| 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 | 0.6540% | 6,156 |
| Cost of funding earning assets | 0.0401% | 6,118 |
| Net interest margin | 0.6139% | 6,155 |
| Noninterest income to average assets | 0.0213% | 6,064 |
| Noninterest expense to average assets | 0.3364% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1510% | 5,676 |
| Return on assets (ROA) | 0.1510% | 5,726 |
| Pretax return on assets | 0.2625% | 5,594 |
| Return on Equity (ROE) | 1.6735% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.6735% | 4,772 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7945% | 5,464 |
| Assets per employee ($millions) | 5.7502% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 5,167 |
| Noncurrent loans to loans | 0.1785% | 4,778 |
| Net loans and leases to total assets | 60.2352% | 3,801 |
| Net loans and leases to deposits | 74.4053% | 3,448 |
| Net loans and leases to core deposits | 75.8919% | 3,766 |
| Total domestic deposits to total assets | 80.9555% | 4,499 |
| Equity capital to assets | 9.3167% | 4,770 |
| Core capital (leverage) ratio | 9.7458% | 3,839 |
| Tier 1 risk-based capital ratio | 15.6868% | 2,840 |
| Total risk-based capital ratio | 15.6868% | 3,384 |
| Memoranda: |
| Average total assets | $60,945,000 | 5,298 |
| Average earning assets | $57,342,400 | 5,256 |
| Average equity | $5,497,400 | 5,539 |
| Average total loans | $37,097,400 | 5,117 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3532% | 2,064 |
| Cost of funding earning assets | 0.2754% | 4,604 |
| Net interest margin | 4.0778% | 1,469 |
| Noninterest income to average assets | 0.2142% | 5,370 |
| Noninterest expense to average assets | 2.4184% | 4,461 |
| Loan and lease loss provision to assets | 0.0552% | 3,093 |
| Net operating income to assets | 1.0314% | 2,322 |
| Return on assets (ROA) | 1.0314% | 2,412 |
| Pretax return on assets | 1.5990% | 1,382 |
| Return on Equity (ROE) | 11.5338% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.5338% | 412 |
| Net charge-offs to loans | -0.1122% | 5,827 |
| Credit loss provision to net charge-offs | -80.6452% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0260% | 5,117 |
| Assets per employee ($millions) | 4.5907% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4434% | 2,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.3264% | 3,688 |
| Net loans and leases to deposits | 81.5141% | 2,704 |
| Net loans and leases to core deposits | 83.3766% | 3,114 |
| Total domestic deposits to total assets | 75.2342% | 5,602 |
| Equity capital to assets | 9.5477% | 4,694 |
| Core capital (leverage) ratio | 9.9613% | 3,689 |
| Tier 1 risk-based capital ratio | 16.0046% | 2,791 |
| Total risk-based capital ratio | 17.2560% | 2,739 |
| Memoranda: |
| Average total assets | $60,368,250 | 5,381 |
| Average earning assets | $57,120,750 | 5,333 |
| Average equity | $5,398,500 | 5,629 |
| Average total loans | $36,846,750 | 5,183 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3711% | 1,943 |
| Cost of funding earning assets | 0.2763% | 4,653 |
| Net interest margin | 4.0949% | 1,367 |
| Noninterest income to average assets | 0.1782% | 5,631 |
| Noninterest expense to average assets | 2.4126% | 4,505 |
| Loan and lease loss provision to assets | 0.0825% | 2,463 |
| Net operating income to assets | 1.0066% | 2,357 |
| Return on assets (ROA) | 1.0066% | 2,464 |
| Pretax return on assets | 1.5479% | 1,496 |
| Return on Equity (ROE) | 11.5123% | 1,521 |
| Retained earnings to average equity (ytd only) | 11.5123% | 441 |
| Net charge-offs to loans | -0.1687% | 5,971 |
| Credit loss provision to net charge-offs | -80.6452% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2857% | 5,187 |
| Assets per employee ($millions) | 4.5463% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4655% | 2,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.8643% | 3,708 |
| Net loans and leases to deposits | 74.7812% | 3,402 |
| Net loans and leases to core deposits | 76.3688% | 3,726 |
| Total domestic deposits to total assets | 81.3898% | 4,489 |
| Equity capital to assets | 9.0217% | 5,215 |
| Core capital (leverage) ratio | 9.5651% | 4,185 |
| Tier 1 risk-based capital ratio | 16.0010% | 2,862 |
| Total risk-based capital ratio | 17.2540% | 2,816 |
| Memoranda: |
| Average total assets | $60,598,000 | 5,431 |
| Average earning assets | $57,193,330 | 5,391 |
| Average equity | $5,298,670 | 5,706 |
| Average total loans | $36,750,670 | 5,233 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3806% | 1,836 |
| Cost of funding earning assets | 0.2773% | 4,700 |
| Net interest margin | 4.1034% | 1,265 |
| Noninterest income to average assets | 0.1434% | 5,891 |
| Noninterest expense to average assets | 2.5234% | 4,193 |
| Loan and lease loss provision to assets | 0.1239% | 1,679 |
| Net operating income to assets | 0.8868% | 2,812 |
| Return on assets (ROA) | 0.8868% | 2,937 |
| Pretax return on assets | 1.3562% | 2,046 |
| Return on Equity (ROE) | 10.2991% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.2991% | 853 |
| Net charge-offs to loans | -0.3037% | 6,146 |
| Credit loss provision to net charge-offs | -67.8571% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7264% | 4,839 |
| Assets per employee ($millions) | 4.3615% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4239% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.7501% | 3,689 |
| Net loans and leases to deposits | 70.9378% | 3,647 |
| Net loans and leases to core deposits | 72.3444% | 3,930 |
| Total domestic deposits to total assets | 84.2289% | 3,722 |
| Equity capital to assets | 9.0221% | 5,260 |
| Core capital (leverage) ratio | 9.2320% | 4,672 |
| Tier 1 risk-based capital ratio | 15.1538% | 3,349 |
| Total risk-based capital ratio | 16.4058% | 3,270 |
| Memoranda: |
| Average total assets | $61,346,000 | 5,469 |
| Average earning assets | $57,708,500 | 5,430 |
| Average equity | $5,282,000 | 5,762 |
