Home > Camp Grove State Bank > Performance and Condition Ratios
Camp Grove State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0343% | 1,131 |
| Cost of funding earning assets | 3.3642% | 153 |
| Net interest margin | 2.6701% | 3,870 |
| Noninterest income to average assets | -0.0100% | 4,449 |
| Noninterest expense to average assets | 2.3827% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1128% | 4,062 |
| Return on assets (ROA) | 0.3518% | 3,824 |
| Pretax return on assets | 0.3518% | 3,886 |
| Return on Equity (ROE) | 3.5000% | 3,784 |
| Retained earnings to average equity (ytd only) | 3.5047% | 2,969 |
| Net charge-offs to loans | -0.0330% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 94.9468% | 357 |
| Assets per employee ($millions) | 9.9243% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,481 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 19.6900% | 4,296 |
| Net loans and leases to deposits | 25.4953% | 4,298 |
| Net loans and leases to core deposits | 27.6408% | 4,278 |
| Total domestic deposits to total assets | 77.2200% | 3,894 |
| Equity capital to assets | 10.3281% | 2,024 |
| Core capital (leverage) ratio | 9.1142% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3422% | 445 |
| Memoranda: | ||
| Average total assets | $60,266,500 | 4,120 |
| Average earning assets | $56,477,500 | 4,094 |
| Average equity | $6,049,000 | 4,155 |
| Average total loans | $12,128,000 | 4,289 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4120% | 797 |
| Cost of funding earning assets | 3.8275% | 97 |
| Net interest margin | 2.5845% | 3,793 |
| Noninterest income to average assets | 0.0300% | 4,404 |
| Noninterest expense to average assets | 2.6701% | 1,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.2311% | 4,289 |
| Return on assets (ROA) | 0.1819% | 4,027 |
| Pretax return on assets | 0.1819% | 4,052 |
| Return on Equity (ROE) | 1.9600% | 3,993 |
| Retained earnings to average equity (ytd only) | 1.9647% | 3,388 |
| Net charge-offs to loans | -0.0408% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 107.9973% | 193 |
| Assets per employee ($millions) | 10.1645% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,449 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 19.9900% | 4,319 |
| Net loans and leases to deposits | 25.4920% | 4,311 |
| Net loans and leases to core deposits | 27.9934% | 4,294 |
| Total domestic deposits to total assets | 78.4100% | 3,733 |
| Equity capital to assets | 9.7529% | 2,275 |
| Core capital (leverage) ratio | 8.9404% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5941% | 607 |
| Memoranda: | ||
| Average total assets | $61,008,400 | 4,126 |
| Average earning assets | $56,799,600 | 4,102 |
| Average equity | $5,649,800 | 4,185 |
| Average total loans | $12,240,600 | 4,303 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3323% | 849 |
| Cost of funding earning assets | 3.8608% | 100 |
| Net interest margin | 2.4714% | 3,934 |
| Noninterest income to average assets | 0.0300% | 4,423 |
| Noninterest expense to average assets | 2.6288% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.2928% | 4,345 |
| Return on assets (ROA) | 0.2338% | 3,982 |
| Pretax return on assets | 0.2338% | 4,028 |
| Return on Equity (ROE) | 2.5600% | 3,951 |
| Retained earnings to average equity (ytd only) | 2.5589% | 3,305 |
| Net charge-offs to loans | -0.0328% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 111.0384% | 172 |
| Assets per employee ($millions) | 10.8988% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,326 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,510 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 18.1600% | 4,357 |
| Net loans and leases to deposits | 22.8560% | 4,360 |
| Net loans and leases to core deposits | 25.3204% | 4,344 |
| Total domestic deposits to total assets | 79.4400% | 3,547 |
| Equity capital to assets | 9.5882% | 2,593 |
| Core capital (leverage) ratio | 8.6608% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6404% | 623 |
| Memoranda: | ||
| Average total assets | $61,013,750 | 4,141 |
| Average earning assets | $56,808,250 | 4,125 |
| Average equity | $5,575,250 | 4,217 |
| Average total loans | $12,210,500 | 4,330 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3243% | 788 |
| Cost of funding earning assets | 3.8380% | 94 |
| Net interest margin | 2.4864% | 3,900 |
| Noninterest income to average assets | 0.0400% | 4,424 |
| Noninterest expense to average assets | 2.6161% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.2653% | 4,360 |
| Return on assets (ROA) | -0.0470% | 4,306 |
| Pretax return on assets | -0.0470% | 4,290 |
| Return on Equity (ROE) | -0.5200% | 4,287 |
| Retained earnings to average equity (ytd only) | -0.5240% | 3,996 |
| Net charge-offs to loans | -0.0326% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 109.7143% | 188 |
| Assets per employee ($millions) | 8.9653% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,256 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,460 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 18.3500% | 4,373 |
| Net loans and leases to deposits | 22.9660% | 4,377 |
| Net loans and leases to core deposits | 25.5287% | 4,358 |
| Total domestic deposits to total assets | 79.9100% | 3,460 |
| Equity capital to assets | 8.6731% | 2,973 |
| Core capital (leverage) ratio | 8.5441% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6984% | 823 |
| Memoranda: | ||
| Average total assets | $59,554,000 | 4,174 |
| Average earning assets | $55,341,667 | 4,160 |
| Average equity | $5,343,667 | 4,248 |
| Average total loans | $12,266,667 | 4,352 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3545% | 690 |
| Cost of funding earning assets | 3.8916% | 80 |
| Net interest margin | 2.4629% | 3,921 |
| Noninterest income to average assets | 0.0400% | 4,422 |
| Noninterest expense to average assets | 2.6297% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.3037% | 4,413 |
| Return on assets (ROA) | -0.1242% | 4,337 |
| Pretax return on assets | -0.1242% | 4,325 |
| Return on Equity (ROE) | -1.3600% | 4,319 |
| Retained earnings to average equity (ytd only) | -1.3600% | 3,872 |
| Net charge-offs to loans | -0.0319% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 111.5727% | 173 |
| Assets per employee ($millions) | 8.2877% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,416 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 20.4500% | 4,383 |
| Net loans and leases to deposits | 23.4854% | 4,389 |
| Net loans and leases to core deposits | 26.2284% | 4,419 |
| Total domestic deposits to total assets | 87.0900% | 1,745 |
| Equity capital to assets | 9.1374% | 2,581 |
| Core capital (leverage) ratio | 8.1974% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6612% | 838 |
| Memoranda: | ||
| Average total assets | $57,952,500 | 4,215 |
| Average earning assets | $53,757,500 | 4,196 |
| Average equity | $5,294,000 | 4,273 |
| Average total loans | $12,557,500 | 4,369 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2720% | 451 |
| Cost of funding earning assets | 3.4751% | 78 |
| Net interest margin | 2.7968% | 3,674 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 2.6931% | 1,755 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | -0.1789% | 4,454 |
| Return on assets (ROA) | -0.1304% | 4,423 |
| Pretax return on assets | -0.2049% | 4,427 |
| Return on Equity (ROE) | -1.4300% | 4,400 |
| Retained earnings to average equity (ytd only) | -1.4344% | 4,223 |
| Net charge-offs to loans | -0.0462% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 109.4340% | 115 |
| Assets per employee ($millions) | 6.4323% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 1,929 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,321 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 22.3100% | 4,384 |
| Net loans and leases to deposits | 25.6067% | 4,397 |
| Net loans and leases to core deposits | 27.9670% | 4,415 |
| Total domestic deposits to total assets | 87.1300% | 1,634 |
| Equity capital to assets | 9.1327% | 2,587 |
| Core capital (leverage) ratio | 8.3405% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9075% | 939 |
| Memoranda: | ||
| Average total assets | $53,692,800 | 4,277 |
| Average earning assets | $48,948,000 | 4,265 |
| Average equity | $4,880,200 | 4,270 |
| Average total loans | $12,978,800 | 4,377 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2041% | 419 |
| Cost of funding earning assets | 3.3044% | 85 |
| Net interest margin | 2.8997% | 3,545 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 2.7100% | 1,630 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | -0.3622% | 4,520 |
| Return on assets (ROA) | -0.3115% | 4,503 |
| Pretax return on assets | -0.2533% | 4,482 |
| Return on Equity (ROE) | -3.4300% | 4,478 |
| Retained earnings to average equity (ytd only) | -3.4320% | 4,376 |
| Net charge-offs to loans | -0.0515% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 108.8995% | 110 |
| Assets per employee ($millions) | 6.4734% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,380 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,096 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 22.0800% | 4,418 |
| Net loans and leases to deposits | 24.1438% | 4,431 |
| Net loans and leases to core deposits | 25.8339% | 4,419 |
| Total domestic deposits to total assets | 91.4600% | 565 |
| Equity capital to assets | 8.0774% | 3,007 |
| Core capital (leverage) ratio | 8.0621% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,643,250 | 4,309 |
| Average earning assets | $47,773,500 | 4,291 |
| Average equity | $4,778,500 | 4,286 |
| Average total loans | $12,953,000 | 4,398 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9526% | 467 |
| Cost of funding earning assets | 2.9807% | 86 |
| Net interest margin | 2.9719% | 3,506 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 3.2342% | 760 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | -0.6003% | 4,574 |
| Return on assets (ROA) | -0.4806% | 4,562 |
| Pretax return on assets | -0.4885% | 4,553 |
| Return on Equity (ROE) | -5.0800% | 4,544 |
| Retained earnings to average equity (ytd only) | -5.0805% | 4,422 |
| Net charge-offs to loans | -0.0310% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 120.3240% | 71 |
| Assets per employee ($millions) | 6.5694% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 4,093 |
| Loan loss allowance to noncurrent loans | 96.1538% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 1,936 |
| Noncurrent loans to loans | 0.7864% | 965 |
| Net loans and leases to total assets | 22.2000% | 4,436 |
| Net loans and leases to deposits | 24.5497% | 4,449 |
| Net loans and leases to core deposits | 25.9824% | 4,441 |
| Total domestic deposits to total assets | 90.4200% | 811 |
| Equity capital to assets | 8.0203% | 3,202 |
| Core capital (leverage) ratio | 8.0940% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $50,770,667 | 4,352 |
| Average earning assets | $45,694,667 | 4,332 |
| Average equity | $4,802,667 | 4,309 |
| Average total loans | $12,920,667 | 4,425 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 625 |
| Cost of funding earning assets | 2.4403% | 111 |
| Net interest margin | 3.0576% | 3,445 |
| Noninterest income to average assets | -0.0600% | 4,659 |
| Noninterest expense to average assets | 3.4425% | 578 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | -0.8490% | 4,612 |
| Return on assets (ROA) | -0.7641% | 4,602 |
| Pretax return on assets | -0.7726% | 4,591 |
| Return on Equity (ROE) | -7.3700% | 4,577 |
| Retained earnings to average equity (ytd only) | -7.3660% | 4,410 |
| Net charge-offs to loans | -0.0313% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 128.7097% | 57 |
| Assets per employee ($millions) | 5.5433% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 4,166 |
| Loan loss allowance to noncurrent loans | 91.3462% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 1,651 |
| Noncurrent loans to loans | 0.8277% | 924 |
| Net loans and leases to total assets | 24.9900% | 4,466 |
| Net loans and leases to deposits | 28.2306% | 4,478 |
| Net loans and leases to core deposits | 29.3529% | 4,469 |
| Total domestic deposits to total assets | 88.5400% | 1,721 |
| Equity capital to assets | 9.6673% | 2,023 |
| Core capital (leverage) ratio | 9.8322% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $46,593,500 | 4,442 |
| Average earning assets | $41,471,000 | 4,441 |
| Average equity | $4,833,000 | 4,361 |
| Average total loans | $12,768,500 | 4,485 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 942 |
| Cost of funding earning assets | 1.2241% | 66 |
| Net interest margin | 3.1428% | 3,049 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 4.1413% | 299 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | -1.2688% | 4,669 |
| Return on assets (ROA) | -1.1646% | 4,660 |
| Pretax return on assets | -1.2604% | 4,658 |
| Return on Equity (ROE) | -9.5300% | 4,657 |
| Retained earnings to average equity (ytd only) | -9.5258% | 4,628 |
| Net charge-offs to loans | -0.0103% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 139.8629% | 47 |
