Home > The Bank of Fairport > Performance and Condition Ratios
The Bank of Fairport, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 3,793 |
| Cost of funding earning assets | 0.2250% | 5,054 |
| Net interest margin | 3.9993% | 1,856 |
| Noninterest income to average assets | 0.4757% | 2,702 |
| Noninterest expense to average assets | 5.0517% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.9514% | 5,284 |
| Return on assets (ROA) | -0.9514% | 5,281 |
| Pretax return on assets | -0.9514% | 5,275 |
| Return on Equity (ROE) | -14.3467% | 5,314 |
| Retained earnings to average equity (ytd only) | -14.3467% | 5,195 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.2044% | 69 |
| Assets per employee ($millions) | 3.5648% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6552% | 205 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,670 |
| Noncurrent loans to loans | 0.0699% | 4,447 |
| Net loans and leases to total assets | 46.8974% | 4,625 |
| Net loans and leases to deposits | 50.2374% | 4,810 |
| Net loans and leases to core deposits | 50.2374% | 4,879 |
| Total domestic deposits to total assets | 93.3517% | 17 |
| Equity capital to assets | 6.5586% | 5,330 |
| Core capital (leverage) ratio | 6.8184% | 5,325 |
| Tier 1 risk-based capital ratio | 12.7987% | 3,980 |
| Total risk-based capital ratio | 14.0617% | 3,875 |
| Memoranda: | ||
| Average total assets | $17,657,500 | 5,320 |
| Average earning assets | $16,003,000 | 5,310 |
| Average equity | $1,171,000 | 5,353 |
| Average total loans | $9,005,500 | 5,256 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 2,769 |
| Cost of funding earning assets | 0.2544% | 4,784 |
| Net interest margin | 4.1427% | 1,548 |
| Noninterest income to average assets | 0.7462% | 1,664 |
| Noninterest expense to average assets | 4.8202% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2930% | 5,290 |
| Return on assets (ROA) | -0.2930% | 5,287 |
| Pretax return on assets | -0.2930% | 5,281 |
| Return on Equity (ROE) | -4.3954% | 5,308 |
| Retained earnings to average equity (ytd only) | -4.3954% | 5,227 |
| Net charge-offs to loans | -0.7167% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4713% | 101 |
| Assets per employee ($millions) | 2.4987% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4087% | 252 |
| Loan loss allowance to noncurrent loans | 160.9929% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 1,730 |
| Noncurrent loans to loans | 1.4962% | 1,020 |
| Net loans and leases to total assets | 52.5813% | 4,381 |
| Net loans and leases to deposits | 56.3749% | 4,646 |
| Net loans and leases to core deposits | 56.3749% | 4,768 |
| Total domestic deposits to total assets | 93.2708% | 26 |
| Equity capital to assets | 6.7063% | 5,352 |
| Core capital (leverage) ratio | 7.2414% | 5,345 |
| Tier 1 risk-based capital ratio | 10.8826% | 5,028 |
| Total risk-based capital ratio | 12.1373% | 4,914 |
| Memoranda: | ||
| Average total assets | $18,090,600 | 5,358 |
| Average earning assets | $16,510,800 | 5,348 |
| Average equity | $1,205,800 | 5,396 |
| Average total loans | $9,208,600 | 5,300 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 2,897 |
| Cost of funding earning assets | 0.2639% | 4,712 |
| Net interest margin | 4.0550% | 1,772 |
| Noninterest income to average assets | 0.8260% | 1,392 |
| Noninterest expense to average assets | 4.5100% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0219% | 5,290 |
| Return on assets (ROA) | 0.0219% | 5,288 |
| Pretax return on assets | 0.0219% | 5,285 |
| Return on Equity (ROE) | 0.3295% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.3295% | 4,984 |
| Net charge-offs to loans | -0.9321% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5161% | 163 |
| Assets per employee ($millions) | 2.8418% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 312 |
| Loan loss allowance to noncurrent loans | 157.3427% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 1,767 |
| Noncurrent loans to loans | 1.4552% | 1,125 |
| Net loans and leases to total assets | 56.3134% | 4,190 |
| Net loans and leases to deposits | 61.1398% | 4,485 |
| Net loans and leases to core deposits | 61.1398% | 4,655 |
| Total domestic deposits to total assets | 92.1060% | 77 |
| Equity capital to assets | 7.0436% | 5,384 |
| Core capital (leverage) ratio | 7.3332% | 5,408 |
| Tier 1 risk-based capital ratio | 11.3073% | 4,894 |
| Total risk-based capital ratio | 12.5637% | 4,787 |
| Memoranda: | ||
| Average total assets | $18,240,500 | 5,427 |
| Average earning assets | $16,670,250 | 5,418 |
| Average equity | $1,214,000 | 5,465 |
| Average total loans | $9,154,750 | 5,369 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,418 |
| Cost of funding earning assets | 0.2613% | 4,694 |
| Net interest margin | 3.8477% | 2,393 |
| Noninterest income to average assets | 0.8800% | 1,240 |
| Noninterest expense to average assets | 4.3462% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0107% | 5,336 |
| Return on assets (ROA) | 0.0107% | 5,331 |
| Pretax return on assets | 0.0107% | 5,331 |
| Return on Equity (ROE) | 0.1642% | 5,326 |
| Retained earnings to average equity (ytd only) | 0.1642% | 4,925 |
| Net charge-offs to loans | -1.2541% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7537% | 176 |
| Assets per employee ($millions) | 3.1828% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2782% | 328 |
| Loan loss allowance to noncurrent loans | 148.6301% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 1,954 |
| Noncurrent loans to loans | 1.5328% | 1,090 |
| Net loans and leases to total assets | 48.7406% | 4,670 |
| Net loans and leases to deposits | 52.0931% | 4,908 |
| Net loans and leases to core deposits | 52.0931% | 4,991 |
| Total domestic deposits to total assets | 93.5644% | 22 |
| Equity capital to assets | 6.3151% | 5,496 |
| Core capital (leverage) ratio | 7.0739% | 5,479 |
| Tier 1 risk-based capital ratio | 12.8141% | 3,996 |
| Total risk-based capital ratio | 14.0897% | 3,901 |
| Memoranda: | ||
| Average total assets | $18,637,000 | 5,489 |
| Average earning assets | $16,841,330 | 5,483 |
| Average equity | $1,218,330 | 5,528 |
| Average total loans | $8,930,670 | 5,433 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,307 |
| Cost of funding earning assets | 0.1700% | 5,165 |
| Net interest margin | 3.9090% | 2,014 |
| Noninterest income to average assets | 0.6302% | 2,129 |
| Noninterest expense to average assets | 4.3462% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2173% | 5,452 |
| Return on assets (ROA) | -0.2173% | 5,446 |
| Pretax return on assets | -0.2173% | 5,443 |
| Return on Equity (ROE) | -3.2666% | 5,472 |
| Retained earnings to average equity (ytd only) | -3.2666% | 5,097 |
| Net charge-offs to loans | 0.1853% | 790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 2,682 |
| Efficiency ratio | 105.2632% | 129 |
| Assets per employee ($millions) | 2.6946% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 779 |
| Loan loss allowance to noncurrent loans | 52.6846% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 861 |
| Noncurrent loans to loans | 3.4249% | 309 |
| Net loans and leases to total assets | 45.2974% | 4,834 |
| Net loans and leases to deposits | 48.4491% | 5,026 |
| Net loans and leases to core deposits | 48.4491% | 5,088 |
| Total domestic deposits to total assets | 93.4949% | 25 |
| Equity capital to assets | 6.3991% | 5,547 |
| Core capital (leverage) ratio | 7.1518% | 5,538 |
| Tier 1 risk-based capital ratio | 13.7790% | 3,506 |
| Total risk-based capital ratio | 15.0241% | 3,410 |
| Memoranda: | ||
| Average total assets | $18,407,000 | 5,552 |
| Average earning assets | $16,475,000 | 5,547 |
| Average equity | $1,224,500 | 5,590 |
| Average total loans | $8,633,500 | 5,499 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 4,672 |
| Cost of funding earning assets | 0.1833% | 5,067 |
| Net interest margin | 3.3754% | 3,923 |
| Noninterest income to average assets | 0.4440% | 3,344 |
| Noninterest expense to average assets | 4.7669% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.6101% | 5,627 |
| Return on assets (ROA) | -1.6101% | 5,627 |
| Pretax return on assets | -1.2686% | 5,620 |
| Return on Equity (ROE) | -23.0802% | 5,648 |
| Retained earnings to average equity (ytd only) | -23.0802% | 5,628 |
| Net charge-offs to loans | 1.1180% | 152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -2.6000% | 4,057 |