| Average total loans | $36,872,500 | 5,255 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3407% | 2,459 |
| Cost of funding earning assets | 0.2707% | 5,092 |
| Net interest margin | 4.0700% | 1,681 |
| Noninterest income to average assets | 0.1750% | 5,811 |
| Noninterest expense to average assets | 2.2754% | 5,170 |
| Loan and lease loss provision to assets | 0.1322% | 1,978 |
| Net operating income to assets | 0.9961% | 2,400 |
| Return on assets (ROA) | 0.9984% | 2,467 |
| Pretax return on assets | 1.5574% | 1,360 |
| Return on Equity (ROE) | 12.8258% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.8258% | 236 |
| Net charge-offs to loans | 0.2508% | 1,708 |
| Credit loss provision to net charge-offs | 93.6709% | 2,562 |
| Earnings coverage of net charge-offs (x) | 11.9494% | 2,434 |
| Efficiency ratio | 55.9062% | 5,673 |
| Assets per employee ($millions) | 4.7408% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3067% | 3,384 |
| Loan loss allowance to noncurrent loans | 369.2308% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,177 |
| Noncurrent loans to loans | 0.3539% | 4,595 |
| Net loans and leases to total assets | 58.8243% | 3,942 |
| Net loans and leases to deposits | 67.8114% | 4,144 |
| Net loans and leases to core deposits | 67.8114% | 4,528 |
| Total domestic deposits to total assets | 86.7469% | 2,422 |
| Equity capital to assets | 8.2020% | 5,959 |
| Core capital (leverage) ratio | 9.1183% | 4,798 |
| Tier 1 risk-based capital ratio | 14.4282% | 3,816 |
| Total risk-based capital ratio | 15.6786% | 3,753 |
| Memoranda: |
| Average total assets | $55,991,000 | 5,652 |
| Average earning assets | $52,088,800 | 5,619 |
| Average equity | $4,358,400 | 6,021 |
| Average total loans | $31,501,600 | 5,506 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3048% | 2,610 |
| Cost of funding earning assets | 0.2684% | 5,225 |
| Net interest margin | 4.0364% | 1,765 |
| Noninterest income to average assets | 0.1930% | 5,764 |
| Noninterest expense to average assets | 2.2840% | 5,146 |
| Loan and lease loss provision to assets | 0.1344% | 1,858 |
| Net operating income to assets | 0.9789% | 2,546 |
| Return on assets (ROA) | 0.9820% | 2,603 |
| Pretax return on assets | 1.5268% | 1,559 |
| Return on Equity (ROE) | 12.8097% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.8097% | 344 |
| Net charge-offs to loans | 0.3798% | 1,053 |
| Credit loss provision to net charge-offs | 63.9535% | 2,876 |
| Earnings coverage of net charge-offs (x) | 7.8840% | 2,880 |
| Efficiency ratio | 56.4166% | 5,621 |
| Assets per employee ($millions) | 4.9058% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3041% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.4943% | 4,003 |
| Net loans and leases to deposits | 73.2270% | 3,530 |
| Net loans and leases to core deposits | 74.4138% | 3,908 |
| Total domestic deposits to total assets | 79.8808% | 5,129 |
| Equity capital to assets | 7.9668% | 6,149 |
| Core capital (leverage) ratio | 9.2688% | 4,678 |
| Tier 1 risk-based capital ratio | 14.6199% | 3,805 |
| Total risk-based capital ratio | 15.8694% | 3,749 |
| Memoranda: |
| Average total assets | $54,581,000 | 5,745 |
| Average earning assets | $50,670,750 | 5,713 |
| Average equity | $4,184,250 | 6,118 |
| Average total loans | $30,193,500 | 5,609 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2473% | 2,781 |
| Cost of funding earning assets | 0.2647% | 5,338 |
| Net interest margin | 3.9826% | 1,865 |
| Noninterest income to average assets | 0.1580% | 6,004 |
| Noninterest expense to average assets | 2.2953% | 5,165 |
| Loan and lease loss provision to assets | 0.1355% | 1,828 |
| Net operating income to assets | 0.9132% | 2,741 |
| Return on assets (ROA) | 0.9181% | 2,818 |
| Pretax return on assets | 1.4148% | 1,844 |
| Return on Equity (ROE) | 12.1524% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.1524% | 410 |
| Net charge-offs to loans | 0.6567% | 585 |
| Credit loss provision to net charge-offs | 38.2979% | 2,948 |
| Earnings coverage of net charge-offs (x) | 4.3617% | 3,125 |
| Efficiency ratio | 58.1373% | 5,540 |
| Assets per employee ($millions) | 4.2895% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3816% | 3,444 |
| Loan loss allowance to noncurrent loans | 2,252.6316% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 6,101 |
| Noncurrent loans to loans | 0.0613% | 5,845 |
| Net loans and leases to total assets | 54.7872% | 4,436 |
| Net loans and leases to deposits | 69.0434% | 3,934 |
| Net loans and leases to core deposits | 70.2338% | 4,243 |
| Total domestic deposits to total assets | 79.3519% | 5,376 |
| Equity capital to assets | 7.8529% | 6,235 |
| Core capital (leverage) ratio | 9.6685% | 4,086 |
| Tier 1 risk-based capital ratio | 15.5917% | 3,302 |
| Total risk-based capital ratio | 16.8412% | 3,256 |
| Memoranda: |
| Average total assets | $53,151,670 | 5,827 |
| Average earning assets | $49,114,000 | 5,811 |
| Average equity | $4,015,670 | 6,200 |
| Average total loans | $28,628,000 | 5,718 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2468% | 2,699 |
| Cost of funding earning assets | 0.2670% | 5,417 |
| Net interest margin | 3.9799% | 1,828 |
| Noninterest income to average assets | 0.1543% | 6,048 |
| Noninterest expense to average assets | 2.3531% | 5,059 |
| Loan and lease loss provision to assets | 0.1312% | 1,852 |
| Net operating income to assets | 0.9078% | 2,615 |
| Return on assets (ROA) | 0.9181% | 2,634 |
| Pretax return on assets | 1.3656% | 1,868 |
| Return on Equity (ROE) | 12.4152% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.4152% | 557 |
| Net charge-offs to loans | -0.0583% | 5,874 |
| Credit loss provision to net charge-offs | -425.0000% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7586% | 5,432 |
| Assets per employee ($millions) | 4.3750% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7839% | 2,087 |
| Loan loss allowance to noncurrent loans | 528.1250% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 5,676 |
