margin | 3.4187% | 3,039 |
| Noninterest income to average assets | 0.0770% | 4,847 |
| Noninterest expense to average assets | 2.5789% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6158% | 3,682 |
| Return on assets (ROA) | 0.6158% | 3,759 |
| Pretax return on assets | 0.6158% | 4,029 |
| Return on Equity (ROE) | 4.9442% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.9442% | 2,505 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7229% | 838 |
| Assets per employee ($millions) | 3.1402% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 935 |
| Loan loss allowance to noncurrent loans | 115.7407% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 1,782 |
| Noncurrent loans to loans | 1.4108% | 1,096 |
| Net loans and leases to total assets | 47.9587% | 4,259 |
| Net loans and leases to deposits | 54.9394% | 4,339 |
| Net loans and leases to core deposits | 54.9394% | 4,466 |
| Total domestic deposits to total assets | 87.2938% | 1,499 |
| Equity capital to assets | 12.5024% | 1,375 |
| Core capital (leverage) ratio | 12.5833% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,588,333 | 5,042 |
| Average earning assets | $14,216,000 | 5,030 |
| Average equity | $1,941,667 | 5,038 |
| Average total loans | $8,290,667 | 4,980 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,170 |
| Cost of funding earning assets | 0.7115% | 2,883 |
| Net interest margin | 3.5029% | 2,973 |
| Noninterest income to average assets | 0.1030% | 4,813 |
| Noninterest expense to average assets | 2.5753% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8241% | 2,816 |
| Return on assets (ROA) | 0.8241% | 2,901 |
| Pretax return on assets | 0.8241% | 3,346 |
| Return on Equity (ROE) | 6.6287% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.6287% | 1,672 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7576% | 1,588 |
| Assets per employee ($millions) | 3.0830% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 1,283 |
| Loan loss allowance to noncurrent loans | 500.0000% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 3,850 |
| Noncurrent loans to loans | 0.3035% | 3,411 |
| Net loans and leases to total assets | 52.6176% | 4,083 |
| Net loans and leases to deposits | 60.3317% | 4,183 |
| Net loans and leases to core deposits | 60.3317% | 4,340 |
| Total domestic deposits to total assets | 87.2138% | 1,460 |
| Equity capital to assets | 12.6306% | 1,658 |
| Core capital (leverage) ratio | 12.5427% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,532,000 | 5,092 |
| Average earning assets | $14,616,500 | 5,080 |
| Average equity | $1,931,000 | 5,083 |
| Average total loans | $8,608,500 | 5,016 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 4,030 |
| Cost of funding earning assets | 0.7238% | 3,044 |
| Net interest margin | 3.3798% | 3,799 |
| Noninterest income to average assets | 0.1141% | 4,888 |
| Noninterest expense to average assets | 3.3160% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0254% | 4,958 |
| Return on assets (ROA) | 0.0254% | 4,977 |
| Pretax return on assets | 0.0254% | 4,974 |
| Return on Equity (ROE) | 0.2050% | 4,979 |
| Retained earnings to average equity (ytd only) | 0.2050% | 4,629 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2410% | 166 |
| Assets per employee ($millions) | 3.1298% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.5915% | 3,880 |
| Net loans and leases to deposits | 64.6471% | 4,030 |
| Net loans and leases to core deposits | 64.6471% | 4,252 |
| Total domestic deposits to total assets | 87.5391% | 1,348 |
| Equity capital to assets | 12.2372% | 1,988 |
| Core capital (leverage) ratio | 12.0851% | 1,725 |
| Tier 1 risk-based capital ratio | 22.6950% | 943 |
| Total risk-based capital ratio | 23.9512% | 929 |
| Memoranda: | ||
| Average total assets | $15,772,200 | 5,149 |
| Average earning assets | $15,060,000 | 5,134 |
| Average equity | $1,951,400 | 5,142 |
| Average total loans | $8,656,800 | 5,077 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 4,210 |
| Cost of funding earning assets | 0.7192% | 3,114 |
| Net interest margin | 3.3562% | 3,970 |
| Noninterest income to average assets | 0.1181% | 4,925 |
| Noninterest expense to average assets | 2.5311% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7762% | 3,752 |
| Return on assets (ROA) | 0.7762% | 3,824 |
| Pretax return on assets | 0.7762% | 4,181 |
| Return on Equity (ROE) | 6.2566% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.2566% | 2,242 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5306% | 1,268 |
| Assets per employee ($millions) | 3.1188% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,482 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,738 |
| Noncurrent loans to loans | 0.0114% | 4,630 |
| Net loans and leases to total assets | 55.4188% | 4,084 |
| Net loans and leases to deposits | 63.6940% | 4,194 |
| Net loans and leases to core deposits | 63.6940% | 4,386 |
| Total domestic deposits to total assets | 87.0078% | 1,510 |
| Equity capital to assets | 12.8447% | 1,710 |
| Core capital (leverage) ratio | 12.8225% | 1,428 |
| Tier 1 risk-based capital ratio | 24.1616% | 830 |
| Total risk-based capital ratio | 25.4162% | 818 |
| Memoranda: | ||
| Average total assets | $15,803,000 | 5,226 |
| Average earning assets | $15,016,500 | 5,212 |
| Average equity | $1,960,500 | 5,217 |
| Average total loans | $8,575,750 | 5,160 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 4,297 |
| Cost of funding earning assets | 0.7154% | 3,081 |
| Net interest margin | 3.3255% | 4,087 |
| Noninterest income to average assets | 0.1134% | 4,988 |
| Noninterest expense to average assets | 2.3941% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8820% | 3,351 |
| Return on assets (ROA) | 0.8820% | 3,416 |
| Pretax return on assets | 0.8820% | 3,901 |
| Return on Equity (ROE) | 7.1930% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.1930% | 1,727 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 1,763 |
| Assets per employee ($millions) | 3.8333% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,362 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,526 |
| Noncurrent loans to loans | 0.4705% | 2,868 |
| Net loans and leases to total assets | 54.6273% | 4,170 |
| Net loans and leases to deposits | 62.8970% | 4,282 |
| Net loans and leases to core deposits | 62.8970% | 4,462 |
| Total domestic deposits to total assets | 86.8519% | 1,664 |
| Equity capital to assets | 12.9198% | 1,625 |
| Core capital (leverage) ratio | 12.7142% | 1,436 |
| Tier 1 risk-based capital ratio | 24.5022% | 803 |
| Total risk-based capital ratio | 25.7514% | 783 |
| Memoranda: | ||
| Average total assets | $15,872,670 | 5,271 |
| Average earning assets | $15,095,670 | 5,259 |
| Average equity | $1,946,330 | 5,262 |
| Average total loans | $8,512,000 | 5,208 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 4,291 |
| Cost of funding earning assets | 0.7337% | 2,867 |
| Net interest margin | 3.3018% | 4,155 |
| Noninterest income to average assets | 0.1239% | 4,991 |
| Noninterest expense to average assets | 2.3540% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8921% | 3,262 |
| Return on assets (ROA) | 0.8921% | 3,316 |
| Pretax return on assets | 0.8921% | 3,793 |
| Return on Equity (ROE) | 7.4650% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.4650% | 1,859 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5191% | 1,957 |
| Assets per employee ($millions) | 3.9683% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.0977% | 4,464 |
| Net loans and leases to deposits | 57.2004% | 4,537 |
| Net loans and leases to core deposits | 57.2004% | 4,669 |
| Total domestic deposits to total assets | 87.5827% | 1,527 |
| Equity capital to assets | 12.2661% | 1,864 |
| Core capital (leverage) ratio | 12.1044% | 1,708 |
| Tier 1 risk-based capital ratio | 25.2431% | 744 |
| Total risk-based capital ratio | 26.5007% | 725 |
| Memoranda: | ||
| Average total assets | $16,142,500 | 5,328 |
| Average earning assets | $15,264,500 | 5,315 |
| Average equity | $1,929,000 | 5,318 |
| Average total loans | $8,517,500 | 5,267 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 4,369 |