| Efficiency ratio | 136.2622% | 37 |
| Assets per employee ($millions) | 2.5627% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 674 |
| Loan loss allowance to noncurrent loans | 90.9605% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 1,571 |
| Noncurrent loans to loans | 2.0663% | 731 |
| Net loans and leases to total assets | 46.8532% | 4,838 |
| Net loans and leases to deposits | 50.3263% | 5,050 |
| Net loans and leases to core deposits | 50.3263% | 5,126 |
| Total domestic deposits to total assets | 93.0988% | 31 |
| Equity capital to assets | 6.8510% | 5,592 |
| Core capital (leverage) ratio | 7.3795% | 5,574 |
| Tier 1 risk-based capital ratio | 14.3447% | 3,176 |
| Total risk-based capital ratio | 15.6043% | 3,074 |
| Memoranda: | ||
| Average total assets | $20,495,400 | 5,600 |
| Average earning assets | $18,546,200 | 5,589 |
| Average equity | $1,429,800 | 5,646 |
| Average total loans | $8,944,800 | 5,558 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,826 |
| Cost of funding earning assets | 0.2088% | 4,895 |
| Net interest margin | 3.2854% | 4,214 |
| Noninterest income to average assets | 0.4290% | 3,486 |
| Noninterest expense to average assets | 4.4855% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.5204% | 5,698 |
| Return on assets (ROA) | -1.5204% | 5,698 |
| Pretax return on assets | -1.0788% | 5,665 |
| Return on Equity (ROE) | -21.7115% | 5,714 |
| Retained earnings to average equity (ytd only) | -21.7115% | 5,686 |
| Net charge-offs to loans | 1.4897% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -1.6931% | 3,728 |
| Efficiency ratio | 131.6667% | 45 |
| Assets per employee ($millions) | 2.5843% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 796 |
| Loan loss allowance to noncurrent loans | 88.3978% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 1,700 |
| Noncurrent loans to loans | 2.0764% | 808 |
| Net loans and leases to total assets | 47.3024% | 4,868 |
| Net loans and leases to deposits | 51.3287% | 5,081 |
| Net loans and leases to core deposits | 51.3287% | 5,159 |
| Total domestic deposits to total assets | 92.1559% | 53 |
| Equity capital to assets | 7.7612% | 5,585 |
| Core capital (leverage) ratio | 7.7262% | 5,589 |
| Tier 1 risk-based capital ratio | 15.1761% | 2,848 |
| Total risk-based capital ratio | 16.4311% | 2,776 |
| Memoranda: | ||
| Average total assets | $21,134,500 | 5,652 |
| Average earning assets | $19,155,000 | 5,645 |
| Average equity | $1,480,000 | 5,710 |
| Average total loans | $9,039,500 | 5,622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 4,741 |
| Cost of funding earning assets | 0.2294% | 4,724 |
| Net interest margin | 3.2809% | 4,168 |
| Noninterest income to average assets | 0.5057% | 2,987 |
| Noninterest expense to average assets | 4.2981% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.4538% | 5,746 |
| Return on assets (ROA) | -1.4538% | 5,746 |
| Pretax return on assets | -0.8217% | 5,696 |
| Return on Equity (ROE) | -21.3907% | 5,758 |
| Retained earnings to average equity (ytd only) | -21.3907% | 5,725 |
| Net charge-offs to loans | -0.0656% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6364% | 57 |
| Assets per employee ($millions) | 2.4349% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8677% | 185 |
| Loan loss allowance to noncurrent loans | 107.7551% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.5042% | 1,007 |
| Noncurrent loans to loans | 2.6613% | 533 |
| Net loans and leases to total assets | 45.9058% | 4,957 |
| Net loans and leases to deposits | 49.7413% | 5,150 |
| Net loans and leases to core deposits | 49.7413% | 5,233 |
| Total domestic deposits to total assets | 92.2891% | 52 |
| Equity capital to assets | 7.6339% | 5,632 |
| Core capital (leverage) ratio | 7.5461% | 5,648 |
| Tier 1 risk-based capital ratio | 15.3095% | 2,795 |
| Total risk-based capital ratio | 16.5677% | 2,726 |
| Memoranda: | ||
| Average total assets | $22,149,330 | 5,691 |
| Average earning assets | $20,055,330 | 5,677 |
| Average equity | $1,505,330 | 5,761 |
| Average total loans | $9,147,000 | 5,665 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2833% | 5,134 |
| Cost of funding earning assets | 0.1898% | 5,068 |
| Net interest margin | 3.0935% | 4,665 |
| Noninterest income to average assets | 0.4599% | 3,254 |
| Noninterest expense to average assets | 5.2460% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.0098% | 5,818 |
| Return on assets (ROA) | -2.0098% | 5,818 |
| Pretax return on assets | -2.0098% | 5,814 |
| Return on Equity (ROE) | -31.1654% | 5,834 |
| Retained earnings to average equity (ytd only) | -31.1654% | 5,795 |
| Net charge-offs to loans | -0.0439% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.1053% | 27 |
| Assets per employee ($millions) | 2.9663% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8042% | 222 |
| Loan loss allowance to noncurrent loans | 159.7561% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 2,124 |
| Noncurrent loans to loans | 1.7553% | 1,082 |
| Net loans and leases to total assets | 38.2680% | 5,311 |
| Net loans and leases to deposits | 40.8355% | 5,443 |
| Net loans and leases to core deposits | 40.8355% | 5,495 |
| Total domestic deposits to total assets | 93.7126% | 21 |
| Equity capital to assets | 6.1989% | 5,803 |
| Core capital (leverage) ratio | 6.4743% | 5,795 |
| Tier 1 risk-based capital ratio | 13.0196% | 4,069 |
| Total risk-based capital ratio | 14.2967% | 3,955 |
| Memoranda: | ||
| Average total assets | $23,484,500 | 5,744 |
| Average earning assets | $21,076,500 | 5,731 |
| Average equity | $1,514,500 | 5,826 |
| Average total loans | $9,117,500 | 5,729 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 3,488 |
| Cost of funding earning assets | 0.2385% | 4,668 |
| Net interest margin | 3.6832% | 2,765 |
| Noninterest income to average assets | 0.2259% | 5,060 |
| Noninterest expense to average assets | 4.5044% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.9887% | 5,837 |
| Return on assets (ROA) | -0.9034% | 5,833 |
| Pretax return on assets | -0.9034% | 5,824 |
| Return on Equity (ROE) | -12.0770% | 5,848 |
| Retained earnings to average equity (ytd only) | -12.0770% | 5,805 |
| Net charge-offs to loans | -0.1312% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1212% | 65 |
| Assets per employee ($millions) | 2.3245% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9352% | 186 |
| Loan loss allowance to noncurrent loans | 121.3953% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 1,677 |
| Noncurrent loans to loans | 2.4179% | 659 |
| Net loans and leases to total assets | 37.1306% | 5,442 |
| Net loans and leases to deposits | 39.9454% | 5,555 |
| Net loans and leases to core deposits | 39.9454% | 5,597 |
| Total domestic deposits to total assets | 92.9533% | 41 |
| Equity capital to assets | 6.7283% | 5,819 |
| Core capital (leverage) ratio | 6.9693% | 5,812 |
| Tier 1 risk-based capital ratio | 13.0959% | 4,002 |
| Total risk-based capital ratio | 14.3586% | 3,914 |
| Memoranda: | ||
| Average total assets | $23,466,200 | 5,795 |
| Average earning assets | $20,960,200 | 5,786 |
| Average equity | $1,755,400 | 5,866 |
| Average total loans | $9,146,800 | 5,783 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,313 |
| Cost of funding earning assets | 0.2400% | 4,699 |
| Net interest margin | 3.7330% | 2,584 |
| Noninterest income to average assets | 0.1644% | 5,446 |
| Noninterest expense to average assets | 4.5291% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.0146% | 5,907 |
| Return on assets (ROA) | -0.9013% | 5,900 |
| Pretax return on assets | -0.9013% | 5,894 |
| Return on Equity (ROE) | -11.7560% | 5,913 |
| Retained earnings to average equity (ytd only) | -11.7560% | 5,862 |
| Net charge-offs to loans | -0.0434% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8710% | 59 |
| Assets per employee ($millions) | 2.8939% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7522% | 247 |
| Loan loss allowance to noncurrent loans | 120.9302% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 1,821 |
| Noncurrent loans to loans | 2.2759% | 810 |
| Net loans and leases to total assets | 39.6830% | 5,396 |
| Net loans and leases to deposits | 42.9199% | 5,549 |
| Net loans and leases to core deposits | 42.9199% | 5,613 |
| Total domestic deposits to total assets | 92.4582% | 51 |
| Equity capital to assets | 7.4208% | 5,851 |