| Noncurrent loans to loans | 0.3378% | 5,102 |
| Net loans and leases to total assets | 53.1695% | 4,528 |
| Net loans and leases to deposits | 60.1932% | 4,742 |
| Net loans and leases to core deposits | 62.5538% | 4,822 |
| Total domestic deposits to total assets | 88.3314% | 2,038 |
| Equity capital to assets | 7.6324% | 6,261 |
| Core capital (leverage) ratio | 9.4235% | 4,385 |
| Tier 1 risk-based capital ratio | 16.4997% | 2,896 |
| Total risk-based capital ratio | 17.7435% | 2,871 |
| Memoranda: |
| Average total assets | $51,846,000 | 5,917 |
| Average earning assets | $47,941,500 | 5,889 |
| Average equity | $3,834,000 | 6,282 |
| Average total loans | $27,452,500 | 5,830 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0101% | 4,058 |
| Cost of funding earning assets | 0.2949% | 5,640 |
| Net interest margin | 3.7152% | 2,999 |
| Noninterest income to average assets | 0.0679% | 6,491 |
| Noninterest expense to average assets | 2.3681% | 5,172 |
| Loan and lease loss provision to assets | 0.0220% | 4,688 |
| Net operating income to assets | 0.7507% | 3,547 |
| Return on assets (ROA) | 0.7588% | 3,598 |
| Pretax return on assets | 1.1361% | 2,822 |
| Return on Equity (ROE) | 8.7630% | 2,665 |
| Retained earnings to average equity (ytd only) | 0.1384% | 5,790 |
| Net charge-offs to loans | -0.3286% | 6,683 |
| Credit loss provision to net charge-offs | -14.4737% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4545% | 4,662 |
| Assets per employee ($millions) | 4.2660% | 3,323 |
| Cash dividends to net income (ytd only)* | 98.4211% | 435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8351% | 1,958 |
| Loan loss allowance to noncurrent loans | 747.6923% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 5,941 |
| Noncurrent loans to loans | 0.2454% | 5,444 |
| Net loans and leases to total assets | 50.7853% | 4,989 |
| Net loans and leases to deposits | 54.8365% | 5,399 |
| Net loans and leases to core deposits | 56.9382% | 5,465 |
| Total domestic deposits to total assets | 92.6121% | 179 |
| Equity capital to assets | 7.1515% | 6,417 |
| Core capital (leverage) ratio | 9.6838% | 4,012 |
| Tier 1 risk-based capital ratio | 16.9350% | 2,637 |
| Total risk-based capital ratio | 18.1737% | 2,606 |
| Memoranda: |
| Average total assets | $50,081,600 | 6,014 |
| Average earning assets | $46,457,600 | 5,973 |
| Average equity | $4,336,400 | 6,254 |
| Average total loans | $23,128,000 | 6,075 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9622% | 4,277 |
| Cost of funding earning assets | 0.2999% | 5,741 |
| Net interest margin | 3.6623% | 3,187 |
| Noninterest income to average assets | 0.0535% | 6,623 |
| Noninterest expense to average assets | 2.3612% | 5,147 |
| Loan and lease loss provision to assets | -0.0107% | 6,468 |
| Net operating income to assets | 0.7388% | 3,656 |
| Return on assets (ROA) | 0.7496% | 3,727 |
| Pretax return on assets | 1.1190% | 3,021 |
| Return on Equity (ROE) | 8.2863% | 2,982 |
| Retained earnings to average equity (ytd only) | -2.7819% | 6,336 |
| Net charge-offs to loans | -0.4426% | 6,766 |
| Credit loss provision to net charge-offs | 5.4054% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4341% | 4,411 |
| Assets per employee ($millions) | 4.8752% | 2,336 |
| Cash dividends to net income (ytd only)* | 133.5717% | 171 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9618% | 1,820 |
| Loan loss allowance to noncurrent loans | 77.2277% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 3,153 |
| Noncurrent loans to loans | 2.5402% | 1,697 |
| Net loans and leases to total assets | 47.9734% | 5,347 |
| Net loans and leases to deposits | 60.1899% | 4,951 |
| Net loans and leases to core deposits | 61.7799% | 5,138 |
| Total domestic deposits to total assets | 79.7034% | 5,580 |
| Equity capital to assets | 7.7515% | 6,283 |
| Core capital (leverage) ratio | 10.0542% | 3,595 |
| Tier 1 risk-based capital ratio | 18.1702% | 2,262 |
| Total risk-based capital ratio | 19.4255% | 2,221 |
| Memoranda: |
| Average total assets | $49,804,000 | 6,087 |
| Average earning assets | $46,236,250 | 6,049 |
| Average equity | $4,505,250 | 6,283 |
| Average total loans | $22,289,000 | 6,171 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9430% | 4,313 |
| Cost of funding earning assets | 0.3050% | 5,795 |
| Net interest margin | 3.6380% | 3,216 |
| Noninterest income to average assets | 0.0439% | 6,690 |
| Noninterest expense to average assets | 2.1693% | 5,701 |
| Loan and lease loss provision to assets | 0.2113% | 1,795 |
| Net operating income to assets | 0.7017% | 3,798 |
| Return on assets (ROA) | 0.7178% | 3,899 |
| Pretax return on assets | 1.0647% | 3,245 |
| Return on Equity (ROE) | 7.5832% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.5832% | 1,634 |
| Net charge-offs to loans | 0.2940% | 2,008 |
| Credit loss provision to net charge-offs | 165.6250% | 1,427 |
| Earnings coverage of net charge-offs (x) | 9.8125% | 2,234 |
| Efficiency ratio | 61.4219% | 5,258 |
| Assets per employee ($millions) | 4.3839% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9634% | 1,937 |
| Loan loss allowance to noncurrent loans | 891.4894% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 6,032 |
| Noncurrent loans to loans | 0.2202% | 5,752 |
| Net loans and leases to total assets | 43.3859% | 5,794 |
| Net loans and leases to deposits | 54.0355% | 5,518 |
| Net loans and leases to core deposits | 55.8382% | 5,610 |
| Total domestic deposits to total assets | 80.2916% | 5,538 |
| Equity capital to assets | 8.9480% | 5,267 |
| Core capital (leverage) ratio | 10.1318% | 3,316 |
| Tier 1 risk-based capital ratio | 20.4168% | 1,625 |
| Total risk-based capital ratio | 21.6710% | 1,600 |
| Memoranda: |
| Average total assets | $50,154,670 | 6,126 |
| Average earning assets | $46,564,000 | 6,082 |
| Average equity | $4,747,330 | 6,257 |
