Home > Citizens State Bank of Tyler, Incorporated > Performance and Condition Ratios
Citizens State Bank of Tyler, Incorporated, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7097% | 3,935 |
| Cost of funding earning assets | 0.0669% | 4,482 |
| Net interest margin | 2.6428% | 3,551 |
| Noninterest income to average assets | 0.2417% | 3,698 |
| Noninterest expense to average assets | 1.7186% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6176% | 3,339 |
| Return on assets (ROA) | -0.1074% | 4,583 |
| Pretax return on assets | -0.0806% | 4,561 |
| Return on Equity (ROE) | -1.5530% | 4,619 |
| Retained earnings to average equity (ytd only) | -1.5530% | 4,207 |
| Net charge-offs to loans | 0.0819% | 593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 937 |
| Efficiency ratio | 72.7273% | 1,882 |
| Assets per employee ($millions) | 7.5865% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7946% | 193 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,071 |
| Noncurrent loans to loans | 0.1251% | 3,194 |
| Net loans and leases to total assets | 15.3595% | 4,709 |
| Net loans and leases to deposits | 16.3659% | 4,715 |
| Net loans and leases to core deposits | 16.6583% | 4,712 |
| Total domestic deposits to total assets | 93.8509% | 127 |
| Equity capital to assets | 6.0074% | 4,583 |
| Core capital (leverage) ratio | 8.0041% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6101% | 182 |
| Memoranda: | ||
| Average total assets | $29,792,500 | 4,707 |
| Average earning assets | $23,914,000 | 4,715 |
| Average equity | $2,060,500 | 4,770 |
| Average total loans | $4,883,500 | 4,750 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0993% | 4,657 |
| Cost of funding earning assets | 0.0679% | 4,601 |
| Net interest margin | 2.0314% | 4,582 |
| Noninterest income to average assets | 0.6055% | 2,132 |
| Noninterest expense to average assets | 1.8198% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3893% | 4,293 |
| Return on assets (ROA) | 0.2007% | 4,555 |
| Pretax return on assets | 0.2143% | 4,566 |
| Return on Equity (ROE) | 2.5227% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.5227% | 3,824 |
| Net charge-offs to loans | 0.0216% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 773 |
| Efficiency ratio | 81.4307% | 727 |
| Assets per employee ($millions) | 5.8478% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7152% | 209 |
| Loan loss allowance to noncurrent loans | 1,687.5000% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 3,090 |
| Noncurrent loans to loans | 0.1609% | 3,134 |
| Net loans and leases to total assets | 16.5430% | 4,745 |
| Net loans and leases to deposits | 17.9774% | 4,758 |
| Net loans and leases to core deposits | 18.3178% | 4,753 |
| Total domestic deposits to total assets | 92.0209% | 170 |
| Equity capital to assets | 7.8594% | 4,441 |
| Core capital (leverage) ratio | 8.1753% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1804% | 197 |
| Memoranda: | ||
| Average total assets | $29,399,400 | 4,747 |
| Average earning assets | $23,579,400 | 4,756 |
| Average equity | $2,338,800 | 4,795 |
| Average total loans | $4,621,000 | 4,796 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2405% | 4,700 |
| Cost of funding earning assets | 0.0751% | 4,661 |
| Net interest margin | 2.1654% | 4,590 |
| Noninterest income to average assets | 0.5571% | 2,385 |
| Noninterest expense to average assets | 1.6984% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5468% | 4,106 |
| Return on assets (ROA) | 0.2672% | 4,584 |
| Pretax return on assets | 0.2717% | 4,614 |
| Return on Equity (ROE) | 3.3489% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.3489% | 3,786 |
| Net charge-offs to loans | 0.0294% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 763 |
| Efficiency ratio | 75.3012% | 1,091 |
| Assets per employee ($millions) | 5.8766% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 239 |
| Loan loss allowance to noncurrent loans | 750.0000% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 3,075 |
| Noncurrent loans to loans | 0.3489% | 2,529 |