| Core capital (leverage) ratio | 7.3457% | 5,848 |
| Tier 1 risk-based capital ratio | 15.5009% | 2,830 |
| Total risk-based capital ratio | 16.7580% | 2,757 |
| Memoranda: | ||
| Average total assets | $23,521,500 | 5,853 |
| Average earning assets | $21,108,750 | 5,844 |
| Average equity | $1,803,250 | 5,927 |
| Average total loans | $9,210,500 | 5,846 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 4,094 |
| Cost of funding earning assets | 0.2475% | 4,686 |
| Net interest margin | 3.5121% | 3,445 |
| Noninterest income to average assets | 0.4063% | 3,829 |
| Noninterest expense to average assets | 4.2833% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.7534% | 5,956 |
| Return on assets (ROA) | -0.5841% | 5,935 |
| Pretax return on assets | -0.5841% | 5,929 |
| Return on Equity (ROE) | -7.6103% | 5,958 |
| Retained earnings to average equity (ytd only) | -7.6103% | 5,832 |
| Net charge-offs to loans | -0.0438% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3429% | 86 |
| Assets per employee ($millions) | 2.6311% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5981% | 323 |
| Loan loss allowance to noncurrent loans | 46.8124% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.5000% | 552 |
| Noncurrent loans to loans | 5.5499% | 144 |
| Net loans and leases to total assets | 40.6883% | 5,388 |
| Net loans and leases to deposits | 44.0840% | 5,563 |
| Net loans and leases to core deposits | 44.0840% | 5,625 |
| Total domestic deposits to total assets | 92.2973% | 67 |
| Equity capital to assets | 7.5591% | 5,903 |
| Core capital (leverage) ratio | 6.6495% | 5,967 |
| Tier 1 risk-based capital ratio | 18.2036% | 1,877 |
| Total risk-based capital ratio | 19.5030% | 1,826 |
| Memoranda: | ||
| Average total assets | $23,626,670 | 5,927 |
| Average earning assets | $21,013,330 | 5,918 |
| Average equity | $1,813,330 | 6,001 |
| Average total loans | $9,131,670 | 5,923 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 3,654 |
| Cost of funding earning assets | 0.2625% | 4,583 |
| Net interest margin | 3.6193% | 3,007 |
| Noninterest income to average assets | 0.4068% | 3,771 |
| Noninterest expense to average assets | 4.0000% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3220% | 5,923 |
| Return on assets (ROA) | -0.0508% | 5,837 |
| Pretax return on assets | -0.0508% | 5,840 |
| Return on Equity (ROE) | -0.6575% | 5,854 |
| Retained earnings to average equity (ytd only) | -0.6575% | 5,230 |
| Net charge-offs to loans | -0.2742% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7558% | 167 |
| Assets per employee ($millions) | 2.7063% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8118% | 272 |
| Loan loss allowance to noncurrent loans | 114.3498% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 2,023 |
| Noncurrent loans to loans | 2.4589% | 775 |
| Net loans and leases to total assets | 36.1867% | 5,628 |
| Net loans and leases to deposits | 39.2973% | 5,733 |
| Net loans and leases to core deposits | 39.2973% | 5,791 |
| Total domestic deposits to total assets | 92.0844% | 104 |
| Equity capital to assets | 7.6775% | 5,912 |
| Core capital (leverage) ratio | 7.6224% | 5,895 |
| Tier 1 risk-based capital ratio | 15.3281% | 3,004 |
| Total risk-based capital ratio | 16.5926% | 2,942 |
| Memoranda: | ||
| Average total assets | $23,600,000 | 5,990 |
| Average earning assets | $21,330,000 | 5,978 |
| Average equity | $1,825,000 | 6,061 |
| Average total loans | $8,751,500 | 5,989 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 4,882 |
| Cost of funding earning assets | 0.2994% | 4,253 |
| Net interest margin | 3.2160% | 4,572 |
| Noninterest income to average assets | 0.4074% | 3,981 |
| Noninterest expense to average assets | 3.4278% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1029% | 5,923 |
| Return on assets (ROA) | -0.0946% | 5,941 |
| Pretax return on assets | -0.0946% | 5,930 |
| Return on Equity (ROE) | -1.2720% | 5,950 |
| Retained earnings to average equity (ytd only) | -1.2720% | 5,691 |
| Net charge-offs to loans | 0.0613% | 3,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 4,398 |
| Efficiency ratio | 103.0941% | 231 |
| Assets per employee ($millions) | 2.8554% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9523% | 232 |
| Loan loss allowance to noncurrent loans | 101.6327% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 1,696 |
| Noncurrent loans to loans | 2.9049% | 570 |
| Net loans and leases to total assets | 35.8315% | 5,719 |
| Net loans and leases to deposits | 38.8781% | 5,811 |
| Net loans and leases to core deposits | 38.8781% | 5,856 |
| Total domestic deposits to total assets | 92.1639% | 98 |
| Equity capital to assets | 7.7923% | 5,923 |
| Core capital (leverage) ratio | 8.4454% | 5,478 |
| Tier 1 risk-based capital ratio | 14.3949% | 3,498 |
| Total risk-based capital ratio | 15.6494% | 3,412 |
| Memoranda: | ||
| Average total assets | $24,301,400 | 6,037 |
| Average earning assets | $22,046,200 | 6,028 |
| Average equity | $1,808,200 | 6,119 |
| Average total loans | $8,158,600 | 6,058 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 4,933 |
| Cost of funding earning assets | 0.3114% | 4,207 |
| Net interest margin | 3.2104% | 4,640 |
| Noninterest income to average assets | 0.4486% | 3,724 |
| Noninterest expense to average assets | 3.2649% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0524% | 5,890 |
| Return on assets (ROA) | 0.0595% | 5,927 |
| Pretax return on assets | 0.0919% | 5,897 |
| Return on Equity (ROE) | 0.8082% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.8082% | 5,375 |
| Net charge-offs to loans | 0.1483% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,795 |
| Efficiency ratio | 97.5767% | 368 |
| Assets per employee ($millions) | 2.8321% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0028% | 241 |
| Loan loss allowance to noncurrent loans | 331.0811% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 4,461 |
| Noncurrent loans to loans | 0.9070% | 2,706 |
| Net loans and leases to total assets | 34.9296% | 5,821 |
| Net loans and leases to deposits | 38.0774% | 5,925 |
| Net loans and leases to core deposits | 38.0774% | 5,974 |
| Total domestic deposits to total assets | 91.7332% | 121 |
| Equity capital to assets | 8.2270% | 5,858 |
| Core capital (leverage) ratio | 8.0060% | 5,901 |
| Tier 1 risk-based capital ratio | 18.4522% | 1,914 |
| Total risk-based capital ratio | 19.7269% | 1,868 |
| Memoranda: | ||
| Average total assets | $24,666,000 | 6,116 |
| Average earning assets | $22,260,750 | 6,110 |
| Average equity | $1,815,250 | 6,204 |
| Average total loans | $8,089,750 | 6,142 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 5,159 |
| Cost of funding earning assets | 0.3264% | 4,091 |
| Net interest margin | 3.1050% | 4,958 |
| Noninterest income to average assets | 0.4105% | 4,003 |
| Noninterest expense to average assets | 3.2208% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0316% | 6,013 |
| Return on assets (ROA) | -0.0237% | 6,040 |
| Pretax return on assets | -0.0237% | 6,033 |
| Return on Equity (ROE) | -0.3335% | 6,050 |
| Retained earnings to average equity (ytd only) | -0.3335% | 5,575 |
| Net charge-offs to loans | 0.4215% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.2353% | 3,728 |
| Efficiency ratio | 100.9901% | 300 |
| Assets per employee ($millions) | 2.2854% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9503% | 283 |
| Loan loss allowance to noncurrent loans | 77.4510% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 1,873 |
| Noncurrent loans to loans | 3.8093% | 428 |
| Net loans and leases to total assets | 34.1122% | 5,902 |
| Net loans and leases to deposits | 36.9514% | 6,002 |
| Net loans and leases to core deposits | 36.9514% | 6,047 |
| Total domestic deposits to total assets | 92.3164% | 100 |
| Equity capital to assets | 7.6354% | 6,089 |
| Core capital (leverage) ratio | 7.5420% | 6,088 |
| Tier 1 risk-based capital ratio | 17.2562% | 2,302 |
| Total risk-based capital ratio | 18.5146% | 2,258 |
| Memoranda: | ||
| Average total assets | $25,335,670 | 6,183 |
| Average earning assets | $22,673,000 | 6,168 |
| Average equity | $1,799,000 | 6,279 |
| Average total loans | $8,066,670 | 6,216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 5,157 |
| Cost of funding earning assets | 0.3457% | 3,916 |
| Net interest margin | 3.0770% | 5,011 |
| Noninterest income to average assets | 0.4816% | 3,410 |
