Home > The Merchants & Planters Bank > Performance and Condition Ratios
The Merchants & Planters Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 3,708 |
| Cost of funding earning assets | 0.7797% | 3,787 |
| Net interest margin | 3.3781% | 2,452 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7028% | 1,732 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8267% | 2,783 |
| Return on assets (ROA) | 0.8267% | 2,762 |
| Pretax return on assets | 0.8845% | 3,003 |
| Return on Equity (ROE) | 15.6400% | 1,164 |
| Retained earnings to average equity (ytd only) | 4.7411% | 2,695 |
| Net charge-offs to loans | 0.2156% | 504 |
| Credit loss provision to net charge-offs | 20.5882% | 2,307 |
| Earnings coverage of net charge-offs (x) | 12.5882% | 2,141 |
| Efficiency ratio | 74.6746% | 1,385 |
| Assets per employee ($millions) | 5.5228% | 3,230 |
| Cash dividends to net income (ytd only)* | 69.6891% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 3,877 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 2,641 |
| Noncurrent loans to loans | 0.0788% | 3,156 |
| Net loans and leases to total assets | 30.3700% | 4,280 |
| Net loans and leases to deposits | 32.2929% | 4,328 |
| Net loans and leases to core deposits | 33.9610% | 4,364 |
| Total domestic deposits to total assets | 94.0400% | 105 |
| Equity capital to assets | 5.6614% | 4,306 |
| Core capital (leverage) ratio | 11.8835% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $46,693,000 | 4,343 |
| Average earning assets | $43,604,000 | 4,310 |
| Average equity | $2,467,800 | 4,460 |
| Average total loans | $15,771,400 | 4,340 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 3,634 |
| Cost of funding earning assets | 0.7101% | 3,744 |
| Net interest margin | 3.4041% | 2,445 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.7426% | 1,565 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6878% | 3,352 |
| Return on assets (ROA) | 0.6878% | 3,334 |
| Pretax return on assets | 0.7662% | 3,410 |
| Return on Equity (ROE) | 13.2700% | 1,850 |
| Retained earnings to average equity (ytd only) | 13.2700% | 781 |
| Net charge-offs to loans | 0.2766% | 310 |
| Credit loss provision to net charge-offs | 21.2121% | 2,008 |
| Earnings coverage of net charge-offs (x) | 8.4545% | 2,192 |
| Efficiency ratio | 77.2059% | 1,074 |
| Assets per employee ($millions) | 5.0637% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 4,074 |
| Loan loss allowance to noncurrent loans | 806.2500% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 2,555 |
| Noncurrent loans to loans | 0.0927% | 3,114 |
| Net loans and leases to total assets | 37.5900% | 4,133 |
| Net loans and leases to deposits | 39.3815% | 4,221 |
| Net loans and leases to core deposits | 41.5742% | 4,224 |
| Total domestic deposits to total assets | 95.4400% | 98 |
| Equity capital to assets | 4.2854% | 4,369 |
| Core capital (leverage) ratio | 12.4794% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,940,000 | 4,361 |
| Average earning assets | $42,810,250 | 4,337 |
| Average equity | $2,381,250 | 4,484 |
| Average total loans | $15,908,500 | 4,360 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,723 |
| Cost of funding earning assets | 0.6118% | 3,717 |
| Net interest margin | 3.3717% | 2,591 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.7007% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6730% | 3,401 |
| Return on assets (ROA) | 0.6730% | 3,403 |
| Pretax return on assets | 0.7902% | 3,418 |
| Return on Equity (ROE) | 12.2800% | 2,071 |
| Retained earnings to average equity (ytd only) | 12.2821% | 935 |
| Net charge-offs to loans | -0.0388% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.3632% | 1,056 |
| Assets per employee ($millions) | 5.2691% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,512 |
| Loan loss allowance to noncurrent loans | 316.0000% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 2,098 |
| Noncurrent loans to loans | 0.3090% | 2,034 |
| Net loans and leases to total assets | 33.7800% | 4,242 |
| Net loans and leases to deposits | 35.8468% | 4,300 |
| Net loans and leases to core deposits | 37.7711% | 4,298 |
| Total domestic deposits to total assets | 94.2500% | 134 |
| Equity capital to assets | 5.4574% | 4,301 |
| Core capital (leverage) ratio | 12.3815% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $46,062,333 | 4,380 |
| Average earning assets | $42,827,667 | 4,363 |
| Average equity | $2,524,000 | 4,507 |
| Average total loans | $15,458,667 | 4,387 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 3,637 |
| Cost of funding earning assets | 0.5204% | 3,629 |
| Net interest margin | 3.3970% | 2,642 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.7500% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7933% | 3,212 |
| Return on assets (ROA) | 0.7933% | 3,167 |
| Pretax return on assets | 0.7933% | 3,480 |
| Return on Equity (ROE) | 14.4500% | 1,676 |
| Retained earnings to average equity (ytd only) | 14.4462% | 878 |
| Net charge-offs to loans | -0.0265% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.6119% | 1,034 |
| Assets per employee ($millions) | 4.9448% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,486 |
| Loan loss allowance to noncurrent loans | 312.0000% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 1,947 |
| Noncurrent loans to loans | 0.3230% | 1,992 |
| Net loans and leases to total assets | 34.4300% | 4,253 |
| Net loans and leases to deposits | 36.6682% | 4,306 |
| Net loans and leases to core deposits | 38.5316% | 4,307 |
| Total domestic deposits to total assets | 93.9100% | 180 |
| Equity capital to assets | 5.9254% | 4,228 |
| Core capital (leverage) ratio | 12.5454% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,382,500 | 4,456 |
| Average earning assets | $42,273,000 | 4,435 |
| Average equity | $2,492,000 | 4,573 |
| Average total loans | $15,098,500 | 4,453 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 3,243 |
| Cost of funding earning assets | 0.2770% | 3,072 |
| Net interest margin | 3.1607% | 2,982 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.7592% | 1,420 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5791% | 3,925 |
| Return on assets (ROA) | 0.5791% | 3,890 |
| Pretax return on assets | 0.5791% | 4,067 |
| Return on Equity (ROE) | 7.4900% | 3,525 |
| Retained earnings to average equity (ytd only) | 2.0821% | 3,956 |
| Net charge-offs to loans | 0.0652% | 993 |
| Credit loss provision to net charge-offs | 166.6667% | 1,226 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,675 |
| Efficiency ratio | 81.8302% | 605 |
| Assets per employee ($millions) | 4.2056% | 4,200 |
| Cash dividends to net income (ytd only)* | 72.2008% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,106 |
| Loan loss allowance to noncurrent loans | 322.9167% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 2,055 |
| Noncurrent loans to loans | 0.3262% | 1,980 |
| Net loans and leases to total assets | 31.4800% | 4,353 |
| Net loans and leases to deposits | 33.2072% | 4,409 |
| Net loans and leases to core deposits | 34.8073% | 4,400 |
| Total domestic deposits to total assets | 94.7900% | 163 |
| Equity capital to assets | 5.0733% | 4,352 |
| Core capital (leverage) ratio | 12.0224% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $44,722,400 | 4,490 |
| Average earning assets | $42,237,000 | 4,461 |
| Average equity | $3,458,000 | 4,575 |
| Average total loans | $13,806,000 | 4,504 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 3,141 |
| Cost of funding earning assets | 0.2664% | 2,525 |
| Net interest margin | 3.0480% | 3,083 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.7726% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5202% | 4,030 |
| Return on assets (ROA) | 0.5202% | 3,976 |
| Pretax return on assets | 0.5202% | 4,117 |
| Return on Equity (ROE) | 6.1700% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.1744% | 2,692 |
| Net charge-offs to loans | 0.0295% | 1,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 1,193 |
| Efficiency ratio | 84.2009% | 535 |
| Assets per employee ($millions) | 4.8758% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 4,016 |
| Loan loss allowance to noncurrent loans | 239.3443% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 1,907 |
| Noncurrent loans to loans | 0.3485% | 1,980 |
| Net loans and leases to total assets | 39.5600% | 4,093 |
| Net loans and leases to deposits | 42.2552% | 4,173 |
| Net loans and leases to core deposits | 44.4473% | 4,166 |
| Total domestic deposits to total assets | 93.6100% | 433 |
| Equity capital to assets | 5.0112% | 4,294 |
| Core capital (leverage) ratio | 12.9008% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $44,337,500 | 4,527 |
| Average earning assets | $42,037,250 | 4,493 |
| Average equity | $3,735,750 | 4,595 |
| Average total loans | $13,578,250 | 4,539 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1283% | 3,239 |
| Cost of funding earning assets | 0.2406% | 2,388 |
| Net interest margin | 2.8876% | 3,204 |
| Noninterest income to average assets | 0.4091% | 2,698 |
| Noninterest expense to average assets | 2.8456% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3147% | 4,261 |
| Return on assets (ROA) | 0.3147% | 4,210 |
| Pretax return on assets | 0.3147% | 4,279 |
| Return on Equity (ROE) | 3.2957% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.2957% | 3,351 |
| Net charge-offs to loans | 0.0163% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 1,004 |
| Efficiency ratio | 90.0427% | 402 |
| Assets per employee ($millions) | 4.7433% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 2,908 |
| Loan loss allowance to noncurrent loans | 250.8475% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 1,984 |
| Noncurrent loans to loans | 0.4604% | 1,733 |
| Net loans and leases to total assets | 29.6697% | 4,472 |
| Net loans and leases to deposits | 32.1758% | 4,496 |
| Net loans and leases to core deposits | 33.0351% | 4,506 |
| Total domestic deposits to total assets | 92.2113% | 756 |
| Equity capital to assets | 7.6107% | 3,399 |
| Core capital (leverage) ratio | 12.3172% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,489,333 | 4,573 |
| Average earning assets | $42,387,667 | 4,549 |
| Average equity | $4,248,000 | 4,595 |
| Average total loans | $12,269,667 | 4,622 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 3,527 |
| Cost of funding earning assets | 0.2396% | 2,269 |
| Net interest margin | 2.6634% | 3,496 |
| Noninterest income to average assets | 0.4759% | 2,270 |
| Noninterest expense to average assets | 3.0139% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0088% | 4,547 |
| Return on assets (ROA) | 0.0088% | 4,524 |
| Pretax return on assets | 0.0088% | 4,514 |
| Return on Equity (ROE) | 0.0843% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.0843% | 4,001 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7085% | 249 |
| Assets per employee ($millions) | 4.9417% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,594 |
| Loan loss allowance to noncurrent loans | 248.3333% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 2,117 |
| Noncurrent loans to loans | 0.5041% | 1,767 |
| Net loans and leases to total assets | 26.4283% | 4,548 |
| Net loans and leases to deposits | 29.1547% | 4,572 |
| Net loans and leases to core deposits | 29.9145% | 4,581 |
| Total domestic deposits to total assets | 90.6487% | 1,216 |
| Equity capital to assets | 9.1984% | 2,527 |
| Core capital (leverage) ratio | 11.6245% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,389,000 | 4,587 |
| Average earning assets | $43,402,500 | 4,562 |
| Average equity | $4,747,500 | 4,586 |
| Average total loans | $11,997,500 | 4,656 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9686% | 3,924 |
| Cost of funding earning assets | 0.2796% | 2,608 |
| Net interest margin | 2.6890% | 3,892 |
| Noninterest income to average assets | 0.3507% | 3,335 |
| Noninterest expense to average assets | 2.6959% | 1,643 |
| Loan and lease loss provision to assets | 0.0228% | 2,609 |