| Average total loans | $21,766,670 | 6,231 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8744% | 4,569 |
| Cost of funding earning assets | 0.3116% | 5,875 |
| Net interest margin | 3.5628% | 3,420 |
| Noninterest income to average assets | 0.0861% | 6,629 |
| Noninterest expense to average assets | 2.0344% | 6,033 |
| Loan and lease loss provision to assets | 0.2973% | 1,176 |
| Net operating income to assets | 0.7192% | 3,596 |
| Return on assets (ROA) | 0.7512% | 3,566 |
| Pretax return on assets | 1.1111% | 2,909 |
| Return on Equity (ROE) | 7.7365% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.7365% | 1,846 |
| Net charge-offs to loans | 0.6370% | 963 |
| Credit loss provision to net charge-offs | 108.5714% | 1,709 |
| Earnings coverage of net charge-offs (x) | 4.9714% | 2,434 |
| Efficiency ratio | 58.0645% | 5,840 |
| Assets per employee ($millions) | 5.0355% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8331% | 2,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 6,351 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.7525% | 5,782 |
| Net loans and leases to deposits | 47.4959% | 5,958 |
| Net loans and leases to core deposits | 48.8429% | 6,044 |
| Total domestic deposits to total assets | 90.0129% | 1,041 |
| Equity capital to assets | 9.8481% | 4,355 |
| Core capital (leverage) ratio | 9.7696% | 3,699 |
| Tier 1 risk-based capital ratio | 18.6172% | 2,151 |
| Total risk-based capital ratio | 19.8618% | 2,126 |
| Memoranda: |
| Average total assets | $51,120,500 | 6,151 |
| Average earning assets | $47,491,000 | 6,111 |
| Average equity | $4,963,500 | 6,257 |
| Average total loans | $21,979,500 | 6,277 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0680% | 5,065 |
| Cost of funding earning assets | 0.3390% | 6,274 |
| Net interest margin | 3.7290% | 3,525 |
| Noninterest income to average assets | 0.0748% | 6,604 |
| Noninterest expense to average assets | 2.5688% | 4,864 |
| Loan and lease loss provision to assets | 0.2157% | 2,974 |
| Net operating income to assets | 0.5264% | 4,570 |
| Return on assets (ROA) | 0.5264% | 4,840 |
| Pretax return on assets | 0.7393% | 4,522 |
| Return on Equity (ROE) | 4.1832% | 5,064 |
| Retained earnings to average equity (ytd only) | 4.1832% | 3,286 |
| Net charge-offs to loans | -0.2299% | 6,947 |
| Credit loss provision to net charge-offs | -187.5000% | 6,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6531% | 3,293 |
| Assets per employee ($millions) | 4.7169% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8249% | 2,509 |
| Loan loss allowance to noncurrent loans | 191.4286% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 5,269 |
| Noncurrent loans to loans | 0.9533% | 4,289 |
| Net loans and leases to total assets | 41.6818% | 6,033 |
| Net loans and leases to deposits | 46.1160% | 6,247 |
| Net loans and leases to core deposits | 46.3631% | 6,352 |
| Total domestic deposits to total assets | 90.3847% | 759 |
| Equity capital to assets | 9.5748% | 4,784 |
| Core capital (leverage) ratio | 10.7106% | 2,534 |
| Tier 1 risk-based capital ratio | 18.7138% | 2,043 |
| Total risk-based capital ratio | 19.9665% | 2,006 |
| Memoranda: |
| Average total assets | $34,763,000 | 6,639 |
| Average earning assets | $32,153,400 | 6,601 |
| Average equity | $4,374,600 | 6,471 |
| Average total loans | $17,397,600 | 6,537 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1283% | 5,086 |
| Cost of funding earning assets | 0.3385% | 6,426 |
| Net interest margin | 3.7898% | 3,380 |
| Noninterest income to average assets | 0.1006% | 6,613 |
| Noninterest expense to average assets | 2.3970% | 5,409 |
| Loan and lease loss provision to assets | 0.2624% | 2,474 |
| Net operating income to assets | 0.6867% | 3,970 |
| Return on assets (ROA) | 0.6867% | 4,226 |
| Pretax return on assets | 0.9667% | 3,837 |
| Return on Equity (ROE) | 4.9531% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.9531% | 3,397 |
| Net charge-offs to loans | -0.2956% | 7,047 |
| Credit loss provision to net charge-offs | -166.6667% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1037% | 4,436 |
| Assets per employee ($millions) | 6.0517% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1580% | 1,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 6,450 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 47.8243% | 5,568 |
| Net loans and leases to deposits | 69.9637% | 3,902 |
| Net loans and leases to core deposits | 69.9637% | 4,504 |
| Total domestic deposits to total assets | 68.3558% | 6,909 |
| Equity capital to assets | 13.5968% | 1,311 |
| Core capital (leverage) ratio | 14.0776% | 811 |
| Tier 1 risk-based capital ratio | 24.1136% | 1,008 |
| Total risk-based capital ratio | 24.7349% | 1,072 |
| Memoranda: |
| Average total assets | $30,482,250 | 6,828 |
| Average earning assets | $28,356,250 | 6,795 |
| Average equity | $4,226,250 | 6,596 |
| Average total loans | $16,239,750 | 6,671 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0409% | 5,514 |
| Cost of funding earning assets | 0.3550% | 6,493 |
| Net interest margin | 3.6859% | 3,892 |
| Noninterest income to average assets | 0.1051% | 6,651 |
| Noninterest expense to average assets | 2.2705% | 5,817 |
| Loan and lease loss provision to assets | 0.2102% | 2,978 |
| Net operating income to assets | 0.7428% | 3,634 |
| Return on assets (ROA) | 0.7428% | 3,910 |
| Pretax return on assets | 1.0442% | 3,544 |
| Return on Equity (ROE) | 5.3142% | 4,660 |
| Retained earnings to average equity (ytd only) | 5.3142% | 3,083 |
| Net charge-offs to loans | -0.1779% | 6,973 |
| Credit loss provision to net charge-offs | -214.2857% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4135% | 4,814 |
| Assets per employee ($millions) | 6.3624% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9314% | 2,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 6,477 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.8323% | 4,983 |
| Net loans and leases to deposits | 77.5052% | 2,750 |