| Noninterest expense to average assets | 3.0553% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0656% | 5,936 |
| Return on assets (ROA) | 0.0753% | 5,972 |
| Pretax return on assets | 0.1204% | 5,928 |
| Return on Equity (ROE) | 1.0953% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.0953% | 5,046 |
| Net charge-offs to loans | 0.6433% | 375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.5385% | 3,034 |
| Efficiency ratio | 96.6667% | 476 |
| Assets per employee ($millions) | 2.9152% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9797% | 303 |
| Loan loss allowance to noncurrent loans | 76.2658% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 2,154 |
| Noncurrent loans to loans | 3.9070% | 452 |
| Net loans and leases to total assets | 29.9081% | 6,076 |
| Net loans and leases to deposits | 32.3801% | 6,150 |
| Net loans and leases to core deposits | 32.9305% | 6,165 |
| Total domestic deposits to total assets | 92.3657% | 111 |
| Equity capital to assets | 7.2188% | 6,236 |
| Core capital (leverage) ratio | 7.0118% | 6,238 |
| Tier 1 risk-based capital ratio | 13.1908% | 4,505 |
| Total risk-based capital ratio | 14.4414% | 4,418 |
| Memoranda: | ||
| Average total assets | $26,576,500 | 6,226 |
| Average earning assets | $23,139,500 | 6,225 |
| Average equity | $1,826,000 | 6,339 |
| Average total loans | $8,083,500 | 6,282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 5,342 |
| Cost of funding earning assets | 0.3476% | 4,279 |
| Net interest margin | 3.1408% | 5,094 |
| Noninterest income to average assets | 0.5122% | 3,406 |
| Noninterest expense to average assets | 3.1141% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1485% | 5,882 |
| Return on assets (ROA) | 0.3675% | 5,401 |
| Pretax return on assets | 0.3675% | 5,567 |
| Return on Equity (ROE) | 6.4378% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.4378% | 1,687 |
| Net charge-offs to loans | 0.6092% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 4,556 |
| Efficiency ratio | 95.4494% | 525 |
| Assets per employee ($millions) | 2.6916% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1440% | 253 |
| Loan loss allowance to noncurrent loans | 79.3750% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 2,319 |
| Noncurrent loans to loans | 3.9609% | 474 |
| Net loans and leases to total assets | 29.0719% | 6,204 |
| Net loans and leases to deposits | 31.1294% | 6,277 |
| Net loans and leases to core deposits | 32.8478% | 6,264 |
| Total domestic deposits to total assets | 93.3905% | 50 |
| Equity capital to assets | 6.5314% | 6,376 |
| Core capital (leverage) ratio | 6.6552% | 6,350 |
| Tier 1 risk-based capital ratio | 12.5311% | 5,021 |
| Total risk-based capital ratio | 13.7898% | 4,932 |
| Memoranda: | ||
| Average total assets | $26,942,000 | 6,317 |
| Average earning assets | $23,592,600 | 6,303 |
| Average equity | $1,537,800 | 6,456 |
| Average total loans | $7,878,800 | 6,375 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,605 |
| Cost of funding earning assets | 0.3465% | 4,377 |
| Net interest margin | 3.0460% | 5,389 |
| Noninterest income to average assets | 0.5244% | 3,371 |
| Noninterest expense to average assets | 3.0477% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1141% | 6,008 |
| Return on assets (ROA) | 0.3067% | 5,633 |
| Pretax return on assets | 0.4651% | 5,418 |
| Return on Equity (ROE) | 5.5748% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.5748% | 2,686 |
| Net charge-offs to loans | 1.4135% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.4217% | 4,393 |
| Efficiency ratio | 94.6237% | 563 |
| Assets per employee ($millions) | 2.6598% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6626% | 514 |
| Loan loss allowance to noncurrent loans | 53.5452% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 1,938 |
| Noncurrent loans to loans | 4.9726% | 371 |
| Net loans and leases to total assets | 30.1000% | 6,243 |
| Net loans and leases to deposits | 32.0805% | 6,342 |
| Net loans and leases to core deposits | 33.8649% | 6,325 |
| Total domestic deposits to total assets | 93.8266% | 47 |
| Equity capital to assets | 6.1095% | 6,470 |
| Core capital (leverage) ratio | 6.8306% | 6,399 |
| Tier 1 risk-based capital ratio | 12.2601% | 5,323 |
| Total risk-based capital ratio | 13.5146% | 5,245 |
| Memoranda: | ||
| Average total assets | $26,948,500 | 6,389 |
| Average earning assets | $23,855,750 | 6,371 |
| Average equity | $1,482,750 | 6,540 |
| Average total loans | $7,828,750 | 6,452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 5,873 |
| Cost of funding earning assets | 0.3498% | 4,440 |
| Net interest margin | 2.8987% | 5,737 |
| Noninterest income to average assets | 0.4286% | 4,038 |
| Noninterest expense to average assets | 3.0149% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0148% | 6,196 |
| Return on assets (ROA) | 0.0443% | 6,168 |
| Pretax return on assets | 0.0443% | 6,156 |
| Return on Equity (ROE) | 0.8360% | 6,082 |
| Retained earnings to average equity (ytd only) | 0.8360% | 5,415 |
| Net charge-offs to loans | 2.6765% | 74 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.0194% | 4,130 |
| Efficiency ratio | 100.4926% | 389 |
| Assets per employee ($millions) | 2.7029% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5562% | 662 |
| Loan loss allowance to noncurrent loans | 62.3824% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 2,223 |
| Noncurrent loans to loans | 4.0976% | 572 |
| Net loans and leases to total assets | 28.0662% | 6,358 |
| Net loans and leases to deposits | 29.8297% | 6,431 |
| Net loans and leases to core deposits | 31.7778% | 6,414 |
| Total domestic deposits to total assets | 94.0878% | 48 |
| Equity capital to assets | 5.8197% | 6,545 |
| Core capital (leverage) ratio | 6.4684% | 6,496 |
| Tier 1 risk-based capital ratio | 12.3970% | 5,302 |
| Total risk-based capital ratio | 13.6505% | 5,220 |
| Memoranda: | ||
| Average total assets | $27,065,330 | 6,451 |
| Average earning assets | $24,011,000 | 6,431 |
| Average equity | $1,435,330 | 6,608 |
| Average total loans | $7,696,670 | 6,519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2792% | 5,882 |
| Cost of funding earning assets | 0.3513% | 4,527 |
| Net interest margin | 2.9278% | 5,695 |
| Noninterest income to average assets | 0.3840% | 4,321 |
| Noninterest expense to average assets | 3.1311% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1625% | 6,333 |
| Return on assets (ROA) | -0.0443% | 6,253 |
| Pretax return on assets | -0.0443% | 6,245 |
| Return on Equity (ROE) | -0.8782% | 6,286 |
| Retained earnings to average equity (ytd only) | -0.8782% | 5,707 |
| Net charge-offs to loans | -0.2091% | 6,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4726% | 344 |
| Assets per employee ($millions) | 2.7864% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0562% | 180 |
| Loan loss allowance to noncurrent loans | 73.2057% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 1,978 |
| Noncurrent loans to loans | 5.5408% | 358 |
| Net loans and leases to total assets | 25.9762% | 6,471 |
| Net loans and leases to deposits | 27.3980% | 6,519 |
| Net loans and leases to core deposits | 29.7652% | 6,500 |
| Total domestic deposits to total assets | 94.8105% | 38 |
| Equity capital to assets | 5.1285% | 6,624 |
| Core capital (leverage) ratio | 6.2623% | 6,556 |
| Tier 1 risk-based capital ratio | 12.2627% | 5,463 |
| Total risk-based capital ratio | 13.5234% | 5,394 |
| Memoranda: | ||
| Average total assets | $27,083,500 | 6,514 |
| Average earning assets | $23,908,500 | 6,500 |
| Average equity | $1,366,500 | 6,679 |
| Average total loans | $7,652,500 | 6,587 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 5,021 |
| Cost of funding earning assets | 0.4235% | 4,393 |
| Net interest margin | 3.3114% | 4,620 |
| Noninterest income to average assets | 0.4601% | 4,018 |
| Noninterest expense to average assets | 3.1841% | 2,467 |
| Loan and lease loss provision to assets | 0.7362% | 299 |
| Net operating income to assets | -0.5374% | 6,503 |
| Return on assets (ROA) | -0.5301% | 6,510 |
| Pretax return on assets | -0.4307% | 6,465 |
| Return on Equity (ROE) | -7.9876% | 6,555 |
| Retained earnings to average equity (ytd only) | -8.7641% | 6,512 |
| Net charge-offs to loans | 1.6959% | 257 |
| Credit loss provision to net charge-offs | 149.2537% | 1,557 |