| Assets per employee ($millions) | 4.8108% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 4,279 |
| Loan loss allowance to noncurrent loans | 75.2212% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 1,278 |
| Noncurrent loans to loans | 0.8711% | 858 |
| Net loans and leases to total assets | 29.7600% | 4,396 |
| Net loans and leases to deposits | 33.6107% | 4,401 |
| Net loans and leases to core deposits | 35.3980% | 4,387 |
| Total domestic deposits to total assets | 88.5600% | 1,861 |
| Equity capital to assets | 11.1855% | 1,189 |
| Core capital (leverage) ratio | 10.9366% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0036% | 303 |
| Memoranda: | ||
| Average total assets | $34,433,400 | 4,582 |
| Average earning assets | $30,227,400 | 4,567 |
| Average equity | $4,209,600 | 4,511 |
| Average total loans | $9,715,800 | 4,564 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 1,515 |
| Cost of funding earning assets | 0.9201% | 95 |
| Net interest margin | 2.9679% | 3,301 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 4.1343% | 301 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | -1.3688% | 4,714 |
| Return on assets (ROA) | -1.2664% | 4,709 |
| Pretax return on assets | -1.2829% | 4,700 |
| Return on Equity (ROE) | -10.0700% | 4,700 |
| Retained earnings to average equity (ytd only) | -10.0707% | 4,677 |
| Net charge-offs to loans | 0.0150% | 1,570 |
| Credit loss provision to net charge-offs | 3,400.0000% | 163 |
| Earnings coverage of net charge-offs (x) | -301.0000% | 4,761 |
| Efficiency ratio | 143.5530% | 45 |
| Assets per employee ($millions) | 5.7603% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4470% | 4,515 |
| Loan loss allowance to noncurrent loans | 47.1154% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,318 |
| Noncurrent loans to loans | 0.9487% | 821 |
| Net loans and leases to total assets | 27.0600% | 4,482 |
| Net loans and leases to deposits | 30.1464% | 4,496 |
| Net loans and leases to core deposits | 32.2641% | 4,477 |
| Total domestic deposits to total assets | 89.7800% | 1,751 |
| Equity capital to assets | 9.9896% | 1,630 |
| Core capital (leverage) ratio | 10.0197% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4046% | 413 |
| Memoranda: | ||
| Average total assets | $32,217,500 | 4,629 |
| Average earning assets | $28,257,000 | 4,613 |
| Average equity | $4,051,250 | 4,573 |
| Average total loans | $8,901,750 | 4,614 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 2,290 |
| Cost of funding earning assets | 0.7107% | 150 |
| Net interest margin | 2.7414% | 3,603 |
| Noninterest income to average assets | 0.4201% | 2,628 |
| Noninterest expense to average assets | 4.4722% | 218 |
| Loan and lease loss provision to assets | 0.1626% | 568 |
| Net operating income to assets | -0.9148% | 4,714 |
| Return on assets (ROA) | -0.9148% | 4,708 |
| Pretax return on assets | -1.8363% | 4,723 |
| Return on Equity (ROE) | -6.6519% | 4,699 |
| Retained earnings to average equity (ytd only) | -6.6519% | 4,583 |
| Net charge-offs to loans | 0.0487% | 908 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | -123.5000% | 2,151 |
| Efficiency ratio | 161.0169% | 33 |
| Assets per employee ($millions) | 5.1509% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4075% | 4,617 |
| Loan loss allowance to noncurrent loans | 36.5385% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 954 |
| Noncurrent loans to loans | 1.1152% | 737 |
| Net loans and leases to total assets | 25.7599% | 4,568 |
| Net loans and leases to deposits | 29.3404% | 4,559 |
| Net loans and leases to core deposits | 30.9239% | 4,549 |
| Total domestic deposits to total assets | 87.7968% | 2,657 |
| Equity capital to assets | 11.5487% | 1,017 |
| Core capital (leverage) ratio | 11.5339% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3974% | 308 |
| Memoranda: | ||
| Average total assets | $29,516,000 | 4,684 |
| Average earning assets | $25,607,667 | 4,677 |
| Average equity | $4,059,000 | 4,614 |
| Average total loans | $8,215,000 | 4,685 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 2,303 |
| Cost of funding earning assets | 0.4496% | 658 |
| Net interest margin | 2.8773% | 2,905 |
| Noninterest income to average assets | 0.0914% | 4,540 |
| Noninterest expense to average assets | 5.3037% | 155 |
| Loan and lease loss provision to assets | 0.1676% | 469 |
| Net operating income to assets | -1.9660% | 4,763 |
| Return on assets (ROA) | -1.9660% | 4,764 |
| Pretax return on assets | -2.9414% | 4,768 |
| Return on Equity (ROE) | -12.8791% | 4,758 |
| Retained earnings to average equity (ytd only) | -12.8791% | 4,611 |
| Net charge-offs to loans | 0.2089% | 293 |
| Credit loss provision to net charge-offs | 275.0000% | 694 |
| Earnings coverage of net charge-offs (x) | -45.5000% | 1,826 |
| Efficiency ratio | 213.2530% | 21 |
| Assets per employee ($millions) | 4.2084% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2850% | 4,694 |
| Loan loss allowance to noncurrent loans | 12.6374% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 935 |
| Noncurrent loans to loans | 2.2550% | 293 |
| Net loans and leases to total assets | 27.3193% | 4,527 |
| Net loans and leases to deposits | 31.6913% | 4,505 |
| Net loans and leases to core deposits | 33.6750% | 4,486 |
| Total domestic deposits to total assets | 86.2046% | 3,191 |
| Equity capital to assets | 13.1505% | 659 |
| Core capital (leverage) ratio | 13.0968% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5968% | 250 |
| Memoranda: | ||
| Average total assets | $26,246,000 | 4,734 |
| Average earning assets | $22,243,000 | 4,728 |
| Average equity | $4,006,500 | 4,654 |
| Average total loans | $7,659,500 | 4,716 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3385% | 4,569 |
| Cost of funding earning assets | 0.5702% | 633 |
| Net interest margin | 1.7683% | 4,672 |
| Noninterest income to average assets | 0.1701% | 4,308 |
| Noninterest expense to average assets | 6.4537% | 116 |
| Loan and lease loss provision to assets | 1.1392% | 24 |
| Net operating income to assets | -6.3764% | 4,831 |
| Return on assets (ROA) | -6.3764% | 4,831 |
| Pretax return on assets | -6.0001% | 4,830 |
| Return on Equity (ROE) | -37.0359% | 4,831 |
| Retained earnings to average equity (ytd only) | -37.0359% | 4,823 |
| Net charge-offs to loans | 3.3639% | 11 |
| Credit loss provision to net charge-offs | 107.2816% | 1,730 |
| Earnings coverage of net charge-offs (x) | -4.5777% | 2,672 |
| Efficiency ratio | 421.3592% | 10 |
| Assets per employee ($millions) | 3.2904% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2208% | 4,751 |
| Loan loss allowance to noncurrent loans | 4.1451% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 229 |
| Noncurrent loans to loans | 5.3256% | 65 |
| Net loans and leases to total assets | 31.3984% | 4,470 |
| Net loans and leases to deposits | 38.5132% | 4,381 |
| Net loans and leases to core deposits | 55.3879% | 3,672 |
| Total domestic deposits to total assets | 81.5265% | 4,037 |
| Equity capital to assets | 17.9699% | 259 |
| Core capital (leverage) ratio | 15.7608% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9787% | 202 |
| Memoranda: | ||
| Average total assets | $19,399,800 | 4,808 |
| Average earning assets | $15,608,000 | 4,805 |
| Average equity | $3,340,000 | 4,752 |
| Average total loans | $6,123,800 | 4,783 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7881% | 4,308 |
| Cost of funding earning assets | 0.3179% | 2,422 |
| Net interest margin | 2.4703% | 4,326 |
| Noninterest income to average assets | 0.4182% | 2,993 |
| Noninterest expense to average assets | 7.6934% | 99 |
| Loan and lease loss provision to assets | -0.0595% | 4,490 |
| Net operating income to assets | -5.9269% | 4,905 |
| Return on assets (ROA) | -5.9269% | 4,905 |
| Pretax return on assets | -5.2563% | 4,904 |
| Return on Equity (ROE) | -34.9008% | 4,906 |
| Retained earnings to average equity (ytd only) | -34.9008% | 4,898 |
| Net charge-offs to loans | -0.0228% | 4,016 |
| Credit loss provision to net charge-offs | 800.0000% | 590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 323.3333% | 14 |
| Assets per employee ($millions) | 2.7637% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 765 |
| Loan loss allowance to noncurrent loans | 49.3023% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1113% | 567 |
| Noncurrent loans to loans | 3.8579% | 138 |
| Net loans and leases to total assets | 28.2591% | 4,639 |
| Net loans and leases to deposits | 36.0074% | 4,576 |
| Net loans and leases to core deposits | 39.9313% | 4,516 |
| Total domestic deposits to total assets | 78.4813% | 4,376 |
| Equity capital to assets | 20.7020% | 164 |
| Core capital (leverage) ratio | 17.3133% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0293% | 167 |
| Memoranda: | ||
| Average total assets | $18,491,500 | 4,886 |
| Average earning assets | $14,681,000 | 4,884 |
| Average equity | $3,140,250 | 4,832 |
| Average total loans | $5,842,750 | 4,854 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7874% | 4,360 |
| Cost of funding earning assets | 0.4509% | 1,510 |
| Net interest margin | 2.3365% | 4,483 |
| Noninterest income to average assets | 0.4284% | 2,960 |
| Noninterest expense to average assets | 8.0410% | 93 |
| Loan and lease loss provision to assets | 0.3735% | 193 |
| Net operating income to assets | -7.0194% | 4,946 |
| Return on assets (ROA) | -7.0194% | 4,945 |
| Pretax return on assets | -6.1077% | 4,941 |
| Return on Equity (ROE) | -44.8107% | 4,941 |
| Retained earnings to average equity (ytd only) | -44.8107% | 4,935 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 348.5714% | 10 |
| Assets per employee ($millions) | 2.8210% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.8585% | 238 |
| Noncurrent loans to loans | 7.1848% | 35 |
| Net loans and leases to total assets | 25.8672% | 4,751 |
| Net loans and leases to deposits | 31.6422% | 4,731 |
| Net loans and leases to core deposits | 34.8384% | 4,697 |
| Total domestic deposits to total assets | 81.7491% | 3,967 |
| Equity capital to assets | 17.7090% | 284 |
| Core capital (leverage) ratio | 18.3088% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6276% | 118 |
| Memoranda: | ||
| Average total assets | $18,206,667 | 4,922 |
| Average earning assets | $14,637,333 | 4,919 |
| Average equity | $2,852,000 | 4,875 |
| Average total loans | $5,932,667 | 4,890 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 3,907 |
| Cost of funding earning assets | 0.5950% | 888 |
| Net interest margin | 2.4933% | 4,310 |
| Noninterest income to average assets | 0.4817% | 2,701 |
| Noninterest expense to average assets | 3.5328% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.0323% | 4,927 |
| Return on assets (ROA) | -1.0323% | 4,927 |
| Pretax return on assets | -1.0323% | 4,930 |
| Return on Equity (ROE) | -7.1160% | 4,917 |
| Retained earnings to average equity (ytd only) | -7.1160% | 4,751 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2844% | 36 |
| Assets per employee ($millions) | 3.4442% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1808% | 434 |
| Loan loss allowance to noncurrent loans | 47.3282% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.5214% | 415 |
| Noncurrent loans to loans | 4.6078% | 97 |
| Net loans and leases to total assets | 32.2978% | 4,622 |
| Net loans and leases to deposits | 37.7956% | 4,630 |
| Net loans and leases to core deposits | 42.0249% | 4,567 |
| Total domestic deposits to total assets | 85.4538% | 2,944 |
| Equity capital to assets | 14.4881% | 573 |
| Core capital (leverage) ratio | 14.0999% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4405% | 382 |
| Memoranda: | ||
| Average total assets | $17,436,500 | 4,953 |
| Average earning assets | $14,118,000 | 4,949 |
| Average equity | $2,529,500 | 4,916 |
| Average total loans | $6,345,000 | 4,914 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 3,300 |
| Cost of funding earning assets | 0.9328% | 759 |
| Net interest margin | 2.8675% | 4,169 |
| Noninterest income to average assets | 1.2977% | 682 |
| Noninterest expense to average assets | 3.7651% | 482 |
| Loan and lease loss provision to assets | 0.2228% | 1,758 |
| Net operating income to assets | -0.3787% | 4,857 |
| Return on assets (ROA) | -0.3787% | 4,872 |
| Pretax return on assets | -0.3787% | 4,858 |
| Return on Equity (ROE) | -2.6140% | 4,859 |
| Retained earnings to average equity (ytd only) | -2.6140% | 4,744 |
| Net charge-offs to loans | 0.5625% | 266 |
| Credit loss provision to net charge-offs | 97.5610% | 2,870 |
| Earnings coverage of net charge-offs (x) | -0.6829% | 3,346 |
| Efficiency ratio | 104.3210% | 141 |
| Assets per employee ($millions) | 4.4130% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,633 |
| Loan loss allowance to noncurrent loans | 67.1756% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 1,387 |
| Noncurrent loans to loans | 1.8704% | 648 |
| Net loans and leases to total assets | 39.1797% | 4,474 |
| Net loans and leases to deposits | 45.8590% | 4,470 |
| Net loans and leases to core deposits | 57.0863% | 4,093 |
