Home > The First National Bank of Proctor > Performance and Condition Ratios
The First National Bank of Proctor, 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 | 3.7834% | 4,195 |
| Cost of funding earning assets | 0.3961% | 4,300 |
| Net interest margin | 3.3872% | 2,431 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.0376% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3875% | 3,899 |
| Return on assets (ROA) | 0.3875% | 3,890 |
| Pretax return on assets | 0.5287% | 3,766 |
| Return on Equity (ROE) | 5.8700% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.8695% | 2,299 |
| Net charge-offs to loans | 0.0197% | 1,951 |
| Credit loss provision to net charge-offs | 33.3333% | 2,265 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,248 |
| Efficiency ratio | 85.0966% | 607 |
| Assets per employee ($millions) | 5.1567% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 4,223 |
| Loan loss allowance to noncurrent loans | 671.4286% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,291 |
| Noncurrent loans to loans | 0.0921% | 3,081 |
| Net loans and leases to total assets | 48.8200% | 3,671 |
| Net loans and leases to deposits | 52.8664% | 3,838 |
| Net loans and leases to core deposits | 52.8664% | 4,005 |
| Total domestic deposits to total assets | 92.3500% | 253 |
| Equity capital to assets | 7.5178% | 3,708 |
| Core capital (leverage) ratio | 8.6909% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1595% | 417 |
| Memoranda: | ||
| Average total assets | $30,451,800 | 4,463 |
| Average earning assets | $29,788,400 | 4,418 |
| Average equity | $2,010,400 | 4,489 |
| Average total loans | $15,211,200 | 4,346 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,170 |
| Cost of funding earning assets | 0.3234% | 4,340 |
| Net interest margin | 3.4133% | 2,424 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.9805% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4352% | 3,899 |
| Return on assets (ROA) | 0.4352% | 3,901 |
| Pretax return on assets | 0.6110% | 3,717 |
| Return on Equity (ROE) | 6.8300% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.8339% | 2,352 |
| Net charge-offs to loans | 0.0263% | 1,541 |
| Credit loss provision to net charge-offs | 33.3333% | 1,960 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 1,352 |
| Efficiency ratio | 82.8851% | 676 |
| Assets per employee ($millions) | 4.3033% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6130% | 4,249 |
| Loan loss allowance to noncurrent loans | 626.6667% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,310 |
| Noncurrent loans to loans | 0.0978% | 3,089 |
| Net loans and leases to total assets | 50.6000% | 3,578 |
| Net loans and leases to deposits | 54.1844% | 3,782 |
| Net loans and leases to core deposits | 54.1844% | 3,916 |
| Total domestic deposits to total assets | 93.3800% | 254 |
| Equity capital to assets | 6.5033% | 3,830 |
| Core capital (leverage) ratio | 8.8852% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6730% | 452 |
| Memoranda: | ||
| Average total assets | $30,329,750 | 4,485 |
| Average earning assets | $29,687,250 | 4,443 |
| Average equity | $1,931,500 | 4,513 |
| Average total loans | $15,214,250 | 4,369 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,128 |
| Cost of funding earning assets | 0.2758% | 4,348 |
| Net interest margin | 3.4371% | 2,424 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.9475% | 1,133 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4737% | 3,865 |
| Return on assets (ROA) | 0.4737% | 3,869 |
| Pretax return on assets | 0.6645% | 3,678 |
| Return on Equity (ROE) | 7.4900% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.4909% | 2,131 |
| Net charge-offs to loans | 0.0395% | 1,125 |
| Credit loss provision to net charge-offs | 33.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,488 |
| Efficiency ratio | 81.4545% | 749 |
| Assets per employee ($millions) | 4.2571% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 4,272 |
| Loan loss allowance to noncurrent loans | 587.5000% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,239 |
| Noncurrent loans to loans | 0.1059% | 2,957 |
| Net loans and leases to total assets | 50.4000% | 3,534 |
| Net loans and leases to deposits | 54.0138% | 3,745 |
| Net loans and leases to core deposits | 54.0138% | 3,890 |
| Total domestic deposits to total assets | 93.3000% | 210 |
| Equity capital to assets | 6.6074% | 3,949 |
| Core capital (leverage) ratio | 8.5752% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3543% | 418 |
| Memoranda: | ||
| Average total assets | $30,398,667 | 4,510 |
| Average earning assets | $29,734,000 | 4,472 |
| Average equity | $1,922,333 | 4,546 |
| Average total loans | $15,174,000 | 4,393 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 4,128 |
| Cost of funding earning assets | 0.2132% | 4,355 |
| Net interest margin | 3.4110% | 2,601 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.1012% | 934 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3388% | 4,191 |
| Return on assets (ROA) | 0.3388% | 4,145 |
| Pretax return on assets | 0.4821% | 4,017 |
| Return on Equity (ROE) | 5.4800% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.4766% | 2,897 |
| Net charge-offs to loans | 0.0789% | 678 |
| Credit loss provision to net charge-offs | 33.3333% | 1,338 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,605 |
| Efficiency ratio | 86.2319% | 500 |
| Assets per employee ($millions) | 4.3383% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6113% | 4,342 |
| Loan loss allowance to noncurrent loans | 552.9412% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,228 |
| Noncurrent loans to loans | 0.1105% | 2,968 |
| Net loans and leases to total assets | 50.3300% | 3,465 |
| Net loans and leases to deposits | 53.8795% | 3,695 |
| Net loans and leases to core deposits | 53.8795% | 3,838 |
| Total domestic deposits to total assets | 93.4100% | 244 |
| Equity capital to assets | 6.4476% | 4,049 |
| Core capital (leverage) ratio | 8.2487% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8739% | 511 |
| Memoranda: | ||
| Average total assets | $30,698,000 | 4,570 |
| Average earning assets | $30,020,500 | 4,536 |
| Average equity | $1,899,000 | 4,614 |
| Average total loans | $15,205,000 | 4,451 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1060% | 3,980 |
| Cost of funding earning assets | 0.1471% | 4,141 |
| Net interest margin | 2.9589% | 3,551 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.8034% | 1,307 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2244% | 4,434 |
| Return on assets (ROA) | 0.2244% | 4,411 |
| Pretax return on assets | 0.3025% | 4,377 |
| Return on Equity (ROE) | 3.4400% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.4397% | 3,579 |
| Net charge-offs to loans | 0.0069% | 2,147 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 995 |
| Efficiency ratio | 90.0731% | 302 |
| Assets per employee ($millions) | 5.1713% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 4,297 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,120 |
| Noncurrent loans to loans | 0.1397% | 2,814 |
| Net loans and leases to total assets | 48.1400% | 3,659 |
| Net loans and leases to deposits | 51.2244% | 3,846 |
| Net loans and leases to core deposits | 51.2244% | 3,932 |
| Total domestic deposits to total assets | 93.9700% | 246 |
| Equity capital to assets | 5.9301% | 4,115 |
| Core capital (leverage) ratio | 8.1521% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2091% | 535 |
| Memoranda: | ||
| Average total assets | $30,748,400 | 4,603 |
| Average earning assets | $29,910,000 | 4,569 |
| Average equity | $2,006,000 | 4,675 |
| Average total loans | $14,396,800 | 4,497 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9660% | 3,953 |
| Cost of funding earning assets | 0.1521% | 3,829 |
| Net interest margin | 2.8139% | 3,705 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.7467% | 1,358 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.1347% | 4,523 |
| Return on assets (ROA) | 0.1347% | 4,493 |
| Pretax return on assets | 0.1869% | 4,470 |
| Return on Equity (ROE) | 2.0200% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.0187% | 4,026 |
| Net charge-offs to loans | 0.1030% | 603 |
| Credit loss provision to net charge-offs | 109.0909% | 1,279 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,157 |
| Efficiency ratio | 91.9942% | 275 |
| Assets per employee ($millions) | 4.4433% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 4,346 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,315 |
| Noncurrent loans to loans | 0.1199% | 3,045 |
| Net loans and leases to total assets | 47.9400% | 3,632 |
| Net loans and leases to deposits | 50.7833% | 3,802 |
| Net loans and leases to core deposits | 50.7833% | 3,912 |
| Total domestic deposits to total assets | 94.4000% | 303 |
| Equity capital to assets | 5.5429% | 4,116 |
| Core capital (leverage) ratio | 8.0719% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3854% | 530 |
| Memoranda: | ||
| Average total assets | $30,678,500 | 4,639 |
| Average earning assets | $29,803,250 | 4,604 |
| Average equity | $2,047,500 | 4,715 |
| Average total loans | $14,238,000 | 4,530 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8175% | 3,946 |
| Cost of funding earning assets | 0.1622% | 3,414 |
| Net interest margin | 2.6553% | 3,804 |
| Noninterest income to average assets | 0.2489% | 3,683 |
| Noninterest expense to average assets | 2.7115% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0786% | 4,529 |
| Return on assets (ROA) | 0.0786% | 4,495 |
| Pretax return on assets | 0.1113% | 4,482 |
| Return on Equity (ROE) | 1.1135% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.1135% | 3,971 |
| Net charge-offs to loans | 0.0143% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,609 |
| Efficiency ratio | 96.0557% | 247 |
| Assets per employee ($millions) | 5.0175% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6460% | 4,414 |
| Loan loss allowance to noncurrent loans | 522.2222% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 523 |
| Noncurrent loans to loans | 0.1237% | 3,106 |
| Net loans and leases to total assets | 48.0186% | 3,552 |
| Net loans and leases to deposits | 51.3735% | 3,735 |
| Net loans and leases to core deposits | 51.3735% | 3,850 |
| Total domestic deposits to total assets | 93.4695% | 401 |
| Equity capital to assets | 6.5039% | 4,019 |
| Core capital (leverage) ratio | 8.0725% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5725% | 443 |
| Memoranda: | ||
| Average total assets | $30,537,000 | 4,676 |
| Average earning assets | $29,601,000 | 4,656 |
| Average equity | $2,155,333 | 4,736 |
| Average total loans | $13,981,667 | 4,599 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7138% | 3,922 |
| Cost of funding earning assets | 0.1604% | 3,363 |
| Net interest margin | 2.5534% | 3,781 |
| Noninterest income to average assets | 0.2471% | 3,664 |
| Noninterest expense to average assets | 2.8485% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1171% | 4,608 |
| Return on assets (ROA) | -0.1171% | 4,590 |
| Pretax return on assets | -0.1171% | 4,581 |
| Return on Equity (ROE) | -1.5972% | 4,620 |
| Retained earnings to average equity (ytd only) | -1.5972% | 4,209 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2857% | 186 |
| Assets per employee ($millions) | 4.3623% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,420 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 573 |
| Noncurrent loans to loans | 0.1433% | 3,091 |
| Net loans and leases to total assets | 45.3989% | 3,632 |
| Net loans and leases to deposits | 48.7344% | 3,833 |
| Net loans and leases to core deposits | 48.7344% | 3,945 |
| Total domestic deposits to total assets | 93.1556% | 239 |
| Equity capital to assets | 6.8280% | 4,287 |
| Core capital (leverage) ratio | 7.8726% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3859% | 283 |
| Memoranda: | ||
| Average total assets | $30,753,000 | 4,698 |