| Earnings coverage of net charge-offs (x) | 0.6045% | 4,881 |
| Efficiency ratio | 91.4376% | 916 |
| Assets per employee ($millions) | 2.3912% | 6,465 |
| Cash dividends to net income (ytd only)* | -9.7222% | 6,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8913% | 217 |
| Loan loss allowance to noncurrent loans | 71.3948% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.9009% | 1,905 |
| Noncurrent loans to loans | 5.4503% | 420 |
| Net loans and leases to total assets | 28.3580% | 6,515 |
| Net loans and leases to deposits | 29.8599% | 6,586 |
| Net loans and leases to core deposits | 31.8448% | 6,565 |
| Total domestic deposits to total assets | 94.9702% | 48 |
| Equity capital to assets | 4.9576% | 6,693 |
| Core capital (leverage) ratio | 6.4584% | 6,600 |
| Tier 1 risk-based capital ratio | 10.9703% | 6,186 |
| Total risk-based capital ratio | 12.2312% | 6,129 |
| Memoranda: | ||
| Average total assets | $27,166,600 | 6,581 |
| Average earning assets | $24,793,400 | 6,555 |
| Average equity | $1,802,800 | 6,717 |
| Average total loans | $7,901,600 | 6,654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 5,078 |
| Cost of funding earning assets | 0.4487% | 4,290 |
| Net interest margin | 3.2850% | 4,695 |
| Noninterest income to average assets | 0.4431% | 4,203 |
| Noninterest expense to average assets | 3.0238% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2902% | 5,648 |
| Return on assets (ROA) | 0.2970% | 5,742 |
| Pretax return on assets | 0.4236% | 5,569 |
| Return on Equity (ROE) | 4.2195% | 5,122 |
| Retained earnings to average equity (ytd only) | 4.2195% | 3,682 |
| Net charge-offs to loans | -1.4112% | 6,840 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9603% | 1,182 |
| Assets per employee ($millions) | 2.2168% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9890% | 241 |
| Loan loss allowance to noncurrent loans | 58.5009% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.3458% | 1,678 |
| Noncurrent loans to loans | 6.8187% | 312 |
| Net loans and leases to total assets | 28.9538% | 6,568 |
| Net loans and leases to deposits | 30.8487% | 6,647 |
| Net loans and leases to core deposits | 32.9005% | 6,631 |
| Total domestic deposits to total assets | 93.8574% | 78 |
| Equity capital to assets | 6.0298% | 6,694 |
| Core capital (leverage) ratio | 7.3111% | 6,508 |
| Tier 1 risk-based capital ratio | 12.1572% | 5,678 |
| Total risk-based capital ratio | 13.4273% | 5,602 |
| Memoranda: | ||
| Average total assets | $27,382,500 | 6,652 |
| Average earning assets | $24,961,250 | 6,628 |
| Average equity | $1,927,500 | 6,778 |
| Average total loans | $7,936,750 | 6,725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 5,121 |
| Cost of funding earning assets | 0.5012% | 3,885 |
| Net interest margin | 3.2060% | 4,927 |
| Noninterest income to average assets | 0.4703% | 4,025 |
| Noninterest expense to average assets | 3.0749% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2282% | 5,824 |
| Return on assets (ROA) | 0.2388% | 5,925 |
| Pretax return on assets | 0.3256% | 5,808 |
| Return on Equity (ROE) | 3.2427% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.2427% | 4,243 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8120% | 998 |
| Assets per employee ($millions) | 2.7183% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0260% | 570 |
| Loan loss allowance to noncurrent loans | 42.2182% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.3397% | 1,839 |
| Noncurrent loans to loans | 7.1676% | 327 |
| Net loans and leases to total assets | 27.8225% | 6,634 |
| Net loans and leases to deposits | 29.6670% | 6,707 |
| Net loans and leases to core deposits | 31.5941% | 6,692 |
| Total domestic deposits to total assets | 93.7829% | 73 |
| Equity capital to assets | 5.4887% | 6,793 |
| Core capital (leverage) ratio | 7.0115% | 6,611 |
| Tier 1 risk-based capital ratio | 12.6700% | 5,377 |
| Total risk-based capital ratio | 13.9210% | 5,319 |
| Memoranda: | ||
| Average total assets | $27,643,000 | 6,701 |
| Average earning assets | $25,140,670 | 6,675 |
| Average equity | $2,035,330 | 6,813 |
| Average total loans | $7,908,330 | 6,773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 5,309 |
| Cost of funding earning assets | 0.5661% | 3,416 |
| Net interest margin | 3.0819% | 5,327 |
| Noninterest income to average assets | 0.4305% | 4,246 |
| Noninterest expense to average assets | 3.1715% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0718% | 6,203 |
| Return on assets (ROA) | 0.0861% | 6,264 |
| Pretax return on assets | 0.0861% | 6,279 |
| Return on Equity (ROE) | 1.0403% | 6,213 |
| Retained earnings to average equity (ytd only) | 1.0403% | 5,435 |
| Net charge-offs to loans | 0.1005% | 2,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,014 |
| Efficiency ratio | 97.7876% | 643 |
| Assets per employee ($millions) | 2.9310% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9276% | 710 |
| Loan loss allowance to noncurrent loans | 62.9032% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6581% | 2,788 |
| Noncurrent loans to loans | 4.6541% | 870 |
| Net loans and leases to total assets | 26.4722% | 6,717 |
| Net loans and leases to deposits | 28.8546% | 6,770 |
| Net loans and leases to core deposits | 29.7542% | 6,770 |
| Total domestic deposits to total assets | 91.7434% | 299 |
| Equity capital to assets | 7.8437% | 6,453 |
| Core capital (leverage) ratio | 6.9110% | 6,668 |
| Tier 1 risk-based capital ratio | 12.6716% | 5,451 |
| Total risk-based capital ratio | 13.9270% | 5,401 |
| Memoranda: | ||
| Average total assets | $27,873,000 | 6,760 |
| Average earning assets | $25,438,500 | 6,733 |
| Average equity | $2,307,000 | 6,847 |
| Average total loans | $7,963,000 | 6,848 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 4,912 |
| Cost of funding earning assets | 0.7314% | 3,242 |
| Net interest margin | 3.3785% | 4,965 |
| Noninterest income to average assets | 0.4898% | 3,970 |
| Noninterest expense to average assets | 3.4631% | 1,919 |
| Loan and lease loss provision to assets | 1.1174% | 333 |
| Net operating income to assets | -0.7607% | 6,665 |
| Return on assets (ROA) | -0.0383% | 6,334 |
| Pretax return on assets | 0.0077% | 6,273 |
| Return on Equity (ROE) | -0.4423% | 6,345 |
| Retained earnings to average equity (ytd only) | -0.8846% | 5,999 |
| Net charge-offs to loans | 3.7032% | 90 |
| Credit loss provision to net charge-offs | 90.4025% | 3,463 |
| Earnings coverage of net charge-offs (x) | -0.0031% | 5,485 |
| Efficiency ratio | 97.0133% | 661 |
| Assets per employee ($millions) | 2.4033% | 6,704 |
| Cash dividends to net income (ytd only)* | -100.0000% | 7,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9749% | 680 |
| Loan loss allowance to noncurrent loans | 54.0046% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.0881% | 2,347 |
| Noncurrent loans to loans | 5.5086% | 671 |
| Net loans and leases to total assets | 29.1156% | 6,727 |
| Net loans and leases to deposits | 32.0682% | 6,786 |
| Net loans and leases to core deposits | 32.0682% | 6,808 |
| Total domestic deposits to total assets | 90.7929% | 572 |
| Equity capital to assets | 8.7570% | 5,786 |
| Core capital (leverage) ratio | 7.2731% | 6,599 |
| Tier 1 risk-based capital ratio | 13.2046% | 4,962 |
| Total risk-based capital ratio | 14.4557% | 4,903 |
| Memoranda: | ||
| Average total assets | $26,133,000 | 6,837 |
| Average earning assets | $22,968,600 | 6,838 |
| Average equity | $2,261,000 | 6,917 |
| Average total loans | $8,722,200 | 6,897 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 4,943 |
| Cost of funding earning assets | 0.7669% | 3,222 |
| Net interest margin | 3.3956% | 5,050 |
| Noninterest income to average assets | 0.4912% | 3,979 |
| Noninterest expense to average assets | 3.3106% | 2,241 |
| Loan and lease loss provision to assets | 1.4941% | 214 |
| Net operating income to assets | -1.3457% | 6,934 |
| Return on assets (ROA) | 0.1638% | 6,150 |
| Pretax return on assets | 0.1638% | 6,180 |
| Return on Equity (ROE) | 1.8986% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.8986% | 5,386 |
| Net charge-offs to loans | 4.8283% | 43 |
| Credit loss provision to net charge-offs | 90.4025% | 3,278 |
| Earnings coverage of net charge-offs (x) | 0.0898% | 5,292 |
| Efficiency ratio | 95.7101% | 691 |
| Assets per employee ($millions) | 2.3600% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8328% | 858 |