| Total domestic deposits to total assets | 85.4351% | 2,601 |
| Equity capital to assets | 14.5253% | 674 |
| Core capital (leverage) ratio | 14.6313% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4693% | 304 |
| Memoranda: | ||
| Average total assets | $17,954,200 | 4,966 |
| Average earning assets | $14,472,600 | 4,969 |
| Average equity | $2,601,400 | 4,931 |
| Average total loans | $7,289,200 | 4,926 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 3,326 |
| Cost of funding earning assets | 0.9903% | 789 |
| Net interest margin | 2.8885% | 4,199 |
| Noninterest income to average assets | 1.5825% | 474 |
| Noninterest expense to average assets | 3.9489% | 395 |
| Loan and lease loss provision to assets | 0.2940% | 1,377 |
| Net operating income to assets | -0.3328% | 4,866 |
| Return on assets (ROA) | -0.3328% | 4,873 |
| Pretax return on assets | -0.3328% | 4,866 |
| Return on Equity (ROE) | -2.2981% | 4,864 |
| Retained earnings to average equity (ytd only) | -2.2981% | 4,723 |
| Net charge-offs to loans | 0.7427% | 188 |
| Credit loss provision to net charge-offs | 97.5610% | 2,652 |
| Earnings coverage of net charge-offs (x) | -0.1220% | 3,145 |
| Efficiency ratio | 100.9452% | 165 |
| Assets per employee ($millions) | 3.4402% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,192 |
| Loan loss allowance to noncurrent loans | 67.1756% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 1,518 |
| Noncurrent loans to loans | 1.9211% | 655 |
| Net loans and leases to total assets | 39.1314% | 4,589 |
| Net loans and leases to deposits | 46.1027% | 4,602 |
| Net loans and leases to core deposits | 58.6120% | 4,273 |
| Total domestic deposits to total assets | 84.8788% | 2,489 |
| Equity capital to assets | 15.0282% | 629 |
| Core capital (leverage) ratio | 14.6896% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6995% | 230 |
| Memoranda: | ||
| Average total assets | $18,029,750 | 4,997 |
| Average earning assets | $14,540,250 | 4,999 |
| Average equity | $2,610,750 | 4,959 |
| Average total loans | $7,360,500 | 4,958 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 3,401 |
| Cost of funding earning assets | 1.0839% | 744 |
| Net interest margin | 2.8859% | 4,332 |
| Noninterest income to average assets | 1.7153% | 362 |
| Noninterest expense to average assets | 3.7256% | 551 |
| Loan and lease loss provision to assets | 0.4370% | 885 |
| Net operating income to assets | -0.1202% | 4,836 |
| Return on assets (ROA) | -0.1202% | 4,840 |
| Pretax return on assets | -0.1202% | 4,827 |
| Return on Equity (ROE) | -0.8399% | 4,837 |
| Retained earnings to average equity (ytd only) | -0.8399% | 4,451 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1622% | 339 |
| Assets per employee ($millions) | 3.5624% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 621 |
| Loan loss allowance to noncurrent loans | 68.6170% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 1,105 |
| Noncurrent loans to loans | 2.6584% | 417 |
| Net loans and leases to total assets | 38.9793% | 4,643 |
| Net loans and leases to deposits | 47.4897% | 4,609 |
| Net loans and leases to core deposits | 55.5529% | 4,445 |
| Total domestic deposits to total assets | 82.0795% | 3,349 |
| Equity capital to assets | 14.6643% | 687 |
| Core capital (leverage) ratio | 14.1659% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3122% | 227 |
| Memoranda: | ||
| Average total assets | $18,306,000 | 5,025 |
| Average earning assets | $14,761,333 | 5,029 |
| Average equity | $2,619,333 | 4,991 |
| Average total loans | $7,541,000 | 4,989 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,624 |
| Cost of funding earning assets | 1.2104% | 748 |
| Net interest margin | 2.8512% | 4,501 |
| Noninterest income to average assets | 3.6867% | 121 |
| Noninterest expense to average assets | 3.2771% | 1,266 |
| Loan and lease loss provision to assets | 0.4312% | 700 |
| Net operating income to assets | 2.2638% | 161 |
| Return on assets (ROA) | 2.2638% | 179 |
| Pretax return on assets | 2.2638% | 256 |
| Return on Equity (ROE) | 16.0122% | 422 |
| Retained earnings to average equity (ytd only) | 16.0122% | 145 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8736% | 4,319 |
| Assets per employee ($millions) | 3.5508% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,235 |
| Loan loss allowance to noncurrent loans | 57.9787% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 1,233 |
| Noncurrent loans to loans | 2.6453% | 436 |
| Net loans and leases to total assets | 39.4165% | 4,686 |
| Net loans and leases to deposits | 48.2754% | 4,648 |
| Net loans and leases to core deposits | 64.9045% | 4,134 |
| Total domestic deposits to total assets | 81.6492% | 3,511 |
| Equity capital to assets | 15.1008% | 741 |
| Core capital (leverage) ratio | 14.8023% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9028% | 332 |
| Memoranda: | ||
| Average total assets | $18,553,000 | 5,072 |
| Average earning assets | $14,871,000 | 5,079 |
| Average equity | $2,623,000 | 5,039 |
| Average total loans | $7,775,500 | 5,030 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 3,695 |
| Cost of funding earning assets | 1.3662% | 622 |
| Net interest margin | 2.8793% | 4,677 |
| Noninterest income to average assets | 1.4853% | 416 |
| Noninterest expense to average assets | 2.9654% | 2,112 |
| Loan and lease loss provision to assets | 0.9533% | 101 |
| Net operating income to assets | -0.0579% | 4,990 |
| Return on assets (ROA) | -0.0579% | 5,003 |
| Pretax return on assets | -0.0579% | 4,994 |
| Return on Equity (ROE) | -0.4571% | 5,006 |
| Retained earnings to average equity (ytd only) | -0.4571% | 4,766 |
| Net charge-offs to loans | 1.7213% | 79 |
| Credit loss provision to net charge-offs | 132.1168% | 1,926 |
| Earnings coverage of net charge-offs (x) | 1.2409% | 3,562 |
| Efficiency ratio | 76.8076% | 1,287 |
| Assets per employee ($millions) | 3.8704% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,198 |
| Loan loss allowance to noncurrent loans | 47.3404% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 1,291 |
| Noncurrent loans to loans | 2.2264% | 552 |
| Net loans and leases to total assets | 43.1738% | 4,635 |
| Net loans and leases to deposits | 51.5550% | 4,623 |
| Net loans and leases to core deposits | 70.8111% | 3,920 |
| Total domestic deposits to total assets | 83.7433% | 2,934 |
| Equity capital to assets | 13.2544% | 1,388 |
| Core capital (leverage) ratio | 13.9296% | 946 |
| Tier 1 risk-based capital ratio | 25.6680% | 703 |
| Total risk-based capital ratio | 26.5586% | 712 |
| Memoranda: | ||
| Average total assets | $18,985,800 | 5,124 |
| Average earning assets | $15,663,400 | 5,130 |
| Average equity | $2,406,600 | 5,112 |
| Average total loans | $7,959,200 | 5,090 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 3,778 |
| Cost of funding earning assets | 1.3721% | 637 |
| Net interest margin | 2.8891% | 4,770 |
| Noninterest income to average assets | 0.4093% | 3,262 |
| Noninterest expense to average assets | 3.5072% | 940 |
| Loan and lease loss provision to assets | 1.2773% | 66 |
| Net operating income to assets | -1.9829% | 5,208 |
| Return on assets (ROA) | -1.9829% | 5,208 |
| Pretax return on assets | -1.9829% | 5,207 |
| Return on Equity (ROE) | -15.8285% | 5,221 |
| Retained earnings to average equity (ytd only) | -15.8285% | 5,187 |
| Net charge-offs to loans | 2.3304% | 46 |
| Credit loss provision to net charge-offs | 132.1168% | 1,803 |
| Earnings coverage of net charge-offs (x) | -0.7299% | 3,391 |
| Efficiency ratio | 125.1889% | 70 |
| Assets per employee ($millions) | 3.8994% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,253 |
| Loan loss allowance to noncurrent loans | 247.2222% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 957 |
| Noncurrent loans to loans | 0.5043% | 2,784 |
| Net loans and leases to total assets | 36.1543% | 4,935 |
| Net loans and leases to deposits | 42.4664% | 4,949 |
| Net loans and leases to core deposits | 61.4935% | 4,480 |
| Total domestic deposits to total assets | 85.1362% | 2,375 |
| Equity capital to assets | 11.7762% | 2,432 |
| Core capital (leverage) ratio | 12.1565% | 1,756 |
| Tier 1 risk-based capital ratio | 24.7414% | 781 |
| Total risk-based capital ratio | 25.7004% | 793 |
| Memoranda: | ||
| Average total assets | $18,894,250 | 5,204 |
| Average earning assets | $15,644,500 | 5,210 |
| Average equity | $2,367,000 | 5,191 |
| Average total loans | $7,838,000 | 5,170 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 3,520 |
| Cost of funding earning assets | 1.3387% | 663 |
| Net interest margin | 2.9992% | 4,691 |
| Noninterest income to average assets | 0.4494% | 2,961 |
| Noninterest expense to average assets | 3.7874% | 672 |
| Loan and lease loss provision to assets | 1.9365% | 41 |
| Net operating income to assets | -2.7817% | 5,271 |
| Return on assets (ROA) | -2.7817% | 5,272 |
| Pretax return on assets | -2.7817% | 5,269 |
| Return on Equity (ROE) | -21.7512% | 5,282 |
| Retained earnings to average equity (ytd only) | -21.7512% | 5,255 |
| Net charge-offs to loans | 3.3947% | 30 |
| Credit loss provision to net charge-offs | 132.1168% | 1,647 |
| Earnings coverage of net charge-offs (x) | -0.5766% | 3,116 |
| Efficiency ratio | 128.7273% | 60 |
| Assets per employee ($millions) | 3.6630% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,744 |
| Loan loss allowance to noncurrent loans | 317.8571% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 3,998 |
| Noncurrent loans to loans | 0.3648% | 3,217 |
| Net loans and leases to total assets | 41.4196% | 4,803 |
| Net loans and leases to deposits | 47.4451% | 4,863 |
| Net loans and leases to core deposits | 68.7948% | 4,171 |
| Total domestic deposits to total assets | 87.3000% | 1,442 |
| Equity capital to assets | 12.5253% | 1,842 |
| Core capital (leverage) ratio | 12.6056% | 1,485 |
| Tier 1 risk-based capital ratio | 23.2184% | 927 |
| Total risk-based capital ratio | 24.1181% | 934 |
| Memoranda: | ||
| Average total assets | $18,693,330 | 5,252 |
| Average earning assets | $15,537,330 | 5,257 |
| Average equity | $2,390,670 | 5,227 |
| Average total loans | $8,071,330 | 5,217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,744 |
| Cost of funding earning assets | 1.3126% | 640 |
| Net interest margin | 2.9280% | 4,852 |
| Noninterest income to average assets | 0.4237% | 3,022 |
| Noninterest expense to average assets | 4.2367% | 381 |
| Loan and lease loss provision to assets | 0.6355% | 159 |
| Net operating income to assets | -1.9913% | 5,318 |
| Return on assets (ROA) | -1.9913% | 5,318 |
| Pretax return on assets | -1.9913% | 5,309 |
| Return on Equity (ROE) | -15.4162% | 5,322 |
| Retained earnings to average equity (ytd only) | -15.4162% | 5,211 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.0588% | 39 |
| Assets per employee ($millions) | 3.6846% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,913 |
| Loan loss allowance to noncurrent loans | 19.6286% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0464% | 464 |
| Noncurrent loans to loans | 4.9057% | 119 |
| Net loans and leases to total assets | 41.3125% | 4,853 |
| Net loans and leases to deposits | 47.6104% | 4,883 |
| Net loans and leases to core deposits | 65.5048% | 4,300 |
| Total domestic deposits to total assets | 86.7720% | 1,922 |
| Equity capital to assets | 13.0869% | 1,402 |
| Core capital (leverage) ratio | 13.6869% | 1,031 |
| Tier 1 risk-based capital ratio | 25.2022% | 747 |
| Total risk-based capital ratio | 25.9597% | 775 |
| Memoranda: | ||
| Average total assets | $18,882,500 | 5,307 |
| Average earning assets | $15,847,000 | 5,311 |
| Average equity | $2,439,000 | 5,279 |
| Average total loans | $8,269,500 | 5,274 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 4,025 |
| Cost of funding earning assets | 0.7490% | 1,797 |
| Net interest margin | 3.2524% | 4,375 |
| Noninterest income to average assets | 0.4342% | 3,209 |
| Noninterest expense to average assets | 3.2590% | 1,418 |
| Loan and lease loss provision to assets | 0.1924% | 992 |
| Net operating income to assets | -0.2968% | 5,291 |
| Return on assets (ROA) | -0.2968% | 5,288 |
| Pretax return on assets | -0.2968% | 5,282 |
| Return on Equity (ROE) | -2.1442% | 5,273 |
| Retained earnings to average equity (ytd only) | -2.2236% | 5,137 |
| Net charge-offs to loans | 1.1638% | 114 |
| Credit loss provision to net charge-offs | 36.4583% | 3,307 |
| Earnings coverage of net charge-offs (x) | -0.1979% | 3,721 |
| Efficiency ratio | 103.3101% | 118 |
| Assets per employee ($millions) | 3.8684% | 4,076 |
| Cash dividends to net income (ytd only)* | -3.7037% | 5,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4970% | 5,126 |
| Loan loss allowance to noncurrent loans | 11.8280% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 513 |
| Noncurrent loans to loans | 4.2015% | 170 |
| Net loans and leases to total assets | 45.5485% | 4,758 |
| Net loans and leases to deposits | 52.2818% | 4,816 |
| Net loans and leases to core deposits | 68.0835% | 4,231 |
| Total domestic deposits to total assets | 87.1213% | 1,722 |