| Cost of funding earning assets | 0.5496% | 3,049 |
| Net interest margin | 3.3107% | 4,223 |
| Noninterest income to average assets | 0.1063% | 5,133 |
| Noninterest expense to average assets | 3.2504% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0188% | 5,226 |
| Return on assets (ROA) | 0.0188% | 5,222 |
| Pretax return on assets | 0.0188% | 5,219 |
| Return on Equity (ROE) | 0.1552% | 5,219 |
| Retained earnings to average equity (ytd only) | 0.1552% | 4,941 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4264% | 150 |
| Assets per employee ($millions) | 4.1030% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,658 |
| Loan loss allowance to noncurrent loans | 140.4494% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 2,426 |
| Noncurrent loans to loans | 0.9935% | 1,635 |
| Net loans and leases to total assets | 53.8204% | 4,293 |
| Net loans and leases to deposits | 61.8861% | 4,384 |
| Net loans and leases to core deposits | 61.8861% | 4,545 |
| Total domestic deposits to total assets | 86.9669% | 1,798 |
| Equity capital to assets | 11.6439% | 2,144 |
| Core capital (leverage) ratio | 12.0416% | 1,711 |
| Tier 1 risk-based capital ratio | 22.2883% | 991 |
| Total risk-based capital ratio | 23.5363% | 967 |
| Memoranda: | ||
| Average total assets | $15,998,200 | 5,374 |
| Average earning assets | $15,284,000 | 5,358 |
| Average equity | $1,933,400 | 5,358 |
| Average total loans | $8,517,200 | 5,315 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,370 |
| Cost of funding earning assets | 0.5446% | 2,898 |
| Net interest margin | 3.2852% | 4,323 |
| Noninterest income to average assets | 0.1007% | 5,210 |
| Noninterest expense to average assets | 2.6675% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5704% | 4,589 |
| Return on assets (ROA) | 0.5704% | 4,590 |
| Pretax return on assets | 0.5704% | 4,781 |
| Return on Equity (ROE) | 4.6756% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6756% | 3,407 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3834% | 750 |
| Assets per employee ($millions) | 3.1202% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.1954% | 4,474 |
| Net loans and leases to deposits | 59.8486% | 4,559 |
| Net loans and leases to core deposits | 59.8486% | 4,709 |
| Total domestic deposits to total assets | 87.2124% | 1,633 |
| Equity capital to assets | 12.6659% | 1,487 |
| Core capital (leverage) ratio | 12.3461% | 1,581 |
| Tier 1 risk-based capital ratio | 25.1495% | 739 |
| Total risk-based capital ratio | 26.4096% | 723 |
| Memoranda: | ||
| Average total assets | $15,894,750 | 5,443 |
| Average earning assets | $15,178,750 | 5,427 |
| Average equity | $1,939,000 | 5,431 |
| Average total loans | $8,407,000 | 5,385 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,458 |
| Cost of funding earning assets | 0.4989% | 3,015 |
| Net interest margin | 3.2560% | 4,369 |
| Noninterest income to average assets | 0.0875% | 5,306 |
| Noninterest expense to average assets | 2.7137% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4752% | 4,807 |
| Return on assets (ROA) | 0.4752% | 4,813 |
| Pretax return on assets | 0.4752% | 4,946 |
| Return on Equity (ROE) | 3.9446% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.9446% | 3,633 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0980% | 623 |
| Assets per employee ($millions) | 3.1652% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,356 |
| Loan loss allowance to noncurrent loans | 108.6957% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 2,058 |
| Noncurrent loans to loans | 1.3917% | 1,217 |
| Net loans and leases to total assets | 51.4217% | 4,513 |
| Net loans and leases to deposits | 58.7284% | 4,601 |
| Net loans and leases to core deposits | 58.7284% | 4,755 |
| Total domestic deposits to total assets | 87.5584% | 1,611 |
| Equity capital to assets | 12.2962% | 1,664 |
| Core capital (leverage) ratio | 12.3188% | 1,528 |
| Tier 1 risk-based capital ratio | 24.5026% | 788 |
| Total risk-based capital ratio | 25.7618% | 762 |
| Memoranda: | ||
| Average total assets | $15,992,670 | 5,507 |
| Average earning assets | $15,233,330 | 5,492 |
| Average equity | $1,926,670 | 5,494 |
| Average total loans | $8,453,330 | 5,445 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,313 |
| Cost of funding earning assets | 0.4933% | 2,844 |
| Net interest margin | 3.2717% | 4,259 |
| Noninterest income to average assets | 0.0746% | 5,415 |
| Noninterest expense to average assets | 2.7619% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4479% | 4,818 |
| Return on assets (ROA) | 0.4479% | 4,819 |
| Pretax return on assets | 0.4479% | 4,959 |
| Return on Equity (ROE) | 3.7559% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.7559% | 3,693 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 645 |
| Assets per employee ($millions) | 3.1858% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.7646% | 4,576 |
| Net loans and leases to deposits | 56.6700% | 4,664 |
| Net loans and leases to core deposits | 56.6700% | 4,814 |
| Total domestic deposits to total assets | 87.8147% | 1,720 |
| Equity capital to assets | 12.0912% | 1,721 |
| Core capital (leverage) ratio | 11.9605% | 1,673 |
| Tier 1 risk-based capital ratio | 24.4292% | 802 |
| Total risk-based capital ratio | 25.6849% | 778 |
| Memoranda: | ||
| Average total assets | $16,076,000 | 5,571 |
| Average earning assets | $15,405,000 | 5,556 |
| Average equity | $1,917,000 | 5,552 |
| Average total loans | $8,548,500 | 5,500 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 4,257 |
| Cost of funding earning assets | 0.4251% | 2,999 |
| Net interest margin | 3.3093% | 4,129 |
| Noninterest income to average assets | 0.0993% | 5,416 |
| Noninterest expense to average assets | 3.2201% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0186% | 5,343 |
| Return on assets (ROA) | 0.0248% | 5,337 |
| Pretax return on assets | 0.0248% | 5,425 |
| Return on Equity (ROE) | 0.2066% | 5,338 |
| Retained earnings to average equity (ytd only) | 0.2066% | 4,936 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4253% | 180 |
| Assets per employee ($millions) | 2.7038% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.9837% | 4,272 |
| Net loans and leases to deposits | 64.6517% | 4,285 |
| Net loans and leases to core deposits | 64.6517% | 4,490 |
| Total domestic deposits to total assets | 85.0459% | 2,823 |
| Equity capital to assets | 11.7611% | 1,995 |
| Core capital (leverage) ratio | 11.8834% | 1,675 |
| Tier 1 risk-based capital ratio | 21.2946% | 1,098 |
| Total risk-based capital ratio | 22.5446% | 1,076 |
| Memoranda: | ||
| Average total assets | $16,117,600 | 5,637 |
| Average earning assets | $15,290,200 | 5,620 |
| Average equity | $1,936,200 | 5,614 |
| Average total loans | $8,571,600 | 5,564 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,221 |
| Cost of funding earning assets | 0.4230% | 2,957 |
| Net interest margin | 3.3136% | 4,123 |
| Noninterest income to average assets | 0.0912% | 5,507 |
| Noninterest expense to average assets | 2.5603% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6463% | 4,205 |
| Return on assets (ROA) | 0.6463% | 4,262 |
| Pretax return on assets | 0.6463% | 4,740 |
| Return on Equity (ROE) | 5.3519% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.3519% | 2,642 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8450% | 1,122 |
| Assets per employee ($millions) | 2.6477% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.0647% | 4,561 |
| Net loans and leases to deposits | 59.5421% | 4,656 |
| Net loans and leases to core deposits | 59.5421% | 4,837 |
| Total domestic deposits to total assets | 87.4418% | 1,650 |
| Equity capital to assets | 12.4764% | 1,670 |
| Core capital (leverage) ratio | 12.3474% | 1,487 |
| Tier 1 risk-based capital ratio | 23.5616% | 889 |
| Total risk-based capital ratio | 24.8098% | 874 |
| Memoranda: | ||
| Average total assets | $16,091,250 | 5,702 |
| Average earning assets | $15,129,250 | 5,685 |
| Average equity | $1,943,250 | 5,679 |
| Average total loans | $8,453,250 | 5,627 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,281 |
| Cost of funding earning assets | 0.4090% | 2,986 |
