Home > Ashton State Bank > Performance and Condition Ratios
Ashton State Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 1,620 |
| Cost of funding earning assets | 0.4373% | 1,050 |
| Net interest margin | 3.4124% | 1,936 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.6805% | 409 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.3782% | 4,274 |
| Return on assets (ROA) | 0.3782% | 4,219 |
| Pretax return on assets | 0.3782% | 4,292 |
| Return on Equity (ROE) | 4.5500% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.5472% | 3,263 |
| Net charge-offs to loans | -0.1457% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.9340% | 320 |
| Assets per employee ($millions) | 4.7430% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1635% | 115 |
| Loan loss allowance to noncurrent loans | 27.1542% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 7.2791% | 7 |
| Noncurrent loans to loans | 11.6501% | 6 |
| Net loans and leases to total assets | 60.5000% | 2,447 |
| Net loans and leases to deposits | 66.9017% | 2,640 |
| Net loans and leases to core deposits | 69.4350% | 2,686 |
| Total domestic deposits to total assets | 90.4400% | 1,456 |
| Equity capital to assets | 8.9079% | 2,277 |
| Core capital (leverage) ratio | 8.6742% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7226% | 663 |
| Memoranda: | ||
| Average total assets | $19,743,000 | 4,707 |
| Average earning assets | $18,598,500 | 4,677 |
| Average equity | $1,642,000 | 4,729 |
| Average total loans | $11,899,000 | 4,563 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 1,372 |
| Cost of funding earning assets | 0.4272% | 772 |
| Net interest margin | 3.3428% | 1,784 |
| Noninterest income to average assets | 0.1900% | 4,053 |
| Noninterest expense to average assets | 3.9200% | 298 |
| Loan and lease loss provision to assets | 0.0300% | 2,050 |
| Net operating income to assets | -0.6300% | 4,694 |
| Return on assets (ROA) | -0.6300% | 4,682 |
| Pretax return on assets | -0.6300% | 4,669 |
| Return on Equity (ROE) | -7.7491% | 4,707 |
| Retained earnings to average equity (ytd only) | -7.7491% | 4,619 |
| Net charge-offs to loans | -0.0839% | 4,395 |
| Credit loss provision to net charge-offs | -60.0000% | 3,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0723% | 84 |
| Assets per employee ($millions) | 4.8793% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1419% | 125 |
| Loan loss allowance to noncurrent loans | 26.1836% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 8.4900% | 6 |
| Noncurrent loans to loans | 11.9997% | 7 |
| Net loans and leases to total assets | 57.6523% | 2,567 |
| Net loans and leases to deposits | 63.0046% | 2,803 |
| Net loans and leases to core deposits | 65.2744% | 2,876 |
| Total domestic deposits to total assets | 91.5048% | 1,026 |
| Equity capital to assets | 8.0494% | 3,086 |
| Core capital (leverage) ratio | 7.7622% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0670% | 842 |
| Memoranda: | ||
| Average total assets | $20,000,000 | 4,741 |
| Average earning assets | $18,727,000 | 4,727 |
| Average equity | $1,626,000 | 4,754 |
| Average total loans | $11,914,000 | 4,630 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 1,173 |
| Cost of funding earning assets | 0.4030% | 851 |
| Net interest margin | 3.3510% | 1,439 |
| Noninterest income to average assets | 0.1383% | 4,323 |
| Noninterest expense to average assets | 2.3318% | 2,389 |
| Loan and lease loss provision to assets | 0.1383% | 583 |
| Net operating income to assets | 0.7905% | 2,695 |
| Return on assets (ROA) | 0.7905% | 2,691 |
| Pretax return on assets | 0.7905% | 3,132 |
| Return on Equity (ROE) | 9.6764% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.6764% | 1,100 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5152% | 2,040 |
| Assets per employee ($millions) | 4.1554% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1333% | 140 |
| Loan loss allowance to noncurrent loans | 26.1119% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 7.9752% | 6 |
| Noncurrent loans to loans | 11.9997% | 10 |
| Net loans and leases to total assets | 54.1609% | 2,737 |
| Net loans and leases to deposits | 58.9471% | 2,992 |
| Net loans and leases to core deposits | 60.9225% | 3,071 |
| Total domestic deposits to total assets | 91.8804% | 625 |
| Equity capital to assets | 8.0570% | 3,525 |
| Core capital (leverage) ratio | 8.0613% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4186% | 524 |
| Memoranda: | ||
| Average total assets | $20,241,500 | 4,762 |
| Average earning assets | $18,860,000 | 4,750 |
| Average equity | $1,653,500 | 4,781 |
| Average total loans | $12,062,500 | 4,655 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 303 |
| Cost of funding earning assets | 0.6218% | 489 |
| Net interest margin | 4.2773% | 428 |
| Noninterest income to average assets | 0.1702% | 4,306 |
| Noninterest expense to average assets | 4.0404% | 278 |
| Loan and lease loss provision to assets | 0.0300% | 2,456 |
| Net operating income to assets | 0.2403% | 4,494 |
| Return on assets (ROA) | 0.2403% | 4,506 |
| Pretax return on assets | 0.0951% | 4,641 |
| Return on Equity (ROE) | 2.8416% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.8416% | 3,712 |
| Net charge-offs to loans | 1.5539% | 32 |
| Credit loss provision to net charge-offs | 2.8302% | 2,322 |
| Earnings coverage of net charge-offs (x) | 0.1179% | 2,645 |
| Efficiency ratio | 96.9952% | 182 |
| Assets per employee ($millions) | 3.9626% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5018% | 278 |
| Loan loss allowance to noncurrent loans | 20.1794% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 11.5984% | 4 |
| Noncurrent loans to loans | 12.3977% | 8 |
| Net loans and leases to total assets | 61.9593% | 1,946 |
| Net loans and leases to deposits | 70.7387% | 2,049 |
| Net loans and leases to core deposits | 71.1735% | 2,338 |
| Total domestic deposits to total assets | 87.5890% | 2,241 |
| Equity capital to assets | 8.7821% | 3,822 |
| Core capital (leverage) ratio | 9.0043% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8093% | 1,092 |
| Memoranda: | ||
| Average total assets | $19,973,200 | 4,805 |
| Average earning assets | $18,656,600 | 4,790 |
| Average equity | $1,689,200 | 4,825 |
| Average total loans | $13,643,200 | 4,672 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 568 |
| Cost of funding earning assets | 0.6757% | 438 |
| Net interest margin | 3.9264% | 892 |
| Noninterest income to average assets | 0.1666% | 4,369 |
| Noninterest expense to average assets | 4.0106% | 280 |
| Loan and lease loss provision to assets | 0.0350% | 2,301 |
| Net operating income to assets | -0.1999% | 4,797 |
| Return on assets (ROA) | -0.1999% | 4,802 |
| Pretax return on assets | -0.1999% | 4,801 |
| Return on Equity (ROE) | -2.3859% | 4,810 |
| Retained earnings to average equity (ytd only) | -2.3859% | 4,713 |
| Net charge-offs to loans | 0.6232% | 126 |
| Credit loss provision to net charge-offs | 7.6923% | 2,030 |
| Earnings coverage of net charge-offs (x) | -0.3846% | 2,414 |
| Efficiency ratio | 104.3328% | 128 |
| Assets per employee ($millions) | 3.9042% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4878% | 109 |
| Loan loss allowance to noncurrent loans | 31.1231% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 12.1920% | 5 |
| Noncurrent loans to loans | 11.2063% | 13 |
| Net loans and leases to total assets | 65.2067% | 1,634 |
| Net loans and leases to deposits | 72.0822% | 2,043 |
| Net loans and leases to core deposits | 72.5175% | 2,377 |
| Total domestic deposits to total assets | 90.4616% | 581 |
| Equity capital to assets | 8.5190% | 4,199 |
| Core capital (leverage) ratio | 8.2951% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2142% | 1,099 |
| Memoranda: | ||
| Average total assets | $20,013,250 | 4,879 |
| Average earning assets | $18,744,250 | 4,862 |
| Average equity | $1,676,500 | 4,898 |
| Average total loans | $13,906,250 | 4,742 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 241 |
| Cost of funding earning assets | 0.7137% | 431 |
| Net interest margin | 4.5340% | 333 |
| Noninterest income to average assets | 0.1482% | 4,455 |
| Noninterest expense to average assets | 4.0302% | 285 |
| Loan and lease loss provision to assets | 0.0296% | 2,384 |
| Net operating income to assets | 0.3556% | 4,457 |
| Return on assets (ROA) | 0.4840% | 4,288 |
| Pretax return on assets | 0.4840% | 4,406 |
| Return on Equity (ROE) | 5.5979% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.5979% | 2,961 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2752% | 308 |
| Assets per employee ($millions) | 3.3770% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7879% | 79 |
| Loan loss allowance to noncurrent loans | 25.6624% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 14.8702% | 4 |
| Noncurrent loans to loans | 14.7606% | 7 |
| Net loans and leases to total assets | 65.5611% | 1,749 |
| Net loans and leases to deposits | 76.6444% | 1,761 |
| Net loans and leases to core deposits | 77.1160% | 2,124 |
| Total domestic deposits to total assets | 85.5394% | 2,896 |
| Equity capital to assets | 8.9330% | 3,853 |
| Core capital (leverage) ratio | 8.8695% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0676% | 1,608 |
| Memoranda: | ||
| Average total assets | $20,247,000 | 4,914 |
| Average earning assets | $19,056,000 | 4,895 |
| Average equity | $1,750,667 | 4,931 |
| Average total loans | $14,145,333 | 4,770 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5273% | 2,837 |
| Cost of funding earning assets | 0.7470% | 454 |
| Net interest margin | 2.7804% | 3,808 |
| Noninterest income to average assets | 0.1581% | 4,408 |
| Noninterest expense to average assets | 4.3282% | 228 |
| Loan and lease loss provision to assets | 0.0395% | 2,253 |
| Net operating income to assets | -1.5613% | 4,946 |
| Return on assets (ROA) | -1.5613% | 4,945 |
| Pretax return on assets | -1.5613% | 4,942 |
| Return on Equity (ROE) | -18.3614% | 4,956 |
| Retained earnings to average equity (ytd only) | -18.3614% | 4,905 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.2254% | 32 |
| Assets per employee ($millions) | 3.4773% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7344% | 83 |
| Loan loss allowance to noncurrent loans | 17.4699% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 14.3213% | 5 |
| Noncurrent loans to loans | 21.3764% | 3 |
| Net loans and leases to total assets | 64.4939% | 1,983 |
| Net loans and leases to deposits | 70.2150% | 2,486 |
| Net loans and leases to core deposits | 70.6055% | 2,821 |
| Total domestic deposits to total assets | 91.8520% | 174 |
| Equity capital to assets | 8.0617% | 4,455 |
| Core capital (leverage) ratio | 8.1865% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0581% | 3,055 |
| Memoranda: | ||
| Average total assets | $20,239,500 | 4,940 |
| Average earning assets | $19,278,000 | 4,917 |
| Average equity | $1,721,000 | 4,959 |
| Average total loans | $14,314,500 | 4,794 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 260 |
| Cost of funding earning assets | 0.9238% | 790 |
| Net interest margin | 4.3813% | 423 |
| Noninterest income to average assets | 0.1854% | 4,363 |
| Noninterest expense to average assets | 3.9764% | 391 |
| Loan and lease loss provision to assets | 0.3400% | 1,032 |
| Net operating income to assets | 0.0361% | 4,707 |
| Return on assets (ROA) | 0.0361% | 4,743 |
| Pretax return on assets | 0.0464% | 4,732 |