| Net operating income to assets | 0.2163% | 4,520 |
| Return on assets (ROA) | 0.2163% | 4,538 |
| Pretax return on assets | 0.2163% | 4,563 |
| Return on Equity (ROE) | 1.7229% | 4,531 |
| Retained earnings to average equity (ytd only) | 0.5441% | 4,365 |
| Net charge-offs to loans | 0.0235% | 1,775 |
| Credit loss provision to net charge-offs | 333.3333% | 1,014 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,507 |
| Efficiency ratio | 91.8542% | 272 |
| Assets per employee ($millions) | 5.1448% | 3,605 |
| Cash dividends to net income (ytd only)* | 68.4211% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,723 |
| Loan loss allowance to noncurrent loans | 248.3333% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,395 |
| Noncurrent loans to loans | 0.4962% | 1,883 |
| Net loans and leases to total assets | 25.7931% | 4,629 |
| Net loans and leases to deposits | 29.2635% | 4,637 |
| Net loans and leases to core deposits | 30.0151% | 4,642 |
| Total domestic deposits to total assets | 88.1412% | 1,965 |
| Equity capital to assets | 11.6710% | 1,410 |
| Core capital (leverage) ratio | 11.5305% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,917,800 | 4,621 |
| Average earning assets | $42,208,400 | 4,591 |
| Average equity | $5,514,000 | 4,581 |
| Average total loans | $12,777,400 | 4,685 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 3,900 |
| Cost of funding earning assets | 0.2852% | 2,746 |
| Net interest margin | 2.7690% | 3,843 |
| Noninterest income to average assets | 0.3447% | 3,388 |
| Noninterest expense to average assets | 2.7730% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2308% | 4,596 |
| Return on assets (ROA) | 0.2308% | 4,619 |
| Pretax return on assets | 0.2308% | 4,649 |
| Return on Equity (ROE) | 1.8045% | 4,620 |
| Retained earnings to average equity (ytd only) | 1.8045% | 4,244 |
| Net charge-offs to loans | -0.0103% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3156% | 263 |
| Assets per employee ($millions) | 4.8398% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,616 |
| Loan loss allowance to noncurrent loans | 230.6452% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 2,511 |
| Noncurrent loans to loans | 0.4599% | 2,183 |
| Net loans and leases to total assets | 30.6212% | 4,575 |
| Net loans and leases to deposits | 35.2270% | 4,595 |
| Net loans and leases to core deposits | 36.2180% | 4,607 |
| Total domestic deposits to total assets | 86.9255% | 2,380 |
| Equity capital to assets | 12.7921% | 1,055 |
| Core capital (leverage) ratio | 12.5020% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,321,500 | 4,694 |
| Average earning assets | $41,603,000 | 4,664 |
| Average equity | $5,541,500 | 4,644 |
| Average total loans | $12,948,750 | 4,755 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9876% | 4,070 |
| Cost of funding earning assets | 0.2887% | 2,885 |
| Net interest margin | 2.6990% | 3,981 |
| Noninterest income to average assets | 0.3099% | 3,574 |
| Noninterest expense to average assets | 2.7843% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1203% | 4,694 |
| Return on assets (ROA) | 0.1203% | 4,712 |
| Pretax return on assets | 0.1203% | 4,719 |
| Return on Equity (ROE) | 0.9401% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.9401% | 4,355 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8599% | 222 |
| Assets per employee ($millions) | 4.7923% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,563 |
| Loan loss allowance to noncurrent loans | 218.4615% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,622 |
| Noncurrent loans to loans | 0.4880% | 2,221 |
| Net loans and leases to total assets | 30.5557% | 4,633 |
| Net loans and leases to deposits | 35.1853% | 4,649 |
| Net loans and leases to core deposits | 36.1842% | 4,667 |
| Total domestic deposits to total assets | 86.8424% | 2,409 |
| Equity capital to assets | 12.8423% | 1,000 |
| Core capital (leverage) ratio | 12.0513% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,242,667 | 4,727 |
| Average earning assets | $41,571,333 | 4,694 |
| Average equity | $5,531,333 | 4,671 |
| Average total loans | $12,771,333 | 4,793 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8670% | 4,294 |
| Cost of funding earning assets | 0.2972% | 3,024 |
| Net interest margin | 2.5697% | 4,204 |
| Noninterest income to average assets | 0.4065% | 3,053 |
| Noninterest expense to average assets | 2.8361% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0462% | 4,756 |
| Return on assets (ROA) | 0.0462% | 4,762 |
| Pretax return on assets | 0.0462% | 4,761 |
| Return on Equity (ROE) | 0.3618% | 4,763 |
| Retained earnings to average equity (ytd only) | 0.3618% | 4,322 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3974% | 211 |
| Assets per employee ($millions) | 4.7997% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,082 |
| Loan loss allowance to noncurrent loans | 202.8571% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 2,333 |
| Noncurrent loans to loans | 0.5778% | 2,124 |
| Net loans and leases to total assets | 27.7172% | 4,755 |
| Net loans and leases to deposits | 31.7856% | 4,768 |
| Net loans and leases to core deposits | 32.6828% | 4,779 |
| Total domestic deposits to total assets | 87.2005% | 2,229 |
| Equity capital to assets | 12.5749% | 1,057 |
| Core capital (leverage) ratio | 12.3421% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,298,500 | 4,747 |
| Average earning assets | $41,716,500 | 4,710 |
| Average equity | $5,527,500 | 4,692 |
| Average total loans | $12,496,500 | 4,821 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2722% | 4,365 |
| Cost of funding earning assets | 0.3751% | 3,738 |
| Net interest margin | 2.8971% | 4,111 |
| Noninterest income to average assets | 0.3225% | 3,529 |
| Noninterest expense to average assets | 2.8267% | 1,879 |
| Loan and lease loss provision to assets | 0.1222% | 2,841 |
| Net operating income to assets | 0.1099% | 4,660 |
| Return on assets (ROA) | 0.1099% | 4,697 |
| Pretax return on assets | 0.1099% | 4,699 |
| Return on Equity (ROE) | 0.8119% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.2706% | 4,437 |
| Net charge-offs to loans | 0.1342% | 1,206 |
| Credit loss provision to net charge-offs | 312.5000% | 1,690 |
| Earnings coverage of net charge-offs (x) | 5.9375% | 2,825 |
| Efficiency ratio | 92.4121% | 306 |
| Assets per employee ($millions) | 4.8222% | 3,583 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,448 |
| Loan loss allowance to noncurrent loans | 191.8919% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 2,489 |
| Noncurrent loans to loans | 0.5746% | 2,260 |
| Net loans and leases to total assets | 29.3456% | 4,766 |
| Net loans and leases to deposits | 33.8615% | 4,788 |
| Net loans and leases to core deposits | 34.8168% | 4,792 |
| Total domestic deposits to total assets | 86.6636% | 2,090 |
| Equity capital to assets | 12.9562% | 1,103 |
| Core capital (leverage) ratio | 12.3056% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,931,400 | 4,760 |
| Average earning assets | $38,658,800 | 4,732 |
| Average equity | $5,542,800 | 4,693 |
| Average total loans | $11,924,600 | 4,862 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 4,308 |
| Cost of funding earning assets | 0.3879% | 3,882 |
| Net interest margin | 3.0468% | 3,871 |
| Noninterest income to average assets | 0.3737% | 3,210 |
| Noninterest expense to average assets | 2.9203% | 1,648 |
| Loan and lease loss provision to assets | 0.1662% | 2,337 |
| Net operating income to assets | 0.1455% | 4,655 |
| Return on assets (ROA) | 0.1455% | 4,683 |
| Pretax return on assets | 0.1455% | 4,695 |
| Return on Equity (ROE) | 1.0622% | 4,696 |
| Retained earnings to average equity (ytd only) | 1.0622% | 4,237 |
| Net charge-offs to loans | 0.1825% | 821 |
| Credit loss provision to net charge-offs | 312.5000% | 1,724 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,699 |
| Efficiency ratio | 90.3787% | 355 |
| Assets per employee ($millions) | 4.5781% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,775 |
| Loan loss allowance to noncurrent loans | 194.5205% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 2,611 |
| Noncurrent loans to loans | 0.5055% | 2,533 |
| Net loans and leases to total assets | 34.7038% | 4,721 |
| Net loans and leases to deposits | 40.4326% | 4,737 |
| Net loans and leases to core deposits | 41.6480% | 4,757 |
| Total domestic deposits to total assets | 85.8311% | 2,136 |
| Equity capital to assets | 13.7951% | 909 |
| Core capital (leverage) ratio | 12.8860% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,314,250 | 4,795 |
| Average earning assets | $37,808,750 | 4,767 |
| Average equity | $5,522,750 | 4,717 |
| Average total loans | $11,686,250 | 4,895 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 4,435 |
| Cost of funding earning assets | 0.3898% | 4,078 |
| Net interest margin | 3.0920% | 3,915 |
| Noninterest income to average assets | 0.3848% | 3,175 |
| Noninterest expense to average assets | 2.9937% | 1,585 |
| Loan and lease loss provision to assets | 0.1749% | 2,264 |
| Net operating income to assets | 0.1100% | 4,673 |
| Return on assets (ROA) | 0.1100% | 4,705 |
| Pretax return on assets | 0.1100% | 4,715 |
| Return on Equity (ROE) | 0.8045% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.8045% | 4,137 |
| Net charge-offs to loans | 0.0186% | 2,349 |
| Credit loss provision to net charge-offs | 3,500.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,006 |
| Efficiency ratio | 91.3110% | 360 |
| Assets per employee ($millions) | 4.6697% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,142 |
| Loan loss allowance to noncurrent loans | 110.0775% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 2,285 |
| Noncurrent loans to loans | 0.9876% | 1,571 |
| Net loans and leases to total assets | 30.7421% | 4,843 |
| Net loans and leases to deposits | 35.6748% | 4,868 |
| Net loans and leases to core deposits | 36.7191% | 4,870 |
| Total domestic deposits to total assets | 86.1732% | 1,933 |
| Equity capital to assets | 13.4461% | 995 |
| Core capital (leverage) ratio | 12.8544% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,018,000 | 4,823 |
| Average earning assets | $37,452,000 | 4,796 |
| Average equity | $5,469,000 | 4,749 |
| Average total loans | $10,768,000 | 4,948 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 4,687 |
| Cost of funding earning assets | 0.3966% | 4,376 |
| Net interest margin | 3.0519% | 4,201 |
| Noninterest income to average assets | 0.5126% | 2,486 |
| Noninterest expense to average assets | 3.1271% | 1,573 |
| Loan and lease loss provision to assets | 0.1025% | 2,400 |
| Net operating income to assets | 0.1230% | 4,629 |
| Return on assets (ROA) | 0.1230% | 4,635 |
| Pretax return on assets | 0.1230% | 4,642 |
| Return on Equity (ROE) | 0.8925% | 4,643 |
| Retained earnings to average equity (ytd only) | 0.8925% | 3,773 |
| Net charge-offs to loans | -0.0416% | 4,576 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2722% | 392 |
| Assets per employee ($millions) | 3.8131% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,784 |
| Loan loss allowance to noncurrent loans | 60.1010% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 1,804 |
| Noncurrent loans to loans | 1.9598% | 742 |
| Net loans and leases to total assets | 26.1834% | 4,958 |
| Net loans and leases to deposits | 30.4502% | 4,971 |
| Net loans and leases to core deposits | 31.4377% | 4,974 |
| Total domestic deposits to total assets | 85.9878% | 2,007 |
| Equity capital to assets | 13.9309% | 1,084 |
| Core capital (leverage) ratio | 13.7848% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,013,500 | 4,869 |
| Average earning assets | $36,305,500 | 4,847 |
| Average equity | $5,378,000 | 4,794 |
| Average total loans | $9,621,000 | 5,002 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 4,907 |
| Cost of funding earning assets | 0.3606% | 4,569 |
| Net interest margin | 3.0604% | 4,434 |
| Noninterest income to average assets | 0.2497% | 4,183 |
| Noninterest expense to average assets | 2.8119% | 2,562 |