| Average earning assets | $29,921,000 | 4,679 |
| Average equity | $2,254,000 | 4,755 |
| Average total loans | $13,697,500 | 4,625 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7928% | 4,214 |
| Cost of funding earning assets | 0.2087% | 3,383 |
| Net interest margin | 2.5842% | 4,070 |
| Noninterest income to average assets | 0.2335% | 3,981 |
| Noninterest expense to average assets | 2.7450% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0000% | 4,680 |
| Return on assets (ROA) | 0.0000% | 4,691 |
| Pretax return on assets | 0.0034% | 4,687 |
| Return on Equity (ROE) | 0.0000% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8768% | 147 |
| Assets per employee ($millions) | 4.4243% | 4,174 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 4,406 |
| Loan loss allowance to noncurrent loans | 123.3766% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 477 |
| Noncurrent loans to loans | 0.5730% | 1,705 |
| Net loans and leases to total assets | 43.0804% | 3,906 |
| Net loans and leases to deposits | 46.7468% | 4,060 |
| Net loans and leases to core deposits | 46.7468% | 4,156 |
| Total domestic deposits to total assets | 92.1569% | 145 |
| Equity capital to assets | 7.8237% | 4,458 |
| Core capital (leverage) ratio | 7.9477% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5358% | 522 |
| Memoranda: | ||
| Average total assets | $29,544,800 | 4,746 |
| Average earning assets | $28,752,000 | 4,721 |
| Average equity | $2,472,000 | 4,787 |
| Average total loans | $13,299,400 | 4,677 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8822% | 4,196 |
| Cost of funding earning assets | 0.2253% | 3,370 |
| Net interest margin | 2.6569% | 4,043 |
| Noninterest income to average assets | 0.2284% | 4,039 |
| Noninterest expense to average assets | 2.7818% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0228% | 4,732 |
| Return on assets (ROA) | 0.0228% | 4,745 |
| Pretax return on assets | 0.0320% | 4,742 |
| Return on Equity (ROE) | 0.2684% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.2684% | 4,526 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8636% | 168 |
| Assets per employee ($millions) | 4.3453% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7184% | 4,475 |
| Loan loss allowance to noncurrent loans | 121.7949% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 549 |
| Noncurrent loans to loans | 0.5898% | 1,833 |
| Net loans and leases to total assets | 43.1634% | 4,009 |
| Net loans and leases to deposits | 47.0051% | 4,179 |
| Net loans and leases to core deposits | 47.0051% | 4,281 |
| Total domestic deposits to total assets | 91.8269% | 159 |
| Equity capital to assets | 8.1369% | 4,447 |
| Core capital (leverage) ratio | 7.8382% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5586% | 504 |
| Memoranda: | ||
| Average total assets | $29,188,500 | 4,820 |
| Average earning assets | $28,403,750 | 4,795 |
| Average equity | $2,484,250 | 4,859 |
| Average total loans | $13,265,000 | 4,748 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9792% | 4,080 |
| Cost of funding earning assets | 0.2429% | 3,345 |
| Net interest margin | 2.7363% | 3,907 |
| Noninterest income to average assets | 0.2085% | 4,153 |
| Noninterest expense to average assets | 2.7798% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0625% | 4,743 |
| Return on assets (ROA) | 0.0625% | 4,753 |
| Pretax return on assets | 0.0903% | 4,743 |
| Return on Equity (ROE) | 0.7237% | 4,729 |
| Retained earnings to average equity (ytd only) | 0.7237% | 4,392 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8523% | 201 |
| Assets per employee ($millions) | 4.4243% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,520 |
| Loan loss allowance to noncurrent loans | 121.7949% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 662 |
| Noncurrent loans to loans | 0.5844% | 1,939 |
| Net loans and leases to total assets | 42.7898% | 4,123 |
| Net loans and leases to deposits | 46.5603% | 4,288 |
| Net loans and leases to core deposits | 46.5603% | 4,378 |
| Total domestic deposits to total assets | 91.9018% | 143 |
| Equity capital to assets | 8.0659% | 4,493 |
| Core capital (leverage) ratio | 8.3499% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,779,000 | 4,856 |
| Average earning assets | $27,993,667 | 4,829 |
| Average equity | $2,487,333 | 4,893 |
| Average total loans | $13,278,667 | 4,783 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0216% | 4,030 |
| Cost of funding earning assets | 0.2679% | 3,297 |
| Net interest margin | 2.7537% | 3,859 |
| Noninterest income to average assets | 0.1734% | 4,327 |
| Noninterest expense to average assets | 3.0343% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1878% | 4,834 |
| Return on assets (ROA) | -0.1878% | 4,838 |
| Pretax return on assets | -0.1878% | 4,834 |
| Return on Equity (ROE) | -2.0951% | 4,860 |
| Retained earnings to average equity (ytd only) | -2.0951% | 4,542 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5990% | 130 |
| Assets per employee ($millions) | 3.9836% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 4,523 |
| Loan loss allowance to noncurrent loans | 120.2532% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 604 |
| Noncurrent loans to loans | 0.6058% | 2,053 |
| Net loans and leases to total assets | 46.4228% | 3,930 |
| Net loans and leases to deposits | 50.9866% | 4,110 |
| Net loans and leases to core deposits | 50.9866% | 4,245 |
| Total domestic deposits to total assets | 91.0490% | 383 |
| Equity capital to assets | 8.8650% | 3,821 |
| Core capital (leverage) ratio | 8.8882% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,683,500 | 4,885 |
| Average earning assets | $26,873,000 | 4,862 |
| Average equity | $2,482,000 | 4,919 |
| Average total loans | $13,244,500 | 4,811 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3555% | 4,259 |
| Cost of funding earning assets | 0.3391% | 3,931 |
| Net interest margin | 3.0164% | 3,848 |
| Noninterest income to average assets | 0.2892% | 3,753 |
| Noninterest expense to average assets | 3.1774% | 1,095 |
| Loan and lease loss provision to assets | -0.0342% | 4,923 |
| Net operating income to assets | 0.0533% | 4,699 |
| Return on assets (ROA) | 0.0533% | 4,733 |
| Pretax return on assets | 0.0571% | 4,726 |
| Return on Equity (ROE) | 0.5640% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.5640% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2866% | 186 |
| Assets per employee ($millions) | 3.9260% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 4,579 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 521 |
| Noncurrent loans to loans | 0.9889% | 1,432 |
| Net loans and leases to total assets | 48.5918% | 3,933 |
| Net loans and leases to deposits | 53.5037% | 4,135 |
| Net loans and leases to core deposits | 53.5037% | 4,283 |
| Total domestic deposits to total assets | 90.8194% | 273 |
| Equity capital to assets | 9.0678% | 3,997 |
| Core capital (leverage) ratio | 8.8041% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,279,600 | 4,898 |
| Average earning assets | $25,361,600 | 4,878 |
| Average equity | $2,482,200 | 4,940 |
| Average total loans | $13,946,000 | 4,824 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 4,234 |
| Cost of funding earning assets | 0.3514% | 4,049 |
| Net interest margin | 3.1302% | 3,669 |
| Noninterest income to average assets | 0.3285% | 3,516 |
| Noninterest expense to average assets | 3.2692% | 951 |
| Loan and lease loss provision to assets | 0.0154% | 4,131 |
| Net operating income to assets | 0.0411% | 4,745 |
| Return on assets (ROA) | 0.0411% | 4,769 |
| Pretax return on assets | 0.0616% | 4,754 |
| Return on Equity (ROE) | 0.4301% | 4,761 |
| Retained earnings to average equity (ytd only) | 0.4301% | 4,400 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6994% | 197 |
| Assets per employee ($millions) | 4.5395% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,392 |
| Loan loss allowance to noncurrent loans | 133.7500% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 2,981 |
| Noncurrent loans to loans | 0.5875% | 2,331 |
| Net loans and leases to total assets | 49.6053% | 4,114 |
| Net loans and leases to deposits | 54.6561% | 4,312 |
| Net loans and leases to core deposits | 54.6561% | 4,424 |
| Total domestic deposits to total assets | 90.7589% | 219 |
| Equity capital to assets | 9.1273% | 4,017 |
| Core capital (leverage) ratio | 8.9212% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,979,000 | 4,934 |
| Average earning assets | $25,045,500 | 4,913 |
| Average equity | $2,479,750 | 4,968 |
| Average total loans | $14,070,250 | 4,854 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 4,265 |
| Cost of funding earning assets | 0.3824% | 4,115 |
| Net interest margin | 3.2140% | 3,630 |
| Noninterest income to average assets | 0.3912% | 3,136 |
| Noninterest expense to average assets | 3.3960% | 857 |
| Loan and lease loss provision to assets | 0.0235% | 3,954 |
| Net operating income to assets | 0.0391% | 4,739 |
| Return on assets (ROA) | 0.0391% | 4,767 |
| Pretax return on assets | 0.0626% | 4,748 |
| Return on Equity (ROE) | 0.4036% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.4036% | 4,231 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5281% | 215 |
| Assets per employee ($millions) | 4.4252% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,435 |
| Loan loss allowance to noncurrent loans | 132.0988% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 3,089 |
| Noncurrent loans to loans | 0.5760% | 2,429 |
| Net loans and leases to total assets | 52.5630% | 3,988 |
| Net loans and leases to deposits | 58.0895% | 4,217 |
| Net loans and leases to core deposits | 58.0895% | 4,351 |
| Total domestic deposits to total assets | 90.4862% | 275 |
| Equity capital to assets | 9.3744% | 3,757 |
| Core capital (leverage) ratio | 9.3644% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,559,667 | 4,967 |
| Average earning assets | $24,580,333 | 4,947 |
| Average equity | $2,477,667 | 5,000 |
| Average total loans | $14,221,000 | 4,879 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 4,128 |
| Cost of funding earning assets | 0.3834% | 4,413 |
| Net interest margin | 3.4676% | 3,091 |
| Noninterest income to average assets | 0.6224% | 1,936 |
| Noninterest expense to average assets | 3.5908% | 819 |
| Loan and lease loss provision to assets | 0.0479% | 3,178 |
| Net operating income to assets | 0.2394% | 4,466 |
| Return on assets (ROA) | 0.2394% | 4,488 |
| Pretax return on assets | 0.3032% | 4,450 |
| Return on Equity (ROE) | 2.4272% | 4,359 |
| Retained earnings to average equity (ytd only) | 2.4272% | 3,299 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0931% | 456 |
| Assets per employee ($millions) | 3.6080% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 4,537 |
| Loan loss allowance to noncurrent loans | 130.4878% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 1,246 |
| Noncurrent loans to loans | 0.5677% | 2,579 |
| Net loans and leases to total assets | 56.7627% | 3,773 |
| Net loans and leases to deposits | 63.0597% | 4,031 |
| Net loans and leases to core deposits | 63.0597% | 4,227 |
| Total domestic deposits to total assets | 90.0143% | 316 |
| Equity capital to assets | 9.8670% | 3,909 |
| Core capital (leverage) ratio | 9.6991% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2561% | 951 |
| Memoranda: | ||
| Average total assets | $25,064,000 | 5,016 |
| Average earning assets | $23,993,500 | 4,995 |
| Average equity | $2,472,000 | 5,047 |
| Average total loans | $14,300,000 | 4,920 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 4,097 |
| Cost of funding earning assets | 0.3714% | 4,537 |
| Net interest margin | 3.7011% | 2,814 |
| Noninterest income to average assets | -0.0206% | 5,146 |
| Noninterest expense to average assets | 3.3747% | 1,160 |
| Loan and lease loss provision to assets | 0.0041% | 3,919 |
| Net operating income to assets | 0.0945% | 4,930 |