| Net interest margin | 3.2720% | 4,204 |
| Noninterest income to average assets | 0.0866% | 5,557 |
| Noninterest expense to average assets | 2.5496% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6064% | 4,276 |
| Return on assets (ROA) | 0.6064% | 4,322 |
| Pretax return on assets | 0.6064% | 4,790 |
| Return on Equity (ROE) | 5.0769% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.0769% | 2,663 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7843% | 1,125 |
| Assets per employee ($millions) | 2.6265% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 51.9703% | 4,572 |
| Net loans and leases to deposits | 59.3995% | 4,675 |
| Net loans and leases to core deposits | 59.3995% | 4,851 |
| Total domestic deposits to total assets | 87.4929% | 1,727 |
| Equity capital to assets | 12.3929% | 1,674 |
| Core capital (leverage) ratio | 12.3288% | 1,458 |
| Tier 1 risk-based capital ratio | 23.0851% | 939 |
| Total risk-based capital ratio | 24.3381% | 931 |
| Memoranda: | ||
| Average total assets | $16,159,670 | 5,750 |
| Average earning assets | $15,159,000 | 5,734 |
| Average equity | $1,930,330 | 5,727 |
| Average total loans | $8,472,330 | 5,675 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 4,135 |
| Cost of funding earning assets | 0.4160% | 2,847 |
| Net interest margin | 3.2763% | 4,094 |
| Noninterest income to average assets | 0.0733% | 5,664 |
| Noninterest expense to average assets | 2.4205% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7335% | 3,541 |
| Return on assets (ROA) | 0.7335% | 3,595 |
| Pretax return on assets | 0.7335% | 4,334 |
| Return on Equity (ROE) | 6.2533% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.2533% | 2,213 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7442% | 1,796 |
| Assets per employee ($millions) | 2.7127% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.8019% | 4,764 |
| Net loans and leases to deposits | 55.5377% | 4,850 |
| Net loans and leases to core deposits | 55.5377% | 5,001 |
| Total domestic deposits to total assets | 87.8717% | 1,785 |
| Equity capital to assets | 11.8825% | 1,922 |
| Core capital (leverage) ratio | 11.9095% | 1,684 |
| Tier 1 risk-based capital ratio | 22.5669% | 1,028 |
| Total risk-based capital ratio | 23.8219% | 1,003 |
| Memoranda: | ||
| Average total assets | $16,360,000 | 5,818 |
| Average earning assets | $15,383,000 | 5,801 |
| Average equity | $1,919,000 | 5,792 |
| Average total loans | $8,551,000 | 5,742 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,798 |
| Cost of funding earning assets | 0.3882% | 3,120 |
| Net interest margin | 3.1059% | 4,711 |
| Noninterest income to average assets | 0.0916% | 5,663 |
| Noninterest expense to average assets | 3.0457% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0244% | 5,622 |
| Return on assets (ROA) | 0.0244% | 5,646 |
| Pretax return on assets | 0.0244% | 5,641 |
| Return on Equity (ROE) | 0.2069% | 5,646 |
| Retained earnings to average equity (ytd only) | 0.2069% | 5,238 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2048% | 234 |
| Assets per employee ($millions) | 2.7407% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.1778% | 4,431 |
| Net loans and leases to deposits | 62.3225% | 4,522 |
| Net loans and leases to core deposits | 62.3225% | 4,737 |
| Total domestic deposits to total assets | 86.9314% | 2,188 |
| Equity capital to assets | 11.5787% | 2,097 |
| Core capital (leverage) ratio | 11.4902% | 1,934 |
| Tier 1 risk-based capital ratio | 20.4046% | 1,303 |
| Total risk-based capital ratio | 21.6554% | 1,279 |
| Memoranda: | ||
| Average total assets | $16,383,600 | 5,873 |
| Average earning assets | $15,712,200 | 5,855 |
| Average equity | $1,933,600 | 5,850 |
| Average total loans | $8,399,600 | 5,801 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 4,844 |
| Cost of funding earning assets | 0.3836% | 3,196 |
| Net interest margin | 3.1027% | 4,771 |
| Noninterest income to average assets | 0.0896% | 5,742 |
| Noninterest expense to average assets | 2.4844% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5702% | 4,415 |
| Return on assets (ROA) | 0.5702% | 4,519 |
| Pretax return on assets | 0.5702% | 4,955 |
| Return on Equity (ROE) | 4.8083% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.8083% | 2,951 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3333% | 1,269 |
| Assets per employee ($millions) | 2.6727% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.5113% | 4,785 |
| Net loans and leases to deposits | 57.7499% | 4,892 |
| Net loans and leases to core deposits | 57.7499% | 5,066 |
| Total domestic deposits to total assets | 87.4657% | 1,685 |
| Equity capital to assets | 12.2849% | 1,908 |
| Core capital (leverage) ratio | 12.0225% | 1,661 |
| Tier 1 risk-based capital ratio | 22.9605% | 1,006 |
| Total risk-based capital ratio | 24.2138% | 994 |
| Memoranda: | ||
| Average total assets | $16,368,500 | 5,940 |
| Average earning assets | $15,642,000 | 5,920 |
| Average equity | $1,941,000 | 5,912 |
| Average total loans | $8,241,000 | 5,870 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 4,851 |
| Cost of funding earning assets | 0.3823% | 3,235 |
| Net interest margin | 3.1218% | 4,774 |
| Noninterest income to average assets | 0.0850% | 5,829 |
| Noninterest expense to average assets | 2.3666% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6918% | 3,832 |
| Return on assets (ROA) | 0.6918% | 3,982 |
| Pretax return on assets | 0.6918% | 4,646 |
| Return on Equity (ROE) | 5.9027% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.9027% | 2,177 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3810% | 1,873 |
| Assets per employee ($millions) | 2.6508% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 1,681 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,611 |
| Noncurrent loans to loans | 0.0124% | 5,444 |
| Net loans and leases to total assets | 49.9717% | 4,841 |
| Net loans and leases to deposits | 57.8878% | 4,909 |
| Net loans and leases to core deposits | 57.8878% | 5,079 |
| Total domestic deposits to total assets | 86.3251% | 2,249 |
| Equity capital to assets | 12.3043% | 1,900 |
| Core capital (leverage) ratio | 11.9570% | 1,654 |
| Tier 1 risk-based capital ratio | 23.2699% | 982 |
| Total risk-based capital ratio | 24.5184% | 964 |
| Memoranda: | ||
| Average total assets | $16,479,330 | 6,016 |
| Average earning assets | $15,696,000 | 5,993 |
| Average equity | $1,931,330 | 5,990 |
| Average total loans | $8,246,330 | 5,944 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 4,824 |
| Cost of funding earning assets | 0.3778% | 3,320 |
| Net interest margin | 3.1485% | 4,732 |
| Noninterest income to average assets | 0.0954% | 5,837 |
| Noninterest expense to average assets | 2.1949% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8827% | 2,842 |
| Return on assets (ROA) | 0.8827% | 2,966 |
| Pretax return on assets | 0.8827% | 3,918 |
| Return on Equity (ROE) | 7.7144% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.7144% | 1,587 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3178% | 2,901 |
| Assets per employee ($millions) | 2.7667% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,826 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 5,653 |
| Noncurrent loans to loans | 0.0123% | 5,471 |
| Net loans and leases to total assets | 48.1446% | 4,959 |
| Net loans and leases to deposits | 54.5492% | 5,069 |
| Net loans and leases to core deposits | 54.5492% | 5,212 |
| Total domestic deposits to total assets | 88.2590% | 1,498 |
| Equity capital to assets | 11.6687% | 2,274 |
| Core capital (leverage) ratio | 11.5745% | 1,925 |
| Tier 1 risk-based capital ratio | 22.7588% | 1,045 |
| Total risk-based capital ratio | 24.0160% | 1,017 |
| Memoranda: | ||
| Average total assets | $16,766,500 | 6,071 |
| Average earning assets | $15,880,500 | 6,052 |
| Average equity | $1,918,500 | 6,050 |
| Average total loans | $8,333,000 | 5,996 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 5,346 |
| Cost of funding earning assets | 0.3922% | 3,240 |
| Net interest margin | 2.9101% | 5,319 |
| Noninterest income to average assets | 0.0772% | 5,929 |