| Equity capital to assets | 12.7546% | 1,460 |
| Core capital (leverage) ratio | 14.1036% | 899 |
| Tier 1 risk-based capital ratio | 24.5958% | 775 |
| Total risk-based capital ratio | 25.0192% | 826 |
| Memoranda: | ||
| Average total assets | $18,195,600 | 5,357 |
| Average earning assets | $15,219,600 | 5,359 |
| Average equity | $2,518,400 | 5,319 |
| Average total loans | $8,248,600 | 5,319 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 4,254 |
| Cost of funding earning assets | 0.6601% | 2,090 |
| Net interest margin | 3.2203% | 4,476 |
| Noninterest income to average assets | 0.4467% | 3,188 |
| Noninterest expense to average assets | 3.3874% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.2531% | 5,354 |
| Return on assets (ROA) | -0.2531% | 5,353 |
| Pretax return on assets | -0.2531% | 5,349 |
| Return on Equity (ROE) | -1.7908% | 5,347 |
| Retained earnings to average equity (ytd only) | -1.8963% | 5,191 |
| Net charge-offs to loans | 1.5808% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -0.3541% | 3,427 |
| Efficiency ratio | 108.0760% | 91 |
| Assets per employee ($millions) | 3.5750% | 4,462 |
| Cash dividends to net income (ytd only)* | -5.8901% | 5,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1270% | 5,410 |
| Loan loss allowance to noncurrent loans | 1.6474% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 3.3958% | 179 |
| Noncurrent loans to loans | 7.7070% | 49 |
| Net loans and leases to total assets | 44.0056% | 4,880 |
| Net loans and leases to deposits | 52.0238% | 4,886 |
| Net loans and leases to core deposits | 63.9824% | 4,514 |
| Total domestic deposits to total assets | 84.5874% | 2,765 |
| Equity capital to assets | 13.8294% | 1,014 |
| Core capital (leverage) ratio | 14.8268% | 747 |
| Tier 1 risk-based capital ratio | 28.0488% | 568 |
| Total risk-based capital ratio | 28.1577% | 621 |
| Memoranda: | ||
| Average total assets | $17,909,000 | 5,428 |
| Average earning assets | $14,946,250 | 5,430 |
| Average equity | $2,531,250 | 5,387 |
| Average total loans | $8,097,250 | 5,391 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 4,240 |
| Cost of funding earning assets | 0.6045% | 2,200 |
| Net interest margin | 3.2374% | 4,421 |
| Noninterest income to average assets | 0.4464% | 3,178 |
| Noninterest expense to average assets | 3.4151% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2790% | 5,408 |
| Return on assets (ROA) | -0.2790% | 5,401 |
| Pretax return on assets | -0.2790% | 5,402 |
| Return on Equity (ROE) | -1.9600% | 5,395 |
| Retained earnings to average equity (ytd only) | -2.1168% | 5,157 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8968% | 103 |
| Assets per employee ($millions) | 3.4358% | 4,677 |
| Cash dividends to net income (ytd only)* | -8.0000% | 5,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,963 |
| Loan loss allowance to noncurrent loans | 18.0579% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 3.4170% | 191 |
| Noncurrent loans to loans | 7.4559% | 50 |
| Net loans and leases to total assets | 45.2122% | 4,862 |
| Net loans and leases to deposits | 54.2237% | 4,837 |
| Net loans and leases to core deposits | 63.4870% | 4,522 |
| Total domestic deposits to total assets | 83.3809% | 3,294 |
| Equity capital to assets | 14.4770% | 812 |
| Core capital (leverage) ratio | 14.9948% | 670 |
| Tier 1 risk-based capital ratio | 27.8071% | 567 |
| Total risk-based capital ratio | 28.9482% | 567 |
| Memoranda: | ||
| Average total assets | $17,920,330 | 5,493 |
| Average earning assets | $14,888,670 | 5,495 |
| Average equity | $2,551,000 | 5,449 |
| Average total loans | $8,171,000 | 5,450 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,954 |
| Cost of funding earning assets | 0.5559% | 2,348 |
| Net interest margin | 3.3352% | 4,092 |
| Noninterest income to average assets | 0.4592% | 3,059 |
| Noninterest expense to average assets | 3.3022% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0875% | 5,414 |
| Return on assets (ROA) | -0.0875% | 5,408 |
| Pretax return on assets | -0.0875% | 5,412 |
| Return on Equity (ROE) | -0.6194% | 5,405 |
| Retained earnings to average equity (ytd only) | -0.6194% | 4,872 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7211% | 150 |
| Assets per employee ($millions) | 3.4992% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,486 |
| Loan loss allowance to noncurrent loans | 11.8151% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 3.3379% | 216 |
| Noncurrent loans to loans | 7.5335% | 57 |
| Net loans and leases to total assets | 43.9129% | 4,902 |
| Net loans and leases to deposits | 51.5257% | 4,900 |
| Net loans and leases to core deposits | 59.4613% | 4,683 |
| Total domestic deposits to total assets | 85.2252% | 2,849 |
| Equity capital to assets | 14.6262% | 749 |
| Core capital (leverage) ratio | 15.2492% | 604 |
| Tier 1 risk-based capital ratio | 28.8003% | 522 |
| Total risk-based capital ratio | 28.8003% | 576 |
| Memoranda: | ||
| Average total assets | $18,291,000 | 5,553 |
| Average earning assets | $15,111,500 | 5,557 |
| Average equity | $2,583,000 | 5,503 |
| Average total loans | $8,320,000 | 5,506 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 4,035 |
| Cost of funding earning assets | 0.4287% | 2,967 |
| Net interest margin | 3.3779% | 3,918 |
| Noninterest income to average assets | 0.4106% | 3,564 |
| Noninterest expense to average assets | 2.9878% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2323% | 5,043 |
| Return on assets (ROA) | 0.2323% | 5,060 |
| Pretax return on assets | 0.2323% | 5,279 |
| Return on Equity (ROE) | 1.6577% | 5,121 |
| Retained earnings to average equity (ytd only) | 1.5806% | 4,363 |
| Net charge-offs to loans | 0.0472% | 2,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,636 |
| Efficiency ratio | 92.7852% | 328 |
| Assets per employee ($millions) | 3.8172% | 4,259 |
| Cash dividends to net income (ytd only)* | 4.6512% | 4,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,893 |
| Loan loss allowance to noncurrent loans | 19.7708% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 666 |
| Noncurrent loans to loans | 3.9266% | 245 |
| Net loans and leases to total assets | 46.2066% | 4,881 |
| Net loans and leases to deposits | 54.4988% | 4,868 |
| Net loans and leases to core deposits | 63.2549% | 4,585 |
| Total domestic deposits to total assets | 84.7847% | 2,917 |
| Equity capital to assets | 13.6592% | 1,002 |
| Core capital (leverage) ratio | 14.6757% | 689 |
| Tier 1 risk-based capital ratio | 25.0504% | 721 |
| Total risk-based capital ratio | 25.7135% | 753 |
| Memoranda: | ||
| Average total assets | $18,508,400 | 5,615 |
| Average earning assets | $15,394,200 | 5,619 |
| Average equity | $2,594,000 | 5,564 |
| Average total loans | $8,474,000 | 5,565 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,039 |
| Cost of funding earning assets | 0.3991% | 3,203 |
| Net interest margin | 3.3922% | 3,872 |
| Noninterest income to average assets | 0.4211% | 3,549 |
| Noninterest expense to average assets | 3.0639% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1960% | 5,360 |
| Return on assets (ROA) | 0.1960% | 5,372 |
| Pretax return on assets | 0.1960% | 5,395 |
| Return on Equity (ROE) | 1.3896% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.2865% | 4,890 |
| Net charge-offs to loans | 0.0637% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.7542% | 2,947 |
| Efficiency ratio | 93.9866% | 287 |
| Assets per employee ($millions) | 3.5674% | 4,627 |
| Cash dividends to net income (ytd only)* | 7.4167% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,634 |
| Loan loss allowance to noncurrent loans | 19.7708% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9566% | 675 |
| Noncurrent loans to loans | 4.4715% | 198 |
| Net loans and leases to total assets | 43.3705% | 5,059 |
| Net loans and leases to deposits | 50.9551% | 5,091 |
| Net loans and leases to core deposits | 60.9470% | 4,771 |
| Total domestic deposits to total assets | 85.1152% | 2,672 |
| Equity capital to assets | 14.6381% | 823 |
| Core capital (leverage) ratio | 14.6160% | 741 |
| Tier 1 risk-based capital ratio | 28.3097% | 547 |
| Total risk-based capital ratio | 29.0578% | 563 |
| Memoranda: | ||
| Average total assets | $18,364,000 | 5,680 |
| Average earning assets | $15,368,000 | 5,684 |
| Average equity | $2,590,750 | 5,624 |
| Average total loans | $8,370,500 | 5,632 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 3,976 |
| Cost of funding earning assets | 0.3750% | 3,339 |
| Net interest margin | 3.4010% | 3,764 |
| Noninterest income to average assets | 0.4207% | 3,558 |
| Noninterest expense to average assets | 3.0421% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2158% | 5,374 |
| Return on assets (ROA) | 0.2158% | 5,386 |
| Pretax return on assets | 0.2158% | 5,419 |
| Return on Equity (ROE) | 1.5480% | 5,404 |
| Retained earnings to average equity (ytd only) | 1.3932% | 4,697 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3775% | 322 |
| Assets per employee ($millions) | 3.5406% | 4,660 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,719 |
| Loan loss allowance to noncurrent loans | 19.7832% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.0844% | 595 |
| Noncurrent loans to loans | 4.4436% | 186 |
| Net loans and leases to total assets | 46.4949% | 4,921 |
| Net loans and leases to deposits | 55.9665% | 4,856 |
| Net loans and leases to core deposits | 63.4961% | 4,641 |
| Total domestic deposits to total assets | 83.0763% | 3,541 |
| Equity capital to assets | 14.7094% | 765 |
| Core capital (leverage) ratio | 14.4683% | 748 |
| Tier 1 risk-based capital ratio | 26.3509% | 652 |
| Total risk-based capital ratio | 27.0897% | 668 |
| Memoranda: | ||
| Average total assets | $18,539,670 | 5,727 |
| Average earning assets | $15,466,000 | 5,731 |
| Average equity | $2,584,000 | 5,671 |
| Average total loans | $8,559,000 | 5,674 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 4,304 |
| Cost of funding earning assets | 0.3793% | 3,210 |
| Net interest margin | 3.2618% | 4,130 |
| Noninterest income to average assets | 0.4220% | 3,509 |
| Noninterest expense to average assets | 2.8273% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3165% | 5,150 |
| Return on assets (ROA) | 0.3165% | 5,178 |
| Pretax return on assets | 0.3165% | 5,287 |
| Return on Equity (ROE) | 2.3310% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.0202% | 4,331 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9329% | 561 |
| Assets per employee ($millions) | 3.7304% | 4,447 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,869 |
| Loan loss allowance to noncurrent loans | 13.1295% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 2.9809% | 345 |
| Noncurrent loans to loans | 6.6206% | 87 |
| Net loans and leases to total assets | 44.6333% | 5,006 |
| Net loans and leases to deposits | 51.8659% | 5,039 |
| Net loans and leases to core deposits | 57.5846% | 4,897 |
| Total domestic deposits to total assets | 86.0551% | 2,640 |
| Equity capital to assets | 13.8323% | 957 |
| Core capital (leverage) ratio | 13.8145% | 888 |
| Tier 1 risk-based capital ratio | 25.8129% | 701 |
| Total risk-based capital ratio | 26.5433% | 731 |
| Memoranda: | ||
| Average total assets | $18,958,000 | 5,792 |
| Average earning assets | $15,819,500 | 5,799 |
| Average equity | $2,574,000 | 5,736 |
| Average total loans | $8,686,500 | 5,739 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,442 |
| Cost of funding earning assets | 0.4558% | 2,488 |
| Net interest margin | 3.1723% | 4,531 |
| Noninterest income to average assets | 0.3933% | 3,942 |
| Noninterest expense to average assets | 2.9292% | 2,562 |
| Loan and lease loss provision to assets | 0.3209% | 569 |
| Net operating income to assets | -0.1553% | 5,702 |
| Return on assets (ROA) | -0.0673% | 5,684 |
| Pretax return on assets | -0.0673% | 5,679 |
| Return on Equity (ROE) | -0.4939% | 5,682 |
| Retained earnings to average equity (ytd only) | -1.7097% | 5,508 |
| Net charge-offs to loans | 0.9658% | 194 |
| Credit loss provision to net charge-offs | 72.0930% | 3,095 |
| Earnings coverage of net charge-offs (x) | 0.3721% | 4,107 |
| Efficiency ratio | 94.6488% | 355 |
| Assets per employee ($millions) | 3.8528% | 4,219 |
| Cash dividends to net income (ytd only)* | -246.1538% | 5,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 5,072 |
| Loan loss allowance to noncurrent loans | 14.4554% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.6215% | 439 |
| Noncurrent loans to loans | 5.6267% | 121 |
| Net loans and leases to total assets | 46.2105% | 5,005 |
| Net loans and leases to deposits | 54.7546% | 4,977 |
| Net loans and leases to core deposits | 63.6995% | 4,653 |
| Total domestic deposits to total assets | 84.3958% | 3,273 |
| Equity capital to assets | 13.3306% | 1,122 |
| Core capital (leverage) ratio | 13.9580% | 826 |
| Tier 1 risk-based capital ratio | 24.6567% | 799 |
| Total risk-based capital ratio | 25.3577% | 833 |
| Memoranda: | ||
| Average total assets | $19,322,600 | 5,847 |