| Return on assets (ROA) | 0.0945% | 4,946 |
| Pretax return on assets | 0.1233% | 4,934 |
| Return on Equity (ROE) | 0.9482% | 4,920 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,696 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3615% | 205 |
| Assets per employee ($millions) | 3.5531% | 4,430 |
| Cash dividends to net income (ytd only)* | 100.0000% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 4,498 |
| Loan loss allowance to noncurrent loans | 126.8293% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 1,162 |
| Noncurrent loans to loans | 0.5792% | 2,450 |
| Net loans and leases to total assets | 56.5013% | 3,887 |
| Net loans and leases to deposits | 62.7730% | 4,153 |
| Net loans and leases to core deposits | 62.7730% | 4,333 |
| Total domestic deposits to total assets | 90.0088% | 314 |
| Equity capital to assets | 9.8585% | 4,051 |
| Core capital (leverage) ratio | 9.7366% | 3,806 |
| Tier 1 risk-based capital ratio | 23.1751% | 900 |
| Total risk-based capital ratio | 24.1490% | 900 |
| Memoranda: | ||
| Average total assets | $24,328,000 | 5,080 |
| Average earning assets | $23,155,000 | 5,061 |
| Average equity | $2,425,600 | 5,108 |
| Average total loans | $13,442,600 | 4,993 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 4,116 |
| Cost of funding earning assets | 0.3711% | 4,594 |
| Net interest margin | 3.7461% | 2,767 |
| Noninterest income to average assets | 0.0055% | 5,197 |
| Noninterest expense to average assets | 3.3454% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1598% | 4,977 |
| Return on assets (ROA) | 0.1598% | 4,993 |
| Pretax return on assets | 0.2205% | 4,970 |
| Return on Equity (ROE) | 1.5986% | 4,953 |
| Retained earnings to average equity (ytd only) | 0.3307% | 4,698 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8176% | 236 |
| Assets per employee ($millions) | 3.6031% | 4,388 |
| Cash dividends to net income (ytd only)* | 79.3121% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 4,531 |
| Loan loss allowance to noncurrent loans | 312.1212% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 1,052 |
| Noncurrent loans to loans | 0.2422% | 3,675 |
| Net loans and leases to total assets | 53.6040% | 4,211 |
| Net loans and leases to deposits | 59.4704% | 4,405 |
| Net loans and leases to core deposits | 59.4704% | 4,554 |
| Total domestic deposits to total assets | 90.1356% | 253 |
| Equity capital to assets | 9.7296% | 4,264 |
| Core capital (leverage) ratio | 9.6956% | 3,978 |
| Tier 1 risk-based capital ratio | 23.9435% | 848 |
| Total risk-based capital ratio | 24.9464% | 858 |
| Memoranda: | ||
| Average total assets | $24,192,000 | 5,158 |
| Average earning assets | $22,992,000 | 5,140 |
| Average equity | $2,419,000 | 5,185 |
| Average total loans | $13,264,000 | 5,074 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 4,317 |
| Cost of funding earning assets | 0.3889% | 4,550 |
| Net interest margin | 3.6412% | 3,130 |
| Noninterest income to average assets | 0.2432% | 4,299 |
| Noninterest expense to average assets | 3.8409% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1929% | 5,144 |
| Return on assets (ROA) | -0.1929% | 5,150 |
| Pretax return on assets | -0.1426% | 5,136 |
| Return on Equity (ROE) | -1.9108% | 5,160 |
| Retained earnings to average equity (ytd only) | -3.8217% | 5,009 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8549% | 132 |
| Assets per employee ($millions) | 3.5170% | 4,484 |
| Cash dividends to net income (ytd only)* | -100.0000% | 5,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 4,452 |
| Loan loss allowance to noncurrent loans | 429.1667% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1942% | 1,109 |
| Noncurrent loans to loans | 0.1856% | 3,890 |
| Net loans and leases to total assets | 52.0980% | 4,346 |
| Net loans and leases to deposits | 57.8425% | 4,523 |
| Net loans and leases to core deposits | 57.8425% | 4,651 |
| Total domestic deposits to total assets | 90.0686% | 314 |
| Equity capital to assets | 9.7729% | 4,164 |
| Core capital (leverage) ratio | 9.8377% | 3,780 |
| Tier 1 risk-based capital ratio | 19.2295% | 1,499 |
| Total risk-based capital ratio | 20.0527% | 1,564 |
| Memoranda: | ||
| Average total assets | $23,848,670 | 5,210 |
| Average earning assets | $22,629,670 | 5,190 |
| Average equity | $2,407,330 | 5,226 |
| Average total loans | $13,144,330 | 5,124 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 4,035 |
| Cost of funding earning assets | 0.3239% | 4,763 |
| Net interest margin | 3.8143% | 2,473 |
| Noninterest income to average assets | 0.2216% | 4,417 |
| Noninterest expense to average assets | 3.5118% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2387% | 4,978 |
| Return on assets (ROA) | 0.2387% | 4,983 |
| Pretax return on assets | 0.3239% | 4,933 |
| Return on Equity (ROE) | 2.3256% | 4,924 |
| Retained earnings to average equity (ytd only) | -1.4950% | 4,703 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5556% | 337 |
| Assets per employee ($millions) | 3.3754% | 4,683 |
| Cash dividends to net income (ytd only)* | 164.2857% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 4,583 |
| Loan loss allowance to noncurrent loans | 429.1667% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 882 |
| Noncurrent loans to loans | 0.1815% | 3,942 |
| Net loans and leases to total assets | 55.5189% | 4,096 |
| Net loans and leases to deposits | 61.9504% | 4,303 |
| Net loans and leases to core deposits | 61.9504% | 4,482 |
| Total domestic deposits to total assets | 89.6182% | 591 |
| Equity capital to assets | 10.2209% | 3,600 |
| Core capital (leverage) ratio | 10.3045% | 3,270 |
| Tier 1 risk-based capital ratio | 24.5528% | 795 |
| Total risk-based capital ratio | 25.5879% | 797 |
| Memoranda: | ||
| Average total assets | $23,463,500 | 5,268 |
| Average earning assets | $22,232,000 | 5,248 |
| Average equity | $2,408,000 | 5,283 |
| Average total loans | $13,252,000 | 5,183 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 4,131 |
| Cost of funding earning assets | 0.2663% | 4,730 |
| Net interest margin | 3.6978% | 3,039 |
| Noninterest income to average assets | 0.4124% | 3,363 |
| Noninterest expense to average assets | 3.6053% | 864 |
| Loan and lease loss provision to assets | 0.0510% | 3,165 |
| Net operating income to assets | 0.2168% | 5,091 |
| Return on assets (ROA) | 0.2168% | 5,088 |
| Pretax return on assets | 0.2976% | 5,050 |
| Return on Equity (ROE) | 2.1231% | 5,029 |
| Retained earnings to average equity (ytd only) | 1.1656% | 4,661 |
| Net charge-offs to loans | 0.0076% | 3,415 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 853 |
| Efficiency ratio | 91.1828% | 301 |
| Assets per employee ($millions) | 3.3284% | 4,722 |
| Cash dividends to net income (ytd only)* | 45.0980% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,612 |
| Loan loss allowance to noncurrent loans | 429.1667% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4292% | 831 |
| Noncurrent loans to loans | 0.1807% | 3,942 |
| Net loans and leases to total assets | 56.5690% | 4,088 |
| Net loans and leases to deposits | 63.1771% | 4,302 |
| Net loans and leases to core deposits | 63.1771% | 4,488 |
| Total domestic deposits to total assets | 89.5403% | 642 |
| Equity capital to assets | 10.3052% | 3,369 |
| Core capital (leverage) ratio | 10.0764% | 3,490 |
| Tier 1 risk-based capital ratio | 24.5495% | 776 |
| Total risk-based capital ratio | 25.5807% | 777 |
| Memoranda: | ||
| Average total assets | $23,520,800 | 5,312 |
| Average earning assets | $22,527,200 | 5,294 |
| Average equity | $2,402,200 | 5,327 |
| Average total loans | $13,220,600 | 5,226 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 4,066 |
| Cost of funding earning assets | 0.2475% | 4,800 |
| Net interest margin | 3.7064% | 2,996 |
| Noninterest income to average assets | 0.4637% | 3,076 |
| Noninterest expense to average assets | 3.4610% | 1,036 |
| Loan and lease loss provision to assets | 0.0113% | 3,772 |
| Net operating income to assets | 0.4015% | 4,952 |
| Return on assets (ROA) | 0.4015% | 4,952 |
| Pretax return on assets | 0.5486% | 4,818 |
| Return on Equity (ROE) | 3.9401% | 4,832 |
| Retained earnings to average equity (ytd only) | 2.6639% | 4,347 |
| Net charge-offs to loans | 0.0101% | 3,064 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 99.2481% | 757 |
| Efficiency ratio | 86.0759% | 510 |
| Assets per employee ($millions) | 3.4833% | 4,583 |
| Cash dividends to net income (ytd only)* | 32.4002% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 4,910 |
| Loan loss allowance to noncurrent loans | 372.0000% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 2.4853% | 350 |
| Noncurrent loans to loans | 0.1829% | 4,067 |
| Net loans and leases to total assets | 55.6822% | 4,242 |
| Net loans and leases to deposits | 61.9078% | 4,447 |
| Net loans and leases to core deposits | 61.9078% | 4,621 |
| Total domestic deposits to total assets | 89.9438% | 529 |
| Equity capital to assets | 9.8634% | 3,769 |
| Core capital (leverage) ratio | 10.1237% | 3,497 |
| Tier 1 risk-based capital ratio | 23.5895% | 878 |
| Total risk-based capital ratio | 24.4773% | 890 |
| Memoranda: | ||
| Average total assets | $23,576,250 | 5,383 |
| Average earning assets | $22,627,250 | 5,362 |
| Average equity | $2,402,500 | 5,394 |
| Average total loans | $13,205,000 | 5,294 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,054 |
| Cost of funding earning assets | 0.2415% | 4,792 |
| Net interest margin | 3.6670% | 3,058 |
| Noninterest income to average assets | 0.6007% | 2,322 |
| Noninterest expense to average assets | 3.5783% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4033% | 4,954 |
| Return on assets (ROA) | 0.4033% | 4,958 |
| Pretax return on assets | 0.5406% | 4,835 |
| Return on Equity (ROE) | 3.9139% | 4,846 |
| Retained earnings to average equity (ytd only) | 1.9986% | 4,460 |
| Net charge-offs to loans | 0.0153% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 964 |
| Efficiency ratio | 86.8750% | 528 |
| Assets per employee ($millions) | 3.3236% | 4,791 |
| Cash dividends to net income (ytd only)* | 48.9362% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 4,968 |
| Loan loss allowance to noncurrent loans | 364.0000% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 2.6048% | 323 |
| Noncurrent loans to loans | 0.1886% | 4,060 |
| Net loans and leases to total assets | 56.6000% | 4,113 |
| Net loans and leases to deposits | 63.2074% | 4,340 |
| Net loans and leases to core deposits | 63.2074% | 4,537 |
| Total domestic deposits to total assets | 89.5465% | 724 |
| Equity capital to assets | 10.2815% | 3,359 |
| Core capital (leverage) ratio | 10.0196% | 3,555 |
| Tier 1 risk-based capital ratio | 23.5520% | 877 |
| Total risk-based capital ratio | 24.4276% | 899 |
| Memoranda: | ||
| Average total assets | $23,307,330 | 5,448 |
| Average earning assets | $22,361,670 | 5,425 |
| Average equity | $2,401,670 | 5,456 |
| Average total loans | $13,050,000 | 5,357 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 4,106 |
| Cost of funding earning assets | 0.2144% | 4,931 |
| Net interest margin | 3.6269% | 3,086 |
| Noninterest income to average assets | 0.8916% | 1,169 |
| Noninterest expense to average assets | 3.2578% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8230% | 3,618 |
| Return on assets (ROA) | 0.8230% | 3,629 |
| Pretax return on assets | 1.1145% | 3,118 |
| Return on Equity (ROE) | 7.9784% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.1554% | 3,532 |
| Net charge-offs to loans | 0.0309% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 797 |
| Efficiency ratio | 74.5098% | 1,819 |
| Assets per employee ($millions) | 3.3647% | 4,832 |
| Cash dividends to net income (ytd only)* | 47.9167% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 5,012 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 2.5814% | 350 |
| Noncurrent loans to loans | 0.2027% | 4,059 |
| Net loans and leases to total assets | 54.0865% | 4,273 |