| Noninterest expense to average assets | 2.7970% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0119% | 5,861 |
| Return on assets (ROA) | 0.0119% | 5,888 |
| Pretax return on assets | 0.0119% | 5,880 |
| Return on Equity (ROE) | 0.1034% | 5,883 |
| Retained earnings to average equity (ytd only) | 0.1034% | 5,464 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5772% | 295 |
| Assets per employee ($millions) | 2.8222% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 2,171 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,692 |
| Noncurrent loans to loans | 0.0117% | 5,487 |
| Net loans and leases to total assets | 49.7490% | 4,892 |
| Net loans and leases to deposits | 56.1039% | 5,034 |
| Net loans and leases to core deposits | 56.1039% | 5,200 |
| Total domestic deposits to total assets | 88.6730% | 1,296 |
| Equity capital to assets | 11.2207% | 2,622 |
| Core capital (leverage) ratio | 11.1817% | 2,234 |
| Tier 1 risk-based capital ratio | 21.3220% | 1,244 |
| Total risk-based capital ratio | 22.5788% | 1,227 |
| Memoranda: | ||
| Average total assets | $16,839,400 | 6,128 |
| Average earning assets | $15,806,800 | 6,113 |
| Average equity | $1,933,400 | 6,109 |
| Average total loans | $7,865,000 | 6,065 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2963% | 5,419 |
| Cost of funding earning assets | 0.3983% | 3,241 |
| Net interest margin | 2.8980% | 5,416 |
| Noninterest income to average assets | 0.0714% | 6,040 |
| Noninterest expense to average assets | 2.3469% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6581% | 4,088 |
| Return on assets (ROA) | 0.6581% | 4,205 |
| Pretax return on assets | 0.4361% | 5,386 |
| Return on Equity (ROE) | 5.6990% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.6990% | 2,441 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3305% | 1,139 |
| Assets per employee ($millions) | 2.7973% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,959 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,756 |
| Noncurrent loans to loans | 0.0248% | 5,537 |
| Net loans and leases to total assets | 47.2474% | 5,138 |
| Net loans and leases to deposits | 53.6173% | 5,274 |
| Net loans and leases to core deposits | 53.6173% | 5,429 |
| Total domestic deposits to total assets | 88.1196% | 1,493 |
| Equity capital to assets | 11.8029% | 2,262 |
| Core capital (leverage) ratio | 11.1600% | 2,339 |
| Tier 1 risk-based capital ratio | 22.7463% | 1,090 |
| Total risk-based capital ratio | 23.9925% | 1,073 |
| Memoranda: | ||
| Average total assets | $16,816,000 | 6,214 |
| Average earning assets | $15,734,500 | 6,198 |
| Average equity | $1,941,750 | 6,192 |
| Average total loans | $7,694,000 | 6,153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 5,520 |
| Cost of funding earning assets | 0.4056% | 3,216 |
| Net interest margin | 2.8522% | 5,529 |
| Noninterest income to average assets | 0.0713% | 6,109 |
| Noninterest expense to average assets | 2.2464% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8320% | 3,208 |
| Return on assets (ROA) | 0.8320% | 3,324 |
| Pretax return on assets | 0.4992% | 5,231 |
| Return on Equity (ROE) | 7.2589% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.2589% | 1,589 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,516 |
| Assets per employee ($millions) | 2.8747% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,902 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,882 |
| Noncurrent loans to loans | 0.0128% | 5,714 |
| Net loans and leases to total assets | 44.4689% | 5,356 |
| Net loans and leases to deposits | 50.2522% | 5,489 |
| Net loans and leases to core deposits | 50.2522% | 5,603 |
| Total domestic deposits to total assets | 88.4914% | 1,414 |
| Equity capital to assets | 11.4100% | 2,488 |
| Core capital (leverage) ratio | 11.3054% | 2,158 |
| Tier 1 risk-based capital ratio | 23.1366% | 1,062 |
| Total risk-based capital ratio | 24.4246% | 1,041 |
| Memoranda: | ||
| Average total assets | $16,826,670 | 6,292 |
| Average earning assets | $15,777,330 | 6,273 |
| Average equity | $1,928,670 | 6,265 |
| Average total loans | $7,573,670 | 6,225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 5,552 |
| Cost of funding earning assets | 0.4064% | 3,235 |
| Net interest margin | 2.8448% | 5,559 |
| Noninterest income to average assets | 0.0722% | 6,170 |
| Noninterest expense to average assets | 2.2388% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5296% | 4,545 |
| Return on assets (ROA) | 0.5296% | 4,662 |
| Pretax return on assets | 0.5296% | 5,099 |
| Return on Equity (ROE) | 4.6097% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.6097% | 3,266 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8696% | 1,776 |
| Assets per employee ($millions) | 2.8423% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 1,770 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,936 |
| Noncurrent loans to loans | 0.0135% | 5,748 |
| Net loans and leases to total assets | 42.7173% | 5,441 |
| Net loans and leases to deposits | 48.1685% | 5,557 |
| Net loans and leases to core deposits | 48.1685% | 5,665 |
| Total domestic deposits to total assets | 88.6830% | 1,459 |
| Equity capital to assets | 11.2584% | 2,695 |
| Core capital (leverage) ratio | 11.4682% | 2,024 |
| Tier 1 risk-based capital ratio | 24.1479% | 978 |
| Total risk-based capital ratio | 25.4056% | 960 |
| Memoranda: | ||
| Average total assets | $16,616,000 | 6,360 |
| Average earning assets | $15,748,000 | 6,341 |
| Average equity | $1,909,000 | 6,329 |
| Average total loans | $7,463,000 | 6,298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 5,320 |
| Cost of funding earning assets | 0.4169% | 3,515 |
| Net interest margin | 3.0812% | 5,248 |
| Noninterest income to average assets | 0.0745% | 6,229 |
| Noninterest expense to average assets | 2.9670% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0434% | 6,033 |
| Return on assets (ROA) | 0.0434% | 6,059 |
| Pretax return on assets | 0.0434% | 6,050 |
| Return on Equity (ROE) | 0.3647% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.3647% | 5,614 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5567% | 404 |
| Assets per employee ($millions) | 2.6963% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.6855% | 5,356 |
| Net loans and leases to deposits | 52.7514% | 5,430 |
| Net loans and leases to core deposits | 52.7514% | 5,582 |
| Total domestic deposits to total assets | 86.6053% | 2,504 |
| Equity capital to assets | 11.7320% | 2,223 |
| Core capital (leverage) ratio | 11.4165% | 2,047 |
| Tier 1 risk-based capital ratio | 24.1200% | 938 |
| Total risk-based capital ratio | 25.3781% | 917 |
| Memoranda: | ||
| Average total assets | $16,110,600 | 6,453 |
| Average earning assets | $15,351,000 | 6,434 |
| Average equity | $1,919,400 | 6,414 |
| Average total loans | $7,778,800 | 6,378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 5,239 |
| Cost of funding earning assets | 0.4200% | 3,574 |
| Net interest margin | 3.1411% | 5,143 |
| Noninterest income to average assets | 0.0746% | 6,324 |
| Noninterest expense to average assets | 2.5517% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4971% | 4,884 |
| Return on assets (ROA) | 0.4971% | 4,952 |
| Pretax return on assets | 0.4971% | 5,333 |
| Return on Equity (ROE) | 4.1564% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,698 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6957% | 1,424 |
| Assets per employee ($millions) | 2.7303% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 1,835 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,179 |
| Noncurrent loans to loans | 0.0140% | 5,978 |
| Net loans and leases to total assets | 42.9130% | 5,604 |
| Net loans and leases to deposits | 48.7585% | 5,719 |
| Net loans and leases to core deposits | 48.7585% | 5,850 |
| Total domestic deposits to total assets | 88.0112% | 1,763 |
| Equity capital to assets | 11.9094% | 2,139 |
| Core capital (leverage) ratio | 11.8746% | 1,774 |
| Tier 1 risk-based capital ratio | 25.0707% | 876 |
| Total risk-based capital ratio | 26.3300% | 861 |
| Memoranda: | ||
| Average total assets | $16,093,750 | 6,533 |
| Average earning assets | $15,238,500 | 6,512 |
| Average equity | $1,924,750 | 6,489 |