| Return on Equity (ROE) | 0.3366% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.3366% | 4,412 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1452% | 339 |
| Assets per employee ($millions) | 3.3272% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7804% | 189 |
| Loan loss allowance to noncurrent loans | 34.1322% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 6.0612% | 31 |
| Noncurrent loans to loans | 8.1460% | 33 |
| Net loans and leases to total assets | 72.3388% | 1,252 |
| Net loans and leases to deposits | 80.9609% | 1,767 |
| Net loans and leases to core deposits | 81.4449% | 2,235 |
| Total domestic deposits to total assets | 89.3503% | 830 |
| Equity capital to assets | 10.5595% | 2,619 |
| Core capital (leverage) ratio | 10.5590% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6870% | 2,372 |
| Memoranda: | ||
| Average total assets | $19,414,600 | 4,959 |
| Average earning assets | $18,510,400 | 4,941 |
| Average equity | $2,079,600 | 4,969 |
| Average total loans | $15,082,200 | 4,804 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 531 |
| Cost of funding earning assets | 0.9568% | 889 |
| Net interest margin | 4.1170% | 868 |
| Noninterest income to average assets | 0.2075% | 4,232 |
| Noninterest expense to average assets | 4.0737% | 362 |
| Loan and lease loss provision to assets | 0.3476% | 1,094 |
| Net operating income to assets | -0.2836% | 4,859 |
| Return on assets (ROA) | -0.2836% | 4,864 |
| Pretax return on assets | -0.2836% | 4,859 |
| Return on Equity (ROE) | -2.6377% | 4,873 |
| Retained earnings to average equity (ytd only) | -2.6377% | 4,751 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4950% | 186 |
| Assets per employee ($millions) | 3.2838% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5476% | 214 |
| Loan loss allowance to noncurrent loans | 29.5607% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 6.8162% | 29 |
| Noncurrent loans to loans | 8.6184% | 37 |
| Net loans and leases to total assets | 77.0746% | 952 |
| Net loans and leases to deposits | 86.4905% | 1,641 |
| Net loans and leases to core deposits | 87.0158% | 2,235 |
| Total domestic deposits to total assets | 89.1133% | 723 |
| Equity capital to assets | 10.4603% | 2,829 |
| Core capital (leverage) ratio | 10.4460% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9962% | 2,611 |
| Memoranda: | ||
| Average total assets | $19,277,500 | 4,989 |
| Average earning assets | $18,395,000 | 4,970 |
| Average equity | $2,072,500 | 5,001 |
| Average total loans | $15,139,250 | 4,834 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 875 |
| Cost of funding earning assets | 0.9834% | 1,035 |
| Net interest margin | 3.9883% | 1,355 |
| Noninterest income to average assets | 0.2195% | 4,178 |
| Noninterest expense to average assets | 4.1075% | 369 |
| Loan and lease loss provision to assets | 0.3449% | 1,233 |
| Net operating income to assets | -0.4181% | 4,901 |
| Return on assets (ROA) | -0.4181% | 4,899 |
| Pretax return on assets | -0.4181% | 4,884 |
| Return on Equity (ROE) | -3.8529% | 4,914 |
| Retained earnings to average equity (ytd only) | -3.8529% | 4,716 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8135% | 164 |
| Assets per employee ($millions) | 3.3105% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 254 |
| Loan loss allowance to noncurrent loans | 13.8333% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 13.8297% | 7 |
| Noncurrent loans to loans | 17.2366% | 10 |
| Net loans and leases to total assets | 78.3215% | 813 |
| Net loans and leases to deposits | 93.1501% | 1,035 |
| Net loans and leases to core deposits | 93.7451% | 1,764 |
| Total domestic deposits to total assets | 84.0810% | 2,724 |
| Equity capital to assets | 10.3811% | 2,854 |
| Core capital (leverage) ratio | 10.3629% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,135,667 | 5,020 |
| Average earning assets | $18,303,667 | 5,000 |
| Average equity | $2,076,333 | 5,028 |
| Average total loans | $14,991,333 | 4,866 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 1,017 |
| Cost of funding earning assets | 1.0036% | 1,401 |
| Net interest margin | 3.9698% | 1,480 |
| Noninterest income to average assets | 0.2983% | 3,731 |
| Noninterest expense to average assets | 4.5174% | 301 |
| Loan and lease loss provision to assets | 0.3622% | 845 |
| Net operating income to assets | -0.7884% | 4,969 |
| Return on assets (ROA) | -0.7884% | 4,950 |
| Pretax return on assets | -0.7884% | 4,933 |
| Return on Equity (ROE) | -7.1034% | 4,965 |
| Retained earnings to average equity (ytd only) | -7.1034% | 4,651 |
| Net charge-offs to loans | -0.0551% | 4,668 |
| Credit loss provision to net charge-offs | -850.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4167% | 146 |
| Assets per employee ($millions) | 3.0840% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 278 |
| Loan loss allowance to noncurrent loans | 11.8839% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 16.0073% | 6 |
| Noncurrent loans to loans | 20.4023% | 7 |
| Net loans and leases to total assets | 76.5564% | 1,203 |
| Net loans and leases to deposits | 89.7093% | 1,547 |
| Net loans and leases to core deposits | 90.3156% | 2,313 |
| Total domestic deposits to total assets | 85.3383% | 2,271 |
| Equity capital to assets | 11.1597% | 2,716 |
| Core capital (leverage) ratio | 11.0475% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2678% | 2,584 |
| Memoranda: | ||
| Average total assets | $18,772,000 | 5,070 |
| Average earning assets | $17,935,500 | 5,052 |
| Average equity | $2,083,500 | 5,071 |
| Average total loans | $14,518,500 | 4,914 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 1,844 |
| Cost of funding earning assets | 1.0281% | 1,606 |
| Net interest margin | 3.8428% | 2,366 |
| Noninterest income to average assets | 0.2667% | 4,087 |
| Noninterest expense to average assets | 3.8304% | 641 |
| Loan and lease loss provision to assets | 0.5964% | 200 |
| Net operating income to assets | -0.5479% | 5,055 |
| Return on assets (ROA) | -0.5479% | 5,060 |
| Pretax return on assets | -0.4994% | 5,053 |
| Return on Equity (ROE) | -5.1787% | 5,080 |
| Retained earnings to average equity (ytd only) | -5.6370% | 4,996 |
| Net charge-offs to loans | 1.2557% | 121 |
| Credit loss provision to net charge-offs | 62.1212% | 3,015 |
| Earnings coverage of net charge-offs (x) | 0.1010% | 3,630 |
| Efficiency ratio | 97.5309% | 191 |
| Assets per employee ($millions) | 3.1733% | 4,722 |
| Cash dividends to net income (ytd only)* | -8.8496% | 5,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 292 |
| Loan loss allowance to noncurrent loans | 10.9680% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 15.8981% | 5 |
| Noncurrent loans to loans | 20.8485% | 5 |
| Net loans and leases to total assets | 74.5116% | 1,670 |
| Net loans and leases to deposits | 87.0635% | 1,963 |
| Net loans and leases to core deposits | 87.5957% | 2,641 |
| Total domestic deposits to total assets | 85.5830% | 2,246 |
| Equity capital to assets | 11.0399% | 2,953 |
| Core capital (leverage) ratio | 10.6771% | 2,784 |
| Tier 1 risk-based capital ratio | 11.8503% | 4,451 |
| Total risk-based capital ratio | 13.1075% | 4,317 |
| Memoranda: | ||
| Average total assets | $20,624,600 | 5,110 |
| Average earning assets | $19,647,000 | 5,091 |
| Average equity | $2,182,000 | 5,120 |
| Average total loans | $15,768,400 | 4,951 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4090% | 682 |
| Cost of funding earning assets | 1.0379% | 1,593 |
| Net interest margin | 4.3712% | 1,008 |
| Noninterest income to average assets | 0.2723% | 4,110 |
| Noninterest expense to average assets | 3.7167% | 734 |
| Loan and lease loss provision to assets | 0.3166% | 449 |
| Net operating income to assets | 0.3356% | 4,800 |
| Return on assets (ROA) | 0.3356% | 4,825 |
| Pretax return on assets | 0.3989% | 4,811 |
| Return on Equity (ROE) | 3.1562% | 4,743 |
| Retained earnings to average equity (ytd only) | 2.5608% | 4,068 |
| Net charge-offs to loans | 0.8184% | 192 |
| Credit loss provision to net charge-offs | 50.5051% | 2,785 |
| Earnings coverage of net charge-offs (x) | 1.1414% | 3,324 |
| Efficiency ratio | 83.8571% | 624 |
| Assets per employee ($millions) | 3.4253% | 4,578 |
| Cash dividends to net income (ytd only)* | 18.8650% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 291 |
| Loan loss allowance to noncurrent loans | 11.5508% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 15.1226% | 8 |
| Noncurrent loans to loans | 19.8126% | 7 |
| Net loans and leases to total assets | 74.5815% | 1,706 |
| Net loans and leases to deposits | 91.4831% | 1,506 |
| Net loans and leases to core deposits | 92.2706% | 2,338 |
| Total domestic deposits to total assets | 81.5249% | 3,611 |
| Equity capital to assets | 11.0306% | 3,075 |
| Core capital (leverage) ratio | 11.0123% | 2,627 |
| Tier 1 risk-based capital ratio | 12.0701% | 4,384 |
| Total risk-based capital ratio | 13.3266% | 4,273 |
| Memoranda: | ||
| Average total assets | $21,057,500 | 5,186 |
| Average earning assets | $20,040,000 | 5,167 |
| Average equity | $2,238,750 | 5,196 |
| Average total loans | $16,128,500 | 5,020 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 642 |
| Cost of funding earning assets | 1.0108% | 1,645 |
| Net interest margin | 4.4196% | 910 |
| Noninterest income to average assets | 0.2544% | 4,234 |
| Noninterest expense to average assets | 3.7219% | 729 |
| Loan and lease loss provision to assets | 0.3109% | 434 |
| Net operating income to assets | 0.3298% | 4,835 |
| Return on assets (ROA) | 0.3298% | 4,851 |
| Pretax return on assets | 0.4240% | 4,801 |
| Return on Equity (ROE) | 3.1400% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.2428% | 4,043 |
| Net charge-offs to loans | 0.5038% | 311 |
| Credit loss provision to net charge-offs | 80.4878% | 2,221 |
| Earnings coverage of net charge-offs (x) | 1.9024% | 2,982 |
| Efficiency ratio | 83.5095% | 691 |
| Assets per employee ($millions) | 3.3860% | 4,623 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5719% | 204 |
| Loan loss allowance to noncurrent loans | 11.8679% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 16.5485% | 6 |
| Noncurrent loans to loans | 21.6707% | 4 |
| Net loans and leases to total assets | 74.3995% | 1,824 |
| Net loans and leases to deposits | 85.4921% | 2,315 |
| Net loans and leases to core deposits | 86.1843% | 2,945 |
| Total domestic deposits to total assets | 87.0250% | 1,589 |
| Equity capital to assets | 11.0701% | 2,974 |
| Core capital (leverage) ratio | 10.9697% | 2,628 |
| Tier 1 risk-based capital ratio | 11.7105% | 4,564 |
| Total risk-based capital ratio | 12.9706% | 4,465 |
| Memoranda: | ||
| Average total assets | $21,226,000 | 5,231 |
| Average earning assets | $20,182,670 | 5,212 |
| Average equity | $2,229,330 | 5,236 |
| Average total loans | $16,275,670 | 5,061 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4631% | 555 |
| Cost of funding earning assets | 1.0693% | 1,293 |
| Net interest margin | 4.3938% | 923 |
| Noninterest income to average assets | 0.2583% | 4,160 |
| Noninterest expense to average assets | 3.9297% | 584 |
| Loan and lease loss provision to assets | 0.3136% | 402 |
| Net operating income to assets | 0.0000% | 5,147 |
| Return on assets (ROA) | 0.0000% | 5,150 |
| Pretax return on assets | 0.1845% | 5,044 |
| Return on Equity (ROE) | 0.0000% | 5,150 |
| Retained earnings to average equity (ytd only) | -1.8022% | 4,729 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7500% | 447 |