| Net loans and leases to deposits | 60.3887% | 4,447 |
| Net loans and leases to core deposits | 60.3887% | 4,633 |
| Total domestic deposits to total assets | 89.5640% | 852 |
| Equity capital to assets | 10.1983% | 3,397 |
| Core capital (leverage) ratio | 10.0995% | 3,425 |
| Tier 1 risk-based capital ratio | 20.7267% | 1,238 |
| Total risk-based capital ratio | 21.4975% | 1,277 |
| Memoranda: | ||
| Average total assets | $23,328,500 | 5,506 |
| Average earning assets | $22,388,000 | 5,481 |
| Average equity | $2,406,500 | 5,515 |
| Average total loans | $12,945,500 | 5,426 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,320 |
| Cost of funding earning assets | 0.2264% | 4,745 |
| Net interest margin | 3.4796% | 3,595 |
| Noninterest income to average assets | 0.3534% | 3,939 |
| Noninterest expense to average assets | 3.4231% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2012% | 5,106 |
| Return on assets (ROA) | 0.2044% | 5,117 |
| Pretax return on assets | 0.2725% | 5,241 |
| Return on Equity (ROE) | 1.9950% | 5,059 |
| Retained earnings to average equity (ytd only) | 1.0806% | 4,600 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7336% | 331 |
| Assets per employee ($millions) | 3.3006% | 4,936 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 5,064 |
| Loan loss allowance to noncurrent loans | 340.7407% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 2.6402% | 333 |
| Noncurrent loans to loans | 0.2067% | 4,085 |
| Net loans and leases to total assets | 56.1331% | 4,179 |
| Net loans and leases to deposits | 62.8100% | 4,384 |
| Net loans and leases to core deposits | 62.8100% | 4,610 |
| Total domestic deposits to total assets | 89.3698% | 840 |
| Equity capital to assets | 10.4354% | 3,231 |
| Core capital (leverage) ratio | 10.2517% | 3,126 |
| Tier 1 risk-based capital ratio | 24.2058% | 799 |
| Total risk-based capital ratio | 25.1249% | 808 |
| Memoranda: | ||
| Average total assets | $23,487,200 | 5,564 |
| Average earning assets | $22,531,400 | 5,537 |
| Average equity | $2,406,000 | 5,576 |
| Average total loans | $12,959,000 | 5,486 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,405 |
| Cost of funding earning assets | 0.2358% | 4,692 |
| Net interest margin | 3.4314% | 3,735 |
| Noninterest income to average assets | 0.3618% | 3,945 |
| Noninterest expense to average assets | 3.4318% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1820% | 5,370 |
| Return on assets (ROA) | 0.1866% | 5,377 |
| Pretax return on assets | 0.2261% | 5,362 |
| Return on Equity (ROE) | 1.8297% | 5,331 |
| Retained earnings to average equity (ytd only) | 0.6100% | 5,086 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9628% | 288 |
| Assets per employee ($millions) | 3.0323% | 5,238 |
| Cash dividends to net income (ytd only)* | 66.6591% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7142% | 5,106 |
| Loan loss allowance to noncurrent loans | 340.7407% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 2.5188% | 424 |
| Noncurrent loans to loans | 0.2096% | 4,236 |
| Net loans and leases to total assets | 52.7249% | 4,519 |
| Net loans and leases to deposits | 58.7398% | 4,700 |
| Net loans and leases to core deposits | 58.7398% | 4,883 |
| Total domestic deposits to total assets | 89.7601% | 559 |
| Equity capital to assets | 9.9761% | 3,933 |
| Core capital (leverage) ratio | 10.2854% | 3,219 |
| Tier 1 risk-based capital ratio | 24.5612% | 799 |
| Total risk-based capital ratio | 25.5000% | 801 |
| Memoranda: | ||
| Average total assets | $23,583,000 | 5,626 |
| Average earning assets | $22,614,250 | 5,598 |
| Average equity | $2,404,750 | 5,639 |
| Average total loans | $12,933,500 | 5,549 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 4,334 |
| Cost of funding earning assets | 0.2412% | 4,629 |
| Net interest margin | 3.4215% | 3,689 |
| Noninterest income to average assets | 0.3767% | 3,861 |
| Noninterest expense to average assets | 3.5191% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1199% | 5,473 |
| Return on assets (ROA) | 0.1199% | 5,478 |
| Pretax return on assets | 0.1370% | 5,480 |
| Return on Equity (ROE) | 1.1668% | 5,447 |
| Retained earnings to average equity (ytd only) | -0.6668% | 5,180 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2529% | 253 |
| Assets per employee ($millions) | 2.9109% | 5,346 |
| Cash dividends to net income (ytd only)* | 157.1429% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,152 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 2.4735% | 447 |
| Noncurrent loans to loans | 0.2099% | 4,281 |
| Net loans and leases to total assets | 54.8503% | 4,328 |
| Net loans and leases to deposits | 61.2262% | 4,547 |
| Net loans and leases to core deposits | 61.2262% | 4,756 |
| Total domestic deposits to total assets | 89.5865% | 691 |
| Equity capital to assets | 10.3234% | 3,545 |
| Core capital (leverage) ratio | 10.2393% | 3,221 |
| Tier 1 risk-based capital ratio | 24.6236% | 795 |
| Total risk-based capital ratio | 25.5826% | 797 |
| Memoranda: | ||
| Average total assets | $23,358,000 | 5,676 |
| Average earning assets | $22,388,000 | 5,647 |
| Average equity | $2,399,670 | 5,687 |
| Average total loans | $12,950,670 | 5,595 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,507 |
| Cost of funding earning assets | 0.2318% | 4,698 |
| Net interest margin | 3.3342% | 3,909 |
| Noninterest income to average assets | 0.3933% | 3,714 |
| Noninterest expense to average assets | 3.3856% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1710% | 5,431 |
| Return on assets (ROA) | 0.1710% | 5,443 |
| Pretax return on assets | 0.2052% | 5,429 |
| Return on Equity (ROE) | 1.6684% | 5,388 |
| Retained earnings to average equity (ytd only) | -2.1689% | 5,185 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2857% | 372 |
| Assets per employee ($millions) | 2.8913% | 5,435 |
| Cash dividends to net income (ytd only)* | 230.0000% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 5,263 |
| Loan loss allowance to noncurrent loans | 348.1481% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 2.4903% | 459 |
| Noncurrent loans to loans | 0.2068% | 4,375 |
| Net loans and leases to total assets | 56.0398% | 4,163 |
| Net loans and leases to deposits | 62.5700% | 4,401 |
| Net loans and leases to core deposits | 62.5700% | 4,611 |
| Total domestic deposits to total assets | 89.5633% | 870 |
| Equity capital to assets | 10.3545% | 3,340 |
| Core capital (leverage) ratio | 10.2672% | 3,165 |
| Tier 1 risk-based capital ratio | 23.8773% | 885 |
| Total risk-based capital ratio | 24.8196% | 895 |
| Memoranda: | ||
| Average total assets | $23,393,500 | 5,745 |
| Average earning assets | $22,434,500 | 5,713 |
| Average equity | $2,397,500 | 5,752 |
| Average total loans | $12,993,000 | 5,657 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 4,376 |
| Cost of funding earning assets | 0.2495% | 4,570 |
| Net interest margin | 3.3979% | 3,833 |
| Noninterest income to average assets | 0.3650% | 4,134 |
| Noninterest expense to average assets | 3.4113% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1821% | 5,450 |
| Return on assets (ROA) | 0.2086% | 5,461 |
| Pretax return on assets | 0.2390% | 5,442 |
| Return on Equity (ROE) | 1.9990% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.9990% | 4,408 |
| Net charge-offs to loans | -0.0380% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2377% | 373 |
| Assets per employee ($millions) | 2.9571% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 5,475 |
| Loan loss allowance to noncurrent loans | 273.3333% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 2.4475% | 494 |
| Noncurrent loans to loans | 0.2320% | 4,321 |
| Net loans and leases to total assets | 54.3095% | 4,420 |
| Net loans and leases to deposits | 60.4754% | 4,640 |
| Net loans and leases to core deposits | 60.4754% | 4,838 |
| Total domestic deposits to total assets | 89.8043% | 721 |
| Equity capital to assets | 10.1450% | 3,557 |
| Core capital (leverage) ratio | 10.0474% | 3,429 |
| Tier 1 risk-based capital ratio | 23.7533% | 891 |
| Total risk-based capital ratio | 24.5663% | 921 |
| Memoranda: | ||
| Average total assets | $23,011,800 | 5,804 |
| Average earning assets | $22,043,200 | 5,774 |
| Average equity | $2,401,200 | 5,810 |
| Average total loans | $13,162,400 | 5,707 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 4,272 |
| Cost of funding earning assets | 0.2438% | 4,661 |
| Net interest margin | 3.4497% | 3,672 |
| Noninterest income to average assets | 0.3384% | 4,358 |
| Noninterest expense to average assets | 3.3376% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2470% | 5,394 |
| Return on assets (ROA) | 0.2801% | 5,406 |
| Pretax return on assets | 0.3443% | 5,386 |
| Return on Equity (ROE) | 2.6650% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.6650% | 4,313 |
| Net charge-offs to loans | -0.0505% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 484 |
| Assets per employee ($millions) | 3.0238% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 5,352 |
| Loan loss allowance to noncurrent loans | 348.1481% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 2.4266% | 574 |
| Noncurrent loans to loans | 0.2105% | 4,512 |
| Net loans and leases to total assets | 52.6251% | 4,600 |
| Net loans and leases to deposits | 58.6015% | 4,840 |
| Net loans and leases to core deposits | 58.6015% | 5,018 |
| Total domestic deposits to total assets | 89.8016% | 555 |
| Equity capital to assets | 10.0331% | 4,099 |
| Core capital (leverage) ratio | 10.2280% | 3,306 |
| Tier 1 risk-based capital ratio | 24.8754% | 825 |
| Total risk-based capital ratio | 25.8513% | 836 |
| Memoranda: | ||
| Average total assets | $22,850,500 | 5,868 |
| Average earning assets | $21,876,000 | 5,837 |
| Average equity | $2,401,500 | 5,872 |
| Average total loans | $13,220,500 | 5,769 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,150 |
| Cost of funding earning assets | 0.2426% | 4,729 |
| Net interest margin | 3.4994% | 3,495 |
| Noninterest income to average assets | 0.3392% | 4,350 |
| Noninterest expense to average assets | 3.4458% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1917% | 5,541 |
| Return on assets (ROA) | 0.2410% | 5,513 |
| Pretax return on assets | 0.3035% | 5,496 |
| Return on Equity (ROE) | 2.2566% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.2566% | 4,439 |
| Net charge-offs to loans | -0.0749% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4625% | 433 |
| Assets per employee ($millions) | 2.8389% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 5,511 |
| Loan loss allowance to noncurrent loans | 348.1481% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 2.5847% | 520 |
| Noncurrent loans to loans | 0.2015% | 4,636 |
| Net loans and leases to total assets | 58.5795% | 4,060 |
| Net loans and leases to deposits | 65.6437% | 4,379 |
| Net loans and leases to core deposits | 65.6437% | 4,637 |
| Total domestic deposits to total assets | 89.2387% | 790 |
| Equity capital to assets | 10.5940% | 3,532 |
| Core capital (leverage) ratio | 10.2080% | 3,328 |
| Tier 1 risk-based capital ratio | 13.3128% | 4,008 |
| Total risk-based capital ratio | 13.8397% | 4,369 |
| Memoranda: | ||
| Average total assets | $22,404,000 | 5,947 |
| Average earning assets | $21,432,330 | 5,914 |
| Average equity | $2,393,000 | 5,949 |
| Average total loans | $13,352,670 | 5,834 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,305 |
| Cost of funding earning assets | 0.2632% | 4,573 |
| Net interest margin | 3.4406% | 3,711 |
| Noninterest income to average assets | 0.3416% | 4,282 |
| Noninterest expense to average assets | 3.3977% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1753% | 5,577 |
| Return on assets (ROA) | 0.2697% | 5,453 |
| Pretax return on assets | 0.3595% | 5,381 |
| Return on Equity (ROE) | 2.5141% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.5141% | 4,246 |