| Average total loans | $7,844,500 | 6,451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 5,059 |
| Cost of funding earning assets | 0.4197% | 3,659 |
| Net interest margin | 3.2132% | 4,902 |
| Noninterest income to average assets | 0.0750% | 6,364 |
| Noninterest expense to average assets | 2.6254% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5126% | 4,756 |
| Return on assets (ROA) | 0.5126% | 4,852 |
| Pretax return on assets | 0.5126% | 5,244 |
| Return on Equity (ROE) | 4.2797% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.2797% | 3,451 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6653% | 1,554 |
| Assets per employee ($millions) | 2.3534% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 2,437 |
| Loan loss allowance to noncurrent loans | 3,125.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 6,148 |
| Noncurrent loans to loans | 0.0514% | 5,891 |
| Net loans and leases to total assets | 46.5157% | 5,312 |
| Net loans and leases to deposits | 52.7646% | 5,443 |
| Net loans and leases to core deposits | 52.7646% | 5,624 |
| Total domestic deposits to total assets | 88.1571% | 1,819 |
| Equity capital to assets | 11.7276% | 2,224 |
| Core capital (leverage) ratio | 11.7669% | 1,813 |
| Tier 1 risk-based capital ratio | 22.8802% | 1,130 |
| Total risk-based capital ratio | 24.1355% | 1,112 |
| Memoranda: | ||
| Average total assets | $15,997,670 | 6,600 |
| Average earning assets | $15,249,670 | 6,577 |
| Average equity | $1,916,000 | 6,549 |
| Average total loans | $8,074,330 | 6,503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,655 |
| Cost of funding earning assets | 0.4260% | 3,686 |
| Net interest margin | 3.3279% | 4,436 |
| Noninterest income to average assets | 0.0761% | 6,409 |
| Noninterest expense to average assets | 2.3859% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8630% | 2,837 |
| Return on assets (ROA) | 0.8630% | 2,898 |
| Pretax return on assets | 0.8630% | 3,849 |
| Return on Equity (ROE) | 7.1279% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.1279% | 1,969 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4375% | 3,238 |
| Assets per employee ($millions) | 2.3150% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 2,791 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 6,291 |
| Noncurrent loans to loans | 0.0253% | 6,081 |
| Net loans and leases to total assets | 48.0284% | 5,125 |
| Net loans and leases to deposits | 54.5525% | 5,229 |
| Net loans and leases to core deposits | 54.5525% | 5,465 |
| Total domestic deposits to total assets | 88.0407% | 2,217 |
| Equity capital to assets | 11.8790% | 1,951 |
| Core capital (leverage) ratio | 12.1390% | 1,584 |
| Tier 1 risk-based capital ratio | 22.4098% | 1,227 |
| Total risk-based capital ratio | 23.6671% | 1,200 |
| Memoranda: | ||
| Average total assets | $15,759,500 | 6,676 |
| Average earning assets | $15,024,500 | 6,655 |
| Average equity | $1,908,000 | 6,613 |
| Average total loans | $8,217,500 | 6,568 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 4,766 |
| Cost of funding earning assets | 0.4842% | 3,773 |
| Net interest margin | 3.3294% | 4,551 |
| Noninterest income to average assets | 0.0766% | 6,464 |
| Noninterest expense to average assets | 3.2249% | 2,345 |
| Loan and lease loss provision to assets | 0.0319% | 4,480 |
| Net operating income to assets | 0.0255% | 6,170 |
| Return on assets (ROA) | 0.0255% | 6,213 |
| Pretax return on assets | 0.0255% | 6,193 |
| Return on Equity (ROE) | 0.2086% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.2086% | 5,751 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2490% | 536 |
| Assets per employee ($millions) | 2.1877% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 3,353 |
| Loan loss allowance to noncurrent loans | 961.5385% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 6,091 |
| Noncurrent loans to loans | 0.1525% | 5,738 |
| Net loans and leases to total assets | 54.8648% | 4,482 |
| Net loans and leases to deposits | 62.6875% | 4,655 |
| Net loans and leases to core deposits | 62.6875% | 5,000 |
| Total domestic deposits to total assets | 87.5212% | 2,465 |
| Equity capital to assets | 12.3482% | 1,594 |
| Core capital (leverage) ratio | 12.0339% | 1,583 |
| Tier 1 risk-based capital ratio | 20.6667% | 1,497 |
| Total risk-based capital ratio | 21.9235% | 1,468 |
| Memoranda: | ||
| Average total assets | $15,659,400 | 6,756 |
| Average earning assets | $15,077,600 | 6,737 |
| Average equity | $1,917,200 | 6,701 |
| Average total loans | $8,040,200 | 6,649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 4,932 |
| Cost of funding earning assets | 0.4922% | 3,849 |
| Net interest margin | 3.2877% | 4,686 |
| Noninterest income to average assets | 0.0762% | 6,556 |
| Noninterest expense to average assets | 2.6504% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5927% | 4,387 |
| Return on assets (ROA) | 0.5927% | 4,511 |
| Pretax return on assets | 0.5927% | 5,044 |
| Return on Equity (ROE) | 4.8515% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.8515% | 3,192 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7232% | 1,862 |
| Assets per employee ($millions) | 2.2381% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,632 |
| Loan loss allowance to noncurrent loans | 857.1429% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 6,176 |
| Noncurrent loans to loans | 0.1706% | 5,811 |
| Net loans and leases to total assets | 51.6244% | 4,923 |
| Net loans and leases to deposits | 60.1517% | 4,953 |
| Net loans and leases to core deposits | 60.1517% | 5,287 |
| Total domestic deposits to total assets | 85.8237% | 3,348 |
| Equity capital to assets | 12.4912% | 1,582 |
| Core capital (leverage) ratio | 12.6389% | 1,354 |
| Tier 1 risk-based capital ratio | 22.0706% | 1,309 |
| Total risk-based capital ratio | 23.3224% | 1,292 |
| Memoranda: | ||
| Average total assets | $15,745,750 | 6,833 |
| Average earning assets | $15,167,250 | 6,810 |
| Average equity | $1,923,750 | 6,779 |
| Average total loans | $7,918,500 | 6,727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 4,913 |
| Cost of funding earning assets | 0.4997% | 3,905 |
| Net interest margin | 3.2747% | 4,667 |
| Noninterest income to average assets | 0.0888% | 6,559 |
| Noninterest expense to average assets | 2.6503% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5960% | 4,308 |
| Return on assets (ROA) | 0.5960% | 4,491 |
| Pretax return on assets | 0.5960% | 5,026 |
| Return on Equity (ROE) | 4.9146% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.9146% | 3,107 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6406% | 1,938 |
| Assets per employee ($millions) | 2.2121% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 3,774 |
| Loan loss allowance to noncurrent loans | 857.1429% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 6,220 |
| Noncurrent loans to loans | 0.1703% | 5,895 |
| Net loans and leases to total assets | 52.3216% | 4,816 |
| Net loans and leases to deposits | 61.9514% | 4,754 |
| Net loans and leases to core deposits | 61.9514% | 5,096 |
| Total domestic deposits to total assets | 84.4559% | 4,144 |
| Equity capital to assets | 12.4960% | 1,574 |
| Core capital (leverage) ratio | 12.3233% | 1,445 |
| Tier 1 risk-based capital ratio | 22.0488% | 1,274 |
| Total risk-based capital ratio | 23.3022% | 1,251 |
| Memoranda: | ||
| Average total assets | $15,772,000 | 6,882 |
| Average earning assets | $15,207,670 | 6,859 |
| Average equity | $1,912,670 | 6,828 |
| Average total loans | $7,822,000 | 6,776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,859 |
| Cost of funding earning assets | 0.5487% | 3,585 |
| Net interest margin | 3.2399% | 4,760 |
| Noninterest income to average assets | 0.0754% | 6,656 |
| Noninterest expense to average assets | 2.4630% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7288% | 3,545 |
| Return on assets (ROA) | 0.7288% | 3,682 |
| Pretax return on assets | 0.7288% | 4,448 |
| Return on Equity (ROE) | 6.1004% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.1004% | 2,624 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1654% | 2,730 |