| Average earning assets | $16,455,000 | 5,845 |
| Average equity | $2,632,000 | 5,790 |
| Average total loans | $8,904,600 | 5,787 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,369 |
| Cost of funding earning assets | 0.4667% | 2,402 |
| Net interest margin | 3.1944% | 4,504 |
| Noninterest income to average assets | 0.3930% | 3,970 |
| Noninterest expense to average assets | 3.0131% | 2,282 |
| Loan and lease loss provision to assets | 0.3448% | 464 |
| Net operating income to assets | -0.2275% | 5,803 |
| Return on assets (ROA) | -0.1103% | 5,778 |
| Pretax return on assets | -0.1103% | 5,775 |
| Return on Equity (ROE) | -0.8055% | 5,772 |
| Retained earnings to average equity (ytd only) | -2.4169% | 5,623 |
| Net charge-offs to loans | 1.2902% | 119 |
| Credit loss provision to net charge-offs | 58.1395% | 2,931 |
| Earnings coverage of net charge-offs (x) | 0.1977% | 3,814 |
| Efficiency ratio | 96.2555% | 306 |
| Assets per employee ($millions) | 3.7650% | 4,367 |
| Cash dividends to net income (ytd only)* | -200.0469% | 5,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 5,308 |
| Loan loss allowance to noncurrent loans | 12.0553% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.6879% | 479 |
| Noncurrent loans to loans | 6.2694% | 105 |
| Net loans and leases to total assets | 42.5498% | 5,269 |
| Net loans and leases to deposits | 49.6160% | 5,316 |
| Net loans and leases to core deposits | 58.8495% | 5,006 |
| Total domestic deposits to total assets | 85.7583% | 2,476 |
| Equity capital to assets | 13.9708% | 1,044 |
| Core capital (leverage) ratio | 13.7816% | 918 |
| Tier 1 risk-based capital ratio | 30.0913% | 476 |
| Total risk-based capital ratio | 31.0847% | 480 |
| Memoranda: | ||
| Average total assets | $19,337,250 | 5,910 |
| Average earning assets | $16,570,000 | 5,908 |
| Average equity | $2,648,000 | 5,851 |
| Average total loans | $8,887,000 | 5,855 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,174 |
| Cost of funding earning assets | 0.4772% | 2,296 |
| Net interest margin | 3.2567% | 4,359 |
| Noninterest income to average assets | 0.3998% | 3,869 |
| Noninterest expense to average assets | 3.0654% | 2,156 |
| Loan and lease loss provision to assets | 0.2563% | 744 |
| Net operating income to assets | -0.1230% | 5,821 |
| Return on assets (ROA) | -0.0410% | 5,811 |
| Pretax return on assets | -0.0410% | 5,807 |
| Return on Equity (ROE) | -0.3014% | 5,809 |
| Retained earnings to average equity (ytd only) | -2.7129% | 5,600 |
| Net charge-offs to loans | 1.8779% | 75 |
| Credit loss provision to net charge-offs | 29.0698% | 2,866 |
| Earnings coverage of net charge-offs (x) | 0.1512% | 3,548 |
| Efficiency ratio | 95.8333% | 353 |
| Assets per employee ($millions) | 3.8998% | 4,095 |
| Cash dividends to net income (ytd only)* | -800.0000% | 6,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4334% | 5,859 |
| Loan loss allowance to noncurrent loans | 7.1006% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.6001% | 514 |
| Noncurrent loans to loans | 6.1033% | 116 |
| Net loans and leases to total assets | 42.4176% | 5,318 |
| Net loans and leases to deposits | 49.2585% | 5,371 |
| Net loans and leases to core deposits | 59.0448% | 5,022 |
| Total domestic deposits to total assets | 86.1121% | 2,364 |
| Equity capital to assets | 13.6110% | 1,177 |
| Core capital (leverage) ratio | 13.6851% | 913 |
| Tier 1 risk-based capital ratio | 25.7427% | 739 |
| Total risk-based capital ratio | 26.4608% | 780 |
| Memoranda: | ||
| Average total assets | $19,508,000 | 5,984 |
| Average earning assets | $16,765,330 | 5,981 |
| Average equity | $2,654,000 | 5,924 |
| Average total loans | $9,159,000 | 5,921 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 4,324 |
| Cost of funding earning assets | 0.4507% | 2,574 |
| Net interest margin | 3.2496% | 4,400 |
| Noninterest income to average assets | 0.4100% | 3,751 |
| Noninterest expense to average assets | 3.0955% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1230% | 5,648 |
| Return on assets (ROA) | 0.1230% | 5,700 |
| Pretax return on assets | 0.1230% | 5,716 |
| Return on Equity (ROE) | 0.9043% | 5,709 |
| Retained earnings to average equity (ytd only) | -3.9186% | 5,547 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1783% | 392 |
| Assets per employee ($millions) | 3.8846% | 4,151 |
| Cash dividends to net income (ytd only)* | 533.3333% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 4,499 |
| Loan loss allowance to noncurrent loans | 16.0066% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.1200% | 393 |
| Noncurrent loans to loans | 6.3635% | 127 |
| Net loans and leases to total assets | 48.5301% | 4,927 |
| Net loans and leases to deposits | 56.3925% | 4,957 |
| Net loans and leases to core deposits | 67.7739% | 4,422 |
| Total domestic deposits to total assets | 86.0578% | 2,650 |
| Equity capital to assets | 13.6694% | 1,108 |
| Core capital (leverage) ratio | 13.9766% | 815 |
| Tier 1 risk-based capital ratio | 59.3429% | 90 |
| Total risk-based capital ratio | 61.2427% | 88 |
| Memoranda: | ||
| Average total assets | $19,512,500 | 6,043 |
| Average earning assets | $16,863,500 | 6,041 |
| Average equity | $2,654,000 | 5,977 |
| Average total loans | $9,585,000 | 5,969 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5274% | 4,849 |
| Cost of funding earning assets | 0.5031% | 2,129 |
| Net interest margin | 3.0243% | 5,079 |
| Noninterest income to average assets | 0.3992% | 4,043 |
| Noninterest expense to average assets | 2.9493% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0599% | 5,803 |
| Return on assets (ROA) | 0.4791% | 4,857 |
| Pretax return on assets | 0.4791% | 5,157 |
| Return on Equity (ROE) | 3.5289% | 5,134 |
| Retained earnings to average equity (ytd only) | -1.8012% | 5,738 |
| Net charge-offs to loans | 0.0223% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,294 |
| Efficiency ratio | 98.0100% | 339 |
| Assets per employee ($millions) | 3.9204% | 4,081 |
| Cash dividends to net income (ytd only)* | 151.0417% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 4,573 |
| Loan loss allowance to noncurrent loans | 12.9679% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 3.8159% | 279 |
| Noncurrent loans to loans | 7.7537% | 78 |
| Net loans and leases to total assets | 48.7195% | 4,964 |
| Net loans and leases to deposits | 57.9948% | 4,910 |
| Net loans and leases to core deposits | 72.6954% | 4,071 |
| Total domestic deposits to total assets | 84.0067% | 3,476 |
| Equity capital to assets | 13.5343% | 1,116 |
| Core capital (leverage) ratio | 14.0627% | 800 |
| Tier 1 risk-based capital ratio | 59.2683% | 89 |
| Total risk-based capital ratio | 60.4506% | 87 |
| Memoranda: | ||
| Average total assets | $20,038,800 | 6,095 |
| Average earning assets | $17,293,400 | 6,095 |
| Average equity | $2,720,400 | 6,027 |
| Average total loans | $8,987,400 | 6,033 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 4,888 |
| Cost of funding earning assets | 0.5145% | 2,085 |
| Net interest margin | 3.0254% | 5,137 |
| Noninterest income to average assets | 0.3772% | 4,235 |
| Noninterest expense to average assets | 2.9117% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0728% | 5,876 |
| Return on assets (ROA) | 0.6286% | 4,355 |
| Pretax return on assets | 0.6286% | 4,901 |
| Return on Equity (ROE) | 4.6273% | 4,785 |
| Retained earnings to average equity (ytd only) | -0.8768% | 5,746 |
| Net charge-offs to loans | 0.0303% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.4944% | 3,194 |
| Efficiency ratio | 97.5610% | 370 |
| Assets per employee ($millions) | 3.8718% | 4,133 |
| Cash dividends to net income (ytd only)* | 118.9484% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,796 |
| Loan loss allowance to noncurrent loans | 15.7980% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.1717% | 450 |
| Noncurrent loans to loans | 7.4307% | 83 |
| Net loans and leases to total assets | 42.1819% | 5,481 |
| Net loans and leases to deposits | 49.2313% | 5,502 |
| Net loans and leases to core deposits | 58.7229% | 5,145 |
| Total domestic deposits to total assets | 85.6811% | 2,699 |
| Equity capital to assets | 13.8798% | 1,073 |
| Core capital (leverage) ratio | 13.8968% | 893 |
| Tier 1 risk-based capital ratio | 59.6402% | 93 |
| Total risk-based capital ratio | 60.9507% | 92 |
| Memoranda: | ||
| Average total assets | $20,148,000 | 6,177 |
| Average earning assets | $17,363,500 | 6,177 |
| Average equity | $2,737,250 | 6,112 |
| Average total loans | $8,822,500 | 6,121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 4,866 |
| Cost of funding earning assets | 0.5213% | 2,059 |
| Net interest margin | 3.0259% | 5,162 |
| Noninterest income to average assets | 0.3821% | 4,220 |
| Noninterest expense to average assets | 2.9396% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0588% | 5,923 |
| Return on assets (ROA) | 0.5389% | 4,727 |
| Pretax return on assets | 0.5389% | 5,126 |
| Return on Equity (ROE) | 3.9942% | 5,022 |
| Retained earnings to average equity (ytd only) | 1.0893% | 5,138 |
| Net charge-offs to loans | 0.0444% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,258 |
| Efficiency ratio | 98.0392% | 377 |
| Assets per employee ($millions) | 3.8790% | 4,113 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,016 |
| Loan loss allowance to noncurrent loans | 15.5698% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 3.2122% | 480 |
| Noncurrent loans to loans | 7.4584% | 102 |
| Net loans and leases to total assets | 42.5677% | 5,464 |
| Net loans and leases to deposits | 49.8250% | 5,513 |
| Net loans and leases to core deposits | 60.5234% | 5,040 |
| Total domestic deposits to total assets | 85.4344% | 2,952 |
| Equity capital to assets | 14.1480% | 936 |
| Core capital (leverage) ratio | 13.7998% | 905 |
| Tier 1 risk-based capital ratio | 39.9295% | 259 |
| Total risk-based capital ratio | 41.5602% | 248 |
| Memoranda: | ||
| Average total assets | $20,411,000 | 6,248 |
| Average earning assets | $17,647,670 | 6,246 |
| Average equity | $2,754,000 | 6,177 |
| Average total loans | $9,009,000 | 6,184 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,792 |
| Cost of funding earning assets | 0.5500% | 1,846 |
| Net interest margin | 3.0138% | 5,180 |
| Noninterest income to average assets | 0.3824% | 4,139 |
| Noninterest expense to average assets | 2.9064% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0956% | 5,882 |
| Return on assets (ROA) | 0.8222% | 3,273 |
| Pretax return on assets | 0.8222% | 4,159 |
| Return on Equity (ROE) | 6.2341% | 3,915 |
| Retained earnings to average equity (ytd only) | 0.2900% | 5,278 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8153% | 468 |
| Assets per employee ($millions) | 4.0432% | 3,872 |
| Cash dividends to net income (ytd only)* | 95.3488% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 4,312 |
| Loan loss allowance to noncurrent loans | 21.9027% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2359% | 1,022 |
| Noncurrent loans to loans | 5.2110% | 244 |
| Net loans and leases to total assets | 42.4169% | 5,454 |
| Net loans and leases to deposits | 49.3753% | 5,499 |
| Net loans and leases to core deposits | 62.6187% | 4,806 |
| Total domestic deposits to total assets | 85.9072% | 2,992 |
| Equity capital to assets | 13.7169% | 1,086 |
| Core capital (leverage) ratio | 12.6481% | 1,290 |
| Tier 1 risk-based capital ratio | 92.9693% | 59 |
| Total risk-based capital ratio | 92.9693% | 60 |
| Memoranda: | ||
| Average total assets | $20,919,000 | 6,312 |
| Average earning assets | $18,183,000 | 6,306 |
| Average equity | $2,759,000 | 6,238 |
| Average total loans | $9,337,000 | 6,245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 5,064 |
| Cost of funding earning assets | 0.5103% | 2,572 |
| Net interest margin | 3.0953% | 5,219 |
| Noninterest income to average assets | 0.3655% | 4,475 |
| Noninterest expense to average assets | 2.8709% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1491% | 5,878 |
| Return on assets (ROA) | 0.4039% | 5,270 |
| Pretax return on assets | 0.4039% | 5,477 |
| Return on Equity (ROE) | 3.0753% | 5,452 |
| Retained earnings to average equity (ytd only) | -2.7825% | 6,073 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0637% | 542 |
| Assets per employee ($millions) | 4.3244% | 3,322 |
| Cash dividends to net income (ytd only)* | 190.4762% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 5,113 |
| Loan loss allowance to noncurrent loans | 22.0490% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 1,201 |
| Noncurrent loans to loans | 4.4900% | 374 |
| Net loans and leases to total assets | 45.7913% | 5,342 |
| Net loans and leases to deposits | 52.9749% | 5,411 |
| Net loans and leases to core deposits | 70.2896% | 4,302 |
| Total domestic deposits to total assets | 86.4397% | 2,603 |
| Equity capital to assets | 12.6954% | 1,542 |
| Core capital (leverage) ratio | 12.8580% | 1,192 |
| Tier 1 risk-based capital ratio | 27.0192% | 683 |
| Total risk-based capital ratio | 28.0088% | 683 |
| Memoranda: | ||
| Average total assets | $20,794,800 | 6,399 |