| Net loans and leases to total assets | 17.0983% | 4,819 |
| Net loans and leases to deposits | 18.6288% | 4,826 |
| Net loans and leases to core deposits | 18.6288% | 4,827 |
| Total domestic deposits to total assets | 91.7844% | 167 |
| Equity capital to assets | 8.0727% | 4,482 |
| Core capital (leverage) ratio | 7.8584% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8974% | 215 |
| Memoranda: | ||
| Average total assets | $29,439,500 | 4,819 |
| Average earning assets | $23,089,750 | 4,833 |
| Average equity | $2,349,000 | 4,868 |
| Average total loans | $4,533,250 | 4,866 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2126% | 4,758 |
| Cost of funding earning assets | 0.0813% | 4,693 |
| Net interest margin | 2.1313% | 4,639 |
| Noninterest income to average assets | 0.2919% | 3,679 |
| Noninterest expense to average assets | 1.6905% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1969% | 4,638 |
| Return on assets (ROA) | -0.0204% | 4,787 |
| Pretax return on assets | -0.0136% | 4,785 |
| Return on Equity (ROE) | -0.2563% | 4,791 |
| Retained earnings to average equity (ytd only) | -0.2563% | 4,544 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2473% | 362 |
| Assets per employee ($millions) | 5.8884% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8955% | 169 |
| Loan loss allowance to noncurrent loans | 1,942.8571% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 3,420 |
| Noncurrent loans to loans | 0.1490% | 3,455 |
| Net loans and leases to total assets | 15.4915% | 4,862 |
| Net loans and leases to deposits | 16.8371% | 4,868 |
| Net loans and leases to core deposits | 16.8371% | 4,870 |
| Total domestic deposits to total assets | 92.0080% | 121 |
| Equity capital to assets | 7.8629% | 4,593 |
| Core capital (leverage) ratio | 7.6447% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7486% | 192 |
| Memoranda: | ||
| Average total assets | $29,458,333 | 4,851 |
| Average earning assets | $22,146,333 | 4,875 |
| Average equity | $2,341,333 | 4,904 |
| Average total loans | $4,324,667 | 4,908 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6350% | 4,539 |
| Cost of funding earning assets | 0.0753% | 4,777 |
| Net interest margin | 2.5597% | 4,222 |
| Noninterest income to average assets | 0.3801% | 3,196 |
| Noninterest expense to average assets | 1.7240% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3889% | 4,379 |
| Return on assets (ROA) | 0.0136% | 4,779 |
| Pretax return on assets | 0.0271% | 4,772 |
| Return on Equity (ROE) | 0.1699% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.1699% | 4,349 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4390% | 1,004 |
| Assets per employee ($millions) | 5.9076% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4179% | 107 |
| Loan loss allowance to noncurrent loans | 1,511.1111% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 3,514 |
| Noncurrent loans to loans | 0.2262% | 3,289 |
| Net loans and leases to total assets | 13.0104% | 4,908 |
| Net loans and leases to deposits | 14.1318% | 4,913 |
| Net loans and leases to core deposits | 14.1318% | 4,910 |
| Total domestic deposits to total assets | 92.0645% | 130 |
| Equity capital to assets | 7.8272% | 4,582 |
| Core capital (leverage) ratio | 7.6693% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9468% | 152 |
| Memoranda: | ||
| Average total assets | $29,466,500 | 4,876 |
| Average earning assets | $21,252,500 | 4,905 |
| Average equity | $2,354,500 | 4,930 |
| Average total loans | $4,138,500 | 4,936 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8182% | 4,742 |
| Cost of funding earning assets | 0.0837% | 4,904 |
| Net interest margin | 2.7346% | 4,338 |
| Noninterest income to average assets | 0.3507% | 3,364 |
| Noninterest expense to average assets | 2.0482% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3408% | 4,373 |
| Return on assets (ROA) | 0.2391% | 4,585 |
| Pretax return on assets | 0.2710% | 4,583 |
| Return on Equity (ROE) | 2.5400% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.5400% | 3,575 |
| Net charge-offs to loans | 0.0472% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 1,229 |