| Loan and lease loss provision to assets | 0.7204% | 153 |
| Net operating income to assets | -0.2831% | 5,029 |
| Return on assets (ROA) | -0.1465% | 5,021 |
| Pretax return on assets | -0.2161% | 5,022 |
| Return on Equity (ROE) | -1.1494% | 5,020 |
| Retained earnings to average equity (ytd only) | -1.1494% | 4,818 |
| Net charge-offs to loans | 3.1301% | 34 |
| Credit loss provision to net charge-offs | 105.2632% | 2,353 |
| Earnings coverage of net charge-offs (x) | 0.4842% | 3,613 |
| Efficiency ratio | 89.4576% | 369 |
| Assets per employee ($millions) | 3.9896% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,538 |
| Loan loss allowance to noncurrent loans | 49.3151% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 1,534 |
| Noncurrent loans to loans | 2.3963% | 475 |
| Net loans and leases to total assets | 22.6364% | 5,051 |
| Net loans and leases to deposits | 26.2667% | 5,063 |
| Net loans and leases to core deposits | 27.0762% | 5,062 |
| Total domestic deposits to total assets | 86.1791% | 1,994 |
| Equity capital to assets | 13.6455% | 1,230 |
| Core capital (leverage) ratio | 13.1065% | 1,196 |
| Tier 1 risk-based capital ratio | 29.1109% | 510 |
| Total risk-based capital ratio | 29.7011% | 528 |
| Memoranda: | ||
| Average total assets | $41,644,600 | 4,869 |
| Average earning assets | $39,374,400 | 4,848 |
| Average equity | $5,307,200 | 4,846 |
| Average total loans | $9,105,200 | 5,070 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 4,995 |
| Cost of funding earning assets | 0.3509% | 4,654 |
| Net interest margin | 3.0911% | 4,492 |
| Noninterest income to average assets | 0.3644% | 3,539 |
| Noninterest expense to average assets | 2.8389% | 2,444 |
| Loan and lease loss provision to assets | 0.8871% | 112 |
| Net operating income to assets | -0.4816% | 5,134 |
| Return on assets (ROA) | -0.2535% | 5,118 |
| Pretax return on assets | -0.2028% | 5,104 |
| Return on Equity (ROE) | -2.0228% | 5,119 |
| Retained earnings to average equity (ytd only) | -2.0228% | 4,927 |
| Net charge-offs to loans | 3.6203% | 29 |
| Credit loss provision to net charge-offs | 113.3603% | 2,051 |
| Earnings coverage of net charge-offs (x) | 0.5830% | 3,355 |
| Efficiency ratio | 86.1538% | 492 |
| Assets per employee ($millions) | 3.8679% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,762 |
| Loan loss allowance to noncurrent loans | 43.0034% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 1,359 |
| Noncurrent loans to loans | 3.1431% | 298 |
| Net loans and leases to total assets | 23.7752% | 5,130 |
| Net loans and leases to deposits | 27.7951% | 5,137 |
| Net loans and leases to core deposits | 28.9665% | 5,139 |
| Total domestic deposits to total assets | 85.5374% | 2,192 |
| Equity capital to assets | 14.1705% | 1,087 |
| Core capital (leverage) ratio | 13.1481% | 1,281 |
| Tier 1 risk-based capital ratio | 28.0743% | 573 |
| Total risk-based capital ratio | 28.7407% | 591 |
| Memoranda: | ||
| Average total assets | $42,081,750 | 4,938 |
| Average earning assets | $39,898,000 | 4,915 |
| Average equity | $5,273,000 | 4,917 |
| Average total loans | $9,096,750 | 5,149 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 5,097 |
| Cost of funding earning assets | 0.3411% | 4,709 |
| Net interest margin | 3.0211% | 4,649 |
| Noninterest income to average assets | 0.3471% | 3,611 |
| Noninterest expense to average assets | 2.6842% | 2,958 |
| Loan and lease loss provision to assets | 0.1388% | 1,337 |
| Net operating income to assets | 0.3193% | 4,852 |
| Return on assets (ROA) | 0.3193% | 4,862 |
| Pretax return on assets | 0.3934% | 4,839 |
| Return on Equity (ROE) | 2.6520% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.6520% | 3,875 |
| Net charge-offs to loans | 0.1330% | 1,136 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,828 |
| Efficiency ratio | 83.4532% | 699 |
| Assets per employee ($millions) | 4.1228% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,568 |
| Loan loss allowance to noncurrent loans | 16.6193% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.9938% | 466 |
| Noncurrent loans to loans | 7.1749% | 50 |
| Net loans and leases to total assets | 23.5156% | 5,181 |
| Net loans and leases to deposits | 27.2991% | 5,195 |
| Net loans and leases to core deposits | 29.2203% | 5,186 |
| Total domestic deposits to total assets | 86.1405% | 1,960 |
| Equity capital to assets | 13.5684% | 1,291 |
| Core capital (leverage) ratio | 12.8935% | 1,359 |
| Tier 1 risk-based capital ratio | 35.5903% | 322 |
| Total risk-based capital ratio | 36.3536% | 329 |
| Memoranda: | ||
| Average total assets | $43,216,000 | 4,964 |
| Average earning assets | $41,045,000 | 4,943 |
| Average equity | $5,203,670 | 4,958 |
| Average total loans | $9,021,670 | 5,196 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 5,164 |
| Cost of funding earning assets | 0.3240% | 4,760 |
| Net interest margin | 2.9927% | 4,762 |
| Noninterest income to average assets | 0.3529% | 3,494 |
| Noninterest expense to average assets | 2.6962% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4976% | 4,531 |
| Return on assets (ROA) | 0.4976% | 4,551 |
| Pretax return on assets | 0.4976% | 4,692 |
| Return on Equity (ROE) | 4.3925% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.3925% | 3,174 |
| Net charge-offs to loans | -0.1391% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4193% | 678 |
| Assets per employee ($millions) | 4.8270% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,147 |
| Loan loss allowance to noncurrent loans | 18.7500% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4571% | 832 |
| Noncurrent loans to loans | 5.8501% | 80 |
| Net loans and leases to total assets | 19.9250% | 5,263 |
| Net loans and leases to deposits | 22.7198% | 5,267 |
| Net loans and leases to core deposits | 26.0221% | 5,254 |
| Total domestic deposits to total assets | 87.6988% | 1,481 |
| Equity capital to assets | 12.1654% | 1,926 |
| Core capital (leverage) ratio | 12.4711% | 1,533 |
| Tier 1 risk-based capital ratio | 25.8564% | 698 |
| Total risk-based capital ratio | 26.3125% | 742 |
| Memoranda: | ||
| Average total assets | $44,210,000 | 5,001 |
| Average earning assets | $41,969,000 | 4,972 |
| Average equity | $5,008,500 | 5,024 |
| Average total loans | $8,626,500 | 5,264 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 5,078 |
| Cost of funding earning assets | 0.2833% | 4,645 |
| Net interest margin | 3.0233% | 4,774 |
| Noninterest income to average assets | 0.3013% | 4,091 |
| Noninterest expense to average assets | 2.4873% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6774% | 4,211 |
| Return on assets (ROA) | 0.6774% | 4,216 |
| Pretax return on assets | 0.6774% | 4,469 |
| Return on Equity (ROE) | 6.5310% | 3,996 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,326 |
| Net charge-offs to loans | 0.1151% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,667 |
| Efficiency ratio | 78.5962% | 1,072 |
| Assets per employee ($millions) | 4.4977% | 3,173 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,139 |
| Loan loss allowance to noncurrent loans | 18.0583% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 853 |
| Noncurrent loans to loans | 6.0581% | 70 |
| Net loans and leases to total assets | 18.6940% | 5,317 |
| Net loans and leases to deposits | 20.9128% | 5,319 |
| Net loans and leases to core deposits | 23.7803% | 5,310 |
| Total domestic deposits to total assets | 89.3901% | 700 |
| Equity capital to assets | 10.5209% | 3,160 |
| Core capital (leverage) ratio | 11.9243% | 1,788 |
| Tier 1 risk-based capital ratio | 35.3729% | 312 |
| Total risk-based capital ratio | 35.9835% | 320 |
| Memoranda: | ||
| Average total assets | $45,470,600 | 5,023 |
| Average earning assets | $43,065,200 | 4,989 |
| Average equity | $4,716,000 | 5,087 |
| Average total loans | $9,554,600 | 5,296 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,160 |
| Cost of funding earning assets | 0.2787% | 4,641 |
| Net interest margin | 2.9815% | 4,874 |
| Noninterest income to average assets | 0.2866% | 4,237 |
| Noninterest expense to average assets | 2.5266% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5761% | 4,567 |
| Return on assets (ROA) | 0.5761% | 4,573 |
| Pretax return on assets | 0.5761% | 4,772 |
| Return on Equity (ROE) | 5.5743% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.5743% | 2,909 |
| Net charge-offs to loans | 0.1087% | 1,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 24.6167% | 1,806 |
| Efficiency ratio | 81.4326% | 817 |
| Assets per employee ($millions) | 4.4696% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,984 |
| Loan loss allowance to noncurrent loans | 48.0000% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 2,051 |
| Noncurrent loans to loans | 2.0076% | 730 |
| Net loans and leases to total assets | 22.0736% | 5,369 |
| Net loans and leases to deposits | 24.5912% | 5,379 |
| Net loans and leases to core deposits | 27.9712% | 5,363 |
| Total domestic deposits to total assets | 89.7619% | 579 |
| Equity capital to assets | 10.0546% | 3,582 |
| Core capital (leverage) ratio | 12.5423% | 1,478 |
| Tier 1 risk-based capital ratio | 30.7938% | 442 |
| Total risk-based capital ratio | 31.3328% | 463 |
| Memoranda: | ||
| Average total assets | $45,594,000 | 5,084 |
| Average earning assets | $43,064,500 | 5,049 |
| Average equity | $4,712,000 | 5,154 |
| Average total loans | $9,818,000 | 5,359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 5,260 |
| Cost of funding earning assets | 0.2760% | 4,590 |
| Net interest margin | 2.8799% | 5,041 |
| Noninterest income to average assets | 0.2833% | 4,288 |
| Noninterest expense to average assets | 2.5625% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4489% | 4,861 |
| Return on assets (ROA) | 0.4489% | 4,865 |
| Pretax return on assets | 0.4489% | 4,990 |
| Return on Equity (ROE) | 4.3054% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.3054% | 3,448 |
| Net charge-offs to loans | 0.1024% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,802 |
| Efficiency ratio | 85.0941% | 624 |
| Assets per employee ($millions) | 4.0273% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,637 |
| Loan loss allowance to noncurrent loans | 35.3571% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 2,069 |
| Noncurrent loans to loans | 2.9185% | 399 |
| Net loans and leases to total assets | 21.4334% | 5,432 |
| Net loans and leases to deposits | 23.9955% | 5,444 |
| Net loans and leases to core deposits | 27.3450% | 5,426 |
| Total domestic deposits to total assets | 89.3228% | 805 |
| Equity capital to assets | 10.5147% | 3,099 |
| Core capital (leverage) ratio | 12.2157% | 1,589 |
| Tier 1 risk-based capital ratio | 33.7887% | 352 |
| Total risk-based capital ratio | 34.4091% | 362 |
| Memoranda: | ||
| Average total assets | $45,893,330 | 5,130 |
| Average earning assets | $43,473,330 | 5,099 |
| Average equity | $4,784,670 | 5,192 |
| Average total loans | $9,770,000 | 5,421 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0898% | 5,321 |
| Cost of funding earning assets | 0.2710% | 4,572 |
| Net interest margin | 2.8187% | 5,139 |
| Noninterest income to average assets | 0.3170% | 4,034 |
| Noninterest expense to average assets | 2.5787% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4112% | 4,908 |
| Return on assets (ROA) | 0.4112% | 4,910 |
| Pretax return on assets | 0.4112% | 5,021 |
| Return on Equity (ROE) | 3.9604% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.9604% | 3,605 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2464% | 626 |
| Assets per employee ($millions) | 4.1220% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 3,194 |
| Loan loss allowance to noncurrent loans | 59.7701% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 2,967 |
| Noncurrent loans to loans | 1.8940% | 867 |
| Net loans and leases to total assets | 20.0322% | 5,505 |
| Net loans and leases to deposits | 22.3774% | 5,514 |
| Net loans and leases to core deposits | 25.7725% | 5,498 |