| Net loans and leases to core deposits | 77.5052% | 3,590 |
| Total domestic deposits to total assets | 68.1661% | 6,992 |
| Equity capital to assets | 15.3244% | 712 |
| Core capital (leverage) ratio | 16.5668% | 403 |
| Tier 1 risk-based capital ratio | 25.7216% | 835 |
| Total risk-based capital ratio | 26.9760% | 820 |
| Memoranda: |
| Average total assets | $28,539,670 | 6,930 |
| Average earning assets | $26,479,330 | 6,889 |
| Average equity | $3,989,330 | 6,684 |
| Average total loans | $15,737,000 | 6,750 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8792% | 6,073 |
| Cost of funding earning assets | 0.3718% | 6,545 |
| Net interest margin | 3.5074% | 4,657 |
| Noninterest income to average assets | 0.1189% | 6,659 |
| Noninterest expense to average assets | 2.4383% | 5,348 |
| Loan and lease loss provision to assets | 0.2230% | 2,718 |
| Net operating income to assets | 0.4906% | 4,871 |
| Return on assets (ROA) | 0.4906% | 5,073 |
| Pretax return on assets | 0.6839% | 4,845 |
| Return on Equity (ROE) | 3.7220% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.7220% | 4,356 |
| Net charge-offs to loans | -0.1064% | 6,811 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8889% | 3,274 |
| Assets per employee ($millions) | 5.7428% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9613% | 2,482 |
| Loan loss allowance to noncurrent loans | 158.5492% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 4,917 |
| Noncurrent loans to loans | 1.2370% | 4,270 |
| Net loans and leases to total assets | 53.2702% | 4,840 |
| Net loans and leases to deposits | 63.8904% | 4,654 |
| Net loans and leases to core deposits | 63.8904% | 5,126 |
| Total domestic deposits to total assets | 83.3774% | 4,774 |
| Equity capital to assets | 16.5494% | 493 |
| Core capital (leverage) ratio | 18.0640% | 294 |
| Tier 1 risk-based capital ratio | 29.4252% | 552 |
| Total risk-based capital ratio | 30.6847% | 540 |
| Memoranda: |
| Average total assets | $26,903,500 | 7,029 |
| Average earning assets | $24,747,500 | 6,990 |
| Average equity | $3,546,500 | 6,839 |
| Average total loans | $15,036,500 | 6,854 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0925% | 6,293 |
| Cost of funding earning assets | 0.4679% | 6,664 |
| Net interest margin | 3.6246% | 4,636 |
| Noninterest income to average assets | -0.4560% | 7,253 |
| Noninterest expense to average assets | 2.7683% | 4,480 |
| Loan and lease loss provision to assets | 0.5113% | 2,053 |
| Net operating income to assets | -0.3777% | 6,398 |
| Return on assets (ROA) | -0.3777% | 6,449 |
| Pretax return on assets | -0.4882% | 6,488 |
| Return on Equity (ROE) | -3.7050% | 6,453 |
| Retained earnings to average equity (ytd only) | -3.7050% | 6,344 |
| Net charge-offs to loans | 1.7720% | 840 |
| Credit loss provision to net charge-offs | 52.3585% | 5,369 |
| Earnings coverage of net charge-offs (x) | 0.0236% | 5,802 |
| Efficiency ratio | 99.1749% | 703 |
| Assets per employee ($millions) | 5.0186% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9833% | 2,332 |
| Loan loss allowance to noncurrent loans | 135.3774% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 4,603 |
| Noncurrent loans to loans | 1.4650% | 3,960 |
| Net loans and leases to total assets | 56.5257% | 4,618 |
| Net loans and leases to deposits | 62.3939% | 5,187 |
| Net loans and leases to core deposits | 62.3939% | 5,612 |
| Total domestic deposits to total assets | 90.5950% | 667 |
| Equity capital to assets | 9.3293% | 5,111 |
| Core capital (leverage) ratio | 10.9159% | 2,335 |
| Tier 1 risk-based capital ratio | 16.3074% | 2,901 |
| Total risk-based capital ratio | 17.5672% | 2,867 |
| Memoranda: |
| Average total assets | $21,710,200 | 7,167 |
| Average earning assets | $19,450,400 | 7,153 |
| Average equity | $2,213,200 | 7,176 |
| Average total loans | $11,964,200 | 7,033 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0419% | 6,523 |
| Cost of funding earning assets | 0.4864% | 6,760 |
| Net interest margin | 3.5554% | 4,958 |
| Noninterest income to average assets | 0.1406% | 6,544 |
| Noninterest expense to average assets | 2.8245% | 4,254 |
| Loan and lease loss provision to assets | -0.0128% | 7,305 |
| Net operating income to assets | 0.4153% | 4,928 |
| Return on assets (ROA) | 0.4153% | 5,121 |
| Pretax return on assets | 0.5048% | 5,146 |
| Return on Equity (ROE) | 3.9730% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.9730% | 3,889 |
| Net charge-offs to loans | -0.1176% | 7,195 |
| Credit loss provision to net charge-offs | 20.0000% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1638% | 1,619 |
| Assets per employee ($millions) | 4.1026% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8348% | 1,000 |
| Loan loss allowance to noncurrent loans | 33.3614% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 7.4489% | 634 |
| Noncurrent loans to loans | 8.4974% | 497 |
| Net loans and leases to total assets | 66.1678% | 2,865 |
| Net loans and leases to deposits | 75.3762% | 3,438 |
| Net loans and leases to core deposits | 75.3762% | 4,267 |
| Total domestic deposits to total assets | 87.7834% | 2,176 |
| Equity capital to assets | 12.1289% | 2,155 |
| Core capital (leverage) ratio | 12.4285% | 1,464 |
| Tier 1 risk-based capital ratio | 17.5599% | 2,418 |
| Total risk-based capital ratio | 18.8927% | 2,354 |
| Memoranda: |
| Average total assets | $20,864,500 | 7,261 |
| Average earning assets | $18,637,750 | 7,242 |
| Average equity | $2,181,250 | 7,260 |
| Average total loans | $11,337,500 | 7,134 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6707% | 7,037 |
| Cost of funding earning assets | 0.4816% | 6,908 |
| Net interest margin | 3.1892% | 6,194 |
| Noninterest income to average assets | 0.1525% | 6,560 |
| Noninterest expense to average assets | 2.6690% | 4,943 |
| Loan and lease loss provision to assets | -0.0572% | 7,399 |
| Net operating income to assets | 0.2955% | 5,385 |