| Assets per employee ($millions) | 2.3223% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 3,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.7520% | 5,360 |
| Net loans and leases to deposits | 55.7798% | 5,269 |
| Net loans and leases to core deposits | 55.7798% | 5,540 |
| Total domestic deposits to total assets | 83.8152% | 4,553 |
| Equity capital to assets | 11.7864% | 2,188 |
| Core capital (leverage) ratio | 11.8206% | 1,669 |
| Tier 1 risk-based capital ratio | 22.4751% | 1,245 |
| Total risk-based capital ratio | 23.7302% | 1,230 |
| Memoranda: | ||
| Average total assets | $15,915,500 | 6,953 |
| Average earning assets | $15,309,000 | 6,929 |
| Average equity | $1,901,500 | 6,892 |
| Average total loans | $7,622,000 | 6,859 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 5,191 |
| Cost of funding earning assets | 0.5751% | 4,587 |
| Net interest margin | 3.4645% | 4,649 |
| Noninterest income to average assets | 0.1040% | 6,486 |
| Noninterest expense to average assets | 3.3591% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0260% | 6,127 |
| Return on assets (ROA) | 0.0260% | 6,272 |
| Pretax return on assets | 0.0325% | 6,245 |
| Return on Equity (ROE) | 0.2089% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.2089% | 5,743 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0421% | 592 |
| Assets per employee ($millions) | 2.2250% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 47.5377% | 5,459 |
| Net loans and leases to deposits | 55.8203% | 5,465 |
| Net loans and leases to core deposits | 55.8203% | 5,723 |
| Total domestic deposits to total assets | 85.1621% | 3,784 |
| Equity capital to assets | 12.1156% | 1,970 |
| Core capital (leverage) ratio | 12.1671% | 1,469 |
| Tier 1 risk-based capital ratio | 22.9534% | 1,119 |
| Total risk-based capital ratio | 24.2063% | 1,101 |
| Memoranda: | ||
| Average total assets | $15,391,000 | 7,021 |
| Average earning assets | $14,605,400 | 6,997 |
| Average equity | $1,914,800 | 6,961 |
| Average total loans | $7,640,600 | 6,927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 4,982 |
| Cost of funding earning assets | 0.5996% | 4,651 |
| Net interest margin | 3.5516% | 4,433 |
| Noninterest income to average assets | 0.1217% | 6,527 |
| Noninterest expense to average assets | 2.8239% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6343% | 4,219 |
| Return on assets (ROA) | 0.6343% | 4,472 |
| Pretax return on assets | 0.6429% | 5,042 |
| Return on Equity (ROE) | 5.0647% | 4,796 |
| Retained earnings to average equity (ytd only) | 5.0647% | 3,324 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4536% | 1,872 |
| Assets per employee ($millions) | 2.1744% | 6,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 3,521 |
| Loan loss allowance to noncurrent loans | 38.4615% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0498% | 2,583 |
| Noncurrent loans to loans | 4.1550% | 1,202 |
| Net loans and leases to total assets | 48.5448% | 5,486 |
| Net loans and leases to deposits | 55.7745% | 5,654 |
| Net loans and leases to core deposits | 55.7745% | 5,908 |
| Total domestic deposits to total assets | 87.0376% | 2,646 |
| Equity capital to assets | 12.8507% | 1,679 |
| Core capital (leverage) ratio | 12.7576% | 1,292 |
| Tier 1 risk-based capital ratio | 23.7206% | 1,060 |
| Total risk-based capital ratio | 24.9697% | 1,039 |
| Memoranda: | ||
| Average total assets | $15,345,000 | 7,115 |
| Average earning assets | $14,453,250 | 7,095 |
| Average equity | $1,921,750 | 7,055 |
| Average total loans | $7,669,750 | 7,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 4,825 |
| Cost of funding earning assets | 0.6112% | 4,800 |
| Net interest margin | 3.6255% | 4,164 |
| Noninterest income to average assets | 0.1040% | 6,658 |
| Noninterest expense to average assets | 2.8337% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6499% | 4,114 |
| Return on assets (ROA) | 0.6499% | 4,367 |
| Pretax return on assets | 0.6629% | 4,933 |
| Return on Equity (ROE) | 5.2347% | 4,689 |
| Retained earnings to average equity (ytd only) | 5.2347% | 3,133 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0409% | 2,023 |
| Assets per employee ($millions) | 2.1811% | 6,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,648 |
| Loan loss allowance to noncurrent loans | 59.7015% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 3,797 |
| Noncurrent loans to loans | 2.6591% | 2,257 |
| Net loans and leases to total assets | 48.7228% | 5,531 |
| Net loans and leases to deposits | 55.8945% | 5,660 |
| Net loans and leases to core deposits | 55.8945% | 5,954 |
| Total domestic deposits to total assets | 87.1692% | 2,674 |
| Equity capital to assets | 12.6605% | 1,711 |
| Core capital (leverage) ratio | 12.4943% | 1,355 |
| Tier 1 risk-based capital ratio | 22.8271% | 1,156 |
| Total risk-based capital ratio | 24.0789% | 1,140 |
| Memoranda: | ||
| Average total assets | $15,386,330 | 7,176 |
| Average earning assets | $14,398,000 | 7,155 |
| Average equity | $1,910,330 | 7,106 |
| Average total loans | $7,723,330 | 7,080 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 4,221 |
| Cost of funding earning assets | 0.6442% | 4,783 |
| Net interest margin | 3.7810% | 3,481 |
| Noninterest income to average assets | 0.1036% | 6,724 |
| Noninterest expense to average assets | 2.7969% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8028% | 3,362 |
| Return on assets (ROA) | 0.8028% | 3,599 |
| Pretax return on assets | 0.8028% | 4,404 |
| Return on Equity (ROE) | 6.5298% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.5298% | 2,664 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6978% | 2,539 |
| Assets per employee ($millions) | 2.2401% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,726 |
| Loan loss allowance to noncurrent loans | 65.9341% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 4,187 |
| Noncurrent loans to loans | 2.4231% | 2,684 |
| Net loans and leases to total assets | 47.1335% | 5,662 |
| Net loans and leases to deposits | 53.7645% | 5,829 |
| Net loans and leases to core deposits | 53.7645% | 6,073 |
| Total domestic deposits to total assets | 87.6666% | 2,545 |
| Equity capital to assets | 12.2059% | 1,912 |
| Core capital (leverage) ratio | 12.3643% | 1,405 |
| Tier 1 risk-based capital ratio | 22.1400% | 1,268 |
| Total risk-based capital ratio | 23.3892% | 1,239 |
| Memoranda: | ||
| Average total assets | $15,445,500 | 7,234 |
| Average earning assets | $14,282,000 | 7,217 |
| Average equity | $1,899,000 | 7,163 |
| Average total loans | $7,805,500 | 7,139 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 4,778 |
| Cost of funding earning assets | 0.8055% | 4,829 |
| Net interest margin | 3.7680% | 3,991 |
| Noninterest income to average assets | 0.1085% | 6,602 |
| Noninterest expense to average assets | 3.2869% | 2,561 |
| Loan and lease loss provision to assets | 0.1979% | 4,211 |
| Net operating income to assets | 0.1468% | 5,746 |
| Return on assets (ROA) | 0.1468% | 5,880 |
| Pretax return on assets | 0.1468% | 5,890 |
| Return on Equity (ROE) | 1.2039% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.2039% | 5,289 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5097% | 1,150 |
| Assets per employee ($millions) | 2.5350% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 4,104 |
| Loan loss allowance to noncurrent loans | 65.9341% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 4,242 |
| Noncurrent loans to loans | 2.2469% | 2,901 |
| Net loans and leases to total assets | 52.4655% | 5,240 |
| Net loans and leases to deposits | 60.0361% | 5,479 |
| Net loans and leases to core deposits | 60.0361% | 5,847 |
| Total domestic deposits to total assets | 87.3899% | 2,538 |
| Equity capital to assets | 12.3866% | 1,864 |
| Core capital (leverage) ratio | 12.1635% | 1,513 |
| Tier 1 risk-based capital ratio | 20.9078% | 1,432 |
| Total risk-based capital ratio | 22.1618% | 1,410 |
| Memoranda: | ||
| Average total assets | $15,668,400 | 7,278 |
| Average earning assets | $14,649,800 | 7,253 |
| Average equity | $1,910,400 | 7,221 |
| Average total loans | $7,949,200 | 7,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 4,725 |