| Assets per employee ($millions) | 3.5455% | 4,520 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5943% | 220 |
| Loan loss allowance to noncurrent loans | 95.9368% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.0825% | 447 |
| Noncurrent loans to loans | 2.7042% | 447 |
| Net loans and leases to total assets | 75.0106% | 1,638 |
| Net loans and leases to deposits | 86.1377% | 2,116 |
| Net loans and leases to core deposits | 91.7913% | 2,316 |
| Total domestic deposits to total assets | 87.0822% | 1,770 |
| Equity capital to assets | 10.4123% | 3,406 |
| Core capital (leverage) ratio | 10.1867% | 3,403 |
| Tier 1 risk-based capital ratio | 12.0584% | 4,424 |
| Total risk-based capital ratio | 13.3214% | 4,307 |
| Memoranda: | ||
| Average total assets | $21,681,000 | 5,283 |
| Average earning assets | $20,574,500 | 5,262 |
| Average equity | $2,219,500 | 5,293 |
| Average total loans | $16,656,500 | 5,112 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 687 |
| Cost of funding earning assets | 0.9195% | 1,027 |
| Net interest margin | 4.2911% | 1,180 |
| Noninterest income to average assets | 0.2823% | 4,208 |
| Noninterest expense to average assets | 3.6185% | 847 |
| Loan and lease loss provision to assets | 1.1152% | 71 |
| Net operating income to assets | -0.3702% | 5,307 |
| Return on assets (ROA) | -0.3702% | 5,301 |
| Pretax return on assets | -0.3702% | 5,299 |
| Return on Equity (ROE) | -3.5733% | 5,300 |
| Retained earnings to average equity (ytd only) | -4.1093% | 5,221 |
| Net charge-offs to loans | 2.3470% | 44 |
| Credit loss provision to net charge-offs | 61.9537% | 3,081 |
| Earnings coverage of net charge-offs (x) | 0.4139% | 3,698 |
| Efficiency ratio | 82.9268% | 710 |
| Assets per employee ($millions) | 3.6815% | 4,346 |
| Cash dividends to net income (ytd only)* | -15.0000% | 5,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4039% | 255 |
| Loan loss allowance to noncurrent loans | 86.2288% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 2.1368% | 425 |
| Noncurrent loans to loans | 2.7878% | 394 |
| Net loans and leases to total assets | 74.8065% | 1,797 |
| Net loans and leases to deposits | 85.9282% | 2,283 |
| Net loans and leases to core deposits | 92.4471% | 2,371 |
| Total domestic deposits to total assets | 87.0569% | 1,764 |
| Equity capital to assets | 10.0684% | 3,610 |
| Core capital (leverage) ratio | 10.2782% | 3,275 |
| Tier 1 risk-based capital ratio | 11.5605% | 4,691 |
| Total risk-based capital ratio | 12.8184% | 4,590 |
| Memoranda: | ||
| Average total assets | $21,611,400 | 5,327 |
| Average earning assets | $20,554,000 | 5,308 |
| Average equity | $2,238,800 | 5,337 |
| Average total loans | $16,574,400 | 5,161 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 619 |
| Cost of funding earning assets | 0.9056% | 897 |
| Net interest margin | 4.2998% | 1,113 |
| Noninterest income to average assets | 0.3288% | 3,953 |
| Noninterest expense to average assets | 3.5981% | 857 |
| Loan and lease loss provision to assets | 1.4021% | 56 |
| Net operating income to assets | -0.7134% | 5,406 |
| Return on assets (ROA) | -0.7134% | 5,401 |
| Pretax return on assets | -0.5770% | 5,391 |
| Return on Equity (ROE) | -6.8375% | 5,405 |
| Retained earnings to average equity (ytd only) | -7.5509% | 5,361 |
| Net charge-offs to loans | 3.1543% | 31 |
| Credit loss provision to net charge-offs | 57.9487% | 2,770 |
| Earnings coverage of net charge-offs (x) | 0.3410% | 3,405 |
| Efficiency ratio | 81.3464% | 826 |
| Assets per employee ($millions) | 3.5758% | 4,461 |
| Cash dividends to net income (ytd only)* | -10.4350% | 5,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3766% | 278 |
| Loan loss allowance to noncurrent loans | 74.9522% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.4377% | 365 |
| Noncurrent loans to loans | 3.1709% | 328 |
| Net loans and leases to total assets | 75.0501% | 1,805 |
| Net loans and leases to deposits | 84.5827% | 2,529 |
| Net loans and leases to core deposits | 89.7848% | 2,679 |
| Total domestic deposits to total assets | 88.7299% | 944 |
| Equity capital to assets | 10.2027% | 3,450 |
| Core capital (leverage) ratio | 10.1715% | 3,441 |
| Tier 1 risk-based capital ratio | 11.7581% | 4,627 |
| Total risk-based capital ratio | 13.0150% | 4,520 |
| Memoranda: | ||
| Average total assets | $21,492,000 | 5,397 |
| Average earning assets | $20,465,500 | 5,381 |
| Average equity | $2,242,500 | 5,405 |
| Average total loans | $16,485,250 | 5,225 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 702 |
| Cost of funding earning assets | 0.8758% | 808 |
| Net interest margin | 4.1942% | 1,303 |
| Noninterest income to average assets | 0.3617% | 3,736 |
| Noninterest expense to average assets | 3.5243% | 965 |
| Loan and lease loss provision to assets | 0.2782% | 527 |
| Net operating income to assets | 0.3803% | 4,998 |
| Return on assets (ROA) | 0.3803% | 5,002 |
| Pretax return on assets | 0.5565% | 4,803 |
| Return on Equity (ROE) | 3.5335% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.4993% | 4,256 |
| Net charge-offs to loans | 3.3369% | 27 |
| Credit loss provision to net charge-offs | 10.9091% | 2,726 |
| Earnings coverage of net charge-offs (x) | 0.3273% | 3,130 |
| Efficiency ratio | 80.8511% | 929 |
| Assets per employee ($millions) | 3.5935% | 4,478 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 653 |
| Loan loss allowance to noncurrent loans | 42.0270% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 3.4321% | 188 |
| Noncurrent loans to loans | 4.4789% | 172 |
| Net loans and leases to total assets | 75.1867% | 1,763 |
| Net loans and leases to deposits | 84.5291% | 2,474 |
| Net loans and leases to core deposits | 89.6874% | 2,600 |
| Total domestic deposits to total assets | 88.9476% | 955 |
| Equity capital to assets | 10.8761% | 2,757 |
| Core capital (leverage) ratio | 10.9283% | 2,582 |
| Tier 1 risk-based capital ratio | 12.6191% | 4,113 |
| Total risk-based capital ratio | 13.8729% | 4,015 |
| Memoranda: | ||
| Average total assets | $21,564,670 | 5,460 |
| Average earning assets | $20,552,330 | 5,440 |
| Average equity | $2,320,670 | 5,466 |
| Average total loans | $16,482,330 | 5,285 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 1,022 |
| Cost of funding earning assets | 0.8593% | 730 |
| Net interest margin | 3.9647% | 1,831 |
| Noninterest income to average assets | 0.2597% | 4,438 |
| Noninterest expense to average assets | 3.7280% | 735 |
| Loan and lease loss provision to assets | 0.2782% | 489 |
| Net operating income to assets | -0.0927% | 5,418 |
| Return on assets (ROA) | -0.0927% | 5,412 |
| Pretax return on assets | 0.0185% | 5,383 |
| Return on Equity (ROE) | -0.8664% | 5,415 |
| Retained earnings to average equity (ytd only) | -2.9456% | 5,077 |
| Net charge-offs to loans | -0.0972% | 5,193 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6267% | 345 |
| Assets per employee ($millions) | 3.6285% | 4,505 |
| Cash dividends to net income (ytd only)* | -240.0000% | 5,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5074% | 89 |
| Loan loss allowance to noncurrent loans | 58.7334% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 4.4968% | 120 |
| Noncurrent loans to loans | 5.9717% | 102 |
| Net loans and leases to total assets | 72.6609% | 2,066 |
| Net loans and leases to deposits | 81.3944% | 2,641 |
| Net loans and leases to core deposits | 86.7222% | 2,748 |
| Total domestic deposits to total assets | 89.2701% | 976 |
| Equity capital to assets | 10.5645% | 3,009 |
| Core capital (leverage) ratio | 10.6937% | 2,746 |
| Tier 1 risk-based capital ratio | 12.4090% | 4,301 |
| Total risk-based capital ratio | 13.6768% | 4,185 |
| Memoranda: | ||
| Average total assets | $21,566,500 | 5,521 |
| Average earning assets | $20,481,000 | 5,500 |
| Average equity | $2,308,500 | 5,524 |
| Average total loans | $16,462,500 | 5,340 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 563 |
| Cost of funding earning assets | 0.8227% | 549 |
| Net interest margin | 4.2499% | 1,083 |
| Noninterest income to average assets | 0.2452% | 4,663 |
| Noninterest expense to average assets | 3.5108% | 1,013 |
| Loan and lease loss provision to assets | 0.2220% | 894 |
| Net operating income to assets | 0.4811% | 4,422 |
| Return on assets (ROA) | 0.4811% | 4,458 |
| Pretax return on assets | 0.5504% | 4,845 |
| Return on Equity (ROE) | 4.6042% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.0730% | 2,735 |
| Net charge-offs to loans | -0.1038% | 5,382 |
| Credit loss provision to net charge-offs | -282.3529% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9654% | 930 |
| Assets per employee ($millions) | 3.5603% | 4,621 |
| Cash dividends to net income (ytd only)* | 11.5385% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3634% | 96 |
| Loan loss allowance to noncurrent loans | 58.7117% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 4.4331% | 122 |
| Noncurrent loans to loans | 5.7286% | 99 |
| Net loans and leases to total assets | 74.7823% | 1,794 |
| Net loans and leases to deposits | 87.6303% | 2,058 |
| Net loans and leases to core deposits | 93.6236% | 2,229 |
| Total domestic deposits to total assets | 85.3385% | 2,709 |
| Equity capital to assets | 10.8464% | 2,784 |
| Core capital (leverage) ratio | 10.7838% | 2,552 |
| Tier 1 risk-based capital ratio | 12.3771% | 4,278 |
| Total risk-based capital ratio | 13.6432% | 4,181 |
| Memoranda: | ||
| Average total assets | $21,618,800 | 5,582 |
| Average earning assets | $20,541,600 | 5,560 |
| Average equity | $2,258,800 | 5,587 |
| Average total loans | $16,382,400 | 5,412 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 482 |
| Cost of funding earning assets | 0.8150% | 524 |
| Net interest margin | 4.3080% | 905 |
| Noninterest income to average assets | 0.2398% | 4,767 |
| Noninterest expense to average assets | 3.5173% | 967 |
| Loan and lease loss provision to assets | 0.2214% | 836 |
| Net operating income to assets | 0.2583% | 5,288 |
| Return on assets (ROA) | 0.2583% | 5,304 |
| Pretax return on assets | 0.5965% | 4,852 |
| Return on Equity (ROE) | 2.4953% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.7823% | 4,713 |
| Net charge-offs to loans | -0.0816% | 5,319 |
| Credit loss provision to net charge-offs | -360.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1348% | 985 |
| Assets per employee ($millions) | 3.6708% | 4,488 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1783% | 133 |
| Loan loss allowance to noncurrent loans | 55.3608% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 4.4041% | 140 |
| Noncurrent loans to loans | 5.7410% | 115 |
| Net loans and leases to total assets | 74.2747% | 1,874 |
| Net loans and leases to deposits | 86.8450% | 2,203 |
| Net loans and leases to core deposits | 96.4962% | 2,024 |
| Total domestic deposits to total assets | 85.5255% | 2,509 |
| Equity capital to assets | 10.2384% | 3,654 |
| Core capital (leverage) ratio | 10.3554% | 3,132 |
| Tier 1 risk-based capital ratio | 11.9508% | 4,664 |
| Total risk-based capital ratio | 13.2174% | 4,523 |
| Memoranda: | ||
| Average total assets | $21,683,000 | 5,649 |
| Average earning assets | $20,612,250 | 5,623 |
| Average equity | $2,244,250 | 5,650 |
| Average total loans | $16,345,250 | 5,473 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 217 |
| Cost of funding earning assets | 0.8123% | 498 |
| Net interest margin | 4.7758% | 341 |