| Loan loss allowance to noncurrent loans | 134.8571% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.1094% | 4,082 |
| Noncurrent loans to loans | 2.1006% | 2,738 |
| Net loans and leases to total assets | 31.1826% | 6,770 |
| Net loans and leases to deposits | 34.4380% | 6,851 |
| Net loans and leases to core deposits | 34.4380% | 6,891 |
| Total domestic deposits to total assets | 90.5470% | 581 |
| Equity capital to assets | 9.0447% | 5,781 |
| Core capital (leverage) ratio | 7.6028% | 6,560 |
| Tier 1 risk-based capital ratio | 17.7752% | 2,434 |
| Total risk-based capital ratio | 19.0403% | 2,395 |
| Memoranda: | ||
| Average total assets | $26,057,250 | 6,925 |
| Average earning assets | $22,774,000 | 6,932 |
| Average equity | $2,247,500 | 7,012 |
| Average total loans | $8,919,500 | 6,980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 5,455 |
| Cost of funding earning assets | 0.7897% | 3,277 |
| Net interest margin | 3.2706% | 5,530 |
| Noninterest income to average assets | 0.4983% | 3,932 |
| Noninterest expense to average assets | 3.3806% | 2,077 |
| Loan and lease loss provision to assets | 1.5332% | 230 |
| Net operating income to assets | -1.4948% | 7,018 |
| Return on assets (ROA) | -0.6286% | 6,816 |
| Pretax return on assets | -0.6286% | 6,788 |
| Return on Equity (ROE) | -7.4074% | 6,844 |
| Retained earnings to average equity (ytd only) | -7.4074% | 6,736 |
| Net charge-offs to loans | 4.2125% | 101 |
| Credit loss provision to net charge-offs | 104.1667% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.0260% | 5,066 |
| Efficiency ratio | 98.8789% | 598 |
| Assets per employee ($millions) | 2.1822% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1748% | 663 |
| Loan loss allowance to noncurrent loans | 70.1531% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 3,261 |
| Noncurrent loans to loans | 4.5255% | 1,167 |
| Net loans and leases to total assets | 32.0286% | 6,803 |
| Net loans and leases to deposits | 35.2558% | 6,892 |
| Net loans and leases to core deposits | 35.2558% | 6,930 |
| Total domestic deposits to total assets | 90.8463% | 508 |
| Equity capital to assets | 8.7986% | 5,912 |
| Core capital (leverage) ratio | 7.0974% | 6,787 |
| Tier 1 risk-based capital ratio | 10.9450% | 6,527 |
| Total risk-based capital ratio | 12.1979% | 6,503 |
| Memoranda: | ||
| Average total assets | $26,089,670 | 6,985 |
| Average earning assets | $23,298,670 | 6,978 |
| Average equity | $2,214,000 | 7,062 |
| Average total loans | $9,115,670 | 7,036 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 5,751 |
| Cost of funding earning assets | 0.8478% | 3,085 |
| Net interest margin | 3.1539% | 5,898 |
| Noninterest income to average assets | 0.4608% | 4,218 |
| Noninterest expense to average assets | 3.3178% | 2,237 |
| Loan and lease loss provision to assets | 3.0720% | 72 |
| Net operating income to assets | -3.0720% | 7,225 |
| Return on assets (ROA) | -3.0720% | 7,225 |
| Pretax return on assets | -3.0720% | 7,212 |
| Return on Equity (ROE) | -36.8834% | 7,191 |
| Retained earnings to average equity (ytd only) | -36.8834% | 7,173 |
| Net charge-offs to loans | 8.5630% | 29 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,371 |
| Efficiency ratio | 100.0000% | 551 |
| Assets per employee ($millions) | 2.2181% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9168% | 898 |
| Loan loss allowance to noncurrent loans | 46.3542% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 2.1640% | 2,718 |
| Noncurrent loans to loans | 6.2923% | 767 |
| Net loans and leases to total assets | 33.3884% | 6,767 |
| Net loans and leases to deposits | 36.3313% | 6,879 |
| Net loans and leases to core deposits | 36.3313% | 6,933 |
| Total domestic deposits to total assets | 91.8999% | 284 |
| Equity capital to assets | 7.7620% | 6,653 |
| Core capital (leverage) ratio | 6.6901% | 6,933 |
| Tier 1 risk-based capital ratio | 9.5719% | 6,951 |
| Total risk-based capital ratio | 10.8242% | 6,947 |
| Memoranda: | ||
| Average total assets | $26,041,500 | 7,049 |
| Average earning assets | $23,590,000 | 7,030 |
| Average equity | $2,169,000 | 7,121 |
| Average total loans | $9,342,500 | 7,090 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 2,921 |
| Cost of funding earning assets | 1.1175% | 2,552 |
| Net interest margin | 3.8730% | 3,457 |
| Noninterest income to average assets | 0.4251% | 4,405 |
| Noninterest expense to average assets | 3.6815% | 1,571 |
| Loan and lease loss provision to assets | 0.1203% | 5,098 |
| Net operating income to assets | 0.0602% | 5,945 |
| Return on assets (ROA) | 0.0602% | 6,058 |
| Pretax return on assets | 0.0842% | 5,991 |
| Return on Equity (ROE) | 0.7289% | 6,017 |
| Retained earnings to average equity (ytd only) | 0.7289% | 5,510 |
| Net charge-offs to loans | 0.8545% | 2,032 |
| Credit loss provision to net charge-offs | 34.4828% | 5,719 |
| Earnings coverage of net charge-offs (x) | 0.5862% | 5,385 |
| Efficiency ratio | 94.7368% | 880 |
| Assets per employee ($millions) | 2.1222% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8014% | 979 |
| Loan loss allowance to noncurrent loans | 33.7975% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 1,912 |
| Noncurrent loans to loans | 8.2887% | 473 |
| Net loans and leases to total assets | 36.3779% | 6,741 |
| Net loans and leases to deposits | 40.0917% | 6,878 |
| Net loans and leases to core deposits | 40.0917% | 6,942 |
| Total domestic deposits to total assets | 90.7367% | 609 |
| Equity capital to assets | 8.9217% | 5,651 |
| Core capital (leverage) ratio | 7.4924% | 6,651 |
| Tier 1 risk-based capital ratio | 10.2495% | 6,782 |
| Total risk-based capital ratio | 11.4995% | 6,765 |
| Memoranda: | ||
| Average total assets | $24,935,200 | 7,105 |
| Average earning assets | $22,282,600 | 7,099 |
| Average equity | $2,057,800 | 7,199 |
| Average total loans | $10,181,800 | 7,111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 2,066 |
| Cost of funding earning assets | 1.1587% | 2,578 |
| Net interest margin | 4.0797% | 2,553 |
| Noninterest income to average assets | 0.4516% | 4,280 |
| Noninterest expense to average assets | 3.6770% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2957% | 5,409 |
| Return on assets (ROA) | 0.2957% | 5,586 |
| Pretax return on assets | 0.4085% | 5,443 |
| Return on Equity (ROE) | 3.6587% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.6587% | 4,148 |
| Net charge-offs to loans | 0.5542% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.7675% | 4,329 |
| Efficiency ratio | 90.0000% | 1,165 |
| Assets per employee ($millions) | 2.0649% | 7,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9149% | 922 |
| Loan loss allowance to noncurrent loans | 43.2974% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.6393% | 2,453 |
| Noncurrent loans to loans | 6.7324% | 759 |
| Net loans and leases to total assets | 37.7699% | 6,782 |
| Net loans and leases to deposits | 41.8392% | 6,916 |
| Net loans and leases to core deposits | 41.8392% | 6,987 |
| Total domestic deposits to total assets | 90.2740% | 734 |
| Equity capital to assets | 9.2699% | 5,427 |
| Core capital (leverage) ratio | 8.0912% | 6,293 |
| Tier 1 risk-based capital ratio | 11.7724% | 6,054 |
| Total risk-based capital ratio | 13.0367% | 6,037 |
| Memoranda: | ||
| Average total assets | $24,802,500 | 7,178 |
| Average earning assets | $22,092,500 | 7,176 |
| Average equity | $2,004,250 | 7,280 |
| Average total loans | $10,344,500 | 7,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 1,906 |
| Cost of funding earning assets | 1.1408% | 2,967 |
| Net interest margin | 4.1563% | 2,205 |
| Noninterest income to average assets | 0.4595% | 4,201 |
| Noninterest expense to average assets | 3.6356% | 1,658 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4272% | 4,826 |
| Return on assets (ROA) | 0.4272% | 4,975 |
| Pretax return on assets | 0.6126% | 4,704 |
| Return on Equity (ROE) | 5.5594% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.5594% | 2,659 |
| Net charge-offs to loans | -0.0378% | 6,985 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5787% | 1,639 |
| Assets per employee ($millions) | 2.0800% | 7,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1540% | 793 |
| Loan loss allowance to noncurrent loans | 58.4229% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.2356% | 2,935 |
| Noncurrent loans to loans | 5.3986% | 1,177 |