| Total domestic deposits to total assets | 89.5197% | 877 |
| Equity capital to assets | 10.3613% | 3,210 |
| Core capital (leverage) ratio | 11.7833% | 1,788 |
| Tier 1 risk-based capital ratio | 33.3042% | 362 |
| Total risk-based capital ratio | 33.9532% | 378 |
| Memoranda: | ||
| Average total assets | $46,690,000 | 5,171 |
| Average earning assets | $44,275,000 | 5,147 |
| Average equity | $4,848,000 | 5,240 |
| Average total loans | $9,858,000 | 5,479 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1273% | 5,260 |
| Cost of funding earning assets | 0.2492% | 4,573 |
| Net interest margin | 2.8781% | 5,070 |
| Noninterest income to average assets | 0.2803% | 4,455 |
| Noninterest expense to average assets | 2.5159% | 3,727 |
| Loan and lease loss provision to assets | 0.0760% | 2,674 |
| Net operating income to assets | 0.4780% | 4,432 |
| Return on assets (ROA) | 0.5497% | 4,251 |
| Pretax return on assets | 0.4954% | 4,938 |
| Return on Equity (ROE) | 4.9362% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.5218% | 4,389 |
| Net charge-offs to loans | 0.1786% | 1,398 |
| Credit loss provision to net charge-offs | 175.0000% | 1,550 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,568 |
| Efficiency ratio | 83.4294% | 815 |
| Assets per employee ($millions) | 4.3671% | 3,380 |
| Cash dividends to net income (ytd only)* | 69.1700% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,017 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 3,798 |
| Noncurrent loans to loans | 0.8643% | 2,067 |
| Net loans and leases to total assets | 21.7016% | 5,561 |
| Net loans and leases to deposits | 24.2352% | 5,571 |
| Net loans and leases to core deposits | 27.6738% | 5,551 |
| Total domestic deposits to total assets | 89.5458% | 754 |
| Equity capital to assets | 10.4043% | 3,262 |
| Core capital (leverage) ratio | 10.9804% | 2,355 |
| Tier 1 risk-based capital ratio | 30.7337% | 436 |
| Total risk-based capital ratio | 31.3421% | 456 |
| Memoranda: | ||
| Average total assets | $46,028,000 | 5,230 |
| Average earning assets | $43,744,200 | 5,193 |
| Average equity | $5,125,400 | 5,252 |
| Average total loans | $11,197,800 | 5,514 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1622% | 5,279 |
| Cost of funding earning assets | 0.2468% | 4,592 |
| Net interest margin | 2.9154% | 5,069 |
| Noninterest income to average assets | 0.2958% | 4,417 |
| Noninterest expense to average assets | 2.5421% | 3,592 |
| Loan and lease loss provision to assets | 0.1025% | 2,061 |
| Net operating income to assets | 0.4920% | 4,751 |
| Return on assets (ROA) | 0.5301% | 4,685 |
| Pretax return on assets | 0.4569% | 5,104 |
| Return on Equity (ROE) | 4.6794% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.6794% | 3,092 |
| Net charge-offs to loans | 0.2464% | 877 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 8.4761% | 2,778 |
| Efficiency ratio | 82.9828% | 843 |
| Assets per employee ($millions) | 3.8359% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 4,339 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 3,948 |
| Noncurrent loans to loans | 0.7097% | 2,581 |
| Net loans and leases to total assets | 25.8016% | 5,571 |
| Net loans and leases to deposits | 29.5457% | 5,594 |
| Net loans and leases to core deposits | 30.6650% | 5,592 |
| Total domestic deposits to total assets | 87.3279% | 1,712 |
| Equity capital to assets | 12.5133% | 1,654 |
| Core capital (leverage) ratio | 12.4338% | 1,444 |
| Tier 1 risk-based capital ratio | 29.5090% | 494 |
| Total risk-based capital ratio | 30.0821% | 519 |
| Memoranda: | ||
| Average total assets | $45,525,500 | 5,293 |
| Average earning assets | $43,217,750 | 5,262 |
| Average equity | $5,157,250 | 5,304 |
| Average total loans | $11,365,000 | 5,574 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 5,358 |
| Cost of funding earning assets | 0.2438% | 4,601 |
| Net interest margin | 2.8445% | 5,179 |
| Noninterest income to average assets | 0.2873% | 4,496 |
| Noninterest expense to average assets | 2.5002% | 3,752 |
| Loan and lease loss provision to assets | 0.0643% | 2,681 |
| Net operating income to assets | 0.4246% | 4,915 |
| Return on assets (ROA) | 0.4803% | 4,792 |
| Pretax return on assets | 0.4803% | 5,040 |
| Return on Equity (ROE) | 4.3781% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.3781% | 3,097 |
| Net charge-offs to loans | -0.0174% | 4,724 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6442% | 871 |
| Assets per employee ($millions) | 4.1982% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,595 |
| Loan loss allowance to noncurrent loans | 132.9114% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,926 |
| Noncurrent loans to loans | 0.6846% | 2,701 |
| Net loans and leases to total assets | 24.7596% | 5,635 |
| Net loans and leases to deposits | 27.9936% | 5,653 |
| Net loans and leases to core deposits | 31.7602% | 5,627 |
| Total domestic deposits to total assets | 88.4474% | 1,233 |
| Equity capital to assets | 11.3404% | 2,460 |
| Core capital (leverage) ratio | 11.3807% | 2,065 |
| Tier 1 risk-based capital ratio | 30.5461% | 445 |
| Total risk-based capital ratio | 31.1528% | 462 |
| Memoranda: | ||
| Average total assets | $46,635,670 | 5,320 |
| Average earning assets | $44,296,000 | 5,282 |
| Average equity | $5,116,330 | 5,344 |
| Average total loans | $11,489,670 | 5,618 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 5,474 |
| Cost of funding earning assets | 0.2427% | 4,597 |
| Net interest margin | 2.7417% | 5,335 |
| Noninterest income to average assets | 0.2987% | 4,422 |
| Noninterest expense to average assets | 2.5180% | 3,754 |
| Loan and lease loss provision to assets | 0.1280% | 1,505 |
| Net operating income to assets | 0.2561% | 5,293 |
| Return on assets (ROA) | 0.3585% | 5,073 |
| Pretax return on assets | 0.3585% | 5,225 |
| Return on Equity (ROE) | 3.3228% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.3228% | 3,773 |
| Net charge-offs to loans | -0.1396% | 5,543 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7647% | 741 |
| Assets per employee ($millions) | 4.3088% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 4,547 |
| Loan loss allowance to noncurrent loans | 131.7073% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,999 |
| Noncurrent loans to loans | 0.7221% | 2,688 |
| Net loans and leases to total assets | 23.7315% | 5,703 |
| Net loans and leases to deposits | 26.6118% | 5,718 |
| Net loans and leases to core deposits | 30.0564% | 5,691 |
| Total domestic deposits to total assets | 89.1765% | 1,063 |
| Equity capital to assets | 10.7285% | 2,931 |
| Core capital (leverage) ratio | 11.3397% | 2,072 |
| Tier 1 risk-based capital ratio | 29.4866% | 496 |
| Total risk-based capital ratio | 30.0973% | 508 |
| Memoranda: | ||
| Average total assets | $46,863,500 | 5,372 |
| Average earning assets | $44,498,500 | 5,334 |
| Average equity | $5,056,000 | 5,411 |
| Average total loans | $11,465,000 | 5,681 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0237% | 5,485 |
| Cost of funding earning assets | 0.2501% | 4,565 |
| Net interest margin | 2.7736% | 5,329 |
| Noninterest income to average assets | 0.3584% | 4,175 |
| Noninterest expense to average assets | 2.4118% | 4,278 |
| Loan and lease loss provision to assets | 0.0648% | 3,077 |
| Net operating income to assets | 0.4867% | 4,683 |
| Return on assets (ROA) | 0.5700% | 4,452 |
| Pretax return on assets | 0.5765% | 4,855 |
| Return on Equity (ROE) | 5.0478% | 4,414 |
| Retained earnings to average equity (ytd only) | 1.5296% | 4,650 |
| Net charge-offs to loans | 0.4193% | 623 |
| Credit loss provision to net charge-offs | 68.1818% | 3,154 |
| Earnings coverage of net charge-offs (x) | 5.8636% | 3,267 |
| Efficiency ratio | 81.2364% | 1,281 |
| Assets per employee ($millions) | 4.2118% | 3,603 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 5,186 |
| Loan loss allowance to noncurrent loans | 104.7059% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 4,024 |
| Noncurrent loans to loans | 0.7344% | 2,690 |
| Net loans and leases to total assets | 24.7896% | 5,750 |
| Net loans and leases to deposits | 27.8499% | 5,763 |
| Net loans and leases to core deposits | 31.5557% | 5,735 |
| Total domestic deposits to total assets | 89.0114% | 1,113 |
| Equity capital to assets | 10.8504% | 2,763 |
| Core capital (leverage) ratio | 11.0454% | 2,300 |
| Tier 1 risk-based capital ratio | 28.0403% | 562 |
| Total risk-based capital ratio | 28.5227% | 589 |
| Memoranda: | ||
| Average total assets | $46,313,600 | 5,416 |
| Average earning assets | $43,589,400 | 5,388 |
| Average equity | $5,230,000 | 5,426 |
| Average total loans | $10,494,800 | 5,757 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0795% | 5,489 |
| Cost of funding earning assets | 0.2515% | 4,589 |
| Net interest margin | 2.8280% | 5,308 |
| Noninterest income to average assets | 0.3570% | 4,229 |
| Noninterest expense to average assets | 2.4616% | 4,101 |
| Loan and lease loss provision to assets | 0.0864% | 2,500 |
| Net operating income to assets | 0.4589% | 4,839 |
| Return on assets (ROA) | 0.5701% | 4,520 |
| Pretax return on assets | 0.5758% | 4,943 |
| Return on Equity (ROE) | 4.9991% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,826 |
| Net charge-offs to loans | 0.5607% | 376 |
| Credit loss provision to net charge-offs | 69.7674% | 2,792 |
| Earnings coverage of net charge-offs (x) | 4.4420% | 3,269 |
| Efficiency ratio | 81.7400% | 1,223 |
| Assets per employee ($millions) | 4.1565% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 5,071 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 4,184 |
| Noncurrent loans to loans | 0.7468% | 2,805 |
| Net loans and leases to total assets | 23.2344% | 5,830 |
| Net loans and leases to deposits | 26.4959% | 5,845 |
| Net loans and leases to core deposits | 29.9907% | 5,823 |
| Total domestic deposits to total assets | 87.6906% | 1,561 |
| Equity capital to assets | 11.7998% | 2,256 |
| Core capital (leverage) ratio | 11.7216% | 1,867 |
| Tier 1 risk-based capital ratio | 30.3129% | 468 |
| Total risk-based capital ratio | 30.8287% | 490 |
| Memoranda: | ||
| Average total assets | $46,309,500 | 5,471 |
| Average earning assets | $43,468,500 | 5,441 |
| Average equity | $5,280,750 | 5,473 |
| Average total loans | $10,225,000 | 5,825 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1337% | 5,514 |
| Cost of funding earning assets | 0.2527% | 4,632 |
| Net interest margin | 2.8810% | 5,300 |
| Noninterest income to average assets | 0.3182% | 4,504 |
| Noninterest expense to average assets | 2.4642% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5419% | 4,513 |
| Return on assets (ROA) | 0.5419% | 4,621 |
| Pretax return on assets | 0.5505% | 5,024 |
| Return on Equity (ROE) | 4.8067% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.8067% | 2,863 |
| Net charge-offs to loans | 0.0398% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 839 |
| Efficiency ratio | 81.7404% | 1,300 |
| Assets per employee ($millions) | 4.1365% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 4,678 |
| Loan loss allowance to noncurrent loans | 72.6619% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 3,760 |
| Noncurrent loans to loans | 1.3335% | 1,685 |
| Net loans and leases to total assets | 22.6869% | 5,907 |
| Net loans and leases to deposits | 25.8359% | 5,925 |
| Net loans and leases to core deposits | 29.3985% | 5,902 |
| Total domestic deposits to total assets | 87.8115% | 1,523 |
| Equity capital to assets | 11.7665% | 2,298 |
| Core capital (leverage) ratio | 11.2411% | 2,203 |
| Tier 1 risk-based capital ratio | 31.4076% | 437 |
| Total risk-based capital ratio | 32.0154% | 459 |
| Memoranda: | ||
| Average total assets | $46,505,670 | 5,531 |
| Average earning assets | $43,526,330 | 5,505 |
| Average equity | $5,242,670 | 5,535 |
| Average total loans | $10,062,330 | 5,903 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1731% | 5,527 |
| Cost of funding earning assets | 0.2405% | 4,800 |
| Net interest margin | 2.9326% | 5,254 |