| Noninterest income to average assets | 0.2318% | 4,847 |
| Noninterest expense to average assets | 3.5236% | 975 |
| Loan and lease loss provision to assets | 0.2225% | 786 |
| Net operating income to assets | 0.6305% | 4,161 |
| Return on assets (ROA) | 0.6305% | 4,209 |
| Pretax return on assets | 1.0107% | 3,522 |
| Return on Equity (ROE) | 6.0696% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.9985% | 2,709 |
| Net charge-offs to loans | -0.0990% | 5,408 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0741% | 2,005 |
| Assets per employee ($millions) | 3.5662% | 4,626 |
| Cash dividends to net income (ytd only)* | 17.6471% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2175% | 131 |
| Loan loss allowance to noncurrent loans | 79.0030% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 3.0939% | 287 |
| Noncurrent loans to loans | 4.0726% | 232 |
| Net loans and leases to total assets | 73.5243% | 1,956 |
| Net loans and leases to deposits | 83.3439% | 2,565 |
| Net loans and leases to core deposits | 88.0063% | 2,698 |
| Total domestic deposits to total assets | 88.2180% | 1,349 |
| Equity capital to assets | 10.6604% | 3,162 |
| Core capital (leverage) ratio | 10.5106% | 2,899 |
| Tier 1 risk-based capital ratio | 12.6224% | 4,229 |
| Total risk-based capital ratio | 13.8897% | 4,134 |
| Memoranda: | ||
| Average total assets | $21,569,000 | 5,695 |
| Average earning assets | $20,436,330 | 5,672 |
| Average equity | $2,240,670 | 5,697 |
| Average total loans | $16,161,670 | 5,527 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 997 |
| Cost of funding earning assets | 0.7648% | 602 |
| Net interest margin | 3.9023% | 1,769 |
| Noninterest income to average assets | 0.2217% | 4,950 |
| Noninterest expense to average assets | 3.6204% | 873 |
| Loan and lease loss provision to assets | 0.2217% | 714 |
| Net operating income to assets | 0.0554% | 5,561 |
| Return on assets (ROA) | 0.0554% | 5,568 |
| Pretax return on assets | 0.0554% | 5,568 |
| Return on Equity (ROE) | 0.5404% | 5,560 |
| Retained earnings to average equity (ytd only) | -1.6213% | 5,139 |
| Net charge-offs to loans | -0.1241% | 5,512 |
| Credit loss provision to net charge-offs | -240.0000% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8910% | 417 |
| Assets per employee ($millions) | 4.3156% | 3,480 |
| Cash dividends to net income (ytd only)* | 400.0000% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1143% | 157 |
| Loan loss allowance to noncurrent loans | 47.7401% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 4.9217% | 123 |
| Noncurrent loans to loans | 6.5233% | 91 |
| Net loans and leases to total assets | 73.0976% | 1,895 |
| Net loans and leases to deposits | 81.5817% | 2,560 |
| Net loans and leases to core deposits | 86.0314% | 2,705 |
| Total domestic deposits to total assets | 89.6005% | 853 |
| Equity capital to assets | 10.2697% | 3,446 |
| Core capital (leverage) ratio | 10.0925% | 3,385 |
| Tier 1 risk-based capital ratio | 12.1007% | 4,652 |
| Total risk-based capital ratio | 13.3676% | 4,538 |
| Memoranda: | ||
| Average total assets | $21,655,000 | 5,765 |
| Average earning assets | $20,398,000 | 5,742 |
| Average equity | $2,220,500 | 5,764 |
| Average total loans | $16,115,000 | 5,588 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 538 |
| Cost of funding earning assets | 0.8125% | 469 |
| Net interest margin | 4.2402% | 1,033 |
| Noninterest income to average assets | 0.2936% | 4,639 |
| Noninterest expense to average assets | 3.0875% | 2,076 |
| Loan and lease loss provision to assets | 0.3648% | 454 |
| Net operating income to assets | 0.5800% | 4,299 |
| Return on assets (ROA) | 0.6273% | 4,210 |
| Pretax return on assets | 0.8275% | 4,102 |
| Return on Equity (ROE) | 6.4691% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.9185% | 1,754 |
| Net charge-offs to loans | 0.3731% | 727 |
| Credit loss provision to net charge-offs | 138.9831% | 1,967 |
| Earnings coverage of net charge-offs (x) | 4.3051% | 3,516 |
| Efficiency ratio | 73.2068% | 2,389 |
| Assets per employee ($millions) | 4.3464% | 3,365 |
| Cash dividends to net income (ytd only)* | 8.5106% | 4,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0784% | 160 |
| Loan loss allowance to noncurrent loans | 42.5477% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 5.3101% | 111 |
| Noncurrent loans to loans | 7.2351% | 69 |
| Net loans and leases to total assets | 71.1347% | 2,315 |
| Net loans and leases to deposits | 79.7760% | 2,907 |
| Net loans and leases to core deposits | 84.1169% | 3,012 |
| Total domestic deposits to total assets | 89.1680% | 1,028 |
| Equity capital to assets | 10.2384% | 3,458 |
| Core capital (leverage) ratio | 9.9553% | 3,542 |
| Tier 1 risk-based capital ratio | 12.2502% | 4,536 |
| Total risk-based capital ratio | 13.5165% | 4,406 |
| Memoranda: | ||
| Average total assets | $22,477,600 | 5,811 |
| Average earning assets | $20,801,000 | 5,792 |
| Average equity | $2,179,600 | 5,828 |
| Average total loans | $15,814,800 | 5,648 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 696 |
| Cost of funding earning assets | 0.8023% | 499 |
| Net interest margin | 4.1195% | 1,343 |
| Noninterest income to average assets | 0.2883% | 4,710 |
| Noninterest expense to average assets | 2.9062% | 2,627 |
| Loan and lease loss provision to assets | 0.1824% | 1,211 |
| Net operating income to assets | 0.7939% | 3,395 |
| Return on assets (ROA) | 0.8589% | 3,234 |
| Pretax return on assets | 1.0883% | 3,279 |
| Return on Equity (ROE) | 8.9777% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.1785% | 1,101 |
| Net charge-offs to loans | -0.1098% | 5,607 |
| Credit loss provision to net charge-offs | -238.4615% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9770% | 2,747 |
| Assets per employee ($millions) | 4.5306% | 3,039 |
| Cash dividends to net income (ytd only)* | 8.9027% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0256% | 180 |
| Loan loss allowance to noncurrent loans | 23.7697% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 9.5087% | 47 |
| Noncurrent loans to loans | 12.7290% | 21 |
| Net loans and leases to total assets | 72.4407% | 2,123 |
| Net loans and leases to deposits | 80.9291% | 2,862 |
| Net loans and leases to core deposits | 85.1274% | 3,030 |
| Total domestic deposits to total assets | 89.5113% | 665 |
| Equity capital to assets | 9.8442% | 4,308 |
| Core capital (leverage) ratio | 9.9803% | 3,602 |
| Tier 1 risk-based capital ratio | 11.8705% | 4,875 |
| Total risk-based capital ratio | 13.1374% | 4,759 |
| Memoranda: | ||
| Average total assets | $22,664,000 | 5,871 |
| Average earning assets | $20,940,750 | 5,849 |
| Average equity | $2,168,250 | 5,893 |
| Average total loans | $15,781,000 | 5,702 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 534 |
| Cost of funding earning assets | 0.7804% | 542 |
| Net interest margin | 4.2686% | 986 |
| Noninterest income to average assets | 0.3265% | 4,446 |
| Noninterest expense to average assets | 2.7616% | 3,162 |
| Loan and lease loss provision to assets | 0.1853% | 1,173 |
| Net operating income to assets | 1.0323% | 2,242 |
| Return on assets (ROA) | 1.0323% | 2,377 |
| Pretax return on assets | 1.3852% | 2,082 |
| Return on Equity (ROE) | 10.8955% | 1,686 |
| Retained earnings to average equity (ytd only) | 9.6849% | 665 |
| Net charge-offs to loans | -0.0649% | 5,464 |
| Credit loss provision to net charge-offs | -420.0000% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7475% | 4,065 |
| Assets per employee ($millions) | 4.4594% | 3,105 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0704% | 182 |
| Loan loss allowance to noncurrent loans | 16.2500% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 13.6341% | 26 |
| Noncurrent loans to loans | 18.8949% | 4 |
| Net loans and leases to total assets | 69.9421% | 2,493 |
| Net loans and leases to deposits | 78.1626% | 3,141 |
| Net loans and leases to core deposits | 82.2868% | 3,240 |
| Total domestic deposits to total assets | 89.4829% | 692 |
| Equity capital to assets | 9.8668% | 4,372 |
| Core capital (leverage) ratio | 9.7635% | 3,849 |
| Tier 1 risk-based capital ratio | 11.8823% | 4,919 |
| Total risk-based capital ratio | 13.1461% | 4,797 |
| Memoranda: | ||
| Average total assets | $22,667,670 | 5,943 |
| Average earning assets | $21,271,670 | 5,916 |
| Average equity | $2,147,670 | 5,969 |
| Average total loans | $15,400,670 | 5,778 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 533 |
| Cost of funding earning assets | 0.7638% | 594 |
| Net interest margin | 4.2847% | 951 |
| Noninterest income to average assets | 0.3151% | 4,471 |
| Noninterest expense to average assets | 2.9755% | 2,466 |
| Loan and lease loss provision to assets | 0.1750% | 1,163 |
| Net operating income to assets | 0.8927% | 2,793 |
| Return on assets (ROA) | 0.8927% | 2,921 |
| Pretax return on assets | 1.1902% | 2,741 |
| Return on Equity (ROE) | 9.6158% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.6158% | 949 |
| Net charge-offs to loans | -0.1063% | 5,663 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5484% | 3,370 |
| Assets per employee ($millions) | 4.5030% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1906% | 183 |
| Loan loss allowance to noncurrent loans | 96.4000% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.2207% | 734 |
| Noncurrent loans to loans | 3.3097% | 440 |
| Net loans and leases to total assets | 64.9567% | 3,114 |
| Net loans and leases to deposits | 72.1759% | 3,639 |
| Net loans and leases to core deposits | 75.9228% | 3,690 |
| Total domestic deposits to total assets | 89.9978% | 597 |
| Equity capital to assets | 9.5359% | 4,637 |
| Core capital (leverage) ratio | 9.5046% | 4,189 |
| Tier 1 risk-based capital ratio | 18.7005% | 1,802 |
| Total risk-based capital ratio | 19.9808% | 1,759 |
| Memoranda: | ||
| Average total assets | $22,853,000 | 6,002 |
| Average earning assets | $21,471,500 | 5,976 |
| Average equity | $2,121,500 | 6,031 |
| Average total loans | $15,056,500 | 5,848 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 1,220 |
| Cost of funding earning assets | 0.7667% | 592 |
| Net interest margin | 3.8804% | 2,094 |
| Noninterest income to average assets | 0.3565% | 4,353 |
| Noninterest expense to average assets | 2.7437% | 3,432 |
| Loan and lease loss provision to assets | 0.1304% | 1,834 |
| Net operating income to assets | 0.7305% | 3,670 |
| Return on assets (ROA) | 0.7305% | 3,766 |
| Pretax return on assets | 1.0914% | 3,102 |
| Return on Equity (ROE) | 8.3210% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.7266% | 1,007 |
| Net charge-offs to loans | -0.0284% | 5,377 |
| Credit loss provision to net charge-offs | -750.0000% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1886% | 3,367 |
| Assets per employee ($millions) | 4.6382% | 2,835 |
| Cash dividends to net income (ytd only)* | 7.1429% | 4,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1188% | 199 |
| Loan loss allowance to noncurrent loans | 77.8702% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.5915% | 580 |
| Noncurrent loans to loans | 4.0051% | 304 |
| Net loans and leases to total assets | 62.6881% | 3,464 |
| Net loans and leases to deposits | 70.9309% | 3,821 |
| Net loans and leases to core deposits | 74.5691% | 3,884 |
| Total domestic deposits to total assets | 88.3791% | 1,431 |
| Equity capital to assets | 9.0380% | 5,086 |
| Core capital (leverage) ratio | 9.1918% | 4,629 |
| Tier 1 risk-based capital ratio | 12.8755% | 4,405 |