| Efficiency ratio | 84.1244% | 619 |
| Assets per employee ($millions) | 5.8790% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1643% | 127 |
| Loan loss allowance to noncurrent loans | 1,511.1111% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 3,609 |
| Noncurrent loans to loans | 0.2094% | 3,451 |
| Net loans and leases to total assets | 14.1589% | 4,922 |
| Net loans and leases to deposits | 15.4474% | 4,930 |
| Net loans and leases to core deposits | 15.4474% | 4,929 |
| Total domestic deposits to total assets | 91.6584% | 109 |
| Equity capital to assets | 8.1544% | 4,637 |
| Core capital (leverage) ratio | 8.5063% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8862% | 139 |
| Memoranda: | ||
| Average total assets | $25,095,000 | 4,908 |
| Average earning assets | $19,125,600 | 4,934 |
| Average equity | $2,362,200 | 4,946 |
| Average total loans | $4,241,600 | 4,958 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9923% | 4,740 |
| Cost of funding earning assets | 0.0849% | 4,953 |
| Net interest margin | 2.9074% | 4,170 |
| Noninterest income to average assets | 0.2942% | 3,720 |
| Noninterest expense to average assets | 2.1204% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4310% | 4,201 |
| Return on assets (ROA) | 0.2886% | 4,512 |
| Pretax return on assets | 0.3053% | 4,540 |
| Return on Equity (ROE) | 2.9459% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.9459% | 3,546 |
| Net charge-offs to loans | 0.0631% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,340 |
| Efficiency ratio | 82.3276% | 715 |
| Assets per employee ($millions) | 4.9734% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1985% | 116 |
| Loan loss allowance to noncurrent loans | 1,511.1111% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 3,595 |
| Noncurrent loans to loans | 0.2117% | 3,537 |
| Net loans and leases to total assets | 16.5521% | 4,951 |
| Net loans and leases to deposits | 18.3619% | 4,957 |
| Net loans and leases to core deposits | 18.3619% | 4,959 |
| Total domestic deposits to total assets | 90.1436% | 380 |
| Equity capital to assets | 9.5910% | 3,615 |
| Core capital (leverage) ratio | 9.0113% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1816% | 132 |
| Memoranda: | ||
| Average total assets | $24,020,000 | 4,954 |
| Average earning assets | $18,848,000 | 4,965 |
| Average equity | $2,353,500 | 4,976 |
| Average total loans | $4,227,500 | 4,991 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9853% | 4,847 |
| Cost of funding earning assets | 0.0865% | 4,994 |
| Net interest margin | 2.8988% | 4,308 |
| Noninterest income to average assets | 0.3117% | 3,596 |
| Noninterest expense to average assets | 2.1232% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4294% | 4,170 |
| Return on assets (ROA) | 0.4213% | 4,247 |
| Pretax return on assets | 0.4381% | 4,356 |
| Return on Equity (ROE) | 4.2680% | 4,031 |
| Retained earnings to average equity (ytd only) | 4.2680% | 2,790 |
| Net charge-offs to loans | 0.0948% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,522 |
| Efficiency ratio | 82.6230% | 718 |
| Assets per employee ($millions) | 5.1316% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1843% | 118 |
| Loan loss allowance to noncurrent loans | 1,511.1111% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,707 |
| Noncurrent loans to loans | 0.2107% | 3,629 |
| Net loans and leases to total assets | 16.1158% | 4,982 |
| Net loans and leases to deposits | 17.8179% | 4,992 |
| Net loans and leases to core deposits | 17.8179% | 4,988 |
| Total domestic deposits to total assets | 90.4474% | 287 |
| Equity capital to assets | 9.2642% | 3,865 |
| Core capital (leverage) ratio | 9.3791% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9533% | 130 |
| Memoranda: | ||
| Average total assets | $23,737,667 | 4,983 |
| Average earning assets | $18,490,333 | 4,997 |
| Average equity | $2,343,000 | 5,007 |
| Average total loans | $4,219,333 | 5,022 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4303% | 4,708 |
| Cost of funding earning assets | 0.0885% | 5,054 |