| Average earning assets | $17,833,400 | 6,401 |
| Average equity | $2,731,400 | 6,315 |
| Average total loans | $8,221,800 | 6,361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 5,066 |
| Cost of funding earning assets | 0.5088% | 2,677 |
| Net interest margin | 3.1214% | 5,194 |
| Noninterest income to average assets | 0.3691% | 4,473 |
| Noninterest expense to average assets | 2.8366% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1943% | 5,859 |
| Return on assets (ROA) | 0.4598% | 5,110 |
| Pretax return on assets | 0.4598% | 5,435 |
| Return on Equity (ROE) | 3.4699% | 5,376 |
| Retained earnings to average equity (ytd only) | -2.3948% | 6,102 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5897% | 616 |
| Assets per employee ($millions) | 4.1886% | 3,508 |
| Cash dividends to net income (ytd only)* | 169.0260% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 3,940 |
| Loan loss allowance to noncurrent loans | 22.0490% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 2.1439% | 1,301 |
| Noncurrent loans to loans | 5.6749% | 269 |
| Net loans and leases to total assets | 37.3060% | 5,977 |
| Net loans and leases to deposits | 43.1443% | 6,014 |
| Net loans and leases to core deposits | 53.0234% | 5,626 |
| Total domestic deposits to total assets | 86.4680% | 2,604 |
| Equity capital to assets | 13.0258% | 1,411 |
| Core capital (leverage) ratio | 13.1002% | 1,138 |
| Tier 1 risk-based capital ratio | 28.4361% | 618 |
| Total risk-based capital ratio | 29.4669% | 613 |
| Memoranda: | ||
| Average total assets | $20,588,000 | 6,476 |
| Average earning assets | $17,556,000 | 6,480 |
| Average equity | $2,728,000 | 6,388 |
| Average total loans | $7,777,250 | 6,454 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 5,090 |
| Cost of funding earning assets | 0.5060% | 2,774 |
| Net interest margin | 3.1166% | 5,204 |
| Noninterest income to average assets | 0.3811% | 4,394 |
| Noninterest expense to average assets | 2.8628% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1661% | 5,917 |
| Return on assets (ROA) | 0.5667% | 4,618 |
| Pretax return on assets | 0.5667% | 5,065 |
| Return on Equity (ROE) | 4.2522% | 5,039 |
| Retained earnings to average equity (ytd only) | -1.6129% | 5,935 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5161% | 618 |
| Assets per employee ($millions) | 4.1676% | 3,516 |
| Cash dividends to net income (ytd only)* | 137.9310% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 3,988 |
| Loan loss allowance to noncurrent loans | 22.0000% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 2.1595% | 1,426 |
| Noncurrent loans to loans | 5.8020% | 288 |
| Net loans and leases to total assets | 36.7454% | 6,019 |
| Net loans and leases to deposits | 42.5696% | 6,046 |
| Net loans and leases to core deposits | 52.3985% | 5,647 |
| Total domestic deposits to total assets | 86.3183% | 2,864 |
| Equity capital to assets | 13.1970% | 1,268 |
| Core capital (leverage) ratio | 13.3611% | 1,030 |
| Tier 1 risk-based capital ratio | 29.3092% | 557 |
| Total risk-based capital ratio | 30.3613% | 559 |
| Memoranda: | ||
| Average total assets | $20,469,670 | 6,544 |
| Average earning assets | $17,391,000 | 6,546 |
| Average equity | $2,728,000 | 6,443 |
| Average total loans | $7,732,330 | 6,517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 5,303 |
| Cost of funding earning assets | 0.4870% | 3,041 |
| Net interest margin | 3.0611% | 5,357 |
| Noninterest income to average assets | 0.3944% | 4,233 |
| Noninterest expense to average assets | 2.8395% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1577% | 5,914 |
| Return on assets (ROA) | 0.4930% | 4,802 |
| Pretax return on assets | 0.4930% | 5,193 |
| Return on Equity (ROE) | 3.6805% | 5,180 |
| Retained earnings to average equity (ytd only) | -2.2083% | 5,874 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7368% | 710 |
| Assets per employee ($millions) | 4.2052% | 3,515 |
| Cash dividends to net income (ytd only)* | 160.0000% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,333 |
| Loan loss allowance to noncurrent loans | 22.0000% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 2.1402% | 1,567 |
| Noncurrent loans to loans | 5.7194% | 339 |
| Net loans and leases to total assets | 36.9495% | 6,023 |
| Net loans and leases to deposits | 42.6915% | 6,038 |
| Net loans and leases to core deposits | 51.1994% | 5,677 |
| Total domestic deposits to total assets | 86.5500% | 3,079 |
| Equity capital to assets | 12.9744% | 1,319 |
| Core capital (leverage) ratio | 13.7430% | 912 |
| Tier 1 risk-based capital ratio | 28.1926% | 630 |
| Total risk-based capital ratio | 29.2024% | 633 |
| Memoranda: | ||
| Average total assets | $20,285,500 | 6,618 |
| Average earning assets | $17,248,500 | 6,620 |
| Average equity | $2,717,000 | 6,502 |
| Average total loans | $7,720,500 | 6,585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 5,810 |
| Cost of funding earning assets | 0.5109% | 3,488 |
| Net interest margin | 2.9055% | 5,777 |
| Noninterest income to average assets | 0.4899% | 3,819 |
| Noninterest expense to average assets | 2.7099% | 4,057 |
| Loan and lease loss provision to assets | 0.2143% | 1,706 |
| Net operating income to assets | -0.0255% | 6,239 |
| Return on assets (ROA) | 0.2297% | 5,813 |
| Pretax return on assets | 0.2297% | 5,889 |
| Return on Equity (ROE) | 1.5786% | 5,967 |
| Retained earnings to average equity (ytd only) | -4.0693% | 6,323 |
| Net charge-offs to loans | 0.6151% | 1,067 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.8810% | 4,793 |
| Efficiency ratio | 93.4859% | 774 |
| Assets per employee ($millions) | 3.9090% | 4,051 |
| Cash dividends to net income (ytd only)* | 357.7778% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 4,108 |
| Loan loss allowance to noncurrent loans | 21.6157% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 2.3433% | 1,489 |
| Noncurrent loans to loans | 6.0478% | 339 |
| Net loans and leases to total assets | 38.2400% | 6,074 |
| Net loans and leases to deposits | 45.2750% | 6,060 |
| Net loans and leases to core deposits | 56.0648% | 5,531 |
| Total domestic deposits to total assets | 84.4615% | 3,985 |
| Equity capital to assets | 13.8450% | 950 |
| Core capital (leverage) ratio | 14.4198% | 707 |
| Tier 1 risk-based capital ratio | 25.0338% | 847 |
| Total risk-based capital ratio | 25.9253% | 876 |
| Memoranda: | ||
| Average total assets | $19,594,600 | 6,707 |
| Average earning assets | $16,245,200 | 6,717 |
| Average equity | $2,850,600 | 6,558 |
| Average total loans | $6,828,400 | 6,691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 5,855 |
| Cost of funding earning assets | 0.5292% | 3,471 |
| Net interest margin | 2.8859% | 5,849 |
| Noninterest income to average assets | 0.5780% | 3,280 |
| Noninterest expense to average assets | 2.8765% | 3,388 |
| Loan and lease loss provision to assets | 0.2856% | 1,209 |
| Net operating income to assets | -0.2108% | 6,475 |
| Return on assets (ROA) | 0.1292% | 6,146 |
| Pretax return on assets | 0.1292% | 6,175 |
| Return on Equity (ROE) | 0.8775% | 6,202 |
| Retained earnings to average equity (ytd only) | -4.7112% | 6,481 |
| Net charge-offs to loans | 0.1004% | 3,543 |
| Credit loss provision to net charge-offs | 840.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 2.1994% | 4,105 |
| Efficiency ratio | 97.4654% | 552 |
| Assets per employee ($millions) | 3.8634% | 4,105 |
| Cash dividends to net income (ytd only)* | 636.9128% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 1,623 |
| Loan loss allowance to noncurrent loans | 27.6986% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 2.5418% | 1,503 |
| Noncurrent loans to loans | 7.3790% | 264 |
| Net loans and leases to total assets | 33.7423% | 6,371 |
| Net loans and leases to deposits | 39.5798% | 6,398 |
| Net loans and leases to core deposits | 46.9225% | 6,178 |
| Total domestic deposits to total assets | 85.2513% | 3,611 |
| Equity capital to assets | 14.0860% | 943 |
| Core capital (leverage) ratio | 14.6114% | 710 |
| Tier 1 risk-based capital ratio | 28.1087% | 627 |
| Total risk-based capital ratio | 29.4769% | 601 |
| Memoranda: | ||
| Average total assets | $19,607,000 | 6,783 |
| Average earning assets | $16,124,000 | 6,797 |
| Average equity | $2,886,750 | 6,625 |
| Average total loans | $6,642,250 | 6,777 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 5,748 |
| Cost of funding earning assets | 0.5102% | 3,802 |
| Net interest margin | 2.9616% | 5,670 |
| Noninterest income to average assets | 0.4162% | 4,405 |
| Noninterest expense to average assets | 2.9132% | 3,286 |
| Loan and lease loss provision to assets | 0.4263% | 705 |
| Net operating income to assets | -0.5075% | 6,633 |
| Return on assets (ROA) | -0.5075% | 6,651 |
| Pretax return on assets | -0.5075% | 6,631 |
| Return on Equity (ROE) | -3.3990% | 6,596 |
| Retained earnings to average equity (ytd only) | -8.8375% | 6,635 |
| Net charge-offs to loans | 0.1506% | 2,897 |
| Credit loss provision to net charge-offs | 840.0000% | 361 |
| Earnings coverage of net charge-offs (x) | -1.6000% | 4,748 |
| Efficiency ratio | 102.8674% | 402 |
| Assets per employee ($millions) | 3.8508% | 4,110 |
| Cash dividends to net income (ytd only)* | -160.0000% | 6,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 1,673 |
| Loan loss allowance to noncurrent loans | 27.6986% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 2.7319% | 1,519 |
| Noncurrent loans to loans | 7.5157% | 294 |
| Net loans and leases to total assets | 33.2243% | 6,453 |
| Net loans and leases to deposits | 39.2093% | 6,444 |
| Net loans and leases to core deposits | 46.3988% | 6,219 |
| Total domestic deposits to total assets | 84.7356% | 4,021 |
| Equity capital to assets | 14.6048% | 795 |
| Core capital (leverage) ratio | 14.3816% | 729 |
| Tier 1 risk-based capital ratio | 27.0389% | 691 |
| Total risk-based capital ratio | 28.3689% | 674 |
| Memoranda: | ||
| Average total assets | $19,703,670 | 6,830 |
| Average earning assets | $16,072,330 | 6,844 |
| Average equity | $2,942,000 | 6,669 |
| Average total loans | $6,638,330 | 6,819 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 5,652 |
| Cost of funding earning assets | 0.5419% | 3,652 |
| Net interest margin | 2.9807% | 5,622 |
| Noninterest income to average assets | 0.4416% | 4,167 |
| Noninterest expense to average assets | 3.0509% | 2,835 |
| Loan and lease loss provision to assets | 0.8832% | 226 |
| Net operating income to assets | -1.0638% | 6,827 |
| Return on assets (ROA) | -1.0638% | 6,836 |
| Pretax return on assets | -1.0638% | 6,819 |
| Return on Equity (ROE) | -7.0502% | 6,743 |
| Retained earnings to average equity (ytd only) | -12.3711% | 6,688 |
| Net charge-offs to loans | 0.4185% | 1,406 |
| Credit loss provision to net charge-offs | 628.5714% | 435 |
| Earnings coverage of net charge-offs (x) | -1.2857% | 3,982 |
| Efficiency ratio | 106.2937% | 389 |
| Assets per employee ($millions) | 4.0304% | 3,881 |
| Cash dividends to net income (ytd only)* | -75.4717% | 6,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3173% | 1,383 |
| Loan loss allowance to noncurrent loans | 21.2833% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 3.3446% | 1,300 |
| Noncurrent loans to loans | 10.8877% | 174 |
| Net loans and leases to total assets | 28.4488% | 6,651 |
| Net loans and leases to deposits | 33.5951% | 6,651 |
| Net loans and leases to core deposits | 38.6503% | 6,540 |
| Total domestic deposits to total assets | 84.6814% | 4,186 |
| Equity capital to assets | 14.6983% | 828 |
| Core capital (leverage) ratio | 14.1170% | 769 |
| Tier 1 risk-based capital ratio | 29.0336% | 580 |
| Total risk-based capital ratio | 30.2739% | 574 |
| Memoranda: | ||
| Average total assets | $19,928,500 | 6,901 |
| Average earning assets | $16,238,000 | 6,910 |
| Average equity | $3,007,000 | 6,721 |
| Average total loans | $6,691,000 | 6,889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 3,646 |
| Cost of funding earning assets | 0.6337% | 4,059 |
| Net interest margin | 3.8082% | 3,193 |
| Noninterest income to average assets | 0.3747% | 4,798 |
| Noninterest expense to average assets | 2.9635% | 3,411 |
| Loan and lease loss provision to assets | 0.1972% | 3,168 |
| Net operating income to assets | 0.4142% | 5,038 |
| Return on assets (ROA) | 0.6805% | 4,099 |
| Pretax return on assets | 0.6805% | 4,734 |
| Return on Equity (ROE) | 4.2480% | 5,041 |
| Retained earnings to average equity (ytd only) | -6.9876% | 6,528 |
| Net charge-offs to loans | -0.0293% | 6,611 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8966% | 1,760 |
| Assets per employee ($millions) | 3.9410% | 4,057 |
| Cash dividends to net income (ytd only)* | 264.4928% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,537 |
| Loan loss allowance to noncurrent loans | 247.5000% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 5,548 |
| Noncurrent loans to loans | 0.5324% | 5,199 |
| Net loans and leases to total assets | 37.6250% | 6,331 |
| Net loans and leases to deposits | 47.0581% | 6,169 |