| Return on assets (ROA) | 0.2955% | 5,525 |
| Pretax return on assets | 0.3813% | 5,452 |
| Return on Equity (ROE) | 2.9822% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.9822% | 4,382 |
| Net charge-offs to loans | -0.1338% | 7,228 |
| Credit loss provision to net charge-offs | 85.7143% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1720% | 1,306 |
| Assets per employee ($millions) | 3.8520% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4455% | 622 |
| Loan loss allowance to noncurrent loans | 32.8825% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 8.0374% | 572 |
| Noncurrent loans to loans | 10.4783% | 355 |
| Net loans and leases to total assets | 56.5992% | 4,886 |
| Net loans and leases to deposits | 63.6183% | 5,325 |
| Net loans and leases to core deposits | 63.6183% | 5,767 |
| Total domestic deposits to total assets | 88.9668% | 1,550 |
| Equity capital to assets | 10.9398% | 3,022 |
| Core capital (leverage) ratio | 10.2307% | 3,002 |
| Tier 1 risk-based capital ratio | 17.3147% | 2,408 |
| Total risk-based capital ratio | 18.4729% | 2,411 |
| Memoranda: |
| Average total assets | $20,981,670 | 7,324 |
| Average earning assets | $18,688,330 | 7,313 |
| Average equity | $2,079,000 | 7,333 |
| Average total loans | $10,460,330 | 7,243 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1464% | 7,359 |
| Cost of funding earning assets | 0.4730% | 7,058 |
| Net interest margin | 2.6735% | 7,043 |
| Noninterest income to average assets | 0.0733% | 7,022 |
| Noninterest expense to average assets | 2.3624% | 6,012 |
| Loan and lease loss provision to assets | -0.0916% | 7,484 |
| Net operating income to assets | 0.1099% | 6,068 |
| Return on assets (ROA) | 0.1099% | 6,122 |
| Pretax return on assets | 0.1831% | 5,978 |
| Return on Equity (ROE) | 1.1622% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.1622% | 5,358 |
| Net charge-offs to loans | -0.1593% | 7,212 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2687% | 906 |
| Assets per employee ($millions) | 4.2362% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8743% | 462 |
| Loan loss allowance to noncurrent loans | 32.7134% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 7.8608% | 614 |
| Noncurrent loans to loans | 11.8430% | 287 |
| Net loans and leases to total assets | 45.3331% | 6,346 |
| Net loans and leases to deposits | 50.2907% | 6,607 |
| Net loans and leases to core deposits | 50.2907% | 6,762 |
| Total domestic deposits to total assets | 90.1421% | 1,067 |
| Equity capital to assets | 9.7587% | 4,096 |
| Core capital (leverage) ratio | 9.0180% | 4,583 |
| Tier 1 risk-based capital ratio | 18.6000% | 1,926 |
| Total risk-based capital ratio | 19.8814% | 1,867 |
| Memoranda: |
| Average total assets | $21,842,500 | 7,362 |
| Average earning assets | $19,450,500 | 7,351 |
| Average equity | $2,065,000 | 7,385 |
| Average total loans | $10,045,500 | 7,316 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8584% | 7,227 |
| Cost of funding earning assets | 0.8319% | 6,432 |
| Net interest margin | 3.0266% | 6,687 |
| Noninterest income to average assets | 0.0927% | 6,929 |
| Noninterest expense to average assets | 2.5430% | 5,640 |
| Loan and lease loss provision to assets | -0.0049% | 7,568 |
| Net operating income to assets | 0.1904% | 5,296 |
| Return on assets (ROA) | 0.1904% | 5,468 |
| Pretax return on assets | 0.2538% | 5,349 |
| Return on Equity (ROE) | 1.8752% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.8752% | 4,550 |
| Net charge-offs to loans | 0.5207% | 3,541 |
| Credit loss provision to net charge-offs | -1.8519% | 6,976 |
| Earnings coverage of net charge-offs (x) | 0.9444% | 5,166 |
| Efficiency ratio | 91.0839% | 1,240 |
| Assets per employee ($millions) | 4.5008% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8408% | 452 |
| Loan loss allowance to noncurrent loans | 89.6074% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 4.1637% | 1,610 |
| Noncurrent loans to loans | 4.2863% | 1,683 |
| Net loans and leases to total assets | 43.1657% | 6,774 |
| Net loans and leases to deposits | 47.5827% | 6,968 |
| Net loans and leases to core deposits | 47.5827% | 7,090 |
| Total domestic deposits to total assets | 90.7172% | 739 |
| Equity capital to assets | 9.1673% | 4,888 |
| Core capital (leverage) ratio | 9.7155% | 3,418 |
| Tier 1 risk-based capital ratio | 18.2101% | 1,936 |
| Total risk-based capital ratio | 19.4913% | 1,884 |
| Memoranda: |
| Average total assets | $20,487,600 | 7,456 |
| Average earning assets | $18,271,600 | 7,443 |
| Average equity | $2,079,800 | 7,492 |
| Average total loans | $10,371,000 | 7,374 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9201% | 7,327 |
| Cost of funding earning assets | 0.9092% | 6,362 |
| Net interest margin | 3.0108% | 6,809 |
| Noninterest income to average assets | 0.1001% | 7,045 |
| Noninterest expense to average assets | 2.5754% | 5,414 |
| Loan and lease loss provision to assets | -0.3336% | 7,736 |
| Net operating income to assets | 0.4404% | 4,585 |
| Return on assets (ROA) | 0.4404% | 4,766 |
| Pretax return on assets | 0.5538% | 4,749 |
| Return on Equity (ROE) | 4.2226% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.2226% | 3,515 |
| Net charge-offs to loans | 0.7536% | 2,541 |
| Credit loss provision to net charge-offs | -84.7458% | 6,903 |
| Earnings coverage of net charge-offs (x) | 0.5594% | 5,457 |
| Efficiency ratio | 92.1241% | 1,120 |
| Assets per employee ($millions) | 3.6532% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3264% | 620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9399% | 2,467 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.1425% | 5,966 |
| Net loans and leases to deposits | 60.1127% | 6,305 |
| Net loans and leases to core deposits | 60.1127% | 6,588 |
| Total domestic deposits to total assets | 88.4047% | 1,725 |
| Equity capital to assets | 11.4420% | 2,581 |
| Core capital (leverage) ratio | 10.5459% | 2,641 |