| Noninterest income to average assets | 0.3148% | 4,474 |
| Noninterest expense to average assets | 2.4847% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5276% | 4,515 |
| Return on assets (ROA) | 0.5276% | 4,625 |
| Pretax return on assets | 0.5276% | 5,014 |
| Return on Equity (ROE) | 4.7812% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.7812% | 3,074 |
| Net charge-offs to loans | 0.1619% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,658 |
| Efficiency ratio | 82.4859% | 1,333 |
| Assets per employee ($millions) | 4.7127% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 4,619 |
| Loan loss allowance to noncurrent loans | 68.7500% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 3,814 |
| Noncurrent loans to loans | 1.4523% | 1,628 |
| Net loans and leases to total assets | 20.8288% | 5,981 |
| Net loans and leases to deposits | 23.5441% | 5,993 |
| Net loans and leases to core deposits | 26.8983% | 5,976 |
| Total domestic deposits to total assets | 88.4673% | 1,370 |
| Equity capital to assets | 11.1528% | 2,768 |
| Core capital (leverage) ratio | 10.8586% | 2,560 |
| Tier 1 risk-based capital ratio | 30.9651% | 463 |
| Total risk-based capital ratio | 31.5597% | 484 |
| Memoranda: | ||
| Average total assets | $47,007,500 | 5,576 |
| Average earning assets | $43,238,000 | 5,570 |
| Average equity | $5,187,000 | 5,587 |
| Average total loans | $9,881,500 | 5,963 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0770% | 5,663 |
| Cost of funding earning assets | 0.2708% | 4,575 |
| Net interest margin | 2.8062% | 5,500 |
| Noninterest income to average assets | 0.3301% | 4,540 |
| Noninterest expense to average assets | 2.3419% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5427% | 4,531 |
| Return on assets (ROA) | 0.6223% | 4,265 |
| Pretax return on assets | 0.6412% | 4,701 |
| Return on Equity (ROE) | 5.8190% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.9291% | 3,971 |
| Net charge-offs to loans | 0.0966% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 29.5556% | 1,469 |
| Efficiency ratio | 80.7246% | 1,577 |
| Assets per employee ($millions) | 4.2625% | 3,464 |
| Cash dividends to net income (ytd only)* | 49.6622% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 4,343 |
| Loan loss allowance to noncurrent loans | 74.6377% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 3,880 |
| Noncurrent loans to loans | 1.4013% | 1,667 |
| Net loans and leases to total assets | 20.7836% | 6,042 |
| Net loans and leases to deposits | 23.4125% | 6,055 |
| Net loans and leases to core deposits | 25.9673% | 6,042 |
| Total domestic deposits to total assets | 88.7711% | 1,244 |
| Equity capital to assets | 10.9154% | 2,911 |
| Core capital (leverage) ratio | 10.9697% | 2,434 |
| Tier 1 risk-based capital ratio | 29.6691% | 520 |
| Total risk-based capital ratio | 30.2691% | 544 |
| Memoranda: | ||
| Average total assets | $47,567,200 | 5,597 |
| Average earning assets | $43,581,400 | 5,593 |
| Average equity | $5,086,800 | 5,636 |
| Average total loans | $9,319,600 | 6,026 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9618% | 5,840 |
| Cost of funding earning assets | 0.2715% | 4,649 |
| Net interest margin | 2.6904% | 5,736 |
| Noninterest income to average assets | 0.3324% | 4,564 |
| Noninterest expense to average assets | 2.3824% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4413% | 5,003 |
| Return on assets (ROA) | 0.4413% | 5,094 |
| Pretax return on assets | 0.4413% | 5,371 |
| Return on Equity (ROE) | 4.1477% | 4,976 |
| Retained earnings to average equity (ytd only) | 4.1477% | 3,512 |
| Net charge-offs to loans | 0.2322% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.8762% | 2,651 |
| Efficiency ratio | 84.3719% | 1,134 |
| Assets per employee ($millions) | 3.8454% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 4,709 |
| Loan loss allowance to noncurrent loans | 30.4762% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 2,816 |
| Noncurrent loans to loans | 3.3043% | 498 |
| Net loans and leases to total assets | 20.4508% | 6,132 |
| Net loans and leases to deposits | 23.1617% | 6,146 |
| Net loans and leases to core deposits | 26.6589% | 6,131 |
| Total domestic deposits to total assets | 88.2956% | 1,398 |
| Equity capital to assets | 11.3187% | 2,685 |
| Core capital (leverage) ratio | 10.9433% | 2,554 |
| Tier 1 risk-based capital ratio | 35.5025% | 335 |
| Total risk-based capital ratio | 36.1707% | 349 |
| Memoranda: | ||
| Average total assets | $47,737,000 | 5,665 |
| Average earning assets | $44,205,500 | 5,649 |
| Average equity | $5,079,000 | 5,703 |
| Average total loans | $9,187,500 | 6,111 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9042% | 5,939 |
| Cost of funding earning assets | 0.2751% | 4,668 |
| Net interest margin | 2.6291% | 5,849 |
| Noninterest income to average assets | 0.3356% | 4,559 |
| Noninterest expense to average assets | 2.3908% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3605% | 5,258 |
| Return on assets (ROA) | 0.3605% | 5,375 |
| Pretax return on assets | 0.3605% | 5,553 |
| Return on Equity (ROE) | 3.4586% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.4586% | 3,844 |
| Net charge-offs to loans | 0.1984% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,432 |
| Efficiency ratio | 86.8976% | 987 |
| Assets per employee ($millions) | 4.0281% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,527 |
| Loan loss allowance to noncurrent loans | 25.8145% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 2,795 |
| Noncurrent loans to loans | 4.1147% | 362 |
| Net loans and leases to total assets | 19.8481% | 6,208 |
| Net loans and leases to deposits | 22.2114% | 6,228 |
| Net loans and leases to core deposits | 26.8101% | 6,194 |
| Total domestic deposits to total assets | 89.3601% | 969 |
| Equity capital to assets | 10.3751% | 3,587 |
| Core capital (leverage) ratio | 10.3897% | 3,094 |
| Tier 1 risk-based capital ratio | 42.8207% | 222 |
| Total risk-based capital ratio | 43.6973% | 226 |
| Memoranda: | ||
| Average total assets | $48,267,670 | 5,715 |
| Average earning assets | $44,350,000 | 5,708 |
| Average equity | $5,031,000 | 5,772 |
| Average total loans | $9,072,330 | 6,182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 5,988 |
| Cost of funding earning assets | 0.2760% | 4,712 |
| Net interest margin | 2.6314% | 5,892 |
| Noninterest income to average assets | 0.3566% | 4,345 |
| Noninterest expense to average assets | 2.4713% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2571% | 5,542 |
| Return on assets (ROA) | 0.2571% | 5,638 |
| Pretax return on assets | 0.2571% | 5,741 |
| Return on Equity (ROE) | 2.4608% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.4608% | 4,457 |
| Net charge-offs to loans | 0.3196% | 749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 2,497 |
| Efficiency ratio | 90.5775% | 809 |
| Assets per employee ($millions) | 4.0863% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 3,905 |
| Loan loss allowance to noncurrent loans | 86.0656% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 4,773 |
| Noncurrent loans to loans | 1.4078% | 2,040 |
| Net loans and leases to total assets | 17.4586% | 6,295 |
| Net loans and leases to deposits | 19.5805% | 6,309 |
| Net loans and leases to core deposits | 23.7845% | 6,278 |
| Total domestic deposits to total assets | 89.1631% | 1,165 |
| Equity capital to assets | 10.4230% | 3,617 |
| Core capital (leverage) ratio | 10.4044% | 3,095 |
| Tier 1 risk-based capital ratio | 51.2952% | 145 |
| Total risk-based capital ratio | 52.3919% | 146 |
| Memoranda: | ||
| Average total assets | $48,233,000 | 5,764 |
| Average earning assets | $43,475,500 | 5,769 |
| Average equity | $5,039,000 | 5,824 |
| Average total loans | $8,760,000 | 6,259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1201% | 5,925 |
| Cost of funding earning assets | 0.2892% | 4,909 |
| Net interest margin | 2.8309% | 5,763 |
| Noninterest income to average assets | 0.3515% | 4,595 |
| Noninterest expense to average assets | 2.2824% | 5,154 |
| Loan and lease loss provision to assets | 0.0310% | 3,984 |
| Net operating income to assets | 0.6013% | 4,360 |
| Return on assets (ROA) | 0.6926% | 4,046 |
| Pretax return on assets | 0.7236% | 4,537 |
| Return on Equity (ROE) | 6.9499% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.5683% | 3,686 |
| Net charge-offs to loans | 0.9709% | 320 |
| Credit loss provision to net charge-offs | 16.3043% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.4674% | 3,886 |
| Efficiency ratio | 77.5826% | 2,264 |
| Assets per employee ($millions) | 3.9525% | 4,061 |
| Cash dividends to net income (ytd only)* | 48.6567% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 3,624 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 5,342 |
| Noncurrent loans to loans | 0.6325% | 3,787 |
| Net loans and leases to total assets | 18.4314% | 6,386 |
| Net loans and leases to deposits | 20.6632% | 6,398 |
| Net loans and leases to core deposits | 23.1221% | 6,380 |
| Total domestic deposits to total assets | 89.1988% | 1,123 |
| Equity capital to assets | 10.4723% | 3,519 |
| Core capital (leverage) ratio | 10.5749% | 2,873 |
| Tier 1 risk-based capital ratio | 30.5374% | 488 |
| Total risk-based capital ratio | 31.2292% | 508 |
| Memoranda: | ||
| Average total assets | $48,370,600 | 5,824 |
| Average earning assets | $44,262,000 | 5,825 |
| Average equity | $4,820,200 | 5,904 |
| Average total loans | $9,475,400 | 6,328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1288% | 5,986 |
| Cost of funding earning assets | 0.2940% | 4,934 |
| Net interest margin | 2.8348% | 5,815 |
| Noninterest income to average assets | 0.3511% | 4,632 |
| Noninterest expense to average assets | 2.2987% | 5,111 |
| Loan and lease loss provision to assets | 0.0411% | 3,581 |
| Net operating income to assets | 0.5925% | 4,471 |
| Return on assets (ROA) | 0.5925% | 4,567 |
| Pretax return on assets | 0.6035% | 5,016 |
| Return on Equity (ROE) | 6.0205% | 4,222 |
| Retained earnings to average equity (ytd only) | 6.0205% | 2,397 |
| Net charge-offs to loans | 1.3567% | 192 |
| Credit loss provision to net charge-offs | 15.3061% | 3,631 |
| Earnings coverage of net charge-offs (x) | 2.3981% | 3,922 |
| Efficiency ratio | 78.0988% | 2,170 |
| Assets per employee ($millions) | 4.0674% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 4,766 |
| Loan loss allowance to noncurrent loans | 173.7705% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 5,446 |
| Noncurrent loans to loans | 0.6310% | 4,035 |
| Net loans and leases to total assets | 21.3697% | 6,429 |
| Net loans and leases to deposits | 24.1324% | 6,446 |
| Net loans and leases to core deposits | 27.2238% | 6,419 |
| Total domestic deposits to total assets | 88.5519% | 1,476 |
| Equity capital to assets | 11.1218% | 2,839 |
| Core capital (leverage) ratio | 10.5553% | 2,974 |
| Tier 1 risk-based capital ratio | 25.8312% | 801 |
| Total risk-based capital ratio | 26.3801% | 858 |
| Memoranda: | ||
| Average total assets | $48,605,750 | 5,885 |
| Average earning assets | $44,446,000 | 5,887 |
| Average equity | $4,783,500 | 5,975 |
| Average total loans | $9,630,750 | 6,397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0703% | 6,103 |
| Cost of funding earning assets | 0.2956% | 5,011 |
| Net interest margin | 2.7747% | 5,956 |
| Noninterest income to average assets | 0.3367% | 4,731 |
| Noninterest expense to average assets | 2.2768% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5732% | 4,489 |
| Return on assets (ROA) | 0.5732% | 4,596 |
| Pretax return on assets | 0.5812% | 5,013 |
| Return on Equity (ROE) | 6.0602% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.0602% | 2,282 |
| Net charge-offs to loans | 0.6654% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5313% | 3,092 |
| Efficiency ratio | 79.6634% | 2,070 |
| Assets per employee ($millions) | 4.0922% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,205 |