| Total risk-based capital ratio | 14.1471% | 4,281 |
| Memoranda: | ||
| Average total assets | $22,998,200 | 6,059 |
| Average earning assets | $21,389,400 | 6,037 |
| Average equity | $2,019,000 | 6,096 |
| Average total loans | $14,088,600 | 5,921 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,387 |
| Cost of funding earning assets | 0.7744% | 582 |
| Net interest margin | 3.8034% | 2,367 |
| Noninterest income to average assets | 0.3602% | 4,356 |
| Noninterest expense to average assets | 2.6782% | 3,642 |
| Loan and lease loss provision to assets | 0.1336% | 1,677 |
| Net operating income to assets | 0.6042% | 4,366 |
| Return on assets (ROA) | 0.6042% | 4,470 |
| Pretax return on assets | 1.0864% | 3,282 |
| Return on Equity (ROE) | 6.9339% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.1338% | 2,162 |
| Net charge-offs to loans | -0.0193% | 5,197 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7034% | 3,419 |
| Assets per employee ($millions) | 4.6020% | 2,831 |
| Cash dividends to net income (ytd only)* | 11.5390% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0721% | 226 |
| Loan loss allowance to noncurrent loans | 59.9217% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 3.3290% | 406 |
| Noncurrent loans to loans | 5.1268% | 196 |
| Net loans and leases to total assets | 62.9379% | 3,465 |
| Net loans and leases to deposits | 70.8374% | 3,901 |
| Net loans and leases to core deposits | 74.4806% | 3,967 |
| Total domestic deposits to total assets | 88.8483% | 1,100 |
| Equity capital to assets | 8.8266% | 5,464 |
| Core capital (leverage) ratio | 8.9169% | 5,095 |
| Tier 1 risk-based capital ratio | 11.7630% | 5,229 |
| Total risk-based capital ratio | 13.0314% | 5,133 |
| Memoranda: | ||
| Average total assets | $22,950,000 | 6,146 |
| Average earning assets | $21,348,750 | 6,119 |
| Average equity | $1,999,750 | 6,182 |
| Average total loans | $13,859,250 | 6,006 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 985 |
| Cost of funding earning assets | 0.7824% | 551 |
| Net interest margin | 3.9685% | 1,739 |
| Noninterest income to average assets | 0.3925% | 4,137 |
| Noninterest expense to average assets | 2.5818% | 3,972 |
| Loan and lease loss provision to assets | 0.1308% | 1,691 |
| Net operating income to assets | 0.8897% | 2,938 |
| Return on assets (ROA) | 0.8897% | 3,060 |
| Pretax return on assets | 1.3519% | 2,178 |
| Return on Equity (ROE) | 10.2547% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.0483% | 907 |
| Net charge-offs to loans | -0.0148% | 5,055 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5193% | 4,423 |
| Assets per employee ($millions) | 4.6400% | 2,762 |
| Cash dividends to net income (ytd only)* | 11.7647% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1200% | 240 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.0690% | 1,047 |
| Noncurrent loans to loans | 3.3280% | 545 |
| Net loans and leases to total assets | 60.2284% | 3,794 |
| Net loans and leases to deposits | 67.6954% | 4,160 |
| Net loans and leases to core deposits | 71.1420% | 4,210 |
| Total domestic deposits to total assets | 88.9698% | 1,157 |
| Equity capital to assets | 8.7500% | 5,489 |
| Core capital (leverage) ratio | 8.8219% | 5,200 |
| Tier 1 risk-based capital ratio | 12.3008% | 4,938 |
| Total risk-based capital ratio | 13.5672% | 4,827 |
| Memoranda: | ||
| Average total assets | $22,930,000 | 6,219 |
| Average earning assets | $21,217,330 | 6,193 |
| Average equity | $1,989,330 | 6,255 |
| Average total loans | $13,498,670 | 6,078 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 1,113 |
| Cost of funding earning assets | 0.7824% | 561 |
| Net interest margin | 3.8740% | 1,984 |
| Noninterest income to average assets | 0.3510% | 4,391 |
| Noninterest expense to average assets | 2.4742% | 4,348 |
| Loan and lease loss provision to assets | 0.1404% | 1,462 |
| Net operating income to assets | 1.0178% | 2,181 |
| Return on assets (ROA) | 1.0178% | 2,322 |
| Pretax return on assets | 1.2985% | 2,294 |
| Return on Equity (ROE) | 11.7826% | 1,400 |
| Retained earnings to average equity (ytd only) | 11.7826% | 595 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2287% | 4,597 |
| Assets per employee ($millions) | 4.6204% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4295% | 191 |
| Loan loss allowance to noncurrent loans | 384.3478% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 4,034 |
| Noncurrent loans to loans | 0.8923% | 3,009 |
| Net loans and leases to total assets | 53.8741% | 4,459 |
| Net loans and leases to deposits | 59.1034% | 4,819 |
| Net loans and leases to core deposits | 62.0501% | 4,835 |
| Total domestic deposits to total assets | 91.1523% | 309 |
| Equity capital to assets | 8.6486% | 5,613 |
| Core capital (leverage) ratio | 8.8686% | 5,114 |
| Tier 1 risk-based capital ratio | 13.6196% | 4,269 |
| Total risk-based capital ratio | 14.8943% | 4,161 |
| Memoranda: | ||
| Average total assets | $22,795,000 | 6,287 |
| Average earning assets | $20,960,000 | 6,263 |
| Average equity | $1,969,000 | 6,319 |
| Average total loans | $13,036,500 | 6,154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,867 |
| Cost of funding earning assets | 0.8374% | 547 |
| Net interest margin | 3.6618% | 3,165 |
| Noninterest income to average assets | 0.3378% | 4,694 |
| Noninterest expense to average assets | 2.3951% | 4,856 |
| Loan and lease loss provision to assets | 1.3116% | 73 |
| Net operating income to assets | -0.0077% | 6,096 |
| Return on assets (ROA) | 0.0175% | 6,088 |
| Pretax return on assets | 0.0658% | 6,029 |
| Return on Equity (ROE) | 0.2026% | 6,086 |
| Retained earnings to average equity (ytd only) | -1.7220% | 5,985 |
| Net charge-offs to loans | 0.1550% | 2,484 |
| Credit loss provision to net charge-offs | 1,661.1111% | 179 |
| Earnings coverage of net charge-offs (x) | 16.9444% | 1,969 |
| Efficiency ratio | 64.1598% | 4,567 |
| Assets per employee ($millions) | 5.6220% | 1,671 |
| Cash dividends to net income (ytd only)* | 950.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2916% | 217 |
| Loan loss allowance to noncurrent loans | 85.2652% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.2634% | 1,066 |
| Noncurrent loans to loans | 3.8604% | 498 |
| Net loans and leases to total assets | 56.7014% | 4,239 |
| Net loans and leases to deposits | 63.8348% | 4,542 |
| Net loans and leases to core deposits | 67.1989% | 4,582 |
| Total domestic deposits to total assets | 88.8252% | 1,343 |
| Equity capital to assets | 8.6268% | 5,627 |
| Core capital (leverage) ratio | 8.6039% | 5,443 |
| Tier 1 risk-based capital ratio | 12.9084% | 4,790 |
| Total risk-based capital ratio | 14.1793% | 4,694 |
| Memoranda: | ||
| Average total assets | $22,796,200 | 6,377 |
| Average earning assets | $21,137,000 | 6,348 |
| Average equity | $1,974,400 | 6,407 |
| Average total loans | $11,609,600 | 6,264 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 2,127 |
| Cost of funding earning assets | 0.8465% | 549 |
| Net interest margin | 3.5820% | 3,498 |
| Noninterest income to average assets | 0.3439% | 4,686 |
| Noninterest expense to average assets | 2.2500% | 5,227 |
| Loan and lease loss provision to assets | 1.7137% | 44 |
| Net operating income to assets | 0.0958% | 6,034 |
| Return on assets (ROA) | 0.1107% | 6,041 |
| Pretax return on assets | -0.2915% | 6,290 |
| Return on Equity (ROE) | 1.2774% | 5,990 |
| Retained earnings to average equity (ytd only) | -1.2774% | 6,002 |
| Net charge-offs to loans | 0.0357% | 3,773 |
| Credit loss provision to net charge-offs | 9,800.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 79.9975% | 704 |
| Efficiency ratio | 61.6613% | 4,938 |
| Assets per employee ($millions) | 5.6888% | 1,568 |
| Cash dividends to net income (ytd only)* | 200.0395% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5132% | 227 |
| Loan loss allowance to noncurrent loans | 181.2245% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 2,803 |
| Noncurrent loans to loans | 1.9386% | 1,650 |
| Net loans and leases to total assets | 53.5882% | 4,625 |
| Net loans and leases to deposits | 58.6899% | 5,051 |
| Net loans and leases to core deposits | 61.6575% | 5,065 |
| Total domestic deposits to total assets | 91.3074% | 278 |
| Equity capital to assets | 8.5915% | 5,731 |
| Core capital (leverage) ratio | 8.5701% | 5,580 |
| Tier 1 risk-based capital ratio | 13.4521% | 4,578 |
| Total risk-based capital ratio | 14.7251% | 4,500 |
| Memoranda: | ||
| Average total assets | $22,873,250 | 6,451 |
| Average earning assets | $21,105,250 | 6,426 |
| Average equity | $1,983,000 | 6,479 |
| Average total loans | $11,215,750 | 6,346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,401 |
| Cost of funding earning assets | 0.8596% | 531 |
| Net interest margin | 3.4863% | 3,834 |
| Noninterest income to average assets | 0.4015% | 4,235 |
| Noninterest expense to average assets | 2.2608% | 5,251 |
| Loan and lease loss provision to assets | 0.1047% | 2,273 |
| Net operating income to assets | 0.7458% | 3,591 |
| Return on assets (ROA) | 0.7681% | 3,577 |
| Pretax return on assets | 1.2569% | 2,426 |
| Return on Equity (ROE) | 8.8339% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.0192% | 2,948 |
| Net charge-offs to loans | -0.0372% | 5,761 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0170% | 4,854 |
| Assets per employee ($millions) | 5.6720% | 1,546 |
| Cash dividends to net income (ytd only)* | 43.1818% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 3,086 |
| Loan loss allowance to noncurrent loans | 371.1111% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 5,526 |
| Noncurrent loans to loans | 0.3927% | 4,815 |
| Net loans and leases to total assets | 49.7708% | 4,988 |
| Net loans and leases to deposits | 55.0749% | 5,276 |
| Net loans and leases to core deposits | 57.8988% | 5,280 |
| Total domestic deposits to total assets | 90.3694% | 631 |
| Equity capital to assets | 8.9210% | 5,387 |
| Core capital (leverage) ratio | 8.7714% | 5,304 |
| Tier 1 risk-based capital ratio | 14.8257% | 3,738 |
| Total risk-based capital ratio | 16.0489% | 3,701 |
| Memoranda: | ||
| Average total assets | $22,912,670 | 6,517 |
| Average earning assets | $20,939,330 | 6,497 |
| Average equity | $1,992,330 | 6,535 |
| Average total loans | $10,741,670 | 6,426 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 2,564 |
| Cost of funding earning assets | 0.8929% | 474 |
| Net interest margin | 3.3967% | 4,130 |
| Noninterest income to average assets | 0.3996% | 4,190 |
| Noninterest expense to average assets | 2.2584% | 5,305 |
| Loan and lease loss provision to assets | 0.1042% | 2,183 |
| Net operating income to assets | 0.7296% | 3,547 |
| Return on assets (ROA) | 0.7296% | 3,625 |
| Pretax return on assets | 1.0771% | 3,006 |
| Return on Equity (ROE) | 8.4999% | 2,685 |
| Retained earnings to average equity (ytd only) | 1.0119% | 5,195 |
| Net charge-offs to loans | -0.0770% | 6,003 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6566% | 4,586 |
| Assets per employee ($millions) | 5.8543% | 1,407 |
| Cash dividends to net income (ytd only)* | 88.0952% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 2,634 |
| Loan loss allowance to noncurrent loans | 3,220.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,241 |
| Noncurrent loans to loans | 0.0501% | 5,999 |
| Net loans and leases to total assets | 41.9140% | 5,677 |
| Net loans and leases to deposits | 46.1145% | 5,845 |