| Net interest margin | 3.3418% | 3,479 |
| Noninterest income to average assets | 0.4039% | 3,067 |
| Noninterest expense to average assets | 2.1249% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9048% | 2,508 |
| Return on assets (ROA) | 0.6322% | 3,568 |
| Pretax return on assets | 0.6498% | 3,811 |
| Return on Equity (ROE) | 6.1909% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.1909% | 1,804 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5402% | 2,417 |
| Assets per employee ($millions) | 4.5132% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2205% | 117 |
| Loan loss allowance to noncurrent loans | 128.9720% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 2,133 |
| Noncurrent loans to loans | 2.4971% | 481 |
| Net loans and leases to total assets | 18.3772% | 5,018 |
| Net loans and leases to deposits | 20.5878% | 5,027 |
| Net loans and leases to core deposits | 20.5878% | 5,028 |
| Total domestic deposits to total assets | 89.2626% | 561 |
| Equity capital to assets | 10.4493% | 3,366 |
| Core capital (leverage) ratio | 9.8998% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4660% | 129 |
| Memoranda: | ||
| Average total assets | $22,777,500 | 5,039 |
| Average earning assets | $18,074,000 | 5,049 |
| Average equity | $2,326,000 | 5,054 |
| Average total loans | $4,193,500 | 5,069 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9938% | 5,054 |
| Cost of funding earning assets | 0.0843% | 5,120 |
| Net interest margin | 2.9095% | 4,643 |
| Noninterest income to average assets | 0.5024% | 2,724 |
| Noninterest expense to average assets | 2.3255% | 3,886 |
| Loan and lease loss provision to assets | 0.0489% | 3,045 |
| Net operating income to assets | 0.5825% | 4,217 |
| Return on assets (ROA) | 0.5202% | 4,410 |
| Pretax return on assets | 0.5202% | 4,535 |
| Return on Equity (ROE) | 5.2760% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.2760% | 2,281 |
| Net charge-offs to loans | -0.0684% | 4,883 |
| Credit loss provision to net charge-offs | -366.6667% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6466% | 1,075 |
| Assets per employee ($millions) | 4.5978% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3642% | 94 |
| Loan loss allowance to noncurrent loans | 89.0323% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 1,558 |
| Noncurrent loans to loans | 3.7786% | 202 |
| Net loans and leases to total assets | 17.2430% | 5,089 |
| Net loans and leases to deposits | 19.1980% | 5,098 |
| Net loans and leases to core deposits | 19.1980% | 5,099 |
| Total domestic deposits to total assets | 89.8169% | 385 |
| Equity capital to assets | 9.9787% | 3,940 |
| Core capital (leverage) ratio | 9.8836% | 3,636 |
| Tier 1 risk-based capital ratio | 40.5917% | 235 |
| Total risk-based capital ratio | 41.8546% | 231 |
| Memoranda: | ||
| Average total assets | $22,490,200 | 5,095 |
| Average earning assets | $18,972,600 | 5,099 |
| Average equity | $2,217,600 | 5,119 |
| Average total loans | $4,384,000 | 5,131 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 5,139 |
| Cost of funding earning assets | 0.0831% | 5,197 |
| Net interest margin | 2.9625% | 4,676 |
| Noninterest income to average assets | 0.5187% | 2,615 |
| Noninterest expense to average assets | 2.2236% | 4,140 |
| Loan and lease loss provision to assets | 0.0656% | 2,578 |
| Net operating income to assets | 0.7809% | 3,734 |
| Return on assets (ROA) | 0.6379% | 4,241 |
| Pretax return on assets | 0.6379% | 4,473 |
| Return on Equity (ROE) | 6.4890% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.4890% | 2,124 |
| Net charge-offs to loans | -0.1197% | 5,021 |
| Credit loss provision to net charge-offs | -275.0000% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4272% | 1,775 |
| Assets per employee ($millions) | 4.3658% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2783% | 103 |
| Loan loss allowance to noncurrent loans | 926.6667% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 3,660 |
| Noncurrent loans to loans | 0.3538% | 3,276 |
| Net loans and leases to total assets | 18.7869% | 5,164 |