| Net loans and leases to total assets | 40.1042% | 6,736 |
| Net loans and leases to deposits | 43.9131% | 6,924 |
| Net loans and leases to core deposits | 43.9131% | 7,007 |
| Total domestic deposits to total assets | 91.3261% | 386 |
| Equity capital to assets | 8.2973% | 6,429 |
| Core capital (leverage) ratio | 7.8821% | 6,428 |
| Tier 1 risk-based capital ratio | 11.4953% | 6,170 |
| Total risk-based capital ratio | 12.7530% | 6,151 |
| Memoranda: | ||
| Average total assets | $24,810,330 | 7,245 |
| Average earning assets | $22,616,330 | 7,229 |
| Average equity | $1,906,670 | 7,361 |
| Average total loans | $10,579,330 | 7,237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 1,810 |
| Cost of funding earning assets | 1.1308% | 3,295 |
| Net interest margin | 4.1876% | 1,934 |
| Noninterest income to average assets | 0.4690% | 4,125 |
| Noninterest expense to average assets | 3.5415% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5660% | 4,207 |
| Return on assets (ROA) | 0.5660% | 4,279 |
| Pretax return on assets | 0.7600% | 4,059 |
| Return on Equity (ROE) | 7.6733% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.6733% | 1,850 |
| Net charge-offs to loans | -0.0374% | 6,789 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3308% | 2,176 |
| Assets per employee ($millions) | 2.1202% | 7,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1032% | 833 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.7884% | 3,590 |
| Noncurrent loans to loans | 4.3445% | 1,626 |
| Net loans and leases to total assets | 39.8868% | 6,783 |
| Net loans and leases to deposits | 43.2087% | 6,980 |
| Net loans and leases to core deposits | 43.2087% | 7,067 |
| Total domestic deposits to total assets | 92.3119% | 210 |
| Equity capital to assets | 7.4247% | 6,908 |
| Core capital (leverage) ratio | 7.8948% | 6,372 |
| Tier 1 risk-based capital ratio | 12.3976% | 5,355 |
| Total risk-based capital ratio | 13.6551% | 5,335 |
| Memoranda: | ||
| Average total assets | $24,735,500 | 7,297 |
| Average earning assets | $22,638,000 | 7,272 |
| Average equity | $1,824,500 | 7,428 |
| Average total loans | $10,701,000 | 7,294 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6808% | 1,640 |
| Cost of funding earning assets | 1.3760% | 3,417 |
| Net interest margin | 4.3048% | 1,806 |
| Noninterest income to average assets | 0.5261% | 3,982 |
| Noninterest expense to average assets | 3.8778% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3649% | 4,694 |
| Return on assets (ROA) | 0.3649% | 4,845 |
| Pretax return on assets | 0.4709% | 4,721 |
| Return on Equity (ROE) | 4.4998% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.7673% | 3,230 |
| Net charge-offs to loans | -0.1572% | 7,532 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1707% | 1,385 |
| Assets per employee ($millions) | 2.0024% | 7,421 |
| Cash dividends to net income (ytd only)* | 16.2791% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9646% | 900 |
| Loan loss allowance to noncurrent loans | 53.2020% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.5344% | 2,732 |
| Noncurrent loans to loans | 5.5723% | 1,173 |
| Net loans and leases to total assets | 44.1342% | 6,700 |
| Net loans and leases to deposits | 47.7445% | 6,960 |
| Net loans and leases to core deposits | 47.7445% | 7,084 |
| Total domestic deposits to total assets | 92.4383% | 197 |
| Equity capital to assets | 7.3245% | 6,986 |
| Core capital (leverage) ratio | 7.8142% | 6,422 |
| Tier 1 risk-based capital ratio | 10.9457% | 6,367 |
| Total risk-based capital ratio | 12.2005% | 6,337 |
| Memoranda: | ||
| Average total assets | $23,569,800 | 7,382 |
| Average earning assets | $20,930,000 | 7,380 |
| Average equity | $1,911,200 | 7,517 |
| Average total loans | $10,812,600 | 7,358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 1,782 |
| Cost of funding earning assets | 1.4440% | 3,305 |
| Net interest margin | 4.2348% | 2,090 |
| Noninterest income to average assets | 0.5059% | 4,135 |
| Noninterest expense to average assets | 3.8370% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3865% | 4,810 |
| Return on assets (ROA) | 0.3865% | 4,994 |
| Pretax return on assets | 0.3865% | 5,256 |
| Return on Equity (ROE) | 4.6516% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.5834% | 3,283 |
| Net charge-offs to loans | -0.1236% | 7,577 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8479% | 1,218 |
| Assets per employee ($millions) | 1.9911% | 7,522 |
| Cash dividends to net income (ytd only)* | 1.4670% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0277% | 803 |
| Loan loss allowance to noncurrent loans | 60.2662% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.2015% | 3,200 |
| Noncurrent loans to loans | 5.0239% | 1,372 |
| Net loans and leases to total assets | 42.4936% | 6,949 |
| Net loans and leases to deposits | 46.5884% | 7,145 |
| Net loans and leases to core deposits | 46.5884% | 7,248 |
| Total domestic deposits to total assets | 91.2108% | 380 |
| Equity capital to assets | 8.5381% | 6,234 |
| Core capital (leverage) ratio | 8.1540% | 6,111 |
| Tier 1 risk-based capital ratio | 12.3580% | 5,108 |
| Total risk-based capital ratio | 13.6170% | 5,080 |
| Memoranda: | ||
| Average total assets | $23,455,000 | 7,481 |
| Average earning assets | $20,590,750 | 7,481 |
| Average equity | $1,949,000 | 7,608 |
| Average total loans | $10,783,500 | 7,458 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7722% | 1,504 |
| Cost of funding earning assets | 1.5164% | 3,157 |
| Net interest margin | 4.2558% | 1,939 |
| Noninterest income to average assets | 0.4805% | 4,284 |
| Noninterest expense to average assets | 3.8783% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3346% | 5,049 |
| Return on assets (ROA) | 0.3346% | 5,206 |
| Pretax return on assets | 0.3346% | 5,409 |
| Return on Equity (ROE) | 4.0653% | 4,748 |
| Retained earnings to average equity (ytd only) | 3.9611% | 3,560 |
| Net charge-offs to loans | -0.1653% | 7,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0570% | 1,183 |
| Assets per employee ($millions) | 1.8375% | 7,636 |
| Cash dividends to net income (ytd only)* | 2.5641% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9596% | 853 |
| Loan loss allowance to noncurrent loans | 62.4506% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.1183% | 3,351 |
| Noncurrent loans to loans | 4.7392% | 1,495 |
| Net loans and leases to total assets | 43.3751% | 6,964 |
| Net loans and leases to deposits | 47.3711% | 7,192 |
| Net loans and leases to core deposits | 47.3711% | 7,309 |
| Total domestic deposits to total assets | 91.5644% | 317 |
| Equity capital to assets | 8.1969% | 6,549 |
| Core capital (leverage) ratio | 8.0454% | 6,205 |
| Tier 1 risk-based capital ratio | 13.3826% | 4,146 |
| Total risk-based capital ratio | 14.6399% | 4,105 |
| Memoranda: | ||
| Average total assets | $23,309,000 | 7,551 |
| Average earning assets | $20,442,670 | 7,547 |
| Average equity | $1,918,670 | 7,675 |
| Average total loans | $10,888,000 | 7,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7485% | 1,620 |
| Cost of funding earning assets | 1.5749% | 3,106 |
| Net interest margin | 4.1735% | 2,140 |
| Noninterest income to average assets | 0.4692% | 4,300 |
| Noninterest expense to average assets | 4.0139% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1390% | 5,891 |
| Return on assets (ROA) | 0.1390% | 6,019 |
| Pretax return on assets | 0.1390% | 6,039 |
| Return on Equity (ROE) | 1.6851% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.6851% | 5,095 |
| Net charge-offs to loans | -0.1455% | 7,604 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6527% | 989 |
| Assets per employee ($millions) | 1.7992% | 7,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8770% | 916 |
| Loan loss allowance to noncurrent loans | 598.0769% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 6,903 |
| Noncurrent loans to loans | 0.4810% | 6,333 |
| Net loans and leases to total assets | 44.8867% | 6,909 |
| Net loans and leases to deposits | 49.0653% | 7,178 |
| Net loans and leases to core deposits | 49.0653% | 7,321 |
| Total domestic deposits to total assets | 91.4835% | 379 |
| Equity capital to assets | 8.2557% | 6,360 |
| Core capital (leverage) ratio | 8.0019% | 6,238 |
| Tier 1 risk-based capital ratio | 13.0806% | 4,276 |
| Total risk-based capital ratio | 14.3442% | 4,240 |
| Memoranda: | ||