| Net loans and leases to core deposits | 56.9169% | 5,636 |
| Total domestic deposits to total assets | 79.9543% | 5,680 |
| Equity capital to assets | 15.4885% | 637 |
| Core capital (leverage) ratio | 14.6292% | 647 |
| Tier 1 risk-based capital ratio | 26.3057% | 747 |
| Total risk-based capital ratio | 27.2050% | 766 |
| Memoranda: | ||
| Average total assets | $20,280,400 | 6,953 |
| Average earning assets | $17,042,000 | 6,957 |
| Average equity | $3,248,600 | 6,735 |
| Average total loans | $6,814,800 | 6,955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 5,886 |
| Cost of funding earning assets | 0.6578% | 4,123 |
| Net interest margin | 3.2027% | 5,696 |
| Noninterest income to average assets | 0.3721% | 4,851 |
| Noninterest expense to average assets | 2.7418% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3003% | 5,617 |
| Return on assets (ROA) | 0.6528% | 4,394 |
| Pretax return on assets | 0.6528% | 5,000 |
| Return on Equity (ROE) | 4.0431% | 5,274 |
| Retained earnings to average equity (ytd only) | -1.0107% | 6,279 |
| Net charge-offs to loans | -0.0200% | 6,496 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1288% | 1,031 |
| Assets per employee ($millions) | 4.1174% | 3,652 |
| Cash dividends to net income (ytd only)* | 124.9981% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 6,511 |
| Loan loss allowance to noncurrent loans | 22.1374% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 3,442 |
| Noncurrent loans to loans | 3.8310% | 1,376 |
| Net loans and leases to total assets | 32.9383% | 6,707 |
| Net loans and leases to deposits | 39.5694% | 6,689 |
| Net loans and leases to core deposits | 49.3990% | 6,317 |
| Total domestic deposits to total assets | 83.2419% | 4,546 |
| Equity capital to assets | 16.0150% | 605 |
| Core capital (leverage) ratio | 14.9700% | 611 |
| Tier 1 risk-based capital ratio | 30.1413% | 524 |
| Total risk-based capital ratio | 30.7063% | 548 |
| Memoranda: | ||
| Average total assets | $20,424,250 | 7,044 |
| Average earning assets | $17,027,000 | 7,050 |
| Average equity | $3,297,750 | 6,814 |
| Average total loans | $6,640,250 | 7,057 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 6,264 |
| Cost of funding earning assets | 0.6577% | 4,379 |
| Net interest margin | 3.0887% | 6,040 |
| Noninterest income to average assets | 0.4418% | 4,352 |
| Noninterest expense to average assets | 2.7393% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2847% | 5,664 |
| Return on assets (ROA) | 0.2847% | 5,866 |
| Pretax return on assets | 0.2847% | 5,985 |
| Return on Equity (ROE) | 1.7586% | 6,112 |
| Retained earnings to average equity (ytd only) | -3.2141% | 6,488 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5844% | 1,028 |
| Assets per employee ($millions) | 4.1186% | 3,631 |
| Cash dividends to net income (ytd only)* | 282.7586% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,515 |
| Loan loss allowance to noncurrent loans | 15.3226% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 2.2775% | 2,457 |
| Noncurrent loans to loans | 5.7266% | 789 |
| Net loans and leases to total assets | 31.2679% | 6,841 |
| Net loans and leases to deposits | 37.5299% | 6,823 |
| Net loans and leases to core deposits | 47.8736% | 6,471 |
| Total domestic deposits to total assets | 83.3147% | 4,618 |
| Equity capital to assets | 15.9520% | 590 |
| Core capital (leverage) ratio | 14.8238% | 634 |
| Tier 1 risk-based capital ratio | 30.5071% | 500 |
| Total risk-based capital ratio | 31.0750% | 518 |
| Memoranda: | ||
| Average total assets | $20,370,000 | 7,104 |
| Average earning assets | $17,030,000 | 7,114 |
| Average equity | $3,298,000 | 6,854 |
| Average total loans | $6,574,000 | 7,116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 6,306 |
| Cost of funding earning assets | 0.6883% | 4,381 |
| Net interest margin | 3.0857% | 6,092 |
| Noninterest income to average assets | 0.4739% | 4,115 |
| Noninterest expense to average assets | 2.7840% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2567% | 5,793 |
| Return on assets (ROA) | 0.2567% | 5,950 |
| Pretax return on assets | 0.2567% | 6,067 |
| Return on Equity (ROE) | 1.5736% | 6,200 |
| Retained earnings to average equity (ytd only) | -3.2683% | 6,427 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5584% | 974 |
| Assets per employee ($millions) | 4.3064% | 3,384 |
| Cash dividends to net income (ytd only)* | 307.6923% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,557 |
| Loan loss allowance to noncurrent loans | 15.4891% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 2.1596% | 2,720 |
| Noncurrent loans to loans | 5.7509% | 905 |
| Net loans and leases to total assets | 29.4538% | 6,929 |
| Net loans and leases to deposits | 35.0425% | 6,917 |
| Net loans and leases to core deposits | 44.8451% | 6,625 |
| Total domestic deposits to total assets | 84.0516% | 4,464 |
| Equity capital to assets | 15.2564% | 701 |
| Core capital (leverage) ratio | 14.7506% | 642 |
| Tier 1 risk-based capital ratio | 31.3202% | 471 |
| Total risk-based capital ratio | 31.8968% | 488 |
| Memoranda: | ||
| Average total assets | $20,258,500 | 7,165 |
| Average earning assets | $16,852,000 | 7,177 |
| Average equity | $3,304,500 | 6,894 |
| Average total loans | $6,613,000 | 7,175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 4,791 |
| Cost of funding earning assets | 0.8045% | 4,835 |
| Net interest margin | 3.7646% | 4,004 |
| Noninterest income to average assets | 0.5044% | 3,818 |
| Noninterest expense to average assets | 2.9443% | 3,798 |
| Loan and lease loss provision to assets | 0.0309% | 6,182 |
| Net operating income to assets | 0.6125% | 3,934 |
| Return on assets (ROA) | 0.7772% | 3,308 |
| Pretax return on assets | 0.7772% | 4,061 |
| Return on Equity (ROE) | 4.5275% | 4,615 |
| Retained earnings to average equity (ytd only) | -0.7196% | 5,966 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0660% | 2,009 |
| Assets per employee ($millions) | 3.7970% | 4,317 |
| Cash dividends to net income (ytd only)* | 115.8940% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 6,673 |
| Loan loss allowance to noncurrent loans | 15.4891% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 2.4493% | 2,487 |
| Noncurrent loans to loans | 5.3904% | 1,000 |
| Net loans and leases to total assets | 35.6597% | 6,786 |
| Net loans and leases to deposits | 44.2542% | 6,711 |
| Net loans and leases to core deposits | 61.5790% | 5,693 |
| Total domestic deposits to total assets | 80.5794% | 5,569 |
| Equity capital to assets | 17.5086% | 384 |
| Core capital (leverage) ratio | 16.3697% | 425 |
| Tier 1 risk-based capital ratio | 30.7131% | 482 |
| Total risk-based capital ratio | 31.2753% | 509 |
| Memoranda: | ||
| Average total assets | $19,427,600 | 7,214 |
| Average earning assets | $15,911,400 | 7,233 |
| Average equity | $3,335,200 | 6,920 |
| Average total loans | $6,978,000 | 7,213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7750% | 4,124 |
| Cost of funding earning assets | 0.8363% | 4,888 |
| Net interest margin | 3.9387% | 3,193 |
| Noninterest income to average assets | 0.5186% | 3,736 |
| Noninterest expense to average assets | 2.8525% | 4,136 |
| Loan and lease loss provision to assets | 0.4231% | 2,355 |
| Net operating income to assets | 0.4572% | 4,737 |
| Return on assets (ROA) | 0.4572% | 4,929 |
| Pretax return on assets | 0.4572% | 5,295 |
| Return on Equity (ROE) | 2.6762% | 5,548 |
| Retained earnings to average equity (ytd only) | -2.7160% | 6,385 |
| Net charge-offs to loans | 0.9692% | 1,656 |
| Credit loss provision to net charge-offs | 121.5686% | 2,666 |
| Earnings coverage of net charge-offs (x) | 2.5294% | 3,867 |
| Efficiency ratio | 76.4168% | 2,782 |
| Assets per employee ($millions) | 3.8604% | 4,168 |
| Cash dividends to net income (ytd only)* | 201.5001% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,479 |
| Loan loss allowance to noncurrent loans | 16.8478% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 2.4091% | 2,673 |
| Noncurrent loans to loans | 5.5885% | 1,052 |
| Net loans and leases to total assets | 33.7944% | 6,965 |
| Net loans and leases to deposits | 41.3267% | 6,937 |
| Net loans and leases to core deposits | 55.1535% | 6,381 |
| Total domestic deposits to total assets | 81.7739% | 5,171 |
| Equity capital to assets | 17.2832% | 460 |
| Core capital (leverage) ratio | 15.8009% | 531 |
| Tier 1 risk-based capital ratio | 30.9593% | 494 |
| Total risk-based capital ratio | 31.5848% | 510 |
| Memoranda: | ||
| Average total assets | $19,538,250 | 7,286 |
| Average earning assets | $15,943,750 | 7,310 |
| Average equity | $3,338,000 | 6,982 |
| Average total loans | $7,015,750 | 7,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 3,427 |
| Cost of funding earning assets | 0.9079% | 4,600 |
| Net interest margin | 4.0350% | 2,675 |
| Noninterest income to average assets | 0.5403% | 3,555 |
| Noninterest expense to average assets | 2.7629% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0399% | 2,066 |
| Return on assets (ROA) | 1.0399% | 2,163 |
| Pretax return on assets | 1.0399% | 3,076 |
| Return on Equity (ROE) | 6.1102% | 3,912 |
| Retained earnings to average equity (ytd only) | 1.3179% | 5,322 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6542% | 3,607 |
| Assets per employee ($millions) | 3.8980% | 3,995 |
| Cash dividends to net income (ytd only)* | 78.4314% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 6,822 |
| Loan loss allowance to noncurrent loans | 28.6517% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 1.4110% | 4,101 |
| Noncurrent loans to loans | 2.8863% | 2,529 |
| Net loans and leases to total assets | 31.3802% | 7,131 |
| Net loans and leases to deposits | 38.3665% | 7,109 |
| Net loans and leases to core deposits | 53.7151% | 6,578 |
| Total domestic deposits to total assets | 81.7907% | 5,242 |
| Equity capital to assets | 17.2858% | 456 |
| Core capital (leverage) ratio | 16.0993% | 496 |
| Tier 1 risk-based capital ratio | 33.4569% | 404 |
| Total risk-based capital ratio | 33.9970% | 418 |
| Memoranda: | ||
| Average total assets | $19,617,000 | 7,359 |
| Average earning assets | $15,861,330 | 7,386 |
| Average equity | $3,338,670 | 7,032 |
| Average total loans | $7,159,330 | 7,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 5,209 |
| Cost of funding earning assets | 0.9027% | 4,897 |
| Net interest margin | 3.6353% | 4,399 |
| Noninterest income to average assets | 0.6301% | 2,960 |
| Noninterest expense to average assets | 2.8048% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8536% | 2,763 |
| Return on assets (ROA) | 0.8536% | 2,825 |
| Pretax return on assets | 0.8536% | 3,694 |
| Return on Equity (ROE) | 5.0549% | 4,375 |
| Retained earnings to average equity (ytd only) | 0.2407% | 5,715 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 3,040 |
| Assets per employee ($millions) | 3.9854% | 3,867 |
| Cash dividends to net income (ytd only)* | 95.2381% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 7,082 |
| Loan loss allowance to noncurrent loans | 16.2939% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 2.0575% | 3,252 |
| Noncurrent loans to loans | 4.2707% | 1,668 |
| Net loans and leases to total assets | 36.5233% | 6,980 |
| Net loans and leases to deposits | 44.3321% | 6,942 |
| Net loans and leases to core deposits | 60.0842% | 6,089 |
| Total domestic deposits to total assets | 82.3857% | 5,153 |
| Equity capital to assets | 16.7261% | 473 |
| Core capital (leverage) ratio | 15.9973% | 503 |
| Tier 1 risk-based capital ratio | 30.1045% | 518 |
| Total risk-based capital ratio | 30.5937% | 542 |
| Memoranda: | ||
| Average total assets | $19,680,500 | 7,417 |
| Average earning assets | $16,395,000 | 7,423 |
| Average equity | $3,323,500 | 7,071 |
| Average total loans | $7,655,500 | 7,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 5,265 |
| Cost of funding earning assets | 1.0614% | 5,355 |
| Net interest margin | 3.7809% | 4,024 |
| Noninterest income to average assets | 0.5018% | 4,147 |
| Noninterest expense to average assets | 2.9630% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7183% | 3,156 |
| Return on assets (ROA) | 0.9613% | 2,281 |
| Pretax return on assets | 0.9613% | 3,060 |
| Return on Equity (ROE) | 5.4465% | 3,865 |
| Retained earnings to average equity (ytd only) | -0.3591% | 5,682 |
| Net charge-offs to loans | 0.6635% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,660 |
| Efficiency ratio | 80.4878% | 2,347 |
| Assets per employee ($millions) | 3.8868% | 4,037 |
| Cash dividends to net income (ytd only)* | 106.5934% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 7,213 |
| Loan loss allowance to noncurrent loans | 11.1354% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 2.8558% | 2,452 |
| Noncurrent loans to loans | 5.7379% | 1,111 |
| Net loans and leases to total assets | 40.8099% | 6,914 |
| Net loans and leases to deposits | 49.7585% | 6,866 |
| Net loans and leases to core deposits | 73.3266% | 5,062 |
| Total domestic deposits to total assets | 82.0161% | 5,184 |
| Equity capital to assets | 17.0526% | 451 |