| Tier 1 risk-based capital ratio | 18.3518% | 1,919 |
| Total risk-based capital ratio | 19.6204% | 1,872 |
| Memoranda: |
| Average total assets | $19,983,500 | 7,563 |
| Average earning assets | $17,890,500 | 7,549 |
| Average equity | $2,084,000 | 7,586 |
| Average total loans | $10,438,250 | 7,469 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7621% | 7,505 |
| Cost of funding earning assets | 0.9378% | 6,430 |
| Net interest margin | 2.8242% | 7,117 |
| Noninterest income to average assets | 0.0973% | 7,107 |
| Noninterest expense to average assets | 2.5686% | 5,459 |
| Loan and lease loss provision to assets | -0.3697% | 7,803 |
| Net operating income to assets | 0.3795% | 4,853 |
| Return on assets (ROA) | 0.3795% | 5,015 |
| Pretax return on assets | 0.4476% | 5,068 |
| Return on Equity (ROE) | 3.7464% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,713 |
| Net charge-offs to loans | 1.1352% | 1,670 |
| Credit loss provision to net charge-offs | -63.3333% | 6,648 |
| Earnings coverage of net charge-offs (x) | 0.1333% | 5,589 |
| Efficiency ratio | 97.0588% | 914 |
| Assets per employee ($millions) | 4.7563% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2726% | 660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9488% | 2,429 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 53.5979% | 6,036 |
| Net loans and leases to deposits | 60.2375% | 6,390 |
| Net loans and leases to core deposits | 60.2375% | 6,699 |
| Total domestic deposits to total assets | 88.9777% | 1,452 |
| Equity capital to assets | 10.8384% | 3,040 |
| Core capital (leverage) ratio | 9.8185% | 3,377 |
| Tier 1 risk-based capital ratio | 17.0222% | 2,273 |
| Total risk-based capital ratio | 18.3200% | 2,207 |
| Memoranda: |
| Average total assets | $20,556,000 | 7,616 |
| Average earning assets | $18,553,670 | 7,599 |
| Average equity | $2,082,000 | 7,648 |
| Average total loans | $10,570,670 | 7,526 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6519% | 7,655 |
| Cost of funding earning assets | 0.9288% | 6,661 |
| Net interest margin | 2.7231% | 7,271 |
| Noninterest income to average assets | 0.0750% | 7,328 |
| Noninterest expense to average assets | 2.6827% | 4,985 |
| Loan and lease loss provision to assets | -3.3769% | 7,932 |
| Net operating income to assets | 2.5514% | 142 |
| Return on assets (ROA) | 2.5514% | 155 |
| Pretax return on assets | 3.1893% | 124 |
| Return on Equity (ROE) | 26.0038% | 135 |
| Retained earnings to average equity (ytd only) | 26.0038% | 93 |
| Net charge-offs to loans | 2.2296% | 765 |
| Credit loss provision to net charge-offs | -305.0847% | 6,192 |
| Earnings coverage of net charge-offs (x) | -0.1695% | 5,145 |
| Efficiency ratio | 107.5188% | 646 |
| Assets per employee ($millions) | 4.0092% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9701% | 2,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8335% | 2,558 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 50.6385% | 6,410 |
| Net loans and leases to deposits | 56.8715% | 6,712 |
| Net loans and leases to core deposits | 56.8715% | 6,944 |
| Total domestic deposits to total assets | 89.0402% | 1,497 |
| Equity capital to assets | 10.7752% | 2,974 |
| Core capital (leverage) ratio | 9.8455% | 3,344 |
| Tier 1 risk-based capital ratio | 17.8646% | 1,984 |
| Total risk-based capital ratio | 19.1233% | 1,950 |
| Memoranda: |
| Average total assets | $21,321,500 | 7,688 |
| Average earning assets | $18,949,000 | 7,682 |
| Average equity | $2,092,000 | 7,733 |
| Average total loans | $10,585,000 | 7,625 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5062% | 7,377 |
| Cost of funding earning assets | 1.3588% | 6,098 |
| Net interest margin | 3.1473% | 6,234 |
| Noninterest income to average assets | 0.0783% | 7,359 |
| Noninterest expense to average assets | 2.2760% | 6,809 |
| Loan and lease loss provision to assets | 7.9074% | 46 |
| Net operating income to assets | -5.2614% | 7,778 |
| Return on assets (ROA) | -5.2614% | 7,768 |
| Pretax return on assets | -7.3634% | 7,888 |
| Return on Equity (ROE) | -44.7049% | 7,625 |
| Retained earnings to average equity (ytd only) | -44.7049% | 7,613 |
| Net charge-offs to loans | 13.7292% | 15 |
| Credit loss provision to net charge-offs | 109.7885% | 5,012 |
| Earnings coverage of net charge-offs (x) | 0.0755% | 6,086 |
| Efficiency ratio | 80.7099% | 2,787 |
| Assets per employee ($millions) | 4.5194% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0962% | 338 |
| Loan loss allowance to noncurrent loans | 153.8194% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 3.0668% | 2,269 |
| Noncurrent loans to loans | 2.6630% | 2,884 |
| Net loans and leases to total assets | 45.8999% | 6,985 |
| Net loans and leases to deposits | 50.5236% | 7,231 |
| Net loans and leases to core deposits | 53.5855% | 7,485 |
| Total domestic deposits to total assets | 90.8483% | 595 |
| Equity capital to assets | 8.9569% | 5,211 |
| Core capital (leverage) ratio | 9.3265% | 3,935 |
| Tier 1 risk-based capital ratio | 15.1695% | 2,859 |
| Total risk-based capital ratio | 16.4436% | 2,806 |
| Memoranda: |
| Average total assets | $22,978,600 | 7,701 |
| Average earning assets | $20,017,000 | 7,711 |
| Average equity | $2,704,400 | 7,677 |
| Average total loans | $12,054,600 | 7,599 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7720% | 7,167 |
| Cost of funding earning assets | 1.4745% | 5,937 |
| Net interest margin | 3.2975% | 5,652 |
| Noninterest income to average assets | -0.8032% | 8,067 |
| Noninterest expense to average assets | 2.2651% | 6,800 |
| Loan and lease loss provision to assets | 7.7603% | 51 |
| Net operating income to assets | -5.3508% | 7,875 |
| Return on assets (ROA) | -5.3508% | 7,871 |
| Pretax return on assets | -7.9857% | 7,996 |
| Return on Equity (ROE) | -42.9515% | 7,779 |
| Retained earnings to average equity (ytd only) | -42.9515% | 7,776 |
| Net charge-offs to loans | 16.3151% | 11 |