| Average total assets | $23,020,000 | 7,651 |
| Average earning assets | $20,318,500 | 7,639 |
| Average equity | $1,899,000 | 7,767 |
| Average total loans | $10,993,500 | 7,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1309% | 1,435 |
| Cost of funding earning assets | 1.8290% | 3,841 |
| Net interest margin | 4.3020% | 1,711 |
| Noninterest income to average assets | 0.5112% | 4,323 |
| Noninterest expense to average assets | 4.2996% | 989 |
| Loan and lease loss provision to assets | 0.4382% | 4,200 |
| Net operating income to assets | -0.3286% | 6,007 |
| Return on assets (ROA) | -0.3286% | 5,997 |
| Pretax return on assets | -0.4154% | 5,934 |
| Return on Equity (ROE) | -3.7391% | 6,089 |
| Retained earnings to average equity (ytd only) | -3.7391% | 5,831 |
| Net charge-offs to loans | 0.3358% | 4,556 |
| Credit loss provision to net charge-offs | 259.4595% | 1,354 |
| Earnings coverage of net charge-offs (x) | 0.1351% | 6,023 |
| Efficiency ratio | 99.4720% | 1,131 |
| Assets per employee ($millions) | 1.7423% | 7,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7467% | 976 |
| Loan loss allowance to noncurrent loans | 438.5714% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 6,666 |
| Noncurrent loans to loans | 0.6263% | 5,985 |
| Net loans and leases to total assets | 47.9912% | 6,814 |
| Net loans and leases to deposits | 52.4563% | 7,134 |
| Net loans and leases to core deposits | 56.8842% | 7,374 |
| Total domestic deposits to total assets | 91.4879% | 382 |
| Equity capital to assets | 8.2428% | 6,286 |
| Core capital (leverage) ratio | 8.2367% | 5,755 |
| Tier 1 risk-based capital ratio | 12.9163% | 4,197 |
| Total risk-based capital ratio | 14.1758% | 4,142 |
| Memoranda: | ||
| Average total assets | $21,908,800 | 7,724 |
| Average earning assets | $19,409,800 | 7,724 |
| Average equity | $1,925,600 | 7,851 |
| Average total loans | $11,017,000 | 7,657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1316% | 1,552 |
| Cost of funding earning assets | 1.8533% | 4,131 |
| Net interest margin | 4.2784% | 1,787 |
| Noninterest income to average assets | 0.5217% | 4,303 |
| Noninterest expense to average assets | 4.3884% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0552% | 5,812 |
| Return on assets (ROA) | -0.0552% | 5,861 |
| Pretax return on assets | -0.0552% | 5,789 |
| Return on Equity (ROE) | -0.6185% | 5,871 |
| Retained earnings to average equity (ytd only) | -0.6185% | 5,383 |
| Net charge-offs to loans | 0.4737% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.2308% | 6,311 |
| Efficiency ratio | 101.2748% | 1,009 |
| Assets per employee ($millions) | 1.7256% | 7,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 2,157 |
| Loan loss allowance to noncurrent loans | 150.3597% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 5,903 |
| Noncurrent loans to loans | 1.2295% | 4,897 |
| Net loans and leases to total assets | 49.4628% | 6,823 |
| Net loans and leases to deposits | 54.4642% | 7,180 |
| Net loans and leases to core deposits | 58.8054% | 7,438 |
| Total domestic deposits to total assets | 90.8171% | 475 |
| Equity capital to assets | 8.6079% | 6,106 |
| Core capital (leverage) ratio | 9.0157% | 4,628 |
| Tier 1 risk-based capital ratio | 14.7918% | 3,137 |
| Total risk-based capital ratio | 16.0400% | 3,083 |
| Memoranda: | ||
| Average total assets | $21,723,500 | 7,805 |
| Average earning assets | $19,352,750 | 7,800 |
| Average equity | $1,940,250 | 7,931 |
| Average total loans | $10,977,000 | 7,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2125% | 1,415 |
| Cost of funding earning assets | 1.9140% | 4,195 |
| Net interest margin | 4.2986% | 1,660 |
| Noninterest income to average assets | 0.5212% | 4,267 |
| Noninterest expense to average assets | 4.4864% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1396% | 6,085 |
| Return on assets (ROA) | -0.1396% | 6,113 |
| Pretax return on assets | -0.1396% | 6,052 |
| Return on Equity (ROE) | -1.5437% | 6,154 |
| Retained earnings to average equity (ytd only) | -1.5437% | 5,632 |
| Net charge-offs to loans | -0.1656% | 8,013 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2120% | 1,050 |
| Assets per employee ($millions) | 1.5745% | 8,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 1,114 |
| Loan loss allowance to noncurrent loans | 150.2924% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 5,455 |
| Noncurrent loans to loans | 1.5231% | 4,211 |
| Net loans and leases to total assets | 49.7664% | 6,896 |
| Net loans and leases to deposits | 55.4404% | 7,196 |
| Net loans and leases to core deposits | 58.7731% | 7,495 |
| Total domestic deposits to total assets | 89.7655% | 928 |
| Equity capital to assets | 8.1250% | 6,602 |
| Core capital (leverage) ratio | 8.6098% | 5,249 |
| Tier 1 risk-based capital ratio | 14.9842% | 3,026 |
| Total risk-based capital ratio | 16.2382% | 2,964 |
| Memoranda: | ||
| Average total assets | $21,487,000 | 7,888 |
| Average earning assets | $19,122,670 | 7,883 |
| Average equity | $1,943,330 | 8,016 |
| Average total loans | $10,867,670 | 7,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2528% | 1,434 |
| Cost of funding earning assets | 1.9701% | 4,285 |
| Net interest margin | 4.2828% | 1,639 |
| Noninterest income to average assets | 0.4904% | 4,407 |
| Noninterest expense to average assets | 4.5264% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2640% | 6,637 |
| Return on assets (ROA) | -0.2640% | 6,715 |
| Pretax return on assets | -0.2640% | 6,634 |
| Return on Equity (ROE) | -2.7730% | 6,752 |
| Retained earnings to average equity (ytd only) | -2.7730% | 6,237 |
| Net charge-offs to loans | -0.1123% | 7,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1947% | 924 |
| Assets per employee ($millions) | 1.4506% | 8,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 975 |
| Loan loss allowance to noncurrent loans | 173.1034% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,498 |
| Noncurrent loans to loans | 1.3164% | 4,344 |
| Net loans and leases to total assets | 49.4692% | 6,904 |
| Net loans and leases to deposits | 54.7563% | 7,236 |
| Net loans and leases to core deposits | 58.3889% | 7,519 |
| Total domestic deposits to total assets | 90.3442% | 658 |
| Equity capital to assets | 9.1135% | 5,209 |
| Core capital (leverage) ratio | 8.8713% | 4,890 |
| Tier 1 risk-based capital ratio | 15.1832% | 2,980 |
| Total risk-based capital ratio | 16.4445% | 2,931 |
| Memoranda: | ||
| Average total assets | $21,209,000 | 7,946 |
| Average earning assets | $18,679,500 | 7,938 |
| Average equity | $2,019,500 | 8,054 |
| Average total loans | $10,688,000 | 7,874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5209% | 2,855 |
| Cost of funding earning assets | 2.2348% | 5,439 |
| Net interest margin | 4.2861% | 2,028 |
| Noninterest income to average assets | 0.5901% | 3,914 |
| Noninterest expense to average assets | 4.3108% | 1,034 |
| Loan and lease loss provision to assets | 0.1936% | 4,945 |
| Net operating income to assets | -0.0922% | 6,484 |
| Return on assets (ROA) | -0.0922% | 6,334 |
| Pretax return on assets | -0.1475% | 6,320 |
| Return on Equity (ROE) | -0.9492% | 6,356 |
| Retained earnings to average equity (ytd only) | -1.6137% | 5,769 |
| Net charge-offs to loans | 0.0100% | 6,792 |
| Credit loss provision to net charge-offs | 4,200.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 98.9418% | 1,022 |
| Assets per employee ($millions) | 1.3773% | 8,189 |
| Cash dividends to net income (ytd only)* | -70.0000% | 8,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3936% | 768 |
| Loan loss allowance to noncurrent loans | 193.7500% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 5,343 |
| Noncurrent loans to loans | 1.2354% | 4,045 |
| Net loans and leases to total assets | 48.9520% | 7,106 |
| Net loans and leases to deposits | 55.6822% | 7,346 |
| Net loans and leases to core deposits | 58.5921% | 7,649 |
| Total domestic deposits to total assets | 87.9133% | 1,503 |
| Equity capital to assets | 9.9521% | 4,099 |
| Core capital (leverage) ratio | 9.3340% | 4,250 |
| Tier 1 risk-based capital ratio | 16.4069% | 2,517 |
| Total risk-based capital ratio | 17.6657% | 2,454 |
| Memoranda: | ||
| Average total assets | $21,689,800 | 7,965 |
| Average earning assets | $19,061,800 | 7,966 |
| Average equity | $2,107,000 | 8,102 |
| Average total loans | $10,015,400 | 7,939 |