| Net loans and leases to core deposits | 48.3879% | 5,852 |
| Total domestic deposits to total assets | 90.8912% | 613 |
| Equity capital to assets | 8.4511% | 5,691 |
| Core capital (leverage) ratio | 8.6355% | 5,484 |
| Tier 1 risk-based capital ratio | 15.1265% | 3,640 |
| Total risk-based capital ratio | 16.3571% | 3,611 |
| Memoranda: | ||
| Average total assets | $23,025,000 | 6,587 |
| Average earning assets | $20,608,000 | 6,569 |
| Average equity | $1,976,500 | 6,602 |
| Average total loans | $10,383,000 | 6,506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,509 |
| Cost of funding earning assets | 0.9981% | 445 |
| Net interest margin | 3.1591% | 5,129 |
| Noninterest income to average assets | 0.3625% | 4,716 |
| Noninterest expense to average assets | 2.2143% | 5,593 |
| Loan and lease loss provision to assets | 0.1048% | 3,047 |
| Net operating income to assets | 0.6012% | 4,256 |
| Return on assets (ROA) | 0.6071% | 4,352 |
| Pretax return on assets | 0.8997% | 3,765 |
| Return on Equity (ROE) | 7.2805% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.6616% | 2,842 |
| Net charge-offs to loans | 0.1411% | 3,396 |
| Credit loss provision to net charge-offs | 160.0000% | 1,430 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 1,892 |
| Efficiency ratio | 68.9796% | 4,022 |
| Assets per employee ($millions) | 5.6583% | 1,507 |
| Cash dividends to net income (ytd only)* | 35.9712% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 3,559 |
| Loan loss allowance to noncurrent loans | 60.4743% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 3,166 |
| Noncurrent loans to loans | 2.3448% | 1,636 |
| Net loans and leases to total assets | 46.9977% | 5,395 |
| Net loans and leases to deposits | 51.8499% | 5,633 |
| Net loans and leases to core deposits | 54.5068% | 5,640 |
| Total domestic deposits to total assets | 90.6420% | 731 |
| Equity capital to assets | 8.7218% | 5,343 |
| Core capital (leverage) ratio | 8.8011% | 5,276 |
| Tier 1 risk-based capital ratio | 14.8801% | 3,733 |
| Total risk-based capital ratio | 16.0335% | 3,737 |
| Memoranda: | ||
| Average total assets | $22,896,200 | 6,661 |
| Average earning assets | $20,638,600 | 6,644 |
| Average equity | $1,909,200 | 6,704 |
| Average total loans | $10,632,600 | 6,563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,893 |
| Cost of funding earning assets | 1.0233% | 439 |
| Net interest margin | 3.0375% | 5,496 |
| Noninterest income to average assets | 0.3368% | 4,994 |
| Noninterest expense to average assets | 2.2355% | 5,518 |
| Loan and lease loss provision to assets | 0.1045% | 3,014 |
| Net operating income to assets | 0.5458% | 4,601 |
| Return on assets (ROA) | 0.5458% | 4,741 |
| Pretax return on assets | 0.7200% | 4,610 |
| Return on Equity (ROE) | 6.6207% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.0993% | 4,463 |
| Net charge-offs to loans | 0.2014% | 2,625 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 8.8762% | 2,563 |
| Efficiency ratio | 73.0550% | 3,212 |
| Assets per employee ($millions) | 5.7213% | 1,429 |
| Cash dividends to net income (ytd only)* | 53.1956% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,279 |
| Loan loss allowance to noncurrent loans | 347.6190% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 5,888 |
| Noncurrent loans to loans | 0.3804% | 5,261 |
| Net loans and leases to total assets | 47.6120% | 5,390 |
| Net loans and leases to deposits | 52.3469% | 5,683 |
| Net loans and leases to core deposits | 54.9886% | 5,697 |
| Total domestic deposits to total assets | 90.9548% | 552 |
| Equity capital to assets | 8.4291% | 5,816 |
| Core capital (leverage) ratio | 8.0395% | 6,195 |
| Tier 1 risk-based capital ratio | 14.3880% | 4,156 |
| Total risk-based capital ratio | 15.4770% | 4,215 |
| Memoranda: | ||
| Average total assets | $22,962,000 | 6,734 |
| Average earning assets | $20,586,500 | 6,717 |
| Average equity | $1,893,000 | 6,788 |
| Average total loans | $10,593,250 | 6,638 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 3,646 |
| Cost of funding earning assets | 1.0656% | 395 |
| Net interest margin | 3.0575% | 5,404 |
| Noninterest income to average assets | 0.3045% | 5,276 |
| Noninterest expense to average assets | 2.1577% | 5,729 |
| Loan and lease loss provision to assets | 0.1044% | 3,047 |
| Net operating income to assets | 0.5220% | 4,709 |
| Return on assets (ROA) | 0.5220% | 4,872 |
| Pretax return on assets | 0.7134% | 4,641 |
| Return on Equity (ROE) | 6.3796% | 3,946 |
| Retained earnings to average equity (ytd only) | 1.0633% | 5,474 |
| Net charge-offs to loans | -0.1149% | 6,533 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5146% | 3,385 |
| Assets per employee ($millions) | 6.1253% | 1,116 |
| Cash dividends to net income (ytd only)* | 83.3333% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 2,958 |
| Loan loss allowance to noncurrent loans | 437.8378% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 6,038 |
| Noncurrent loans to loans | 0.3781% | 5,331 |
| Net loans and leases to total assets | 39.2841% | 6,093 |
| Net loans and leases to deposits | 42.8463% | 6,290 |
| Net loans and leases to core deposits | 44.8425% | 6,292 |
| Total domestic deposits to total assets | 91.6861% | 316 |
| Equity capital to assets | 7.7344% | 6,348 |
| Core capital (leverage) ratio | 8.3198% | 5,863 |
| Tier 1 risk-based capital ratio | 14.7333% | 3,955 |
| Total risk-based capital ratio | 15.9851% | 3,922 |
| Memoranda: | ||
| Average total assets | $22,987,670 | 6,782 |
| Average earning assets | $20,082,000 | 6,778 |
| Average equity | $1,881,000 | 6,835 |
| Average total loans | $10,443,670 | 6,686 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 2,637 |
| Cost of funding earning assets | 1.1124% | 354 |
| Net interest margin | 3.2533% | 4,720 |
| Noninterest income to average assets | 0.3059% | 5,248 |
| Noninterest expense to average assets | 2.1951% | 5,697 |
| Loan and lease loss provision to assets | 0.1080% | 2,896 |
| Net operating income to assets | 0.5038% | 4,636 |
| Return on assets (ROA) | 0.5038% | 4,785 |
| Pretax return on assets | 0.7917% | 4,199 |
| Return on Equity (ROE) | 5.9765% | 4,061 |
| Retained earnings to average equity (ytd only) | -4.6958% | 6,341 |
| Net charge-offs to loans | -0.2228% | 6,705 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9302% | 3,804 |
| Assets per employee ($millions) | 5.7645% | 1,425 |
| Cash dividends to net income (ytd only)* | 178.5714% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 3,878 |
| Loan loss allowance to noncurrent loans | 264.4068% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 5,802 |
| Noncurrent loans to loans | 0.5631% | 5,033 |
| Net loans and leases to total assets | 44.7610% | 5,583 |
| Net loans and leases to deposits | 49.0542% | 5,851 |
| Net loans and leases to core deposits | 51.5020% | 5,860 |
| Total domestic deposits to total assets | 91.2482% | 426 |
| Equity capital to assets | 8.0796% | 6,341 |
| Core capital (leverage) ratio | 8.3251% | 5,792 |
| Tier 1 risk-based capital ratio | 13.9446% | 4,546 |
| Total risk-based capital ratio | 15.1123% | 4,565 |
| Memoranda: | ||
| Average total assets | $22,231,000 | 6,872 |
| Average earning assets | $19,057,500 | 6,868 |
| Average equity | $1,874,000 | 6,894 |
| Average total loans | $10,772,000 | 6,741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 2,209 |
| Cost of funding earning assets | 1.0718% | 1,014 |
| Net interest margin | 3.7264% | 3,539 |
| Noninterest income to average assets | 0.4689% | 4,107 |
| Noninterest expense to average assets | 2.5189% | 5,036 |
| Loan and lease loss provision to assets | 0.1197% | 4,122 |
| Net operating income to assets | 0.7632% | 3,446 |
| Return on assets (ROA) | 0.7632% | 3,694 |
| Pretax return on assets | 1.1772% | 2,876 |
| Return on Equity (ROE) | 8.4288% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.3905% | 1,880 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0131% | 4,503 |
| Assets per employee ($millions) | 5.3510% | 1,838 |
| Cash dividends to net income (ytd only)* | 24.1830% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,631 |
| Loan loss allowance to noncurrent loans | 50.5263% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 3,415 |
| Noncurrent loans to loans | 2.5752% | 2,054 |
| Net loans and leases to total assets | 51.0325% | 5,029 |
| Net loans and leases to deposits | 56.4205% | 5,403 |
| Net loans and leases to core deposits | 59.4935% | 5,412 |
| Total domestic deposits to total assets | 90.4504% | 728 |
| Equity capital to assets | 8.8068% | 5,740 |
| Core capital (leverage) ratio | 8.9916% | 4,907 |
| Tier 1 risk-based capital ratio | 13.9578% | 4,404 |
| Total risk-based capital ratio | 15.0241% | 4,502 |
| Memoranda: | ||
| Average total assets | $20,048,400 | 6,955 |
| Average earning assets | $18,006,800 | 6,935 |
| Average equity | $1,815,200 | 6,980 |
| Average total loans | $10,462,800 | 6,831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 2,443 |
| Cost of funding earning assets | 1.0742% | 1,172 |
| Net interest margin | 3.7108% | 3,747 |
| Noninterest income to average assets | 0.4532% | 4,268 |
| Noninterest expense to average assets | 2.5638% | 4,865 |
| Loan and lease loss provision to assets | 0.1218% | 4,034 |
| Net operating income to assets | 0.7238% | 3,807 |
| Return on assets (ROA) | 0.7238% | 4,054 |
| Pretax return on assets | 1.1094% | 3,317 |
| Return on Equity (ROE) | 7.9355% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.1915% | 3,228 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5579% | 4,160 |
| Assets per employee ($millions) | 5.1398% | 1,999 |
| Cash dividends to net income (ytd only)* | 34.5787% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,231 |
| Loan loss allowance to noncurrent loans | 184.0000% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 5,784 |
| Noncurrent loans to loans | 0.6585% | 5,129 |
| Net loans and leases to total assets | 54.7303% | 4,636 |
| Net loans and leases to deposits | 60.6185% | 5,135 |
| Net loans and leases to core deposits | 64.0702% | 5,138 |
| Total domestic deposits to total assets | 90.2865% | 688 |
| Equity capital to assets | 8.9450% | 5,874 |
| Core capital (leverage) ratio | 8.9931% | 5,076 |
| Tier 1 risk-based capital ratio | 13.6333% | 4,794 |
| Total risk-based capital ratio | 14.6564% | 4,901 |
| Memoranda: | ||
| Average total assets | $19,709,500 | 7,052 |
| Average earning assets | $17,749,750 | 7,035 |
| Average equity | $1,797,750 | 7,076 |
| Average total loans | $10,311,750 | 6,928 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 2,752 |
| Cost of funding earning assets | 1.1102% | 1,175 |
| Net interest margin | 3.6313% | 4,131 |
| Noninterest income to average assets | 0.4221% | 4,483 |
| Noninterest expense to average assets | 2.5223% | 5,065 |
| Loan and lease loss provision to assets | 0.1235% | 3,983 |
| Net operating income to assets | 0.9060% | 2,886 |
| Return on assets (ROA) | 0.9060% | 3,156 |
| Pretax return on assets | 1.0089% | 3,667 |
| Return on Equity (ROE) | 9.8655% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.7175% | 2,871 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0141% | 3,937 |
| Assets per employee ($millions) | 5.0268% | 2,148 |
| Cash dividends to net income (ytd only)* | 42.0455% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,463 |
| Loan loss allowance to noncurrent loans | 280.8511% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 6,185 |