| Credit loss provision to net charge-offs | 88.7640% | 5,516 |
| Earnings coverage of net charge-offs (x) | -0.0258% | 6,100 |
| Efficiency ratio | 111.0482% | 749 |
| Assets per employee ($millions) | 4.1308% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0113% | 6,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 3,379 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 52.6048% | 6,551 |
| Net loans and leases to deposits | 59.5996% | 6,858 |
| Net loans and leases to core deposits | 65.6456% | 7,174 |
| Total domestic deposits to total assets | 88.2638% | 1,531 |
| Equity capital to assets | 11.1697% | 2,854 |
| Core capital (leverage) ratio | 10.6702% | 2,654 |
| Tier 1 risk-based capital ratio | 17.6579% | 2,083 |
| Total risk-based capital ratio | 18.5075% | 2,145 |
| Memoranda: |
| Average total assets | $23,074,000 | 7,766 |
| Average earning assets | $19,893,250 | 7,788 |
| Average equity | $2,874,500 | 7,697 |
| Average total loans | $12,364,500 | 7,656 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5509% | 7,585 |
| Cost of funding earning assets | 1.5170% | 6,069 |
| Net interest margin | 3.0339% | 6,454 |
| Noninterest income to average assets | -0.0502% | 8,010 |
| Noninterest expense to average assets | 2.1942% | 7,067 |
| Loan and lease loss provision to assets | 6.9010% | 98 |
| Net operating income to assets | -4.3382% | 7,876 |
| Return on assets (ROA) | -4.3382% | 7,869 |
| Pretax return on assets | -6.5492% | 7,987 |
| Return on Equity (ROE) | -33.8157% | 7,766 |
| Retained earnings to average equity (ytd only) | -33.8157% | 7,742 |
| Net charge-offs to loans | 10.7271% | 45 |
| Credit loss provision to net charge-offs | 119.7674% | 3,883 |
| Earnings coverage of net charge-offs (x) | 0.0610% | 5,614 |
| Efficiency ratio | 86.1842% | 2,212 |
| Assets per employee ($millions) | 3.6582% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4091% | 408 |
| Loan loss allowance to noncurrent loans | 50.5455% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 4.4512% | 1,264 |
| Noncurrent loans to loans | 6.7446% | 757 |
| Net loans and leases to total assets | 53.8293% | 6,475 |
| Net loans and leases to deposits | 61.8198% | 6,742 |
| Net loans and leases to core deposits | 68.5802% | 7,095 |
| Total domestic deposits to total assets | 87.0746% | 2,215 |
| Equity capital to assets | 12.3696% | 1,996 |
| Core capital (leverage) ratio | 11.7787% | 1,934 |
| Tier 1 risk-based capital ratio | 19.6341% | 1,642 |
| Total risk-based capital ratio | 20.9719% | 1,588 |
| Memoranda: |
| Average total assets | $23,880,670 | 7,820 |
| Average earning assets | $20,435,670 | 7,847 |
| Average equity | $3,063,670 | 7,709 |
| Average total loans | $12,827,330 | 7,709 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0153% | 7,988 |
| Cost of funding earning assets | 1.5058% | 6,384 |
| Net interest margin | 2.5096% | 7,487 |
| Noninterest income to average assets | 0.0483% | 7,841 |
| Noninterest expense to average assets | 2.0607% | 7,212 |
| Loan and lease loss provision to assets | -0.0644% | 8,195 |
| Net operating income to assets | 0.1610% | 5,784 |
| Return on assets (ROA) | 0.1610% | 5,953 |
| Pretax return on assets | 0.2254% | 5,883 |
| Return on Equity (ROE) | 1.2353% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.2353% | 5,144 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7536% | 1,520 |
| Assets per employee ($millions) | 3.9678% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1436% | 1,158 |
| Loan loss allowance to noncurrent loans | 17.8710% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 6.7921% | 520 |
| Noncurrent loans to loans | 11.9950% | 179 |
| Net loans and leases to total assets | 53.1146% | 6,568 |
| Net loans and leases to deposits | 61.8943% | 6,745 |
| Net loans and leases to core deposits | 70.5243% | 6,991 |
| Total domestic deposits to total assets | 85.8151% | 2,817 |
| Equity capital to assets | 13.6220% | 1,486 |
| Core capital (leverage) ratio | 13.2438% | 1,405 |
| Tier 1 risk-based capital ratio | 22.4569% | 1,251 |
| Total risk-based capital ratio | 23.7172% | 1,221 |
| Memoranda: |
| Average total assets | $24,846,500 | 7,841 |
| Average earning assets | $21,517,500 | 7,859 |
| Average equity | $3,238,000 | 7,705 |
| Average total loans | $13,125,000 | 7,739 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6388% | 6,964 |
| Cost of funding earning assets | 1.9143% | 6,692 |
| Net interest margin | 3.7244% | 4,362 |
| Noninterest income to average assets | 0.0803% | 7,740 |
| Noninterest expense to average assets | 2.4061% | 6,370 |
| Loan and lease loss provision to assets | 0.5985% | 2,433 |
| Net operating income to assets | 0.3736% | 5,258 |
| Return on assets (ROA) | 0.3736% | 5,068 |
| Pretax return on assets | 0.5222% | 4,920 |
| Return on Equity (ROE) | 2.8501% | 5,286 |
| Retained earnings to average equity (ytd only) | -0.8275% | 5,549 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2232% | 4,683 |
| Assets per employee ($millions) | 4.3143% | 2,928 |
| Cash dividends to net income (ytd only)* | 129.0323% | 598 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1083% | 1,059 |
| Loan loss allowance to noncurrent loans | 34.0606% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 3.4459% | 1,292 |
| Noncurrent loans to loans | 6.1900% | 551 |
| Net loans and leases to total assets | 50.4018% | 6,990 |
| Net loans and leases to deposits | 57.9712% | 7,205 |
| Net loans and leases to core deposits | 65.1405% | 7,389 |
| Total domestic deposits to total assets | 86.9427% | 1,961 |
| Equity capital to assets | 12.4894% | 2,019 |
| Core capital (leverage) ratio | 13.8994% | 1,278 |
| Tier 1 risk-based capital ratio | 22.4094% | 1,261 |
| Total risk-based capital ratio | 23.6709% | 1,231 |
| Memoranda: |
| Average total assets | $24,895,200 | 7,841 |
| Average earning assets | $23,037,000 | 7,821 |
| Average equity | $3,263,000 | 7,761 |
| Average total loans | $13,385,000 | 7,743 |