| Net charge-offs to loans | -0.0900% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5644% | 473 |
| Assets per employee ($millions) | 2.8516% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 5,597 |
| Loan loss allowance to noncurrent loans | 340.7407% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 2.5731% | 565 |
| Noncurrent loans to loans | 0.2048% | 4,688 |
| Net loans and leases to total assets | 57.3927% | 4,104 |
| Net loans and leases to deposits | 64.2254% | 4,428 |
| Net loans and leases to core deposits | 64.2254% | 4,674 |
| Total domestic deposits to total assets | 89.3613% | 915 |
| Equity capital to assets | 10.4940% | 3,504 |
| Core capital (leverage) ratio | 10.5966% | 2,853 |
| Tier 1 risk-based capital ratio | 23.2152% | 993 |
| Total risk-based capital ratio | 24.1186% | 1,007 |
| Memoranda: | ||
| Average total assets | $22,250,500 | 6,011 |
| Average earning assets | $21,275,500 | 5,979 |
| Average equity | $2,386,500 | 6,006 |
| Average total loans | $13,330,000 | 5,892 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9686% | 3,436 |
| Cost of funding earning assets | 0.2340% | 4,964 |
| Net interest margin | 3.7346% | 2,626 |
| Noninterest income to average assets | 0.3943% | 4,069 |
| Noninterest expense to average assets | 3.8363% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0941% | 5,763 |
| Return on assets (ROA) | 0.1252% | 5,768 |
| Pretax return on assets | 0.1484% | 5,754 |
| Return on Equity (ROE) | 1.1373% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.1373% | 5,062 |
| Net charge-offs to loans | -0.0073% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1798% | 361 |
| Assets per employee ($millions) | 2.7110% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 5,709 |
| Loan loss allowance to noncurrent loans | 329.6296% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 2.7066% | 539 |
| Noncurrent loans to loans | 0.2004% | 4,701 |
| Net loans and leases to total assets | 61.7208% | 3,597 |
| Net loans and leases to deposits | 69.4331% | 3,978 |
| Net loans and leases to core deposits | 69.4331% | 4,341 |
| Total domestic deposits to total assets | 88.8925% | 1,178 |
| Equity capital to assets | 10.9692% | 2,851 |
| Core capital (leverage) ratio | 10.7807% | 2,618 |
| Tier 1 risk-based capital ratio | 22.8724% | 1,031 |
| Total risk-based capital ratio | 23.7390% | 1,064 |
| Memoranda: | ||
| Average total assets | $21,557,000 | 6,076 |
| Average earning assets | $20,510,800 | 6,051 |
| Average equity | $2,374,000 | 6,063 |
| Average total loans | $13,767,800 | 5,932 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,306 |
| Cost of funding earning assets | 0.2346% | 5,048 |
| Net interest margin | 3.7733% | 2,483 |
| Noninterest income to average assets | 0.3593% | 4,366 |
| Noninterest expense to average assets | 3.7600% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1556% | 5,762 |
| Return on assets (ROA) | 0.1920% | 5,755 |
| Pretax return on assets | 0.2292% | 5,751 |
| Return on Equity (ROE) | 1.7419% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.7419% | 5,005 |
| Net charge-offs to loans | -0.0096% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2904% | 439 |
| Assets per employee ($millions) | 2.7621% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 5,853 |
| Loan loss allowance to noncurrent loans | 329.6296% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 2.6565% | 622 |
| Noncurrent loans to loans | 0.1909% | 4,880 |
| Net loans and leases to total assets | 63.5969% | 3,369 |
| Net loans and leases to deposits | 71.4329% | 3,830 |
| Net loans and leases to core deposits | 71.4329% | 4,241 |
| Total domestic deposits to total assets | 89.0302% | 1,014 |
| Equity capital to assets | 10.8069% | 3,229 |
| Core capital (leverage) ratio | 10.6946% | 2,832 |
| Tier 1 risk-based capital ratio | 21.8718% | 1,214 |
| Total risk-based capital ratio | 22.6998% | 1,251 |
| Memoranda: | ||
| Average total assets | $21,524,250 | 6,163 |
| Average earning assets | $20,459,250 | 6,140 |
| Average equity | $2,372,750 | 6,147 |
| Average total loans | $13,841,000 | 6,007 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,332 |
| Cost of funding earning assets | 0.2371% | 5,083 |
| Net interest margin | 3.7535% | 2,503 |
| Noninterest income to average assets | 0.3563% | 4,412 |
| Noninterest expense to average assets | 3.6188% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2584% | 5,553 |
| Return on assets (ROA) | 0.2906% | 5,557 |
| Pretax return on assets | 0.3375% | 5,595 |
| Return on Equity (ROE) | 2.6186% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.6186% | 4,392 |
| Net charge-offs to loans | -0.0146% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3445% | 621 |
| Assets per employee ($millions) | 2.6335% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,918 |
| Loan loss allowance to noncurrent loans | 329.6296% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 2.7862% | 633 |
| Noncurrent loans to loans | 0.1919% | 5,008 |
| Net loans and leases to total assets | 66.3566% | 2,891 |
| Net loans and leases to deposits | 74.9558% | 3,390 |
| Net loans and leases to core deposits | 74.9558% | 3,856 |
| Total domestic deposits to total assets | 88.5276% | 1,397 |
| Equity capital to assets | 11.3110% | 2,565 |
| Core capital (leverage) ratio | 10.8918% | 2,524 |
| Tier 1 risk-based capital ratio | 15.1638% | 3,268 |
| Total risk-based capital ratio | 15.7379% | 3,571 |
| Memoranda: | ||
| Average total assets | $21,333,330 | 6,239 |
| Average earning assets | $20,247,670 | 6,214 |
| Average equity | $2,367,670 | 6,218 |
| Average total loans | $13,740,670 | 6,072 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 3,519 |
| Cost of funding earning assets | 0.2548% | 4,970 |
| Net interest margin | 3.6649% | 2,755 |
| Noninterest income to average assets | 0.3354% | 4,505 |
| Noninterest expense to average assets | 3.8014% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0186% | 5,996 |
| Return on assets (ROA) | 0.0186% | 6,035 |
| Pretax return on assets | 0.0186% | 6,032 |
| Return on Equity (ROE) | 0.1695% | 6,031 |
| Retained earnings to average equity (ytd only) | 0.1695% | 5,315 |
| Net charge-offs to loans | -0.0295% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5122% | 377 |
| Assets per employee ($millions) | 2.6916% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 5,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6007% | 801 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.3570% | 3,469 |
| Net loans and leases to deposits | 69.0535% | 3,852 |
| Net loans and leases to core deposits | 69.0535% | 4,236 |
| Total domestic deposits to total assets | 88.8543% | 1,360 |
| Equity capital to assets | 10.9646% | 3,010 |
| Core capital (leverage) ratio | 10.6664% | 2,780 |
| Tier 1 risk-based capital ratio | 11.3652% | 5,623 |
| Total risk-based capital ratio | 11.8059% | 5,930 |
| Memoranda: | ||
| Average total assets | $21,466,000 | 6,302 |
| Average earning assets | $20,410,000 | 6,277 |
| Average equity | $2,360,000 | 6,282 |
| Average total loans | $13,576,500 | 6,134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,297 |
| Cost of funding earning assets | 0.2608% | 5,213 |
| Net interest margin | 3.5944% | 3,432 |
| Noninterest income to average assets | 0.4110% | 4,103 |
| Noninterest expense to average assets | 3.7170% | 1,116 |
| Loan and lease loss provision to assets | 0.0135% | 4,347 |
| Net operating income to assets | 0.0878% | 5,970 |
| Return on assets (ROA) | 0.0994% | 5,985 |
| Pretax return on assets | 0.1174% | 5,972 |
| Return on Equity (ROE) | 0.9347% | 5,978 |
| Retained earnings to average equity (ytd only) | -0.0425% | 5,773 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9376% | 471 |
| Assets per employee ($millions) | 2.6749% | 6,042 |
| Cash dividends to net income (ytd only)* | 104.5455% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 6,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6169% | 861 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.3114% | 3,178 |
| Net loans and leases to deposits | 72.4201% | 3,626 |
| Net loans and leases to core deposits | 72.4201% | 4,084 |
| Total domestic deposits to total assets | 88.8032% | 1,351 |
| Equity capital to assets | 11.0239% | 2,871 |
| Core capital (leverage) ratio | 10.6166% | 2,818 |
| Tier 1 risk-based capital ratio | 19.7869% | 1,646 |
| Total risk-based capital ratio | 20.5456% | 1,742 |
| Memoranda: | ||
| Average total assets | $22,141,800 | 6,382 |
| Average earning assets | $21,088,400 | 6,350 |
| Average equity | $2,353,800 | 6,369 |
| Average total loans | $12,884,400 | 6,232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7575% | 4,691 |
| Cost of funding earning assets | 0.2693% | 5,210 |
| Net interest margin | 3.4882% | 3,879 |
| Noninterest income to average assets | 0.4240% | 4,067 |
| Noninterest expense to average assets | 3.6307% | 1,238 |
| Loan and lease loss provision to assets | 0.0179% | 4,049 |
| Net operating income to assets | 0.0914% | 6,037 |
| Return on assets (ROA) | 0.1075% | 6,045 |
| Pretax return on assets | 0.1194% | 6,039 |
| Return on Equity (ROE) | 1.0202% | 6,025 |
| Retained earnings to average equity (ytd only) | -0.2835% | 5,846 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8153% | 474 |
| Assets per employee ($millions) | 2.7535% | 6,024 |
| Cash dividends to net income (ytd only)* | 127.7917% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6697% | 6,141 |
| Loan loss allowance to noncurrent loans | 329.6296% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 2.6648% | 954 |
| Noncurrent loans to loans | 0.2032% | 5,291 |
| Net loans and leases to total assets | 59.9237% | 3,801 |
| Net loans and leases to deposits | 67.2303% | 4,218 |
| Net loans and leases to core deposits | 67.2303% | 4,585 |
| Total domestic deposits to total assets | 89.1320% | 1,160 |
| Equity capital to assets | 10.6955% | 3,311 |
| Core capital (leverage) ratio | 10.3281% | 3,249 |
| Tier 1 risk-based capital ratio | 20.0971% | 1,649 |
| Total risk-based capital ratio | 20.8691% | 1,726 |
| Memoranda: | ||
| Average total assets | $22,327,500 | 6,456 |
| Average earning assets | $21,290,500 | 6,421 |
| Average equity | $2,352,500 | 6,441 |
| Average total loans | $12,642,750 | 6,310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,937 |
| Cost of funding earning assets | 0.2710% | 5,277 |
| Net interest margin | 3.4019% | 4,161 |
| Noninterest income to average assets | 0.4548% | 3,833 |
| Noninterest expense to average assets | 3.5760% | 1,339 |
| Loan and lease loss provision to assets | 0.0089% | 4,057 |
| Net operating income to assets | 0.1070% | 6,032 |
| Return on assets (ROA) | 0.1070% | 6,068 |
| Pretax return on assets | 0.1159% | 6,070 |
| Return on Equity (ROE) | 1.0207% | 6,050 |
| Retained earnings to average equity (ytd only) | -0.9356% | 5,845 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6265% | 532 |
| Assets per employee ($millions) | 2.7863% | 6,044 |
| Cash dividends to net income (ytd only)* | 191.6667% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 6,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5123% | 1,130 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 55.1907% | 4,384 |
| Net loans and leases to deposits | 61.8377% | 4,710 |
| Net loans and leases to core deposits | 61.8377% | 4,980 |
| Total domestic deposits to total assets | 89.2508% | 1,221 |
| Equity capital to assets | 10.5563% | 3,372 |
| Core capital (leverage) ratio | 10.2268% | 3,296 |
| Tier 1 risk-based capital ratio | 20.6142% | 1,536 |
| Total risk-based capital ratio | 21.3909% | 1,621 |
| Memoranda: | ||
| Average total assets | $22,427,330 | 6,520 |
| Average earning assets | $21,399,670 | 6,486 |
| Average equity | $2,351,330 | 6,499 |
| Average total loans | $12,427,330 | 6,373 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 5,192 |
| Cost of funding earning assets | 0.2605% | 5,481 |
| Net interest margin | 3.3312% | 4,416 |