| Cost of funding earning assets | 0.8377% | 4,876 |
| Net interest margin | 3.7971% | 3,893 |
| Noninterest income to average assets | 0.0929% | 6,784 |
| Noninterest expense to average assets | 2.5427% | 5,307 |
| Loan and lease loss provision to assets | 0.2619% | 3,410 |
| Net operating income to assets | 0.8110% | 3,104 |
| Return on assets (ROA) | 0.8110% | 3,273 |
| Pretax return on assets | 0.8110% | 4,089 |
| Return on Equity (ROE) | 6.6771% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.6771% | 2,148 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3271% | 3,903 |
| Assets per employee ($millions) | 2.5977% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 3,624 |
| Loan loss allowance to noncurrent loans | 44.1176% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 3,480 |
| Noncurrent loans to loans | 3.6466% | 1,884 |
| Net loans and leases to total assets | 47.0871% | 6,046 |
| Net loans and leases to deposits | 54.7564% | 6,141 |
| Net loans and leases to core deposits | 54.7564% | 6,406 |
| Total domestic deposits to total assets | 85.9938% | 3,217 |
| Equity capital to assets | 12.5561% | 1,882 |
| Core capital (leverage) ratio | 12.5312% | 1,424 |
| Tier 1 risk-based capital ratio | 22.5409% | 1,210 |
| Total risk-based capital ratio | 23.7964% | 1,186 |
| Memoranda: | ||
| Average total assets | $15,783,000 | 7,354 |
| Average earning assets | $14,642,500 | 7,330 |
| Average equity | $1,917,000 | 7,294 |
| Average total loans | $7,911,500 | 7,259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 4,837 |
| Cost of funding earning assets | 0.8446% | 5,105 |
| Net interest margin | 3.7869% | 3,854 |
| Noninterest income to average assets | 0.0883% | 6,888 |
| Noninterest expense to average assets | 2.6248% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9717% | 2,351 |
| Return on assets (ROA) | 0.9717% | 2,451 |
| Pretax return on assets | 0.9717% | 3,356 |
| Return on Equity (ROE) | 8.0896% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.0896% | 1,434 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9825% | 3,545 |
| Assets per employee ($millions) | 2.5950% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,870 |
| Loan loss allowance to noncurrent loans | 47.8495% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 4,502 |
| Noncurrent loans to loans | 2.3420% | 3,049 |
| Net loans and leases to total assets | 50.4367% | 5,765 |
| Net loans and leases to deposits | 59.3037% | 5,793 |
| Net loans and leases to core deposits | 59.3037% | 6,159 |
| Total domestic deposits to total assets | 85.0482% | 3,856 |
| Equity capital to assets | 12.4470% | 1,816 |
| Core capital (leverage) ratio | 12.2449% | 1,481 |
| Tier 1 risk-based capital ratio | 20.9129% | 1,439 |
| Total risk-based capital ratio | 21.8733% | 1,465 |
| Memoranda: | ||
| Average total assets | $15,848,670 | 7,426 |
| Average earning assets | $14,682,330 | 7,402 |
| Average equity | $1,903,670 | 7,363 |
| Average total loans | $8,062,330 | 7,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 4,361 |
| Cost of funding earning assets | 0.8805% | 5,063 |
| Net interest margin | 3.8521% | 3,369 |
| Noninterest income to average assets | 0.1001% | 6,915 |
| Noninterest expense to average assets | 2.3267% | 6,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2760% | 1,330 |
| Return on assets (ROA) | 1.2760% | 1,375 |
| Pretax return on assets | 1.2760% | 2,116 |
| Return on Equity (ROE) | 10.8137% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.8137% | 936 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5833% | 5,262 |
| Assets per employee ($millions) | 2.6960% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.9058% | 5,968 |
| Net loans and leases to deposits | 55.5704% | 6,166 |
| Net loans and leases to core deposits | 55.5704% | 6,446 |
| Total domestic deposits to total assets | 88.0069% | 2,368 |
| Equity capital to assets | 11.8200% | 2,029 |
| Core capital (leverage) ratio | 11.9672% | 1,584 |
| Tier 1 risk-based capital ratio | 20.2071% | 1,543 |
| Total risk-based capital ratio | 21.1477% | 1,572 |
| Memoranda: | ||
| Average total assets | $15,988,000 | 7,482 |
| Average earning assets | $14,537,500 | 7,465 |
| Average equity | $1,886,500 | 7,415 |
| Average total loans | $8,122,500 | 7,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 5,045 |
| Cost of funding earning assets | 0.9878% | 5,750 |
| Net interest margin | 3.9096% | 3,441 |
| Noninterest income to average assets | 0.1041% | 6,878 |
| Noninterest expense to average assets | 3.7404% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0195% | 5,774 |
| Return on assets (ROA) | 0.0195% | 5,910 |
| Pretax return on assets | 0.0195% | 5,858 |
| Return on Equity (ROE) | 0.1564% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.1564% | 5,500 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4810% | 793 |
| Assets per employee ($millions) | 2.6333% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 6,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.6203% | 5,970 |
| Net loans and leases to deposits | 58.6763% | 6,191 |
| Net loans and leases to core deposits | 58.6763% | 6,501 |
| Total domestic deposits to total assets | 87.9747% | 2,259 |
| Equity capital to assets | 11.7785% | 2,054 |
| Core capital (leverage) ratio | 11.5741% | 1,799 |
| Tier 1 risk-based capital ratio | 19.4401% | 1,610 |
| Total risk-based capital ratio | 20.3698% | 1,656 |
| Memoranda: | ||
| Average total assets | $15,372,800 | 7,566 |
| Average earning assets | $14,374,800 | 7,540 |
| Average equity | $1,917,600 | 7,515 |
| Average total loans | $7,502,400 | 7,483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 4,838 |
| Cost of funding earning assets | 1.0290% | 5,804 |
| Net interest margin | 3.9663% | 3,253 |
| Noninterest income to average assets | 0.0961% | 7,063 |
| Noninterest expense to average assets | 2.5590% | 5,473 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2402% | 1,488 |
| Return on assets (ROA) | 1.2402% | 1,568 |
| Pretax return on assets | 1.2402% | 2,360 |
| Return on Equity (ROE) | 9.8010% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.8010% | 843 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3563% | 4,594 |
| Assets per employee ($millions) | 2.5822% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,584 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,356 |
| Noncurrent loans to loans | 0.0133% | 7,231 |
| Net loans and leases to total assets | 48.0346% | 6,517 |
| Net loans and leases to deposits | 55.2815% | 6,666 |
| Net loans and leases to core deposits | 55.2815% | 6,897 |
| Total domestic deposits to total assets | 86.8909% | 2,587 |
| Equity capital to assets | 12.9091% | 1,626 |
| Core capital (leverage) ratio | 12.7787% | 1,306 |
| Tier 1 risk-based capital ratio | 22.3739% | 1,152 |
| Total risk-based capital ratio | 23.3695% | 1,159 |
| Memoranda: | ||
| Average total assets | $15,266,000 | 7,664 |
| Average earning assets | $14,253,000 | 7,637 |
| Average equity | $1,931,750 | 7,609 |
| Average total loans | $7,316,750 | 7,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 4,816 |
| Cost of funding earning assets | 1.0561% | 5,895 |
| Net interest margin | 3.9709% | 3,154 |
| Noninterest income to average assets | 0.1053% | 7,073 |
| Noninterest expense to average assets | 2.5148% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3035% | 1,294 |
| Return on assets (ROA) | 1.3035% | 1,358 |
| Pretax return on assets | 1.3035% | 2,074 |
| Return on Equity (ROE) | 10.3719% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.3719% | 772 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8621% | 5,004 |
| Assets per employee ($millions) | 2.6012% | 6,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.3057% | 6,682 |
| Net loans and leases to deposits | 54.2549% | 6,846 |
| Net loans and leases to core deposits | 54.2549% | 7,023 |
| Total domestic deposits to total assets | 87.1916% | 2,437 |
| Equity capital to assets | 12.5392% | 1,770 |
| Core capital (leverage) ratio | 12.8269% | 1,268 |
| Tier 1 risk-based capital ratio | 21.9740% | 1,205 |
| Total risk-based capital ratio | 22.9733% | 1,217 |
| Memoranda: | ||