| Loan loss allowance to noncurrent loans | 56.4748% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 4,122 |
| Noncurrent loans to loans | 2.9669% | 988 |
| Net loans and leases to total assets | 18.7615% | 6,527 |
| Net loans and leases to deposits | 20.9016% | 6,546 |
| Net loans and leases to core deposits | 23.0210% | 6,528 |
| Total domestic deposits to total assets | 89.7609% | 927 |
| Equity capital to assets | 9.9560% | 4,170 |
| Core capital (leverage) ratio | 9.7850% | 3,910 |
| Tier 1 risk-based capital ratio | 24.7819% | 893 |
| Total risk-based capital ratio | 25.5735% | 927 |
| Memoranda: | ||
| Average total assets | $49,894,000 | 5,911 |
| Average earning assets | $45,338,000 | 5,901 |
| Average equity | $4,719,330 | 6,032 |
| Average total loans | $9,618,670 | 6,460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0957% | 6,130 |
| Cost of funding earning assets | 0.2973% | 5,092 |
| Net interest margin | 2.7984% | 5,938 |
| Noninterest income to average assets | 0.3659% | 4,460 |
| Noninterest expense to average assets | 2.2669% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6284% | 4,049 |
| Return on assets (ROA) | 0.6284% | 4,135 |
| Pretax return on assets | 0.6443% | 4,682 |
| Return on Equity (ROE) | 6.8184% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.8184% | 2,138 |
| Net charge-offs to loans | 0.3695% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,974 |
| Efficiency ratio | 77.8689% | 2,490 |
| Assets per employee ($millions) | 4.6425% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,865 |
| Loan loss allowance to noncurrent loans | 49.1803% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 3,585 |
| Noncurrent loans to loans | 3.7853% | 741 |
| Net loans and leases to total assets | 18.5815% | 6,602 |
| Net loans and leases to deposits | 20.5256% | 6,616 |
| Net loans and leases to core deposits | 22.3586% | 6,600 |
| Total domestic deposits to total assets | 90.5281% | 786 |
| Equity capital to assets | 9.2702% | 4,788 |
| Core capital (leverage) ratio | 9.6004% | 4,133 |
| Tier 1 risk-based capital ratio | 27.5390% | 675 |
| Total risk-based capital ratio | 28.5609% | 676 |
| Memoranda: | ||
| Average total assets | $50,288,000 | 5,957 |
| Average earning assets | $45,740,500 | 5,950 |
| Average equity | $4,634,500 | 6,088 |
| Average total loans | $9,743,000 | 6,527 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0099% | 6,336 |
| Cost of funding earning assets | 0.3773% | 4,868 |
| Net interest margin | 2.6326% | 6,227 |
| Noninterest income to average assets | 0.3271% | 4,995 |
| Noninterest expense to average assets | 2.0808% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5866% | 4,325 |
| Return on assets (ROA) | 0.6828% | 3,978 |
| Pretax return on assets | 0.7399% | 4,379 |
| Return on Equity (ROE) | 7.5268% | 3,284 |
| Retained earnings to average equity (ytd only) | 3.8368% | 3,474 |
| Net charge-offs to loans | 0.0100% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 130 |
| Efficiency ratio | 76.6106% | 2,690 |
| Assets per employee ($millions) | 4.1258% | 3,589 |
| Cash dividends to net income (ytd only)* | 49.0251% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 1,722 |
| Loan loss allowance to noncurrent loans | 54.7826% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 3,923 |
| Noncurrent loans to loans | 3.5143% | 887 |
| Net loans and leases to total assets | 19.4470% | 6,676 |
| Net loans and leases to deposits | 21.4408% | 6,692 |
| Net loans and leases to core deposits | 23.4881% | 6,679 |
| Total domestic deposits to total assets | 90.7007% | 699 |
| Equity capital to assets | 9.1600% | 4,853 |
| Core capital (leverage) ratio | 9.0925% | 4,868 |
| Tier 1 risk-based capital ratio | 27.4442% | 644 |
| Total risk-based capital ratio | 28.5312% | 643 |
| Memoranda: | ||
| Average total assets | $52,576,800 | 5,953 |
| Average earning assets | $47,709,600 | 5,942 |
| Average equity | $4,769,600 | 6,124 |
| Average total loans | $10,015,200 | 6,589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9749% | 6,441 |
| Cost of funding earning assets | 0.3884% | 4,914 |
| Net interest margin | 2.5865% | 6,333 |
| Noninterest income to average assets | 0.3224% | 5,106 |
| Noninterest expense to average assets | 2.0496% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5611% | 4,523 |
| Return on assets (ROA) | 0.6848% | 4,073 |
| Pretax return on assets | 0.7573% | 4,468 |
| Return on Equity (ROE) | 7.5663% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.5663% | 1,610 |
| Net charge-offs to loans | 0.0265% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 123.8427% | 422 |
| Efficiency ratio | 76.7790% | 2,600 |
| Assets per employee ($millions) | 4.2981% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 2,198 |
| Loan loss allowance to noncurrent loans | 42.4379% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 3,795 |
| Noncurrent loans to loans | 4.3194% | 778 |
| Net loans and leases to total assets | 21.2949% | 6,731 |
| Net loans and leases to deposits | 23.6883% | 6,754 |
| Net loans and leases to core deposits | 26.2310% | 6,738 |
| Total domestic deposits to total assets | 89.8961% | 1,060 |
| Equity capital to assets | 9.9304% | 4,008 |
| Core capital (leverage) ratio | 10.0590% | 3,585 |
| Tier 1 risk-based capital ratio | 28.0150% | 633 |
| Total risk-based capital ratio | 29.0982% | 633 |
| Memoranda: | ||
| Average total assets | $53,343,750 | 5,997 |
| Average earning assets | $48,404,000 | 5,998 |
| Average equity | $4,828,250 | 6,184 |
| Average total loans | $10,064,750 | 6,656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 6,585 |
| Cost of funding earning assets | 0.4010% | 4,937 |
| Net interest margin | 2.4378% | 6,516 |
| Noninterest income to average assets | 0.3071% | 5,251 |
| Noninterest expense to average assets | 2.0085% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4730% | 4,914 |
| Return on assets (ROA) | 0.6538% | 4,208 |
| Pretax return on assets | 0.7152% | 4,637 |
| Return on Equity (ROE) | 7.4292% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.4292% | 1,698 |
| Net charge-offs to loans | 0.0800% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,014 |
| Efficiency ratio | 79.5422% | 2,219 |
| Assets per employee ($millions) | 4.0971% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 2,248 |
| Loan loss allowance to noncurrent loans | 39.6588% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 3,876 |
| Noncurrent loans to loans | 4.6764% | 728 |
| Net loans and leases to total assets | 20.0203% | 6,791 |
| Net loans and leases to deposits | 22.1779% | 6,818 |
| Net loans and leases to core deposits | 25.1251% | 6,795 |
| Total domestic deposits to total assets | 90.2715% | 877 |
| Equity capital to assets | 9.5454% | 4,525 |
| Core capital (leverage) ratio | 9.3539% | 4,463 |
| Tier 1 risk-based capital ratio | 27.5108% | 661 |
| Total risk-based capital ratio | 28.5838% | 657 |
| Memoranda: | ||
| Average total assets | $55,365,330 | 5,985 |
| Average earning assets | $50,372,330 | 5,981 |
| Average equity | $4,872,670 | 6,219 |
| Average total loans | $10,001,000 | 6,709 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7060% | 6,730 |
| Cost of funding earning assets | 0.4285% | 4,832 |
| Net interest margin | 2.2776% | 6,699 |
| Noninterest income to average assets | 0.3079% | 5,223 |
| Noninterest expense to average assets | 1.9704% | 6,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3629% | 5,293 |
| Return on assets (ROA) | 0.6978% | 3,837 |
| Pretax return on assets | 0.7868% | 4,224 |
| Return on Equity (ROE) | 8.2217% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.2217% | 1,679 |
| Net charge-offs to loans | -0.1602% | 6,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7586% | 1,922 |
| Assets per employee ($millions) | 4.6725% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 2,015 |
| Loan loss allowance to noncurrent loans | 194.0000% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 5,987 |
| Noncurrent loans to loans | 1.0362% | 4,066 |
| Net loans and leases to total assets | 18.3995% | 6,884 |
| Net loans and leases to deposits | 20.4879% | 6,901 |
| Net loans and leases to core deposits | 22.8795% | 6,883 |
| Total domestic deposits to total assets | 89.8070% | 1,160 |
| Equity capital to assets | 9.7124% | 4,546 |
| Core capital (leverage) ratio | 8.7394% | 5,273 |
| Tier 1 risk-based capital ratio | 27.0364% | 703 |
| Total risk-based capital ratio | 28.1547% | 705 |
| Memoranda: | ||
| Average total assets | $58,465,500 | 5,949 |
| Average earning assets | $53,214,500 | 5,932 |
| Average equity | $4,962,500 | 6,258 |
| Average total loans | $9,987,000 | 6,771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 6,291 |
| Cost of funding earning assets | 0.4898% | 5,291 |
| Net interest margin | 3.0646% | 5,899 |
| Noninterest income to average assets | 0.4028% | 4,587 |
| Noninterest expense to average assets | 2.1450% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8353% | 3,115 |
| Return on assets (ROA) | 0.8617% | 3,233 |
| Pretax return on assets | 1.0175% | 3,483 |
| Return on Equity (ROE) | 8.4199% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.2810% | 3,209 |
| Net charge-offs to loans | -0.2084% | 6,940 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5013% | 4,058 |
| Assets per employee ($millions) | 5.9575% | 1,309 |
| Cash dividends to net income (ytd only)* | 49.1566% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 2,463 |
| Loan loss allowance to noncurrent loans | 148.4375% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 6,073 |
| Noncurrent loans to loans | 1.2399% | 3,773 |
| Net loans and leases to total assets | 15.4624% | 6,977 |
| Net loans and leases to deposits | 16.8138% | 6,994 |
| Net loans and leases to core deposits | 18.4801% | 6,982 |
| Total domestic deposits to total assets | 91.9628% | 249 |
| Equity capital to assets | 7.5275% | 6,622 |
| Core capital (leverage) ratio | 9.4448% | 4,188 |
| Tier 1 risk-based capital ratio | 22.4407% | 1,189 |
| Total risk-based capital ratio | 23.3700% | 1,212 |
| Memoranda: | ||
| Average total assets | $48,158,600 | 6,259 |
| Average earning assets | $42,877,000 | 6,277 |
| Average equity | $4,928,800 | 6,311 |
| Average total loans | $10,556,600 | 6,828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 5,686 |
| Cost of funding earning assets | 0.5358% | 5,208 |
| Net interest margin | 3.4036% | 5,023 |
| Noninterest income to average assets | 0.4565% | 4,235 |
| Noninterest expense to average assets | 2.2975% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9739% | 2,638 |
| Return on assets (ROA) | 1.0042% | 2,710 |
| Pretax return on assets | 1.2111% | 2,952 |
| Return on Equity (ROE) | 8.9288% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.9288% | 1,257 |
| Net charge-offs to loans | -0.2889% | 7,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1700% | 4,418 |
| Assets per employee ($millions) | 4.3700% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 3,032 |
| Loan loss allowance to noncurrent loans | 90.0943% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 5,458 |
| Noncurrent loans to loans | 1.9236% | 2,934 |
| Net loans and leases to total assets | 24.7826% | 6,950 |
| Net loans and leases to deposits | 28.3122% | 6,979 |
| Net loans and leases to core deposits | 31.9121% | 6,937 |
| Total domestic deposits to total assets | 87.5332% | 2,330 |
| Equity capital to assets | 11.7803% | 2,451 |
| Core capital (leverage) ratio | 10.7539% | 2,651 |
| Tier 1 risk-based capital ratio | 28.3965% | 619 |
| Total risk-based capital ratio | 29.5487% | 615 |
| Memoranda: | ||
| Average total assets | $43,815,000 | 6,453 |
| Average earning assets | $38,821,000 | 6,477 |
| Average equity | $4,927,750 | 6,381 |
| Average total loans | $10,615,000 | 6,917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 6,003 |
| Cost of funding earning assets | 0.5343% | 5,409 |
| Net interest margin | 3.3282% | 5,353 |
| Noninterest income to average assets | 0.4150% | 4,545 |