| Noninterest income to average assets | 0.5334% | 3,166 |
| Noninterest expense to average assets | 3.6273% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0889% | 6,056 |
| Return on assets (ROA) | 0.0889% | 6,082 |
| Pretax return on assets | 0.0889% | 6,098 |
| Return on Equity (ROE) | 0.8509% | 6,068 |
| Retained earnings to average equity (ytd only) | -3.0632% | 5,967 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6077% | 561 |
| Assets per employee ($millions) | 2.8006% | 6,097 |
| Cash dividends to net income (ytd only)* | 460.0000% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5039% | 1,271 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.7869% | 4,309 |
| Net loans and leases to deposits | 61.3106% | 4,624 |
| Net loans and leases to core deposits | 61.3106% | 4,939 |
| Total domestic deposits to total assets | 89.3595% | 1,442 |
| Equity capital to assets | 10.4575% | 3,286 |
| Core capital (leverage) ratio | 10.1009% | 3,426 |
| Tier 1 risk-based capital ratio | 20.6977% | 1,537 |
| Total risk-based capital ratio | 21.4710% | 1,632 |
| Memoranda: | ||
| Average total assets | $22,496,000 | 6,590 |
| Average earning assets | $21,494,000 | 6,553 |
| Average equity | $2,350,500 | 6,562 |
| Average total loans | $12,446,500 | 6,438 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 5,167 |
| Cost of funding earning assets | 0.3565% | 5,077 |
| Net interest margin | 3.3335% | 4,538 |
| Noninterest income to average assets | 0.7242% | 2,413 |
| Noninterest expense to average assets | 3.5401% | 1,568 |
| Loan and lease loss provision to assets | 0.0767% | 3,574 |
| Net operating income to assets | 0.2726% | 5,610 |
| Return on assets (ROA) | 0.2726% | 5,696 |
| Pretax return on assets | 0.2939% | 5,750 |
| Return on Equity (ROE) | 2.7036% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.7036% | 4,316 |
| Net charge-offs to loans | 0.2545% | 2,449 |
| Credit loss provision to net charge-offs | 58.0645% | 3,621 |
| Earnings coverage of net charge-offs (x) | 2.8065% | 4,068 |
| Efficiency ratio | 90.5229% | 982 |
| Assets per employee ($millions) | 2.8234% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 6,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7095% | 1,233 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.1069% | 4,448 |
| Net loans and leases to deposits | 61.6554% | 4,760 |
| Net loans and leases to core deposits | 61.6554% | 5,092 |
| Total domestic deposits to total assets | 89.3788% | 1,396 |
| Equity capital to assets | 10.4396% | 3,237 |
| Core capital (leverage) ratio | 9.8779% | 3,731 |
| Tier 1 risk-based capital ratio | 20.7306% | 1,482 |
| Total risk-based capital ratio | 21.4898% | 1,569 |
| Memoranda: | ||
| Average total assets | $23,473,800 | 6,653 |
| Average earning assets | $22,439,200 | 6,612 |
| Average equity | $2,367,200 | 6,646 |
| Average total loans | $12,183,000 | 6,511 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 5,373 |
| Cost of funding earning assets | 0.3708% | 5,090 |
| Net interest margin | 3.2543% | 4,811 |
| Noninterest income to average assets | 0.8215% | 2,051 |
| Noninterest expense to average assets | 3.2804% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4895% | 4,841 |
| Return on assets (ROA) | 0.4895% | 4,999 |
| Pretax return on assets | 0.6527% | 4,846 |
| Return on Equity (ROE) | 4.8955% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.8955% | 3,154 |
| Net charge-offs to loans | -0.0110% | 5,910 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4049% | 1,668 |
| Assets per employee ($millions) | 2.9766% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 6,301 |
| Loan loss allowance to noncurrent loans | 64.2857% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.9438% | 1,259 |
| Noncurrent loans to loans | 1.2318% | 3,350 |
| Net loans and leases to total assets | 52.0850% | 4,864 |
| Net loans and leases to deposits | 58.1155% | 5,178 |
| Net loans and leases to core deposits | 58.1155% | 5,442 |
| Total domestic deposits to total assets | 89.6233% | 1,207 |
| Equity capital to assets | 10.0575% | 3,819 |
| Core capital (leverage) ratio | 9.6336% | 4,197 |
| Tier 1 risk-based capital ratio | 20.7504% | 1,543 |
| Total risk-based capital ratio | 21.6264% | 1,606 |
| Memoranda: | ||
| Average total assets | $23,695,500 | 6,722 |
| Average earning assets | $22,656,250 | 6,683 |
| Average equity | $2,369,500 | 6,721 |
| Average total loans | $12,095,750 | 6,583 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 5,432 |
| Cost of funding earning assets | 0.3805% | 5,131 |
| Net interest margin | 3.2206% | 4,869 |
| Noninterest income to average assets | 0.9807% | 1,580 |
| Noninterest expense to average assets | 3.2719% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5580% | 4,513 |
| Return on assets (ROA) | 0.5580% | 4,685 |
| Pretax return on assets | 0.7863% | 4,358 |
| Return on Equity (ROE) | 5.5909% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,679 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6250% | 2,073 |
| Assets per employee ($millions) | 2.9360% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 6,366 |
| Loan loss allowance to noncurrent loans | 77.1654% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.8696% | 1,433 |
| Noncurrent loans to loans | 1.0281% | 3,880 |
| Net loans and leases to total assets | 52.1756% | 4,836 |
| Net loans and leases to deposits | 58.2739% | 5,139 |
| Net loans and leases to core deposits | 58.2739% | 5,397 |
| Total domestic deposits to total assets | 89.5351% | 1,307 |
| Equity capital to assets | 10.1286% | 3,751 |
| Core capital (leverage) ratio | 9.6220% | 4,043 |
| Tier 1 risk-based capital ratio | 20.8169% | 1,539 |
| Total risk-based capital ratio | 21.6947% | 1,592 |
| Memoranda: | ||
| Average total assets | $23,656,330 | 6,774 |
| Average earning assets | $22,604,670 | 6,731 |
| Average equity | $2,361,000 | 6,772 |
| Average total loans | $11,960,330 | 6,631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4954% | 5,714 |
| Cost of funding earning assets | 0.4237% | 4,878 |
| Net interest margin | 3.0717% | 5,362 |
| Noninterest income to average assets | 0.8930% | 1,781 |
| Noninterest expense to average assets | 3.4203% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3370% | 5,409 |
| Return on assets (ROA) | 0.3370% | 5,549 |
| Pretax return on assets | 0.4044% | 5,545 |
| Return on Equity (ROE) | 3.4014% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.4014% | 4,216 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4273% | 1,193 |
| Assets per employee ($millions) | 2.9744% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 6,411 |
| Loan loss allowance to noncurrent loans | 108.7912% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 2.6812% | 1,695 |
| Noncurrent loans to loans | 0.7618% | 4,605 |
| Net loans and leases to total assets | 49.7878% | 5,023 |
| Net loans and leases to deposits | 55.4661% | 5,300 |
| Net loans and leases to core deposits | 55.4661% | 5,561 |
| Total domestic deposits to total assets | 89.7626% | 1,182 |
| Equity capital to assets | 9.9054% | 4,266 |
| Core capital (leverage) ratio | 9.5860% | 3,948 |
| Tier 1 risk-based capital ratio | 20.8063% | 1,583 |
| Total risk-based capital ratio | 21.7113% | 1,631 |
| Memoranda: | ||
| Average total assets | $23,740,500 | 6,841 |
| Average earning assets | $22,658,500 | 6,798 |
| Average equity | $2,352,000 | 6,840 |
| Average total loans | $11,764,000 | 6,709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 5,465 |
| Cost of funding earning assets | 0.5547% | 4,773 |
| Net interest margin | 3.3874% | 4,927 |
| Noninterest income to average assets | 0.2864% | 5,425 |
| Noninterest expense to average assets | 3.5884% | 1,631 |
| Loan and lease loss provision to assets | 0.0859% | 4,628 |
| Net operating income to assets | -0.0777% | 6,266 |
| Return on assets (ROA) | -0.0777% | 6,371 |
| Pretax return on assets | -0.1146% | 6,370 |
| Return on Equity (ROE) | -0.8058% | 6,374 |
| Retained earnings to average equity (ytd only) | -0.8058% | 5,989 |
| Net charge-offs to loans | 0.3320% | 2,976 |
| Credit loss provision to net charge-offs | 50.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 5,560 |
| Efficiency ratio | 100.8046% | 531 |
| Assets per employee ($millions) | 2.6318% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 6,402 |
| Loan loss allowance to noncurrent loans | 544.4444% | 761 |
| Noncurrent assets plus other real estate owned to assets | 2.9764% | 1,595 |
| Noncurrent loans to loans | 0.1554% | 6,089 |
| Net loans and leases to total assets | 48.4843% | 5,362 |
| Net loans and leases to deposits | 54.0373% | 5,646 |
| Net loans and leases to core deposits | 54.0373% | 5,870 |
| Total domestic deposits to total assets | 89.7239% | 1,110 |
| Equity capital to assets | 9.9088% | 4,302 |
| Core capital (leverage) ratio | 9.2134% | 4,558 |
| Tier 1 risk-based capital ratio | 20.1374% | 1,639 |
| Total risk-based capital ratio | 21.0118% | 1,707 |
| Memoranda: | ||
| Average total assets | $24,440,200 | 6,882 |
| Average earning assets | $23,617,000 | 6,824 |
| Average equity | $2,358,000 | 6,909 |
| Average total loans | $12,652,000 | 6,750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 5,565 |
| Cost of funding earning assets | 0.5751% | 4,872 |
| Net interest margin | 3.4062% | 5,016 |
| Noninterest income to average assets | 0.2761% | 5,568 |
| Noninterest expense to average assets | 3.6433% | 1,468 |
| Loan and lease loss provision to assets | 0.1137% | 4,144 |
| Net operating income to assets | -0.1787% | 6,482 |
| Return on assets (ROA) | -0.1787% | 6,554 |
| Pretax return on assets | -0.1787% | 6,531 |
| Return on Equity (ROE) | -1.8638% | 6,558 |
| Retained earnings to average equity (ytd only) | -1.8638% | 6,381 |
| Net charge-offs to loans | 0.4232% | 2,400 |
| Credit loss provision to net charge-offs | 51.2195% | 4,378 |
| Earnings coverage of net charge-offs (x) | -0.2927% | 5,442 |
| Efficiency ratio | 101.8154% | 487 |
| Assets per employee ($millions) | 2.6991% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 6,590 |
| Loan loss allowance to noncurrent loans | 22.8111% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 3.3015% | 1,545 |
| Noncurrent loans to loans | 3.5302% | 1,536 |
| Net loans and leases to total assets | 50.2017% | 5,292 |
| Net loans and leases to deposits | 55.7766% | 5,653 |
| Net loans and leases to core deposits | 55.7766% | 5,907 |
| Total domestic deposits to total assets | 90.0049% | 846 |
| Equity capital to assets | 9.5999% | 5,058 |
| Core capital (leverage) ratio | 9.0367% | 5,006 |
| Tier 1 risk-based capital ratio | 19.6754% | 1,835 |
| Total risk-based capital ratio | 20.5439% | 1,895 |
| Memoranda: | ||
| Average total assets | $24,628,750 | 6,967 |
| Average earning assets | $23,877,500 | 6,906 |
| Average equity | $2,360,750 | 6,998 |
| Average total loans | $12,919,500 | 6,831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 5,716 |
| Cost of funding earning assets | 0.5991% | 4,914 |
| Net interest margin | 3.3780% | 5,175 |
| Noninterest income to average assets | 0.2748% | 5,613 |
| Noninterest expense to average assets | 3.4437% | 1,926 |
| Loan and lease loss provision to assets | 0.0081% | 5,554 |
| Net operating income to assets | 0.0970% | 6,170 |
| Return on assets (ROA) | 0.0970% | 6,320 |
| Pretax return on assets | 0.1051% | 6,318 |
| Return on Equity (ROE) | 1.0125% | 6,298 |
| Retained earnings to average equity (ytd only) | 1.0125% | 5,673 |
| Net charge-offs to loans | 0.0152% | 5,211 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,742 |
| Efficiency ratio | 96.8182% | 670 |
| Assets per employee ($millions) | 2.7119% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,486 |
| Loan loss allowance to noncurrent loans | 18.3926% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 3.2245% | 1,688 |
| Noncurrent loans to loans | 4.8414% | 1,053 |
| Net loans and leases to total assets | 54.2672% | 4,754 |