| Net loans and leases to deposits | 21.0254% | 5,169 |
| Net loans and leases to core deposits | 21.0254% | 5,171 |
| Total domestic deposits to total assets | 89.3536% | 495 |
| Equity capital to assets | 10.4402% | 3,599 |
| Core capital (leverage) ratio | 9.9711% | 3,665 |
| Tier 1 risk-based capital ratio | 39.5550% | 251 |
| Total risk-based capital ratio | 40.8088% | 251 |
| Memoranda: | ||
| Average total assets | $22,365,500 | 5,174 |
| Average earning assets | $19,262,500 | 5,173 |
| Average equity | $2,198,500 | 5,197 |
| Average total loans | $4,454,500 | 5,207 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8908% | 5,231 |
| Cost of funding earning assets | 0.0720% | 5,253 |
| Net interest margin | 2.8188% | 4,907 |
| Noninterest income to average assets | 0.5500% | 2,385 |
| Noninterest expense to average assets | 2.2090% | 4,205 |
| Loan and lease loss provision to assets | 0.0976% | 1,915 |
| Net operating income to assets | 0.6742% | 4,086 |
| Return on assets (ROA) | 0.5589% | 4,436 |
| Pretax return on assets | 0.5589% | 4,613 |
| Return on Equity (ROE) | 5.8020% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.8020% | 2,368 |
| Net charge-offs to loans | -0.1768% | 5,111 |
| Credit loss provision to net charge-offs | -275.0000% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1071% | 1,629 |
| Assets per employee ($millions) | 4.4464% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1006% | 119 |
| Loan loss allowance to noncurrent loans | 695.0000% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,563 |
| Noncurrent loans to loans | 0.4461% | 2,935 |
| Net loans and leases to total assets | 19.5394% | 5,208 |
| Net loans and leases to deposits | 21.7854% | 5,214 |
| Net loans and leases to core deposits | 21.7854% | 5,214 |
| Total domestic deposits to total assets | 89.6905% | 418 |
| Equity capital to assets | 10.0576% | 3,931 |
| Core capital (leverage) ratio | 9.9349% | 3,657 |
| Tier 1 risk-based capital ratio | 36.2481% | 305 |
| Total risk-based capital ratio | 37.5021% | 299 |
| Memoranda: | ||
| Average total assets | $22,544,330 | 5,219 |
| Average earning assets | $19,441,000 | 5,220 |
| Average equity | $2,171,670 | 5,240 |
| Average total loans | $4,526,000 | 5,255 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 5,229 |
| Cost of funding earning assets | 0.0825% | 5,303 |
| Net interest margin | 3.0521% | 4,665 |
| Noninterest income to average assets | 0.7401% | 1,465 |
| Noninterest expense to average assets | 2.1850% | 4,294 |
| Loan and lease loss provision to assets | 0.1938% | 835 |
| Net operating income to assets | 0.9691% | 2,974 |
| Return on assets (ROA) | 0.6343% | 4,178 |
| Pretax return on assets | 0.6343% | 4,453 |
| Return on Equity (ROE) | 6.7305% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.7305% | 2,146 |
| Net charge-offs to loans | -0.5278% | 5,275 |
| Credit loss provision to net charge-offs | -183.3333% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2632% | 3,047 |
| Assets per employee ($millions) | 4.4036% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0773% | 125 |
| Loan loss allowance to noncurrent loans | 276.4706% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,662 |
| Noncurrent loans to loans | 1.1131% | 1,505 |
| Net loans and leases to total assets | 20.1699% | 5,260 |
| Net loans and leases to deposits | 22.4270% | 5,268 |
| Net loans and leases to core deposits | 22.4270% | 5,271 |
| Total domestic deposits to total assets | 89.9355% | 472 |
| Equity capital to assets | 9.8874% | 3,930 |
| Core capital (leverage) ratio | 9.6814% | 3,939 |
| Tier 1 risk-based capital ratio | 36.8839% | 280 |
| Total risk-based capital ratio | 38.1330% | 275 |
| Memoranda: | ||
| Average total assets | $22,700,500 | 5,274 |
| Average earning assets | $19,396,500 | 5,272 |
| Average equity | $2,139,500 | 5,300 |
| Average total loans | $4,547,500 | 5,314 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8082% | 5,291 |
| Cost of funding earning assets | 0.0914% | 5,305 |
| Net interest margin | 2.7168% | 5,086 |