| Noninterest expense to average assets | 2.2986% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9169% | 2,822 |
| Return on assets (ROA) | 0.9623% | 2,856 |
| Pretax return on assets | 1.1538% | 3,104 |
| Return on Equity (ROE) | 8.6933% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.6933% | 1,379 |
| Net charge-offs to loans | -0.1527% | 6,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6510% | 4,197 |
| Assets per employee ($millions) | 4.3260% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 3,597 |
| Loan loss allowance to noncurrent loans | 87.5622% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 5,609 |
| Noncurrent loans to loans | 1.8301% | 3,177 |
| Net loans and leases to total assets | 24.9815% | 7,009 |
| Net loans and leases to deposits | 28.4769% | 7,035 |
| Net loans and leases to core deposits | 31.6531% | 6,995 |
| Total domestic deposits to total assets | 87.7254% | 2,319 |
| Equity capital to assets | 11.6181% | 2,471 |
| Core capital (leverage) ratio | 10.6157% | 2,697 |
| Tier 1 risk-based capital ratio | 27.8649% | 648 |
| Total risk-based capital ratio | 28.9343% | 655 |
| Memoranda: | ||
| Average total assets | $43,853,330 | 6,495 |
| Average earning assets | $39,300,330 | 6,501 |
| Average equity | $4,854,330 | 6,432 |
| Average total loans | $10,479,670 | 6,981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 6,346 |
| Cost of funding earning assets | 0.5289% | 5,616 |
| Net interest margin | 3.2232% | 5,725 |
| Noninterest income to average assets | 0.4168% | 4,544 |
| Noninterest expense to average assets | 2.3737% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8426% | 3,190 |
| Return on assets (ROA) | 0.8426% | 3,428 |
| Pretax return on assets | 0.9694% | 3,794 |
| Return on Equity (ROE) | 7.8012% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.8012% | 2,051 |
| Net charge-offs to loans | -0.1955% | 6,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0027% | 3,621 |
| Assets per employee ($millions) | 4.6286% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 3,044 |
| Loan loss allowance to noncurrent loans | 83.1731% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,736 |
| Noncurrent loans to loans | 2.1457% | 2,973 |
| Net loans and leases to total assets | 20.5699% | 7,134 |
| Net loans and leases to deposits | 23.0762% | 7,153 |
| Net loans and leases to core deposits | 25.6728% | 7,137 |
| Total domestic deposits to total assets | 89.1393% | 1,613 |
| Equity capital to assets | 10.3422% | 3,682 |
| Core capital (leverage) ratio | 10.1883% | 3,126 |
| Tier 1 risk-based capital ratio | 27.2135% | 711 |
| Total risk-based capital ratio | 28.2670% | 716 |
| Memoranda: | ||
| Average total assets | $44,150,000 | 6,533 |
| Average earning assets | $40,084,000 | 6,518 |
| Average equity | $4,768,500 | 6,490 |
| Average total loans | $10,228,000 | 7,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 6,226 |
| Cost of funding earning assets | 0.6496% | 5,827 |
| Net interest margin | 3.4769% | 5,229 |
| Noninterest income to average assets | 0.3433% | 5,068 |
| Noninterest expense to average assets | 2.4077% | 5,753 |
| Loan and lease loss provision to assets | 0.0556% | 5,903 |
| Net operating income to assets | 0.8644% | 2,756 |
| Return on assets (ROA) | 0.9283% | 2,610 |
| Pretax return on assets | 1.1555% | 2,628 |
| Return on Equity (ROE) | 8.3912% | 2,720 |
| Retained earnings to average equity (ytd only) | 4.2175% | 3,185 |
| Net charge-offs to loans | 0.5198% | 2,914 |
| Credit loss provision to net charge-offs | 36.5079% | 5,687 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,339 |
| Efficiency ratio | 68.0328% | 4,349 |
| Assets per employee ($millions) | 3.8195% | 4,270 |
| Cash dividends to net income (ytd only)* | 49.7396% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 3,747 |
| Loan loss allowance to noncurrent loans | 107.0064% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 6,043 |
| Noncurrent loans to loans | 1.4588% | 3,973 |
| Net loans and leases to total assets | 25.2154% | 7,136 |
| Net loans and leases to deposits | 28.6440% | 7,161 |
| Net loans and leases to core deposits | 31.7214% | 7,122 |
| Total domestic deposits to total assets | 88.0302% | 2,135 |
| Equity capital to assets | 11.3058% | 2,686 |
| Core capital (leverage) ratio | 10.2243% | 3,060 |
| Tier 1 risk-based capital ratio | 27.3962% | 674 |
| Total risk-based capital ratio | 28.4480% | 669 |
| Memoranda: | ||
| Average total assets | $41,368,000 | 6,618 |
| Average earning assets | $38,022,800 | 6,604 |
| Average equity | $4,576,200 | 6,565 |
| Average total loans | $12,119,000 | 7,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 6,259 |
| Cost of funding earning assets | 0.6856% | 5,849 |
| Net interest margin | 3.4908% | 5,227 |
| Noninterest income to average assets | 0.3495% | 5,060 |
| Noninterest expense to average assets | 2.3685% | 5,854 |
| Loan and lease loss provision to assets | 0.0323% | 6,037 |
| Net operating income to assets | 0.9230% | 2,659 |
| Return on assets (ROA) | 1.0063% | 2,449 |
| Pretax return on assets | 1.2846% | 2,343 |
| Return on Equity (ROE) | 9.1481% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.1481% | 1,091 |
| Net charge-offs to loans | 0.2783% | 3,690 |
| Credit loss provision to net charge-offs | 38.4615% | 5,280 |
| Earnings coverage of net charge-offs (x) | 14.3828% | 1,536 |
| Efficiency ratio | 66.1844% | 4,685 |
| Assets per employee ($millions) | 3.8225% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,874 |
| Loan loss allowance to noncurrent loans | 109.7143% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 6,039 |
| Noncurrent loans to loans | 1.4155% | 4,170 |
| Net loans and leases to total assets | 28.9455% | 7,120 |
| Net loans and leases to deposits | 33.0608% | 7,155 |
| Net loans and leases to core deposits | 36.4630% | 7,107 |
| Total domestic deposits to total assets | 87.5523% | 2,325 |
| Equity capital to assets | 11.7295% | 2,466 |
| Core capital (leverage) ratio | 11.1530% | 2,280 |
| Tier 1 risk-based capital ratio | 26.1355% | 822 |
| Total risk-based capital ratio | 27.2521% | 816 |
| Memoranda: | ||
| Average total assets | $41,206,500 | 6,684 |
| Average earning assets | $38,118,000 | 6,657 |
| Average equity | $4,532,750 | 6,628 |
| Average total loans | $12,458,250 | 7,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 6,138 |
| Cost of funding earning assets | 0.7009% | 5,954 |
| Net interest margin | 3.5570% | 4,898 |
| Noninterest income to average assets | 0.3372% | 5,189 |
| Noninterest expense to average assets | 2.5021% | 5,527 |
| Loan and lease loss provision to assets | 0.0489% | 5,702 |
| Net operating income to assets | 0.8597% | 2,819 |
| Return on assets (ROA) | 0.9871% | 2,378 |
| Pretax return on assets | 1.2462% | 2,320 |
| Return on Equity (ROE) | 9.1825% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.1825% | 1,052 |
| Net charge-offs to loans | 0.3843% | 3,025 |
| Credit loss provision to net charge-offs | 41.6667% | 4,783 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,892 |
| Efficiency ratio | 68.8172% | 4,364 |
| Assets per employee ($millions) | 3.5317% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,793 |
| Loan loss allowance to noncurrent loans | 126.7974% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,153 |
| Noncurrent loans to loans | 1.2442% | 4,582 |
| Net loans and leases to total assets | 31.1540% | 7,139 |
| Net loans and leases to deposits | 35.6379% | 7,178 |
| Net loans and leases to core deposits | 36.8141% | 7,200 |
| Total domestic deposits to total assets | 87.4180% | 2,509 |
| Equity capital to assets | 11.9746% | 2,108 |
| Core capital (leverage) ratio | 10.7623% | 2,460 |
| Tier 1 risk-based capital ratio | 26.2402% | 794 |
| Total risk-based capital ratio | 27.4011% | 782 |
| Memoranda: | ||
| Average total assets | $40,926,000 | 6,755 |
| Average earning assets | $37,953,330 | 6,720 |
| Average equity | $4,399,670 | 6,714 |
| Average total loans | $12,490,000 | 7,146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 6,229 |
| Cost of funding earning assets | 0.7192% | 6,030 |
| Net interest margin | 3.5034% | 4,996 |
| Noninterest income to average assets | 0.3431% | 5,173 |
| Noninterest expense to average assets | 2.4783% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9055% | 2,535 |
| Return on assets (ROA) | 0.9055% | 2,598 |
| Pretax return on assets | 1.1152% | 2,698 |
| Return on Equity (ROE) | 8.8920% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.8920% | 1,411 |
| Net charge-offs to loans | 0.8263% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,465 |
| Efficiency ratio | 68.9655% | 4,486 |
| Assets per employee ($millions) | 4.2129% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 4,161 |
| Loan loss allowance to noncurrent loans | 57.2327% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 5,412 |
| Noncurrent loans to loans | 2.6379% | 2,860 |
| Net loans and leases to total assets | 28.1825% | 7,289 |
| Net loans and leases to deposits | 31.5260% | 7,332 |
| Net loans and leases to core deposits | 35.3079% | 7,280 |
| Total domestic deposits to total assets | 89.3945% | 1,536 |
| Equity capital to assets | 10.2376% | 3,488 |
| Core capital (leverage) ratio | 9.8973% | 3,273 |
| Tier 1 risk-based capital ratio | 24.2215% | 952 |
| Total risk-based capital ratio | 25.2520% | 954 |
| Memoranda: | ||
| Average total assets | $41,964,500 | 6,762 |
| Average earning assets | $38,933,500 | 6,723 |
| Average equity | $4,273,500 | 6,787 |
| Average total loans | $12,586,500 | 7,195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 6,965 |
| Cost of funding earning assets | 1.0034% | 5,670 |
| Net interest margin | 3.1701% | 6,338 |
| Noninterest income to average assets | 0.4625% | 4,425 |
| Noninterest expense to average assets | 2.3989% | 6,090 |
| Loan and lease loss provision to assets | 0.0120% | 6,974 |
| Net operating income to assets | 0.8058% | 2,775 |
| Return on assets (ROA) | 0.8388% | 2,774 |
| Pretax return on assets | 1.0377% | 2,821 |
| Return on Equity (ROE) | 8.0231% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.0345% | 3,034 |
| Net charge-offs to loans | 0.1397% | 5,526 |
| Credit loss provision to net charge-offs | 29.4118% | 6,495 |
| Earnings coverage of net charge-offs (x) | 24.7647% | 854 |
| Efficiency ratio | 70.3938% | 4,091 |
| Assets per employee ($millions) | 4.1800% | 3,423 |
| Cash dividends to net income (ytd only)* | 49.7143% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,637 |
| Loan loss allowance to noncurrent loans | 61.9048% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 5,398 |
| Noncurrent loans to loans | 2.5614% | 2,969 |
| Net loans and leases to total assets | 30.8852% | 7,323 |
| Net loans and leases to deposits | 34.5612% | 7,381 |
| Net loans and leases to core deposits | 38.9371% | 7,325 |
| Total domestic deposits to total assets | 89.3636% | 1,456 |
| Equity capital to assets | 10.1292% | 3,584 |
| Core capital (leverage) ratio | 9.3749% | 3,890 |
| Tier 1 risk-based capital ratio | 22.6844% | 1,080 |
| Total risk-based capital ratio | 23.8124% | 1,081 |
| Memoranda: | ||
| Average total assets | $41,728,200 | 6,806 |
| Average earning assets | $38,768,600 | 6,771 |
| Average equity | $4,362,400 | 6,866 |
| Average total loans | $12,168,400 | 7,294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 7,182 |
| Cost of funding earning assets | 1.0574% | 5,664 |
| Net interest margin | 3.0620% | 6,704 |
| Noninterest income to average assets | 0.4443% | 4,603 |
| Noninterest expense to average assets | 2.4102% | 6,001 |
| Loan and lease loss provision to assets | 0.0160% | 6,883 |
| Net operating income to assets | 0.7338% | 3,264 |
| Return on assets (ROA) | 0.7800% | 3,249 |
| Pretax return on assets | 0.9142% | 3,511 |
| Return on Equity (ROE) | 7.4031% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.4031% | 1,641 |
| Net charge-offs to loans | 0.2012% | 4,735 |
| Credit loss provision to net charge-offs | 27.7778% | 6,178 |
| Earnings coverage of net charge-offs (x) | 15.2217% | 1,453 |