| Net loans and leases to deposits | 60.4215% | 5,204 |
| Net loans and leases to core deposits | 60.4215% | 5,551 |
| Total domestic deposits to total assets | 89.8144% | 1,036 |
| Equity capital to assets | 9.7718% | 4,665 |
| Core capital (leverage) ratio | 9.0496% | 4,842 |
| Tier 1 risk-based capital ratio | 19.1914% | 1,915 |
| Total risk-based capital ratio | 20.1896% | 1,965 |
| Memoranda: | ||
| Average total assets | $24,741,000 | 7,022 |
| Average earning assets | $24,037,670 | 6,959 |
| Average equity | $2,370,330 | 7,047 |
| Average total loans | $13,128,000 | 6,877 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 5,465 |
| Cost of funding earning assets | 0.6443% | 4,780 |
| Net interest margin | 3.4530% | 4,904 |
| Noninterest income to average assets | 0.2409% | 5,905 |
| Noninterest expense to average assets | 3.5651% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0321% | 6,459 |
| Return on assets (ROA) | -0.0321% | 6,556 |
| Pretax return on assets | 0.0321% | 6,480 |
| Return on Equity (ROE) | -0.3386% | 6,568 |
| Retained earnings to average equity (ytd only) | -0.3386% | 6,054 |
| Net charge-offs to loans | 0.0307% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,344 |
| Efficiency ratio | 99.1071% | 585 |
| Assets per employee ($millions) | 2.7778% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 6,516 |
| Loan loss allowance to noncurrent loans | 18.1818% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 3.1560% | 1,834 |
| Noncurrent loans to loans | 4.9912% | 1,124 |
| Net loans and leases to total assets | 51.5400% | 5,080 |
| Net loans and leases to deposits | 57.1650% | 5,469 |
| Net loans and leases to core deposits | 57.1650% | 5,798 |
| Total domestic deposits to total assets | 90.1600% | 1,001 |
| Equity capital to assets | 9.4440% | 4,880 |
| Core capital (leverage) ratio | 9.0020% | 4,840 |
| Tier 1 risk-based capital ratio | 19.4959% | 1,843 |
| Total risk-based capital ratio | 20.5075% | 1,886 |
| Memoranda: | ||
| Average total assets | $24,908,000 | 7,075 |
| Average earning assets | $24,210,500 | 7,010 |
| Average equity | $2,363,000 | 7,099 |
| Average total loans | $13,010,000 | 6,938 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 5,484 |
| Cost of funding earning assets | 0.7687% | 5,071 |
| Net interest margin | 3.6148% | 4,674 |
| Noninterest income to average assets | 0.2939% | 5,430 |
| Noninterest expense to average assets | 3.6109% | 1,720 |
| Loan and lease loss provision to assets | 0.0443% | 6,022 |
| Net operating income to assets | 0.1489% | 5,737 |
| Return on assets (ROA) | 0.1489% | 5,875 |
| Pretax return on assets | 0.1409% | 5,900 |
| Return on Equity (ROE) | 1.5785% | 5,820 |
| Retained earnings to average equity (ytd only) | 0.1280% | 5,774 |
| Net charge-offs to loans | 0.0076% | 6,322 |
| Credit loss provision to net charge-offs | 1,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 599 |
| Efficiency ratio | 95.1220% | 862 |
| Assets per employee ($millions) | 2.7573% | 6,521 |
| Cash dividends to net income (ytd only)* | 91.8919% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 6,502 |
| Loan loss allowance to noncurrent loans | 15.9946% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 3.5622% | 1,659 |
| Noncurrent loans to loans | 5.7156% | 908 |
| Net loans and leases to total assets | 51.9745% | 5,314 |
| Net loans and leases to deposits | 57.7092% | 5,724 |
| Net loans and leases to core deposits | 57.7092% | 6,019 |
| Total domestic deposits to total assets | 90.0629% | 964 |
| Equity capital to assets | 9.5301% | 4,834 |
| Core capital (leverage) ratio | 10.4754% | 2,757 |
| Tier 1 risk-based capital ratio | 19.1792% | 1,848 |
| Total risk-based capital ratio | 20.1820% | 1,878 |
| Memoranda: | ||
| Average total assets | $24,841,200 | 7,107 |
| Average earning assets | $24,068,000 | 7,039 |
| Average equity | $2,344,000 | 7,155 |
| Average total loans | $13,171,800 | 6,980 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 5,106 |
| Cost of funding earning assets | 0.7868% | 5,238 |
| Net interest margin | 3.7568% | 4,082 |
| Noninterest income to average assets | 0.2951% | 5,499 |
| Noninterest expense to average assets | 3.4986% | 1,940 |
| Loan and lease loss provision to assets | 0.0536% | 5,775 |
| Net operating income to assets | 0.3220% | 5,316 |
| Return on assets (ROA) | 0.3220% | 5,487 |
| Pretax return on assets | 0.3810% | 5,525 |
| Return on Equity (ROE) | 3.4206% | 5,260 |
| Retained earnings to average equity (ytd only) | 1.4824% | 5,397 |
| Net charge-offs to loans | -0.0101% | 6,782 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9495% | 1,251 |
| Assets per employee ($millions) | 2.7989% | 6,487 |
| Cash dividends to net income (ytd only)* | 56.6625% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 6,609 |
| Loan loss allowance to noncurrent loans | 14.1844% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 3.9143% | 1,578 |
| Noncurrent loans to loans | 6.3167% | 852 |
| Net loans and leases to total assets | 52.6915% | 5,359 |
| Net loans and leases to deposits | 58.5023% | 5,796 |
| Net loans and leases to core deposits | 58.5023% | 6,090 |
| Total domestic deposits to total assets | 90.0675% | 829 |
| Equity capital to assets | 9.5077% | 5,070 |
| Core capital (leverage) ratio | 10.4507% | 2,928 |
| Tier 1 risk-based capital ratio | 18.8478% | 1,978 |
| Total risk-based capital ratio | 19.8312% | 2,024 |
| Memoranda: | ||
| Average total assets | $24,847,500 | 7,176 |
| Average earning assets | $24,062,500 | 7,112 |
| Average equity | $2,338,750 | 7,224 |
| Average total loans | $13,210,500 | 7,052 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 4,854 |
| Cost of funding earning assets | 0.8020% | 5,350 |
| Net interest margin | 3.8262% | 3,662 |
| Noninterest income to average assets | 0.2992% | 5,495 |
| Noninterest expense to average assets | 3.5175% | 1,940 |
| Loan and lease loss provision to assets | 0.0809% | 5,300 |
| Net operating income to assets | 0.3315% | 5,239 |
| Return on assets (ROA) | 0.3315% | 5,380 |
| Pretax return on assets | 0.4043% | 5,382 |
| Return on Equity (ROE) | 3.5345% | 5,148 |
| Retained earnings to average equity (ytd only) | 0.6034% | 5,617 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 1,427 |
| Assets per employee ($millions) | 2.6769% | 6,669 |
| Cash dividends to net income (ytd only)* | 82.9268% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,675 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,462 |
| Noncurrent loans to loans | 1.1498% | 4,739 |
| Net loans and leases to total assets | 54.7402% | 5,189 |
| Net loans and leases to deposits | 60.9596% | 5,620 |
| Net loans and leases to core deposits | 60.9596% | 6,005 |
| Total domestic deposits to total assets | 89.7974% | 1,075 |
| Equity capital to assets | 9.8041% | 4,384 |
| Core capital (leverage) ratio | 10.1077% | 3,136 |
| Tier 1 risk-based capital ratio | 19.1532% | 1,801 |
| Total risk-based capital ratio | 20.1529% | 1,836 |
| Memoranda: | ||
| Average total assets | $24,733,330 | 7,246 |
| Average earning assets | $23,940,330 | 7,180 |
| Average equity | $2,320,000 | 7,288 |
| Average total loans | $13,149,670 | 7,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 5,312 |
| Cost of funding earning assets | 0.8389% | 5,340 |
| Net interest margin | 3.6680% | 4,254 |
| Noninterest income to average assets | 0.3033% | 5,498 |
| Noninterest expense to average assets | 3.5603% | 1,850 |
| Loan and lease loss provision to assets | 0.0958% | 4,813 |
| Net operating income to assets | 0.1756% | 5,870 |
| Return on assets (ROA) | 0.1756% | 5,916 |
| Pretax return on assets | 0.2076% | 5,921 |
| Return on Equity (ROE) | 1.9139% | 5,819 |
| Retained earnings to average equity (ytd only) | -4.0017% | 6,411 |
| Net charge-offs to loans | -0.0306% | 6,716 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1488% | 1,151 |
| Assets per employee ($millions) | 2.8242% | 6,490 |
| Cash dividends to net income (ytd only)* | 309.0909% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,704 |
| Loan loss allowance to noncurrent loans | 86.6667% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 4,762 |
| Noncurrent loans to loans | 1.0351% | 4,990 |
| Net loans and leases to total assets | 50.8498% | 5,732 |
| Net loans and leases to deposits | 56.0300% | 6,120 |
| Net loans and leases to core deposits | 56.0300% | 6,408 |
| Total domestic deposits to total assets | 90.7546% | 737 |
| Equity capital to assets | 9.0054% | 5,199 |
| Core capital (leverage) ratio | 9.3210% | 4,093 |
| Tier 1 risk-based capital ratio | 18.7782% | 1,875 |
| Total risk-based capital ratio | 19.7546% | 1,909 |
| Memoranda: | ||
| Average total assets | $25,054,000 | 7,289 |
| Average earning assets | $24,318,500 | 7,217 |
| Average equity | $2,299,000 | 7,337 |
| Average total loans | $13,071,000 | 7,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 5,088 |
| Cost of funding earning assets | 0.9185% | 6,090 |
| Net interest margin | 3.9704% | 3,148 |
| Noninterest income to average assets | 0.3598% | 5,232 |
| Noninterest expense to average assets | 3.6390% | 1,824 |
| Loan and lease loss provision to assets | 0.0204% | 6,910 |
| Net operating income to assets | 0.4079% | 4,506 |
| Return on assets (ROA) | 0.4048% | 4,656 |
| Pretax return on assets | 0.5315% | 4,525 |
| Return on Equity (ROE) | 4.2887% | 4,390 |
| Retained earnings to average equity (ytd only) | 2.8158% | 3,879 |
| Net charge-offs to loans | 0.0224% | 6,587 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 508 |
| Efficiency ratio | 86.7446% | 1,594 |
| Assets per employee ($millions) | 2.7433% | 6,620 |
| Cash dividends to net income (ytd only)* | 34.3434% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 6,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 5,896 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.6164% | 5,837 |
| Net loans and leases to deposits | 58.2243% | 6,235 |
| Net loans and leases to core deposits | 58.2243% | 6,543 |
| Total domestic deposits to total assets | 90.3686% | 901 |
| Equity capital to assets | 9.3520% | 4,614 |
| Core capital (leverage) ratio | 8.9099% | 4,678 |
| Tier 1 risk-based capital ratio | 18.9939% | 1,722 |
| Total risk-based capital ratio | 19.9047% | 1,772 |
| Memoranda: | ||
| Average total assets | $24,457,000 | 7,363 |
| Average earning assets | $23,624,800 | 7,300 |
| Average equity | $2,308,400 | 7,453 |
| Average total loans | $13,388,800 | 7,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 5,108 |
| Cost of funding earning assets | 0.9405% | 6,225 |
| Net interest margin | 3.9942% | 3,131 |
| Noninterest income to average assets | 0.3716% | 5,182 |
| Noninterest expense to average assets | 3.5629% | 1,873 |
| Loan and lease loss provision to assets | 0.0273% | 6,795 |
| Net operating income to assets | 0.4481% | 4,547 |
| Return on assets (ROA) | 0.4481% | 4,740 |
| Pretax return on assets | 0.6339% | 4,475 |
| Return on Equity (ROE) | 4.7365% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.7727% | 4,489 |
| Net charge-offs to loans | 0.0198% | 6,398 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 60.4232% | 482 |
| Efficiency ratio | 84.3467% | 1,796 |
| Assets per employee ($millions) | 2.7719% | 6,649 |
| Cash dividends to net income (ytd only)* | 41.4616% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 6,949 |
| Loan loss allowance to noncurrent loans | 72.0779% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 5,894 |
| Noncurrent loans to loans | 1.1443% | 4,946 |
| Net loans and leases to total assets | 53.5014% | 5,920 |
| Net loans and leases to deposits | 59.2726% | 6,365 |
| Net loans and leases to core deposits | 59.2726% | 6,655 |
| Total domestic deposits to total assets | 90.2634% | 743 |
| Equity capital to assets | 9.3157% | 5,110 |
| Core capital (leverage) ratio | 9.1808% | 4,401 |
| Tier 1 risk-based capital ratio | 18.4290% | 1,888 |
| Total risk-based capital ratio | 19.3353% | 1,962 |
| Memoranda: | ||