| Noninterest income to average assets | 0.4188% | 3,320 |
| Noninterest expense to average assets | 2.1336% | 4,485 |
| Loan and lease loss provision to assets | 0.1102% | 1,993 |
| Net operating income to assets | 0.4406% | 4,787 |
| Return on assets (ROA) | 0.3747% | 4,895 |
| Pretax return on assets | 0.4540% | 4,869 |
| Return on Equity (ROE) | 4.1150% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.1150% | 3,295 |
| Net charge-offs to loans | 0.7854% | 195 |
| Credit loss provision to net charge-offs | 67.5676% | 3,023 |
| Earnings coverage of net charge-offs (x) | 3.9459% | 3,361 |
| Efficiency ratio | 76.8254% | 1,253 |
| Assets per employee ($millions) | 4.6766% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7476% | 177 |
| Loan loss allowance to noncurrent loans | 127.8351% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 2,869 |
| Noncurrent loans to loans | 2.1493% | 607 |
| Net loans and leases to total assets | 18.7700% | 5,316 |
| Net loans and leases to deposits | 20.6570% | 5,324 |
| Net loans and leases to core deposits | 20.6570% | 5,323 |
| Total domestic deposits to total assets | 90.8652% | 237 |
| Equity capital to assets | 8.9894% | 4,586 |
| Core capital (leverage) ratio | 9.5461% | 4,067 |
| Tier 1 risk-based capital ratio | 36.3606% | 289 |
| Total risk-based capital ratio | 37.6196% | 286 |
| Memoranda: | ||
| Average total assets | $22,684,800 | 5,318 |
| Average earning assets | $19,692,200 | 5,316 |
| Average equity | $2,065,600 | 5,351 |
| Average total loans | $4,710,800 | 5,358 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 5,320 |
| Cost of funding earning assets | 0.0876% | 5,380 |
| Net interest margin | 2.8318% | 5,053 |
| Noninterest income to average assets | 0.3672% | 3,670 |
| Noninterest expense to average assets | 2.1027% | 4,546 |
| Loan and lease loss provision to assets | 0.0888% | 2,196 |
| Net operating income to assets | 0.6373% | 4,405 |
| Return on assets (ROA) | 0.4383% | 4,888 |
| Pretax return on assets | 0.4561% | 4,962 |
| Return on Equity (ROE) | 4.7975% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.7975% | 3,350 |
| Net charge-offs to loans | 1.2325% | 107 |
| Credit loss provision to net charge-offs | 34.0909% | 2,947 |
| Earnings coverage of net charge-offs (x) | 2.8861% | 3,209 |
| Efficiency ratio | 73.6515% | 1,647 |
| Assets per employee ($millions) | 4.3680% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3610% | 282 |
| Loan loss allowance to noncurrent loans | 232.6087% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,800 |
| Noncurrent loans to loans | 1.0150% | 1,690 |
| Net loans and leases to total assets | 20.2610% | 5,382 |
| Net loans and leases to deposits | 22.4130% | 5,391 |
| Net loans and leases to core deposits | 22.4130% | 5,388 |
| Total domestic deposits to total assets | 90.3984% | 381 |
| Equity capital to assets | 9.4597% | 4,116 |
| Core capital (leverage) ratio | 9.8992% | 3,745 |
| Tier 1 risk-based capital ratio | 36.0675% | 298 |
| Total risk-based capital ratio | 37.3078% | 297 |
| Memoranda: | ||
| Average total assets | $22,510,250 | 5,392 |
| Average earning assets | $19,774,750 | 5,386 |
| Average equity | $2,056,500 | 5,422 |
| Average total loans | $4,760,250 | 5,427 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6340% | 5,450 |
| Cost of funding earning assets | 0.0905% | 5,425 |
| Net interest margin | 2.5436% | 5,313 |
| Noninterest income to average assets | 0.5630% | 2,504 |
| Noninterest expense to average assets | 2.0938% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6774% | 4,259 |
| Return on assets (ROA) | 0.6774% | 4,266 |
| Pretax return on assets | 0.6950% | 4,528 |
| Return on Equity (ROE) | 7.5000% | 3,723 |
| Retained earnings to average equity (ytd only) | 7.5000% | 1,842 |
| Net charge-offs to loans | 0.3308% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 2,368 |
| Efficiency ratio | 75.0789% | 1,549 |
| Assets per employee ($millions) | 4.4126% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7474% | 191 |
| Loan loss allowance to noncurrent loans | 196.9231% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 2,706 |