| Average total assets | $15,190,330 | 7,727 |
| Average earning assets | $14,203,330 | 7,701 |
| Average equity | $1,909,000 | 7,679 |
| Average total loans | $7,245,330 | 7,652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 5,055 |
| Cost of funding earning assets | 1.0716% | 6,032 |
| Net interest margin | 3.9196% | 3,242 |
| Noninterest income to average assets | 0.1068% | 7,165 |
| Noninterest expense to average assets | 2.3762% | 6,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4417% | 1,000 |
| Return on assets (ROA) | 1.4417% | 1,077 |
| Pretax return on assets | 1.4417% | 1,664 |
| Return on Equity (ROE) | 11.4589% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.4589% | 837 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2378% | 5,790 |
| Assets per employee ($millions) | 2.4987% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 5,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 46.8316% | 6,767 |
| Net loans and leases to deposits | 53.8131% | 6,927 |
| Net loans and leases to core deposits | 53.8131% | 7,115 |
| Total domestic deposits to total assets | 87.0264% | 2,618 |
| Equity capital to assets | 12.7535% | 1,624 |
| Core capital (leverage) ratio | 12.7069% | 1,324 |
| Tier 1 risk-based capital ratio | 22.3130% | 1,159 |
| Total risk-based capital ratio | 23.3516% | 1,172 |
| Memoranda: | ||
| Average total assets | $14,982,000 | 7,833 |
| Average earning assets | $14,185,000 | 7,798 |
| Average equity | $1,885,000 | 7,768 |
| Average total loans | $7,132,000 | 7,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5184% | 4,047 |
| Cost of funding earning assets | 1.4234% | 5,831 |
| Net interest margin | 4.0950% | 2,475 |
| Noninterest income to average assets | 0.1077% | 7,225 |
| Noninterest expense to average assets | 3.8705% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0135% | 5,453 |
| Return on assets (ROA) | 0.0135% | 5,494 |
| Pretax return on assets | 0.0135% | 5,408 |
| Return on Equity (ROE) | 0.1040% | 5,504 |
| Retained earnings to average equity (ytd only) | 0.1040% | 4,842 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6534% | 1,119 |
| Assets per employee ($millions) | 2.4953% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 5,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 47.1881% | 6,884 |
| Net loans and leases to deposits | 54.0841% | 7,044 |
| Net loans and leases to core deposits | 57.6358% | 7,353 |
| Total domestic deposits to total assets | 87.2495% | 2,355 |
| Equity capital to assets | 12.4098% | 1,792 |
| Core capital (leverage) ratio | 12.2973% | 1,528 |
| Tier 1 risk-based capital ratio | 21.5221% | 1,211 |
| Total risk-based capital ratio | 22.5530% | 1,221 |
| Memoranda: | ||
| Average total assets | $14,855,800 | 7,898 |
| Average earning assets | $13,699,600 | 7,876 |
| Average equity | $1,922,600 | 7,853 |
| Average total loans | $7,270,800 | 7,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 3,553 |
| Cost of funding earning assets | 1.4946% | 5,846 |
| Net interest margin | 4.1593% | 2,181 |
| Noninterest income to average assets | 0.1169% | 7,306 |
| Noninterest expense to average assets | 2.5539% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3669% | 1,090 |
| Return on assets (ROA) | 1.3669% | 1,147 |
| Pretax return on assets | 1.3669% | 1,778 |
| Return on Equity (ROE) | 10.4531% | 1,776 |
| Retained earnings to average equity (ytd only) | 10.4531% | 551 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1376% | 5,525 |
| Assets per employee ($millions) | 2.4868% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 4,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.8534% | 7,050 |
| Net loans and leases to deposits | 54.3117% | 7,190 |
| Net loans and leases to core deposits | 57.9349% | 7,468 |
| Total domestic deposits to total assets | 86.2677% | 2,560 |
| Equity capital to assets | 13.4642% | 1,513 |
| Core capital (leverage) ratio | 13.4336% | 1,249 |
| Tier 1 risk-based capital ratio | 27.7985% | 694 |
| Total risk-based capital ratio | 29.0300% | 682 |
| Memoranda: | ||
| Average total assets | $14,826,750 | 7,979 |
| Average earning assets | $13,559,750 | 7,965 |
| Average equity | $1,938,750 | 7,932 |
| Average total loans | $7,300,000 | 7,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 3,184 |
| Cost of funding earning assets | 1.5462% | 5,940 |
| Net interest margin | 4.2264% | 1,895 |
| Noninterest income to average assets | 0.1217% | 7,373 |
| Noninterest expense to average assets | 2.4602% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5410% | 767 |
| Return on assets (ROA) | 1.5410% | 822 |
| Pretax return on assets | 1.5410% | 1,349 |
| Return on Equity (ROE) | 11.9040% | 1,445 |
| Retained earnings to average equity (ytd only) | 11.9040% | 462 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4865% | 6,316 |
| Assets per employee ($millions) | 2.4940% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 48.5098% | 6,993 |
| Net loans and leases to deposits | 56.1147% | 7,162 |
| Net loans and leases to core deposits | 60.3559% | 7,439 |
| Total domestic deposits to total assets | 86.4475% | 2,538 |
| Equity capital to assets | 13.1649% | 1,628 |
| Core capital (leverage) ratio | 13.0533% | 1,412 |
| Tier 1 risk-based capital ratio | 26.1377% | 851 |
| Total risk-based capital ratio | 27.3186% | 828 |
| Memoranda: | ||
| Average total assets | $14,795,330 | 8,072 |
| Average earning assets | $13,581,330 | 8,051 |
| Average equity | $1,915,330 | 8,020 |
| Average total loans | $7,373,330 | 7,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8871% | 2,863 |
| Cost of funding earning assets | 1.6190% | 5,950 |
| Net interest margin | 4.2682% | 1,680 |
| Noninterest income to average assets | 0.0816% | 7,645 |
| Noninterest expense to average assets | 2.2840% | 6,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7402% | 595 |
| Return on assets (ROA) | 1.7402% | 649 |
| Pretax return on assets | 1.7402% | 1,099 |
| Return on Equity (ROE) | 13.5593% | 1,256 |
| Retained earnings to average equity (ytd only) | 13.5593% | 561 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7568% | 6,862 |
| Assets per employee ($millions) | 2.4953% | 7,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 4,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.4486% | 7,067 |
| Net loans and leases to deposits | 54.6293% | 7,246 |
| Net loans and leases to core deposits | 58.7253% | 7,507 |
| Total domestic deposits to total assets | 86.8555% | 2,291 |
| Equity capital to assets | 12.8239% | 1,822 |
| Core capital (leverage) ratio | 12.9006% | 1,516 |
| Tier 1 risk-based capital ratio | 25.8134% | 905 |
| Total risk-based capital ratio | 27.0099% | 889 |
| Memoranda: | ||
| Average total assets | $14,711,000 | 8,124 |
| Average earning assets | $13,589,000 | 8,101 |
| Average equity | $1,888,000 | 8,075 |
| Average total loans | $7,386,000 | 8,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8739% | 6,170 |
| Cost of funding earning assets | 2.0937% | 6,079 |
| Net interest margin | 3.7801% | 4,102 |
| Noninterest income to average assets | 0.1304% | 7,459 |
| Noninterest expense to average assets | 3.7479% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0069% | 6,350 |
| Return on assets (ROA) | 0.0069% | 6,212 |
| Pretax return on assets | 0.0137% | 6,129 |
| Return on Equity (ROE) | 0.0524% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.0524% | 5,205 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6350% | 999 |
| Assets per employee ($millions) | 2.4083% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.8339% | 6,857 |
| Net loans and leases to deposits | 59.8291% | 7,101 |
| Net loans and leases to core deposits | 64.5022% | 7,422 |
| Total domestic deposits to total assets | 86.6367% | 2,125 |
| Equity capital to assets | 12.8443% | 1,854 |
| Core capital (leverage) ratio | 12.4966% | 1,752 |
| Tier 1 risk-based capital ratio | 24.3697% | 1,043 |
| Total risk-based capital ratio | 25.5383% | 1,033 |
| Memoranda: | ||
| Average total assets | $14,568,200 | 8,177 |
| Average earning assets | $13,994,200 | 8,140 |
| Average equity | $1,909,400 | 8,138 |
| Average total loans | $7,246,200 | 8,070 |