| Average total assets | $24,398,750 | 7,463 |
| Average earning assets | $23,533,500 | 7,393 |
| Average equity | $2,308,250 | 7,547 |
| Average total loans | $13,461,000 | 7,327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 4,731 |
| Cost of funding earning assets | 0.9708% | 6,286 |
| Net interest margin | 4.0722% | 2,693 |
| Noninterest income to average assets | 0.4047% | 4,877 |
| Noninterest expense to average assets | 3.6422% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4955% | 4,349 |
| Return on assets (ROA) | 0.4955% | 4,504 |
| Pretax return on assets | 0.6772% | 4,320 |
| Return on Equity (ROE) | 5.2106% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.2579% | 4,716 |
| Net charge-offs to loans | -0.0149% | 7,246 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3212% | 1,885 |
| Assets per employee ($millions) | 2.9874% | 6,164 |
| Cash dividends to net income (ytd only)* | 56.6667% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 7,027 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 5,887 |
| Noncurrent loans to loans | 1.1377% | 5,058 |
| Net loans and leases to total assets | 55.8182% | 5,732 |
| Net loans and leases to deposits | 62.0205% | 6,233 |
| Net loans and leases to core deposits | 62.0205% | 6,545 |
| Total domestic deposits to total assets | 89.9996% | 920 |
| Equity capital to assets | 9.8038% | 4,257 |
| Core capital (leverage) ratio | 9.1236% | 4,422 |
| Tier 1 risk-based capital ratio | 18.5050% | 1,832 |
| Total risk-based capital ratio | 19.4000% | 1,893 |
| Memoranda: | ||
| Average total assets | $24,216,000 | 7,527 |
| Average earning assets | $23,280,000 | 7,464 |
| Average equity | $2,303,000 | 7,602 |
| Average total loans | $13,462,000 | 7,377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 4,844 |
| Cost of funding earning assets | 1.0076% | 6,341 |
| Net interest margin | 4.0306% | 2,743 |
| Noninterest income to average assets | 0.4759% | 4,239 |
| Noninterest expense to average assets | 3.8237% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4431% | 4,647 |
| Return on assets (ROA) | 0.4431% | 4,780 |
| Pretax return on assets | 0.5251% | 4,874 |
| Return on Equity (ROE) | 4.7306% | 4,519 |
| Retained earnings to average equity (ytd only) | -1.2265% | 6,085 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9245% | 1,593 |
| Assets per employee ($millions) | 2.4539% | 7,268 |
| Cash dividends to net income (ytd only)* | 125.9259% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 7,150 |
| Loan loss allowance to noncurrent loans | 69.9346% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 5,958 |
| Noncurrent loans to loans | 1.1318% | 5,099 |
| Net loans and leases to total assets | 54.6518% | 5,933 |
| Net loans and leases to deposits | 60.4181% | 6,427 |
| Net loans and leases to core deposits | 60.4181% | 6,713 |
| Total domestic deposits to total assets | 90.4560% | 757 |
| Equity capital to assets | 9.3891% | 4,691 |
| Core capital (leverage) ratio | 9.1177% | 4,344 |
| Tier 1 risk-based capital ratio | 18.0165% | 1,941 |
| Total risk-based capital ratio | 18.8928% | 2,014 |
| Memoranda: | ||
| Average total assets | $24,374,500 | 7,611 |
| Average earning assets | $23,421,000 | 7,553 |
| Average equity | $2,283,000 | 7,694 |
| Average total loans | $13,469,000 | 7,471 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 3,780 |
| Cost of funding earning assets | 1.2749% | 6,396 |
| Net interest margin | 4.2911% | 1,742 |
| Noninterest income to average assets | 0.3434% | 5,636 |
| Noninterest expense to average assets | 3.8524% | 1,596 |
| Loan and lease loss provision to assets | 0.1549% | 6,122 |
| Net operating income to assets | 0.2676% | 4,657 |
| Return on assets (ROA) | 0.2764% | 4,712 |
| Pretax return on assets | 0.3936% | 4,515 |
| Return on Equity (ROE) | 2.9591% | 4,517 |
| Retained earnings to average equity (ytd only) | 1.4347% | 4,062 |
| Net charge-offs to loans | 0.0730% | 6,378 |
| Credit loss provision to net charge-offs | 370.0000% | 866 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 1,473 |
| Efficiency ratio | 87.7863% | 1,899 |
| Assets per employee ($millions) | 2.4210% | 7,326 |
| Cash dividends to net income (ytd only)* | 51.5152% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 7,138 |
| Loan loss allowance to noncurrent loans | 42.4603% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 5,019 |
| Noncurrent loans to loans | 1.8778% | 3,833 |
| Net loans and leases to total assets | 54.9897% | 6,083 |
| Net loans and leases to deposits | 60.8900% | 6,573 |
| Net loans and leases to core deposits | 65.8017% | 6,993 |
| Total domestic deposits to total assets | 90.3098% | 830 |
| Equity capital to assets | 9.3432% | 4,643 |
| Core capital (leverage) ratio | 8.5778% | 5,139 |
| Tier 1 risk-based capital ratio | 18.3404% | 1,795 |
| Total risk-based capital ratio | 19.2292% | 1,863 |
| Memoranda: | ||
| Average total assets | $23,881,000 | 7,673 |
| Average earning assets | $22,511,800 | 7,632 |
| Average equity | $2,230,400 | 7,795 |
| Average total loans | $13,700,200 | 7,516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 3,563 |
| Cost of funding earning assets | 1.3204% | 6,491 |
| Net interest margin | 4.3316% | 1,638 |
| Noninterest income to average assets | 0.3698% | 5,555 |
| Noninterest expense to average assets | 3.7648% | 1,676 |
| Loan and lease loss provision to assets | 0.2073% | 5,323 |
| Net operating income to assets | 0.3081% | 4,764 |
| Return on assets (ROA) | 0.3193% | 4,829 |
| Pretax return on assets | 0.4762% | 4,592 |
| Return on Equity (ROE) | 3.4196% | 4,613 |
| Retained earnings to average equity (ytd only) | 1.3800% | 4,548 |
| Net charge-offs to loans | 0.1162% | 5,525 |
| Credit loss provision to net charge-offs | 308.3333% | 1,338 |
| Earnings coverage of net charge-offs (x) | 9.9163% | 2,039 |
| Efficiency ratio | 84.9558% | 2,190 |
| Assets per employee ($millions) | 2.4001% | 7,382 |
| Cash dividends to net income (ytd only)* | 59.6447% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 7,221 |
| Loan loss allowance to noncurrent loans | 128.0488% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 6,626 |
| Noncurrent loans to loans | 0.5961% | 6,116 |
| Net loans and leases to total assets | 56.8768% | 6,045 |
| Net loans and leases to deposits | 63.0852% | 6,581 |
| Net loans and leases to core deposits | 68.8401% | 7,025 |
| Total domestic deposits to total assets | 90.1587% | 709 |
| Equity capital to assets | 9.4371% | 4,826 |
| Core capital (leverage) ratio | 8.6269% | 5,263 |
| Tier 1 risk-based capital ratio | 18.1961% | 1,937 |
| Total risk-based capital ratio | 19.0650% | 1,991 |
| Memoranda: | ||
| Average total assets | $23,798,750 | 7,747 |
| Average earning assets | $22,316,000 | 7,710 |
| Average equity | $2,222,500 | 7,877 |
| Average total loans | $13,770,250 | 7,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7232% | 3,415 |
| Cost of funding earning assets | 1.3765% | 6,558 |
| Net interest margin | 4.3467% | 1,533 |
| Noninterest income to average assets | 0.3540% | 5,668 |
| Noninterest expense to average assets | 3.7166% | 1,802 |
| Loan and lease loss provision to assets | 0.0927% | 6,241 |
| Net operating income to assets | 0.3631% | 4,644 |
| Return on assets (ROA) | 0.3792% | 4,689 |
| Pretax return on assets | 0.6152% | 4,285 |
| Return on Equity (ROE) | 4.0755% | 4,466 |
| Retained earnings to average equity (ytd only) | 0.9962% | 4,777 |
| Net charge-offs to loans | 0.0290% | 6,063 |
| Credit loss provision to net charge-offs | 550.0000% | 843 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 805 |
| Efficiency ratio | 84.4828% | 2,421 |
| Assets per employee ($millions) | 2.4247% | 7,389 |
| Cash dividends to net income (ytd only)* | 75.5556% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 7,565 |
| Loan loss allowance to noncurrent loans | 91.7526% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,459 |
| Noncurrent loans to loans | 0.6960% | 5,856 |
| Net loans and leases to total assets | 57.1081% | 6,076 |
| Net loans and leases to deposits | 64.7692% | 6,495 |
| Net loans and leases to core deposits | 70.7454% | 6,983 |
| Total domestic deposits to total assets | 88.1717% | 1,684 |
| Equity capital to assets | 9.1929% | 5,024 |
| Core capital (leverage) ratio | 8.8711% | 4,831 |
| Tier 1 risk-based capital ratio | 16.8946% | 2,332 |
| Total risk-based capital ratio | 17.5821% | 2,457 |
| Memoranda: | ||
| Average total assets | $23,731,330 | 7,827 |
| Average earning assets | $22,085,670 | 7,791 |
| Average equity | $2,208,330 | 7,960 |
| Average total loans | $13,775,000 | 7,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5317% | 4,744 |
| Cost of funding earning assets | 1.4702% | 6,500 |
| Net interest margin | 4.0615% | 2,421 |
| Noninterest income to average assets | 0.6135% | 3,449 |
| Noninterest expense to average assets | 3.7830% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4601% | 4,613 |
| Return on assets (ROA) | 0.4601% | 4,789 |
| Pretax return on assets | 0.5964% | 4,761 |
| Return on Equity (ROE) | 4.9136% | 4,506 |
| Retained earnings to average equity (ytd only) | -1.2739% | 5,953 |
| Net charge-offs to loans | 0.0584% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,506 |
| Efficiency ratio | 86.3813% | 2,030 |
| Assets per employee ($millions) | 2.3596% | 7,515 |
| Cash dividends to net income (ytd only)* | 125.9259% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5635% | 7,732 |
| Loan loss allowance to noncurrent loans | 72.2222% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 6,119 |
| Noncurrent loans to loans | 0.7803% | 5,487 |
| Net loans and leases to total assets | 58.3277% | 5,890 |
| Net loans and leases to deposits | 66.0571% | 6,370 |
| Net loans and leases to core deposits | 72.2657% | 6,903 |
| Total domestic deposits to total assets | 88.2989% | 1,579 |
| Equity capital to assets | 9.1965% | 5,090 |
| Core capital (leverage) ratio | 8.9803% | 4,741 |
| Tier 1 risk-based capital ratio | 16.9692% | 2,349 |
| Total risk-based capital ratio | 17.5794% | 2,519 |
| Memoranda: | ||
| Average total assets | $23,473,500 | 7,888 |
| Average earning assets | $21,765,500 | 7,850 |
| Average equity | $2,198,000 | 8,012 |
| Average total loans | $13,694,500 | 7,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0930% | 5,082 |
| Cost of funding earning assets | 1.9429% | 6,605 |
| Net interest margin | 4.1501% | 2,501 |
| Noninterest income to average assets | 0.5158% | 4,504 |
| Noninterest expense to average assets | 3.7333% | 1,888 |
| Loan and lease loss provision to assets | 0.0656% | 6,567 |
| Net operating income to assets | 0.5464% | 4,545 |
| Return on assets (ROA) | 0.5464% | 4,397 |
| Pretax return on assets | 0.6295% | 4,602 |
| Return on Equity (ROE) | 5.8735% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.2759% | 2,458 |
| Net charge-offs to loans | 0.0727% | 5,722 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 1,894 |
| Efficiency ratio | 84.3040% | 2,021 |
| Assets per employee ($millions) | 2.1228% | 7,799 |
| Cash dividends to net income (ytd only)* | 27.2000% | 4,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 7,693 |
| Loan loss allowance to noncurrent loans | 25.1572% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3853% | 2,037 |
| Noncurrent loans to loans | 2.3472% | 2,350 |
| Net loans and leases to total assets | 57.6763% | 6,252 |
| Net loans and leases to deposits | 65.7296% | 6,661 |
| Net loans and leases to core deposits | 72.4865% | 7,044 |
| Total domestic deposits to total assets | 87.7478% | 1,578 |
| Equity capital to assets | 9.5328% | 4,635 |
| Core capital (leverage) ratio | 8.9683% | 4,782 |
| Tier 1 risk-based capital ratio | 17.2935% | 2,232 |
| Total risk-based capital ratio | 17.9296% | 2,359 |
| Memoranda: | ||
| Average total assets | $22,875,000 | 7,917 |
| Average earning assets | $21,565,800 | 7,875 |
| Average equity | $2,128,200 | 8,094 |
| Average total loans | $13,754,400 | 7,717 |