| Noncurrent loans to loans | 0.4183% | 5,698 |
| Net loans and leases to total assets | 55.2245% | 4,590 |
| Net loans and leases to deposits | 61.1016% | 5,116 |
| Net loans and leases to core deposits | 64.6596% | 5,135 |
| Total domestic deposits to total assets | 90.3815% | 723 |
| Equity capital to assets | 9.0516% | 5,648 |
| Core capital (leverage) ratio | 9.1582% | 4,676 |
| Tier 1 risk-based capital ratio | 13.8445% | 4,560 |
| Total risk-based capital ratio | 14.8486% | 4,713 |
| Memoranda: | ||
| Average total assets | $19,426,330 | 7,116 |
| Average earning assets | $17,294,000 | 7,103 |
| Average equity | $1,784,000 | 7,131 |
| Average total loans | $9,952,330 | 6,997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 3,534 |
| Cost of funding earning assets | 1.1667% | 1,121 |
| Net interest margin | 3.4273% | 5,003 |
| Noninterest income to average assets | 0.4401% | 4,372 |
| Noninterest expense to average assets | 2.4311% | 5,368 |
| Loan and lease loss provision to assets | 0.1257% | 3,775 |
| Net operating income to assets | 0.6497% | 4,121 |
| Return on assets (ROA) | 0.6497% | 4,334 |
| Pretax return on assets | 0.8383% | 4,272 |
| Return on Equity (ROE) | 7.0215% | 3,775 |
| Retained earnings to average equity (ytd only) | -1.3590% | 6,203 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6049% | 3,513 |
| Assets per employee ($millions) | 4.9405% | 2,328 |
| Cash dividends to net income (ytd only)* | 119.3548% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 4,530 |
| Loan loss allowance to noncurrent loans | 450.0000% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 6,536 |
| Noncurrent loans to loans | 0.3149% | 6,050 |
| Net loans and leases to total assets | 44.3629% | 5,972 |
| Net loans and leases to deposits | 49.0462% | 6,218 |
| Net loans and leases to core deposits | 51.9526% | 6,208 |
| Total domestic deposits to total assets | 90.4514% | 829 |
| Equity capital to assets | 8.9212% | 5,609 |
| Core capital (leverage) ratio | 9.3147% | 4,337 |
| Tier 1 risk-based capital ratio | 15.7622% | 3,308 |
| Total risk-based capital ratio | 16.8887% | 3,342 |
| Memoranda: | ||
| Average total assets | $19,086,000 | 7,182 |
| Average earning assets | $16,456,000 | 7,182 |
| Average equity | $1,766,000 | 7,189 |
| Average total loans | $9,310,500 | 7,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 3,628 |
| Cost of funding earning assets | 1.2909% | 1,526 |
| Net interest margin | 3.5485% | 4,945 |
| Noninterest income to average assets | 0.4164% | 4,480 |
| Noninterest expense to average assets | 2.4598% | 5,599 |
| Loan and lease loss provision to assets | 0.0438% | 6,027 |
| Net operating income to assets | 0.8382% | 2,885 |
| Return on assets (ROA) | 0.8382% | 3,043 |
| Pretax return on assets | 1.1505% | 2,645 |
| Return on Equity (ROE) | 9.0747% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.3630% | 965 |
| Net charge-offs to loans | 0.5099% | 2,952 |
| Credit loss provision to net charge-offs | 16.6667% | 5,953 |
| Earnings coverage of net charge-offs (x) | 4.5417% | 3,073 |
| Efficiency ratio | 67.3163% | 4,511 |
| Assets per employee ($millions) | 4.6025% | 2,752 |
| Cash dividends to net income (ytd only)* | 7.8431% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,246 |
| Loan loss allowance to noncurrent loans | 39.4737% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.6513% | 3,476 |
| Noncurrent loans to loans | 3.1250% | 2,069 |
| Net loans and leases to total assets | 52.1890% | 5,287 |
| Net loans and leases to deposits | 59.8853% | 5,495 |
| Net loans and leases to core deposits | 63.8660% | 5,478 |
| Total domestic deposits to total assets | 87.1483% | 2,672 |
| Equity capital to assets | 9.6089% | 4,734 |
| Core capital (leverage) ratio | 9.3687% | 4,228 |
| Tier 1 risk-based capital ratio | 15.0144% | 3,633 |
| Total risk-based capital ratio | 16.0329% | 3,748 |
| Memoranda: | ||
| Average total assets | $18,253,400 | 7,242 |
| Average earning assets | $16,654,800 | 7,219 |
| Average equity | $1,686,000 | 7,257 |
| Average total loans | $9,413,000 | 7,134 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 4,413 |
| Cost of funding earning assets | 1.3524% | 1,444 |
| Net interest margin | 3.3570% | 5,691 |
| Noninterest income to average assets | 0.4099% | 4,593 |
| Noninterest expense to average assets | 2.4156% | 5,720 |
| Loan and lease loss provision to assets | 0.0147% | 6,249 |
| Net operating income to assets | 0.6881% | 3,680 |
| Return on assets (ROA) | 0.6881% | 3,848 |
| Pretax return on assets | 1.0322% | 3,276 |
| Return on Equity (ROE) | 7.5262% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.5654% | 2,213 |
| Net charge-offs to loans | 0.6856% | 2,200 |
| Credit loss provision to net charge-offs | 4.1667% | 5,710 |
| Earnings coverage of net charge-offs (x) | 2.9791% | 3,650 |
| Efficiency ratio | 69.7674% | 3,993 |
| Assets per employee ($millions) | 4.7863% | 2,490 |
| Cash dividends to net income (ytd only)* | 12.7663% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 5,686 |
| Loan loss allowance to noncurrent loans | 232.6531% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 6,423 |
| Noncurrent loans to loans | 0.4937% | 5,856 |
| Net loans and leases to total assets | 51.2458% | 5,548 |
| Net loans and leases to deposits | 56.6390% | 5,967 |
| Net loans and leases to core deposits | 60.1091% | 5,986 |
| Total domestic deposits to total assets | 90.4779% | 648 |
| Equity capital to assets | 8.9266% | 5,840 |
| Core capital (leverage) ratio | 9.1827% | 4,654 |
| Tier 1 risk-based capital ratio | 14.2286% | 4,180 |
| Total risk-based capital ratio | 15.1778% | 4,366 |
| Memoranda: | ||
| Average total assets | $18,214,250 | 7,314 |
| Average earning assets | $16,562,250 | 7,292 |
| Average equity | $1,665,250 | 7,333 |
| Average total loans | $9,334,250 | 7,205 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 4,798 |
| Cost of funding earning assets | 1.4076% | 1,386 |
| Net interest margin | 3.2315% | 6,057 |
| Noninterest income to average assets | 0.3686% | 4,928 |
| Noninterest expense to average assets | 2.4017% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7596% | 3,245 |
| Return on assets (ROA) | 0.7596% | 3,376 |
| Pretax return on assets | 0.9160% | 3,561 |
| Return on Equity (ROE) | 8.2391% | 2,839 |
| Retained earnings to average equity (ytd only) | 6.7851% | 1,973 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3906% | 3,653 |
| Assets per employee ($millions) | 4.4155% | 2,969 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 3,232 |
| Loan loss allowance to noncurrent loans | 77.2947% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 4,546 |
| Noncurrent loans to loans | 2.2364% | 3,178 |
| Net loans and leases to total assets | 51.5004% | 5,629 |
| Net loans and leases to deposits | 57.2399% | 6,025 |
| Net loans and leases to core deposits | 61.0839% | 5,991 |
| Total domestic deposits to total assets | 89.9728% | 990 |
| Equity capital to assets | 9.5289% | 4,774 |
| Core capital (leverage) ratio | 9.4059% | 4,104 |
| Tier 1 risk-based capital ratio | 15.3446% | 3,330 |
| Total risk-based capital ratio | 16.5937% | 3,277 |
| Memoranda: | ||
| Average total assets | $17,904,000 | 7,390 |
| Average earning assets | $16,339,330 | 7,373 |
| Average equity | $1,650,670 | 7,404 |
| Average total loans | $9,137,330 | 7,283 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 5,256 |
| Cost of funding earning assets | 1.4836% | 1,239 |
| Net interest margin | 3.0402% | 6,490 |
| Noninterest income to average assets | 0.3773% | 4,899 |
| Noninterest expense to average assets | 2.4632% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5770% | 4,150 |
| Return on assets (ROA) | 0.5770% | 4,226 |
| Pretax return on assets | 0.6879% | 4,350 |
| Return on Equity (ROE) | 6.3628% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.4261% | 4,134 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1690% | 2,821 |
| Assets per employee ($millions) | 4.5200% | 2,855 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 3,145 |
| Loan loss allowance to noncurrent loans | 202.5316% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 6,117 |
| Noncurrent loans to loans | 0.8676% | 5,302 |
| Net loans and leases to total assets | 49.4801% | 5,909 |
| Net loans and leases to deposits | 54.7524% | 6,234 |
| Net loans and leases to core deposits | 58.3219% | 6,225 |
| Total domestic deposits to total assets | 90.3706% | 920 |
| Equity capital to assets | 9.0763% | 5,084 |
| Core capital (leverage) ratio | 9.1005% | 4,449 |
| Tier 1 risk-based capital ratio | 15.1189% | 3,364 |
| Total risk-based capital ratio | 16.3718% | 3,321 |
| Memoranda: | ||
| Average total assets | $18,025,000 | 7,443 |
| Average earning assets | $16,446,500 | 7,421 |
| Average equity | $1,634,500 | 7,463 |
| Average total loans | $9,078,000 | 7,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 3,051 |
| Cost of funding earning assets | 1.8787% | 914 |
| Net interest margin | 3.4364% | 5,488 |
| Noninterest income to average assets | 0.4785% | 4,325 |
| Noninterest expense to average assets | 2.5088% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7729% | 2,914 |
| Return on assets (ROA) | 0.7729% | 3,037 |
| Pretax return on assets | 1.0550% | 2,754 |
| Return on Equity (ROE) | 8.0357% | 2,686 |
| Retained earnings to average equity (ytd only) | 7.2704% | 1,216 |
| Net charge-offs to loans | -0.0111% | 7,318 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3959% | 4,090 |
| Assets per employee ($millions) | 4.4925% | 2,888 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,965 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 5,574 |
| Noncurrent loans to loans | 1.4144% | 4,360 |
| Net loans and leases to total assets | 49.4713% | 6,217 |
| Net loans and leases to deposits | 54.7717% | 6,545 |
| Net loans and leases to core deposits | 58.3678% | 6,528 |
| Total domestic deposits to total assets | 90.3228% | 924 |
| Equity capital to assets | 9.0595% | 5,061 |
| Core capital (leverage) ratio | 9.0419% | 4,468 |
| Tier 1 risk-based capital ratio | 14.8094% | 3,368 |
| Total risk-based capital ratio | 16.0648% | 3,319 |
| Memoranda: | ||
| Average total assets | $16,302,600 | 7,548 |
| Average earning assets | $14,637,600 | 7,535 |
| Average equity | $1,568,000 | 7,575 |
| Average total loans | $9,001,000 | 7,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 3,118 |
| Cost of funding earning assets | 1.9081% | 1,009 |
| Net interest margin | 3.4421% | 5,522 |
| Noninterest income to average assets | 0.5036% | 4,156 |
| Noninterest expense to average assets | 2.5683% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8058% | 2,979 |
| Return on assets (ROA) | 0.8058% | 3,125 |
| Pretax return on assets | 1.0240% | 3,092 |
| Return on Equity (ROE) | 8.2421% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.2118% | 1,747 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4953% | 3,800 |
| Assets per employee ($millions) | 4.2835% | 3,289 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 2,838 |
| Loan loss allowance to noncurrent loans | 115.2174% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 5,486 |
| Noncurrent loans to loans | 1.5469% | 4,313 |
| Net loans and leases to total assets | 51.1381% | 6,206 |
| Net loans and leases to deposits | 56.8039% | 6,557 |
| Net loans and leases to core deposits | 60.7418% | 6,557 |
| Total domestic deposits to total assets | 90.0257% | 869 |