| Noncurrent loans to loans | 1.3951% | 1,212 |
| Net loans and leases to total assets | 20.5366% | 5,440 |
| Net loans and leases to deposits | 22.7129% | 5,453 |
| Net loans and leases to core deposits | 22.7129% | 5,453 |
| Total domestic deposits to total assets | 90.4183% | 427 |
| Equity capital to assets | 9.4457% | 4,156 |
| Core capital (leverage) ratio | 9.7568% | 3,836 |
| Tier 1 risk-based capital ratio | 35.2521% | 328 |
| Total risk-based capital ratio | 36.5007% | 323 |
| Memoranda: | ||
| Average total assets | $22,733,670 | 5,454 |
| Average earning assets | $19,893,330 | 5,449 |
| Average equity | $2,053,330 | 5,485 |
| Average total loans | $4,836,330 | 5,491 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5168% | 5,534 |
| Cost of funding earning assets | 0.0999% | 5,467 |
| Net interest margin | 2.4169% | 5,435 |
| Noninterest income to average assets | 0.6069% | 2,224 |
| Noninterest expense to average assets | 2.0807% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6069% | 4,407 |
| Return on assets (ROA) | 0.6069% | 4,412 |
| Pretax return on assets | 0.6242% | 4,634 |
| Return on Equity (ROE) | 6.8695% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.8695% | 2,338 |
| Net charge-offs to loans | 0.6497% | 230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,297 |
| Efficiency ratio | 76.9231% | 1,470 |
| Assets per employee ($millions) | 4.5196% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6925% | 208 |
| Loan loss allowance to noncurrent loans | 77.1084% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 1,663 |
| Noncurrent loans to loans | 3.4918% | 298 |
| Net loans and leases to total assets | 20.4708% | 5,499 |
| Net loans and leases to deposits | 22.5538% | 5,513 |
| Net loans and leases to core deposits | 22.5538% | 5,512 |
| Total domestic deposits to total assets | 90.7647% | 394 |
| Equity capital to assets | 9.0406% | 4,510 |
| Core capital (leverage) ratio | 9.0306% | 4,650 |
| Tier 1 risk-based capital ratio | 33.1961% | 365 |
| Total risk-based capital ratio | 34.4473% | 358 |
| Memoranda: | ||
| Average total assets | $23,069,000 | 5,509 |
| Average earning assets | $20,025,500 | 5,506 |
| Average equity | $2,038,000 | 5,543 |
| Average total loans | $4,925,000 | 5,554 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4839% | 5,558 |
| Cost of funding earning assets | 0.1100% | 5,458 |
| Net interest margin | 2.3739% | 5,479 |
| Noninterest income to average assets | 0.4421% | 3,357 |
| Noninterest expense to average assets | 2.0794% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3288% | 4,878 |
| Return on assets (ROA) | 0.3371% | 4,881 |
| Pretax return on assets | 0.3546% | 5,148 |
| Return on Equity (ROE) | 3.8343% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.8343% | 2,921 |
| Net charge-offs to loans | 0.1213% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 2,417 |
| Efficiency ratio | 85.7401% | 657 |
| Assets per employee ($millions) | 4.7080% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6688% | 204 |
| Loan loss allowance to noncurrent loans | 65.0718% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 1,406 |
| Noncurrent loans to loans | 4.1013% | 225 |
| Net loans and leases to total assets | 21.0705% | 5,565 |
| Net loans and leases to deposits | 23.1031% | 5,579 |
| Net loans and leases to core deposits | 23.1031% | 5,580 |
| Total domestic deposits to total assets | 91.2022% | 196 |
| Equity capital to assets | 8.6364% | 5,000 |
| Core capital (leverage) ratio | 8.8706% | 4,791 |
| Tier 1 risk-based capital ratio | 31.0813% | 414 |
| Total risk-based capital ratio | 32.3330% | 410 |
| Memoranda: | ||
| Average total assets | $22,843,400 | 5,575 |
| Average earning assets | $19,082,800 | 5,579 |
| Average equity | $2,008,200 | 5,606 |
| Average total loans | $4,944,800 | 5,618 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4831% | 5,622 |
| Cost of funding earning assets | 0.1129% | 5,507 |
| Net interest margin | 2.3703% | 5,544 |
| Noninterest income to average assets | 0.3999% | 3,686 |