| Core capital (leverage) ratio | 16.6075% | 437 |
| Tier 1 risk-based capital ratio | 28.8327% | 550 |
| Total risk-based capital ratio | 29.3015% | 588 |
| Memoranda: | ||
| Average total assets | $18,933,400 | 7,491 |
| Average earning assets | $15,922,000 | 7,499 |
| Average equity | $3,341,600 | 7,181 |
| Average total loans | $7,234,400 | 7,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 4,739 |
| Cost of funding earning assets | 1.0809% | 5,548 |
| Net interest margin | 3.9351% | 3,381 |
| Noninterest income to average assets | 0.5033% | 4,158 |
| Noninterest expense to average assets | 2.9632% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8436% | 2,830 |
| Return on assets (ROA) | 1.1696% | 1,769 |
| Pretax return on assets | 1.1696% | 2,599 |
| Return on Equity (ROE) | 6.5698% | 3,544 |
| Retained earnings to average equity (ytd only) | 0.4381% | 5,621 |
| Net charge-offs to loans | 0.5108% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.4072% | 3,065 |
| Efficiency ratio | 77.8399% | 2,644 |
| Assets per employee ($millions) | 3.8194% | 4,218 |
| Cash dividends to net income (ytd only)* | 93.3361% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,294 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 5,766 |
| Noncurrent loans to loans | 0.4548% | 6,277 |
| Net loans and leases to total assets | 36.4665% | 7,245 |
| Net loans and leases to deposits | 44.7730% | 7,212 |
| Net loans and leases to core deposits | 63.8313% | 6,311 |
| Total domestic deposits to total assets | 81.4473% | 5,221 |
| Equity capital to assets | 17.4897% | 466 |
| Core capital (leverage) ratio | 17.0248% | 429 |
| Tier 1 risk-based capital ratio | 29.2171% | 556 |
| Total risk-based capital ratio | 29.8826% | 575 |
| Memoranda: | ||
| Average total assets | $18,808,250 | 7,587 |
| Average earning assets | $15,789,250 | 7,597 |
| Average equity | $3,348,500 | 7,271 |
| Average total loans | $7,047,500 | 7,596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 4,637 |
| Cost of funding earning assets | 1.0584% | 5,881 |
| Net interest margin | 4.0069% | 2,983 |
| Noninterest income to average assets | 0.4703% | 4,352 |
| Noninterest expense to average assets | 3.0141% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8551% | 2,711 |
| Return on assets (ROA) | 0.8551% | 2,857 |
| Pretax return on assets | 0.8551% | 3,679 |
| Return on Equity (ROE) | 4.7742% | 4,397 |
| Retained earnings to average equity (ytd only) | -0.7161% | 5,907 |
| Net charge-offs to loans | 0.7658% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.9630% | 3,516 |
| Efficiency ratio | 77.9006% | 2,741 |
| Assets per employee ($millions) | 3.7292% | 4,384 |
| Cash dividends to net income (ytd only)* | 115.0000% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 6,260 |
| Loan loss allowance to noncurrent loans | 105.8824% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 5,350 |
| Noncurrent loans to loans | 0.9748% | 5,359 |
| Net loans and leases to total assets | 37.0267% | 7,320 |
| Net loans and leases to deposits | 45.7613% | 7,259 |
| Net loans and leases to core deposits | 64.8020% | 6,335 |
| Total domestic deposits to total assets | 80.9128% | 5,432 |
| Equity capital to assets | 18.0039% | 416 |
| Core capital (leverage) ratio | 16.9903% | 441 |
| Tier 1 risk-based capital ratio | 29.6086% | 534 |
| Total risk-based capital ratio | 30.2893% | 559 |
| Memoranda: | ||
| Average total assets | $18,712,000 | 7,661 |
| Average earning assets | $15,872,670 | 7,659 |
| Average equity | $3,351,330 | 7,312 |
| Average total loans | $7,051,330 | 7,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 4,710 |
| Cost of funding earning assets | 1.0279% | 6,238 |
| Net interest margin | 4.0362% | 2,713 |
| Noninterest income to average assets | 0.5335% | 3,786 |
| Noninterest expense to average assets | 3.0088% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9603% | 2,329 |
| Return on assets (ROA) | 0.9603% | 2,393 |
| Pretax return on assets | 0.9603% | 3,235 |
| Return on Equity (ROE) | 5.3755% | 4,168 |
| Retained earnings to average equity (ytd only) | 0.3584% | 5,694 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8065% | 3,249 |
| Assets per employee ($millions) | 3.7326% | 4,491 |
| Cash dividends to net income (ytd only)* | 93.3333% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,264 |
| Loan loss allowance to noncurrent loans | 111.2360% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 5,154 |
| Noncurrent loans to loans | 1.2854% | 4,830 |
| Net loans and leases to total assets | 36.5697% | 7,407 |
| Net loans and leases to deposits | 45.1807% | 7,359 |
| Net loans and leases to core deposits | 64.5390% | 6,419 |
| Total domestic deposits to total assets | 80.9409% | 5,480 |
| Equity capital to assets | 17.9928% | 425 |
| Core capital (leverage) ratio | 17.4115% | 416 |
| Tier 1 risk-based capital ratio | 29.6408% | 544 |
| Total risk-based capital ratio | 30.5718% | 548 |
| Memoranda: | ||
| Average total assets | $18,745,000 | 7,754 |
| Average earning assets | $15,955,500 | 7,757 |
| Average equity | $3,348,500 | 7,392 |
| Average total loans | $7,089,000 | 7,755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4619% | 4,376 |
| Cost of funding earning assets | 1.1952% | 6,672 |
| Net interest margin | 4.2667% | 1,831 |
| Noninterest income to average assets | 0.6706% | 3,154 |
| Noninterest expense to average assets | 3.0769% | 3,846 |
| Loan and lease loss provision to assets | 0.2818% | 5,166 |
| Net operating income to assets | 0.9129% | 2,138 |
| Return on assets (ROA) | 0.9975% | 1,895 |
| Pretax return on assets | 0.9975% | 2,603 |
| Return on Equity (ROE) | 5.2858% | 3,539 |
| Retained earnings to average equity (ytd only) | -0.7466% | 5,188 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0317% | 4,256 |
| Assets per employee ($millions) | 3.7654% | 4,364 |
| Cash dividends to net income (ytd only)* | 114.1243% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,410 |
| Loan loss allowance to noncurrent loans | 115.1163% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 5,164 |
| Noncurrent loans to loans | 1.1856% | 4,959 |
| Net loans and leases to total assets | 38.0039% | 7,449 |
| Net loans and leases to deposits | 49.3823% | 7,291 |
| Net loans and leases to core deposits | 66.0482% | 6,979 |
| Total domestic deposits to total assets | 76.9586% | 6,492 |
| Equity capital to assets | 17.7352% | 468 |
| Core capital (leverage) ratio | 17.6303% | 427 |
| Tier 1 risk-based capital ratio | 28.9522% | 581 |
| Total risk-based capital ratio | 29.8621% | 588 |
| Memoranda: | ||
| Average total assets | $17,745,200 | 7,834 |
| Average earning assets | $14,976,600 | 7,843 |
| Average equity | $3,348,600 | 7,489 |
| Average total loans | $6,673,600 | 7,838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 4,168 |
| Cost of funding earning assets | 1.2784% | 6,629 |
| Net interest margin | 4.2702% | 1,808 |
| Noninterest income to average assets | 0.6409% | 3,415 |
| Noninterest expense to average assets | 3.0291% | 3,936 |
| Loan and lease loss provision to assets | 0.0763% | 6,602 |
| Net operating income to assets | 1.1292% | 1,640 |
| Return on assets (ROA) | 1.2437% | 1,427 |
| Pretax return on assets | 1.2437% | 2,129 |
| Return on Equity (ROE) | 6.4855% | 3,306 |
| Retained earnings to average equity (ytd only) | 1.6315% | 4,401 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5315% | 4,322 |
| Assets per employee ($millions) | 3.5058% | 4,913 |
| Cash dividends to net income (ytd only)* | 74.8447% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 6,395 |
| Loan loss allowance to noncurrent loans | 71.0843% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 5,024 |
| Noncurrent loans to loans | 1.3792% | 4,608 |
| Net loans and leases to total assets | 33.9951% | 7,691 |
| Net loans and leases to deposits | 42.8428% | 7,652 |
| Net loans and leases to core deposits | 54.3605% | 7,585 |
| Total domestic deposits to total assets | 79.3485% | 5,679 |
| Equity capital to assets | 19.3679% | 382 |
| Core capital (leverage) ratio | 18.5356% | 415 |
| Tier 1 risk-based capital ratio | 33.3679% | 423 |
| Total risk-based capital ratio | 33.9803% | 438 |
| Memoranda: | ||
| Average total assets | $17,474,750 | 7,921 |
| Average earning assets | $14,706,250 | 7,931 |
| Average equity | $3,351,000 | 7,554 |
| Average total loans | $6,528,500 | 7,919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6617% | 3,758 |
| Cost of funding earning assets | 1.3610% | 6,618 |
| Net interest margin | 4.3007% | 1,652 |
| Noninterest income to average assets | 0.6760% | 3,142 |
| Noninterest expense to average assets | 3.0132% | 4,031 |
| Loan and lease loss provision to assets | 0.1146% | 5,999 |
| Net operating income to assets | 1.1686% | 1,566 |
| Return on assets (ROA) | 1.3061% | 1,294 |
| Pretax return on assets | 1.3061% | 2,008 |
| Return on Equity (ROE) | 6.8339% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.0382% | 4,208 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1333% | 4,751 |
| Assets per employee ($millions) | 3.4922% | 4,832 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 6,839 |
| Loan loss allowance to noncurrent loans | 60.8247% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 4,732 |
| Noncurrent loans to loans | 1.4517% | 4,317 |
| Net loans and leases to total assets | 37.9302% | 7,638 |
| Net loans and leases to deposits | 47.6064% | 7,575 |
| Net loans and leases to core deposits | 55.2746% | 7,622 |
| Total domestic deposits to total assets | 79.6747% | 5,563 |
| Equity capital to assets | 19.0424% | 456 |
| Core capital (leverage) ratio | 18.3120% | 473 |
| Tier 1 risk-based capital ratio | 34.0720% | 447 |
| Total risk-based capital ratio | 34.7006% | 452 |
| Memoranda: | ||
| Average total assets | $17,456,670 | 8,002 |
| Average earning assets | $14,695,330 | 8,016 |
| Average equity | $3,336,330 | 7,621 |
| Average total loans | $6,698,670 | 8,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 4,425 |
| Cost of funding earning assets | 1.4379% | 6,616 |
| Net interest margin | 4.1510% | 2,088 |
| Noninterest income to average assets | 0.6188% | 3,419 |
| Noninterest expense to average assets | 3.0021% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1229% | 1,889 |
| Return on assets (ROA) | 1.1229% | 2,012 |
| Pretax return on assets | 1.1229% | 2,901 |
| Return on Equity (ROE) | 5.8648% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.0772% | 5,208 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7778% | 4,045 |
| Assets per employee ($millions) | 3.5458% | 4,714 |
| Cash dividends to net income (ytd only)* | 81.6327% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 7,376 |
| Loan loss allowance to noncurrent loans | 56.9767% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 4,629 |
| Noncurrent loans to loans | 1.2707% | 4,444 |
| Net loans and leases to total assets | 37.8984% | 7,667 |
| Net loans and leases to deposits | 47.4673% | 7,600 |
| Net loans and leases to core deposits | 57.2854% | 7,553 |
| Total domestic deposits to total assets | 79.8409% | 5,421 |
| Equity capital to assets | 18.9012% | 507 |
| Core capital (leverage) ratio | 18.4940% | 501 |
| Tier 1 risk-based capital ratio | 33.5830% | 473 |
| Total risk-based capital ratio | 34.1000% | 490 |
| Memoranda: | ||
| Average total assets | $17,454,500 | 8,050 |
| Average earning assets | $14,743,500 | 8,066 |
| Average equity | $3,342,000 | 7,677 |
| Average total loans | $6,707,000 | 8,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3372% | 3,747 |
| Cost of funding earning assets | 1.9110% | 6,700 |
| Net interest margin | 4.4262% | 1,608 |
| Noninterest income to average assets | 0.5696% | 4,082 |
| Noninterest expense to average assets | 3.4751% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8448% | 3,243 |
| Return on assets (ROA) | 0.9472% | 2,661 |
| Pretax return on assets | 0.9472% | 3,562 |
| Return on Equity (ROE) | 4.5628% | 4,573 |
| Retained earnings to average equity (ytd only) | -0.4624% | 5,428 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4444% | 2,536 |
| Assets per employee ($millions) | 3.4360% | 4,839 |
| Cash dividends to net income (ytd only)* | 110.1351% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7373% | 7,336 |
| Loan loss allowance to noncurrent loans | 68.0556% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 4,370 |
| Noncurrent loans to loans | 1.0834% | 4,399 |
| Net loans and leases to total assets | 38.3993% | 7,751 |
| Net loans and leases to deposits | 49.9205% | 7,630 |
| Net loans and leases to core deposits | 57.0182% | 7,708 |
| Total domestic deposits to total assets | 76.9208% | 6,017 |
| Equity capital to assets | 19.4005% | 506 |
| Core capital (leverage) ratio | 19.0436% | 509 |
| Tier 1 risk-based capital ratio | 34.1731% | 473 |
| Total risk-based capital ratio | 34.7007% | 489 |
| Memoranda: | ||
| Average total assets | $15,625,400 | 8,146 |
| Average earning assets | $13,239,200 | 8,163 |
| Average equity | $3,243,600 | 7,765 |
| Average total loans | $6,511,200 | 8,103 |