| Efficiency ratio | 73.3463% | 3,453 |
| Assets per employee ($millions) | 4.3723% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,974 |
| Loan loss allowance to noncurrent loans | 63.3028% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 5,514 |
| Noncurrent loans to loans | 2.3663% | 3,273 |
| Net loans and leases to total assets | 31.1324% | 7,438 |
| Net loans and leases to deposits | 35.0445% | 7,491 |
| Net loans and leases to core deposits | 39.4814% | 7,436 |
| Total domestic deposits to total assets | 88.8365% | 1,488 |
| Equity capital to assets | 10.4956% | 3,524 |
| Core capital (leverage) ratio | 10.7951% | 2,418 |
| Tier 1 risk-based capital ratio | 22.0797% | 1,196 |
| Total risk-based capital ratio | 23.1548% | 1,194 |
| Memoranda: | ||
| Average total assets | $41,710,250 | 6,893 |
| Average earning assets | $38,710,250 | 6,848 |
| Average equity | $4,394,500 | 6,944 |
| Average total loans | $11,931,000 | 7,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 7,282 |
| Cost of funding earning assets | 1.1308% | 5,516 |
| Net interest margin | 2.9736% | 6,887 |
| Noninterest income to average assets | 0.4289% | 4,684 |
| Noninterest expense to average assets | 2.5098% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5786% | 3,959 |
| Return on assets (ROA) | 0.6482% | 3,788 |
| Pretax return on assets | 0.7700% | 3,986 |
| Return on Equity (ROE) | 6.1437% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.1437% | 2,253 |
| Net charge-offs to loans | 0.1947% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 12.8182% | 1,645 |
| Efficiency ratio | 78.5061% | 2,651 |
| Assets per employee ($millions) | 4.0762% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 3,140 |
| Loan loss allowance to noncurrent loans | 62.5749% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 5,388 |
| Noncurrent loans to loans | 2.6894% | 2,961 |
| Net loans and leases to total assets | 29.9544% | 7,539 |
| Net loans and leases to deposits | 33.8997% | 7,580 |
| Net loans and leases to core deposits | 38.0078% | 7,532 |
| Total domestic deposits to total assets | 88.3617% | 1,799 |
| Equity capital to assets | 10.9759% | 2,890 |
| Core capital (leverage) ratio | 10.4130% | 2,699 |
| Tier 1 risk-based capital ratio | 23.6883% | 978 |
| Total risk-based capital ratio | 24.8841% | 964 |
| Memoranda: | ||
| Average total assets | $41,039,330 | 6,959 |
| Average earning assets | $38,203,330 | 6,920 |
| Average equity | $4,329,670 | 7,001 |
| Average total loans | $11,301,670 | 7,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 7,440 |
| Cost of funding earning assets | 1.2245% | 5,259 |
| Net interest margin | 2.7943% | 7,186 |
| Noninterest income to average assets | 0.4274% | 4,683 |
| Noninterest expense to average assets | 2.5450% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4468% | 4,629 |
| Return on assets (ROA) | 0.4468% | 4,759 |
| Pretax return on assets | 0.4760% | 5,043 |
| Return on Equity (ROE) | 4.3218% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.3218% | 3,558 |
| Net charge-offs to loans | 0.1862% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,805 |
| Efficiency ratio | 84.2444% | 2,001 |
| Assets per employee ($millions) | 4.5769% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 2,192 |
| Loan loss allowance to noncurrent loans | 78.1818% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 5,702 |
| Noncurrent loans to loans | 2.5562% | 3,118 |
| Net loans and leases to total assets | 25.5948% | 7,711 |
| Net loans and leases to deposits | 28.7236% | 7,746 |
| Net loans and leases to core deposits | 33.3946% | 7,695 |
| Total domestic deposits to total assets | 89.1071% | 1,468 |
| Equity capital to assets | 10.3977% | 3,344 |
| Core capital (leverage) ratio | 9.6922% | 3,527 |
| Tier 1 risk-based capital ratio | 25.0077% | 863 |
| Total risk-based capital ratio | 26.2603% | 839 |
| Memoranda: | ||
| Average total assets | $41,178,000 | 7,049 |
| Average earning assets | $38,221,000 | 7,013 |
| Average equity | $4,257,500 | 7,093 |
| Average total loans | $10,743,000 | 7,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 7,083 |
| Cost of funding earning assets | 1.3758% | 6,031 |
| Net interest margin | 3.3580% | 5,530 |
| Noninterest income to average assets | 0.3840% | 5,344 |
| Noninterest expense to average assets | 2.6049% | 5,787 |
| Loan and lease loss provision to assets | 0.0441% | 7,116 |
| Net operating income to assets | 0.7109% | 2,891 |
| Return on assets (ROA) | 0.7109% | 2,954 |
| Pretax return on assets | 0.8821% | 2,979 |
| Return on Equity (ROE) | 6.5015% | 2,992 |
| Retained earnings to average equity (ytd only) | 3.2982% | 2,861 |
| Net charge-offs to loans | 0.1230% | 5,953 |
| Credit loss provision to net charge-offs | 121.4286% | 4,380 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 873 |
| Efficiency ratio | 73.7693% | 3,946 |
| Assets per employee ($millions) | 4.5738% | 2,802 |
| Cash dividends to net income (ytd only)* | 49.2701% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 1,914 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 5,752 |
| Noncurrent loans to loans | 2.6100% | 2,945 |
| Net loans and leases to total assets | 25.5272% | 7,789 |
| Net loans and leases to deposits | 28.6236% | 7,827 |
| Net loans and leases to core deposits | 37.2202% | 7,799 |
| Total domestic deposits to total assets | 89.1823% | 1,397 |
| Equity capital to assets | 10.2808% | 3,421 |
| Core capital (leverage) ratio | 10.2074% | 2,876 |
| Tier 1 risk-based capital ratio | 23.6708% | 977 |
| Total risk-based capital ratio | 24.9232% | 959 |
| Memoranda: | ||
| Average total assets | $38,543,200 | 7,148 |
| Average earning assets | $36,123,200 | 7,098 |
| Average equity | $4,214,400 | 7,204 |
| Average total loans | $11,382,600 | 7,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 6,938 |
| Cost of funding earning assets | 1.4085% | 6,197 |
| Net interest margin | 3.4692% | 4,995 |
| Noninterest income to average assets | 0.3906% | 5,375 |
| Noninterest expense to average assets | 2.7237% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7460% | 3,040 |
| Return on assets (ROA) | 0.7460% | 3,095 |
| Pretax return on assets | 0.9431% | 3,084 |
| Return on Equity (ROE) | 6.7140% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.7140% | 1,626 |
| Net charge-offs to loans | -0.0346% | 7,818 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2802% | 3,824 |
| Assets per employee ($millions) | 3.8690% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,237 |
| Loan loss allowance to noncurrent loans | 255.8140% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 6,294 |
| Noncurrent loans to loans | 0.7083% | 5,885 |
| Net loans and leases to total assets | 34.2380% | 7,683 |
| Net loans and leases to deposits | 39.4285% | 7,746 |
| Net loans and leases to core deposits | 54.3416% | 7,587 |
| Total domestic deposits to total assets | 86.8355% | 2,265 |
| Equity capital to assets | 12.5126% | 1,945 |
| Core capital (leverage) ratio | 11.4764% | 2,088 |
| Tier 1 risk-based capital ratio | 25.7541% | 836 |
| Total risk-based capital ratio | 27.0037% | 817 |
| Memoranda: | ||
| Average total assets | $37,888,000 | 7,238 |
| Average earning assets | $35,781,000 | 7,168 |
| Average equity | $4,210,000 | 7,279 |
| Average total loans | $11,546,250 | 7,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 7,268 |
| Cost of funding earning assets | 1.4269% | 6,391 |
| Net interest margin | 3.3475% | 5,376 |
| Noninterest income to average assets | 0.4061% | 5,232 |
| Noninterest expense to average assets | 2.4518% | 6,291 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8584% | 2,619 |
| Return on assets (ROA) | 0.8584% | 2,720 |
| Pretax return on assets | 1.1257% | 2,548 |
| Return on Equity (ROE) | 8.0269% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.0269% | 1,196 |
| Net charge-offs to loans | -0.0705% | 7,901 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5345% | 5,060 |
| Assets per employee ($millions) | 3.6725% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 1,807 |
| Loan loss allowance to noncurrent loans | 272.8395% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 6,099 |
| Noncurrent loans to loans | 0.6947% | 5,860 |
| Net loans and leases to total assets | 31.1450% | 7,864 |
| Net loans and leases to deposits | 35.4744% | 7,910 |
| Net loans and leases to core deposits | 48.2718% | 7,795 |
| Total domestic deposits to total assets | 87.7958% | 1,872 |
| Equity capital to assets | 11.5480% | 2,509 |
| Core capital (leverage) ratio | 10.7747% | 2,590 |
| Tier 1 risk-based capital ratio | 25.6044% | 888 |
| Total risk-based capital ratio | 26.7212% | 884 |
| Memoranda: | ||
| Average total assets | $38,910,330 | 7,261 |
| Average earning assets | $36,863,000 | 7,179 |
| Average equity | $4,161,000 | 7,355 |
| Average total loans | $11,347,670 | 7,792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 7,562 |
| Cost of funding earning assets | 1.4266% | 6,643 |
| Net interest margin | 3.2337% | 5,744 |
| Noninterest income to average assets | 0.4200% | 5,054 |
| Noninterest expense to average assets | 2.4798% | 5,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7799% | 3,214 |
| Return on assets (ROA) | 0.7799% | 3,379 |
| Pretax return on assets | 0.9999% | 3,343 |
| Return on Equity (ROE) | 7.5710% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5710% | 1,994 |
| Net charge-offs to loans | -0.2144% | 8,020 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2644% | 4,315 |
| Assets per employee ($millions) | 3.9358% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 1,436 |
| Loan loss allowance to noncurrent loans | 518.6047% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 6,283 |
| Noncurrent loans to loans | 0.3845% | 6,455 |
| Net loans and leases to total assets | 27.8495% | 7,966 |
| Net loans and leases to deposits | 31.3952% | 8,019 |
| Net loans and leases to core deposits | 41.4373% | 7,954 |
| Total domestic deposits to total assets | 88.7062% | 1,379 |
| Equity capital to assets | 10.6332% | 3,344 |
| Core capital (leverage) ratio | 10.2597% | 3,146 |
| Tier 1 risk-based capital ratio | 24.9447% | 988 |
| Total risk-based capital ratio | 26.1960% | 960 |
| Memoranda: | ||
| Average total assets | $40,003,000 | 7,250 |
| Average earning assets | $37,851,000 | 7,180 |
| Average equity | $4,121,000 | 7,408 |
| Average total loans | $11,192,000 | 7,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 6,937 |
| Cost of funding earning assets | 1.9827% | 6,465 |
| Net interest margin | 3.6654% | 4,619 |
| Noninterest income to average assets | 0.4110% | 5,385 |
| Noninterest expense to average assets | 2.4994% | 6,008 |
| Loan and lease loss provision to assets | 0.2472% | 4,443 |
| Net operating income to assets | 0.8137% | 3,375 |
| Return on assets (ROA) | 0.8137% | 3,213 |
| Pretax return on assets | 1.0581% | 3,190 |
| Return on Equity (ROE) | 7.5055% | 3,280 |
| Retained earnings to average equity (ytd only) | 3.7912% | 2,774 |
| Net charge-offs to loans | 0.3470% | 3,098 |
| Credit loss provision to net charge-offs | 217.0732% | 2,214 |
| Earnings coverage of net charge-offs (x) | 11.4634% | 2,368 |
| Efficiency ratio | 65.6934% | 5,190 |
| Assets per employee ($millions) | 4.0648% | 3,383 |
| Cash dividends to net income (ytd only)* | 49.4881% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 6,453 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.0198% | 8,053 |
| Net loans and leases to deposits | 30.1573% | 8,112 |
| Net loans and leases to core deposits | 38.5829% | 8,073 |
| Total domestic deposits to total assets | 89.5960% | 810 |
| Equity capital to assets | 9.9808% | 4,061 |
| Core capital (leverage) ratio | 9.9573% | 3,483 |
| Tier 1 risk-based capital ratio | 24.0206% | 1,086 |
| Total risk-based capital ratio | 25.2747% | 1,061 |
| Memoranda: | ||
| Average total assets | $36,008,000 | 7,383 |
| Average earning assets | $33,339,200 | 7,359 |
| Average equity | $3,903,800 | 7,550 |
| Average total loans | $11,816,600 | 7,841 |