| Equity capital to assets | 9.3265% | 5,093 |
| Core capital (leverage) ratio | 9.6608% | 3,673 |
| Tier 1 risk-based capital ratio | 14.8873% | 3,307 |
| Total risk-based capital ratio | 16.1356% | 3,287 |
| Memoranda: | ||
| Average total assets | $15,885,750 | 7,652 |
| Average earning assets | $14,254,500 | 7,636 |
| Average equity | $1,553,000 | 7,680 |
| Average total loans | $8,988,750 | 7,525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 3,216 |
| Cost of funding earning assets | 1.9492% | 1,046 |
| Net interest margin | 3.4004% | 5,645 |
| Noninterest income to average assets | 0.5171% | 3,975 |
| Noninterest expense to average assets | 2.4823% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8533% | 2,716 |
| Return on assets (ROA) | 0.8533% | 2,867 |
| Pretax return on assets | 1.1248% | 2,692 |
| Return on Equity (ROE) | 8.5826% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.0221% | 1,820 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8172% | 4,425 |
| Assets per employee ($millions) | 4.0385% | 3,700 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 2,968 |
| Loan loss allowance to noncurrent loans | 55.9859% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 3,821 |
| Noncurrent loans to loans | 3.0893% | 2,604 |
| Net loans and leases to total assets | 55.9242% | 5,716 |
| Net loans and leases to deposits | 62.4024% | 6,195 |
| Net loans and leases to core deposits | 67.0327% | 6,152 |
| Total domestic deposits to total assets | 89.6187% | 1,119 |
| Equity capital to assets | 9.7066% | 4,399 |
| Core capital (leverage) ratio | 9.7114% | 3,522 |
| Tier 1 risk-based capital ratio | 14.7632% | 3,281 |
| Total risk-based capital ratio | 16.0154% | 3,259 |
| Memoranda: | ||
| Average total assets | $15,469,670 | 7,724 |
| Average earning assets | $14,057,330 | 7,706 |
| Average equity | $1,538,000 | 7,748 |
| Average total loans | $9,011,330 | 7,589 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3524% | 3,288 |
| Cost of funding earning assets | 1.9998% | 1,086 |
| Net interest margin | 3.3526% | 5,774 |
| Noninterest income to average assets | 0.5817% | 3,405 |
| Noninterest expense to average assets | 2.4855% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7933% | 3,000 |
| Return on assets (ROA) | 0.7933% | 3,111 |
| Pretax return on assets | 1.1106% | 2,698 |
| Return on Equity (ROE) | 7.8792% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.7275% | 3,310 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1176% | 4,486 |
| Assets per employee ($millions) | 3.9105% | 4,070 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 2,890 |
| Loan loss allowance to noncurrent loans | 63.3466% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6047% | 4,085 |
| Noncurrent loans to loans | 2.7661% | 2,891 |
| Net loans and leases to total assets | 56.9940% | 5,606 |
| Net loans and leases to deposits | 63.6467% | 6,089 |
| Net loans and leases to core deposits | 68.5400% | 6,052 |
| Total domestic deposits to total assets | 89.5474% | 1,211 |
| Equity capital to assets | 9.7941% | 4,116 |
| Core capital (leverage) ratio | 10.0565% | 3,092 |
| Tier 1 risk-based capital ratio | 14.7237% | 3,244 |
| Total risk-based capital ratio | 15.9731% | 3,210 |
| Memoranda: | ||
| Average total assets | $15,127,500 | 7,828 |
| Average earning assets | $13,601,500 | 7,817 |
| Average equity | $1,523,000 | 7,837 |
| Average total loans | $8,920,500 | 7,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9581% | 2,023 |
| Cost of funding earning assets | 2.1805% | 2,113 |
| Net interest margin | 3.7777% | 3,808 |
| Noninterest income to average assets | 0.6090% | 3,557 |
| Noninterest expense to average assets | 3.1003% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6011% | 3,329 |
| Return on assets (ROA) | 0.6011% | 3,402 |
| Pretax return on assets | 0.8384% | 3,120 |
| Return on Equity (ROE) | 5.1497% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.4558% | 2,750 |
| Net charge-offs to loans | -0.0366% | 7,827 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7149% | 3,088 |
| Assets per employee ($millions) | 3.6533% | 4,639 |
| Cash dividends to net income (ytd only)* | 32.8947% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,500 |
| Loan loss allowance to noncurrent loans | 50.3165% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 3,185 |
| Noncurrent loans to loans | 3.6044% | 2,094 |
| Net loans and leases to total assets | 58.9065% | 5,502 |
| Net loans and leases to deposits | 66.0224% | 6,044 |
| Net loans and leases to core deposits | 89.5920% | 5,174 |
| Total domestic deposits to total assets | 89.2219% | 1,374 |
| Equity capital to assets | 10.3606% | 3,329 |
| Core capital (leverage) ratio | 10.7353% | 2,397 |
| Tier 1 risk-based capital ratio | 14.7062% | 3,095 |
| Total risk-based capital ratio | 15.9592% | 3,048 |
| Memoranda: | ||
| Average total assets | $12,643,800 | 7,939 |
| Average earning assets | $11,144,400 | 7,926 |
| Average equity | $1,475,800 | 7,933 |
| Average total loans | $8,207,000 | 7,775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0724% | 1,752 |
| Cost of funding earning assets | 2.2444% | 2,208 |
| Net interest margin | 3.8279% | 3,539 |
| Noninterest income to average assets | 0.6035% | 3,672 |
| Noninterest expense to average assets | 3.2588% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5376% | 3,836 |
| Return on assets (ROA) | 0.5376% | 3,922 |
| Pretax return on assets | 0.7132% | 3,807 |
| Return on Equity (ROE) | 4.4556% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.1824% | 4,107 |
| Net charge-offs to loans | -0.0496% | 7,855 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0442% | 2,579 |
| Assets per employee ($millions) | 3.2993% | 5,403 |
| Cash dividends to net income (ytd only)* | 51.0179% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 2,403 |
| Loan loss allowance to noncurrent loans | 37.2365% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 3.2356% | 2,096 |
| Noncurrent loans to loans | 4.7339% | 1,447 |
| Net loans and leases to total assets | 67.1440% | 4,150 |
| Net loans and leases to deposits | 76.1189% | 5,017 |
| Net loans and leases to core deposits | 106.4512% | 3,650 |
| Total domestic deposits to total assets | 88.2094% | 1,557 |
| Equity capital to assets | 11.2677% | 2,777 |
| Core capital (leverage) ratio | 11.4429% | 2,104 |
| Tier 1 risk-based capital ratio | 15.0339% | 3,022 |
| Total risk-based capital ratio | 16.2875% | 2,962 |
| Memoranda: | ||
| Average total assets | $12,151,500 | 8,027 |
| Average earning assets | $10,693,000 | 8,012 |
| Average equity | $1,466,250 | 8,017 |
| Average total loans | $8,067,000 | 7,858 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1650% | 1,576 |
| Cost of funding earning assets | 2.2921% | 2,383 |
| Net interest margin | 3.8729% | 3,235 |
| Noninterest income to average assets | 0.5931% | 3,750 |
| Noninterest expense to average assets | 3.2873% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5422% | 3,923 |
| Return on assets (ROA) | 0.5422% | 4,034 |
| Pretax return on assets | 0.6270% | 4,243 |
| Return on Equity (ROE) | 4.3856% | 4,348 |
| Retained earnings to average equity (ytd only) | 0.9593% | 4,799 |
| Net charge-offs to loans | -0.0774% | 7,911 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9827% | 2,473 |
| Assets per employee ($millions) | 3.1658% | 5,678 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 1,888 |
| Loan loss allowance to noncurrent loans | 49.5327% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.5349% | 2,539 |
| Noncurrent loans to loans | 3.7544% | 1,842 |
| Net loans and leases to total assets | 66.2639% | 4,518 |
| Net loans and leases to deposits | 75.3773% | 5,266 |
| Net loans and leases to core deposits | 108.5932% | 3,541 |
| Total domestic deposits to total assets | 87.9097% | 1,814 |
| Equity capital to assets | 11.6086% | 2,465 |
| Core capital (leverage) ratio | 12.0472% | 1,812 |
| Tier 1 risk-based capital ratio | 15.4753% | 2,821 |
| Total risk-based capital ratio | 16.7281% | 2,754 |
| Memoranda: | ||
| Average total assets | $11,803,000 | 8,121 |
| Average earning assets | $10,121,670 | 8,112 |
| Average equity | $1,459,330 | 8,103 |
| Average total loans | $7,749,330 | 7,956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0870% | 1,991 |
| Cost of funding earning assets | 2.2426% | 2,947 |
| Net interest margin | 3.8444% | 3,275 |
| Noninterest income to average assets | 0.6331% | 3,327 |
| Noninterest expense to average assets | 3.6226% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2462% | 5,498 |
| Return on assets (ROA) | 0.2462% | 5,663 |
| Pretax return on assets | 0.3869% | 5,437 |
| Return on Equity (ROE) | 1.9257% | 5,795 |
| Retained earnings to average equity (ytd only) | -4.9519% | 6,544 |
| Net charge-offs to loans | -0.1633% | 7,986 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3509% | 1,697 |
| Assets per employee ($millions) | 2.8885% | 6,441 |
| Cash dividends to net income (ytd only)* | 357.1429% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 1,114 |
| Loan loss allowance to noncurrent loans | 67.3729% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0426% | 2,834 |
| Noncurrent loans to loans | 3.2258% | 2,003 |
| Net loans and leases to total assets | 61.9439% | 5,339 |
| Net loans and leases to deposits | 71.2565% | 5,837 |
| Net loans and leases to core deposits | 98.0277% | 4,745 |
| Total domestic deposits to total assets | 86.9309% | 2,252 |
| Equity capital to assets | 12.5065% | 1,967 |
| Core capital (leverage) ratio | 12.8444% | 1,538 |
| Tier 1 risk-based capital ratio | 17.4096% | 2,212 |
| Total risk-based capital ratio | 18.6627% | 2,155 |
| Memoranda: | ||
| Average total assets | $11,373,000 | 8,176 |
| Average earning assets | $9,988,500 | 8,162 |
| Average equity | $1,454,000 | 8,160 |
| Average total loans | $7,349,000 | 8,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3956% | 3,442 |
| Cost of funding earning assets | 2.8292% | 2,586 |
| Net interest margin | 3.5664% | 5,032 |
| Noninterest income to average assets | 0.6415% | 3,539 |
| Noninterest expense to average assets | 3.3359% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4582% | 4,916 |
| Return on assets (ROA) | 0.4582% | 4,742 |
| Pretax return on assets | 0.5865% | 4,733 |
| Return on Equity (ROE) | 3.4640% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.6327% | 3,548 |
| Net charge-offs to loans | -0.0144% | 7,891 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0467% | 1,944 |
| Assets per employee ($millions) | 2.7980% | 6,562 |
| Cash dividends to net income (ytd only)* | 24.0000% | 4,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,054 |
| Loan loss allowance to noncurrent loans | 187.9518% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 4,999 |
| Noncurrent loans to loans | 1.1244% | 4,298 |
| Net loans and leases to total assets | 64.5640% | 5,159 |
| Net loans and leases to deposits | 74.8964% | 5,747 |
| Net loans and leases to core deposits | 99.7653% | 4,843 |
| Total domestic deposits to total assets | 86.2044% | 2,310 |
| Equity capital to assets | 13.0718% | 1,755 |
| Core capital (leverage) ratio | 13.2506% | 1,461 |
| Tier 1 risk-based capital ratio | 17.3898% | 2,210 |
| Total risk-based capital ratio | 18.6497% | 2,150 |
| Memoranda: | ||
| Average total assets | $10,911,600 | 8,235 |
| Average earning assets | $10,038,200 | 8,216 |
| Average equity | $1,443,400 | 8,226 |
| Average total loans | $6,968,600 | 8,081 |