| Noninterest expense to average assets | 2.0056% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3532% | 5,101 |
| Return on assets (ROA) | 0.3588% | 5,105 |
| Pretax return on assets | 0.3764% | 5,224 |
| Return on Equity (ROE) | 4.0624% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.0624% | 3,501 |
| Net charge-offs to loans | 0.0544% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 31.4607% | 1,508 |
| Efficiency ratio | 84.4059% | 727 |
| Assets per employee ($millions) | 4.4362% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7608% | 194 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 1,162 |
| Noncurrent loans to loans | 4.9694% | 165 |
| Net loans and leases to total assets | 22.2307% | 5,621 |
| Net loans and leases to deposits | 24.5543% | 5,632 |
| Net loans and leases to core deposits | 24.5543% | 5,635 |
| Total domestic deposits to total assets | 90.5369% | 314 |
| Equity capital to assets | 9.2602% | 4,672 |
| Core capital (leverage) ratio | 9.1397% | 4,583 |
| Tier 1 risk-based capital ratio | 30.7195% | 448 |
| Total risk-based capital ratio | 31.9664% | 448 |
| Memoranda: | ||
| Average total assets | $22,669,250 | 5,641 |
| Average earning assets | $18,900,500 | 5,649 |
| Average equity | $2,002,000 | 5,671 |
| Average total loans | $4,907,000 | 5,682 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4644% | 5,667 |
| Cost of funding earning assets | 0.1062% | 5,577 |
| Net interest margin | 2.3581% | 5,590 |
| Noninterest income to average assets | 0.3854% | 3,789 |
| Noninterest expense to average assets | 2.0147% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2983% | 5,226 |
| Return on assets (ROA) | 0.3066% | 5,227 |
| Pretax return on assets | 0.3241% | 5,305 |
| Return on Equity (ROE) | 3.5270% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.5270% | 3,610 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4662% | 659 |
| Assets per employee ($millions) | 4.4494% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8309% | 194 |
| Loan loss allowance to noncurrent loans | 66.9811% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 1,448 |
| Noncurrent loans to loans | 4.2265% | 214 |
| Net loans and leases to total assets | 21.9086% | 5,674 |
| Net loans and leases to deposits | 24.1502% | 5,684 |
| Net loans and leases to core deposits | 24.1502% | 5,690 |
| Total domestic deposits to total assets | 90.7178% | 294 |
| Equity capital to assets | 9.1068% | 4,797 |
| Core capital (leverage) ratio | 9.2930% | 4,374 |
| Tier 1 risk-based capital ratio | 30.3883% | 448 |
| Total risk-based capital ratio | 31.6376% | 449 |
| Memoranda: | ||
| Average total assets | $22,832,000 | 5,683 |
| Average earning assets | $18,828,330 | 5,699 |
| Average equity | $1,984,670 | 5,719 |
| Average total loans | $4,852,330 | 5,732 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4975% | 5,720 |
| Cost of funding earning assets | 0.1067% | 5,631 |
| Net interest margin | 2.3907% | 5,623 |
| Noninterest income to average assets | 0.3978% | 3,675 |
| Noninterest expense to average assets | 1.9373% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3812% | 5,001 |
| Return on assets (ROA) | 0.3978% | 4,975 |
| Pretax return on assets | 0.4151% | 5,137 |
| Return on Equity (ROE) | 4.6843% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.6843% | 3,064 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9630% | 1,066 |
| Assets per employee ($millions) | 4.4890% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0053% | 176 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 1,438 |
| Noncurrent loans to loans | 4.5079% | 201 |
| Net loans and leases to total assets | 20.4188% | 5,747 |
| Net loans and leases to deposits | 22.4514% | 5,758 |
| Net loans and leases to core deposits | 22.4514% | 5,758 |
| Total domestic deposits to total assets | 90.9468% | 316 |
| Equity capital to assets | 8.8661% | 4,939 |
| Core capital (leverage) ratio | 9.1819% | 4,505 |
| Tier 1 risk-based capital ratio | 32.1037% | 411 |
| Total risk-based capital ratio | 33.3598% | 402 |
| Memoranda: | ||
| Average total assets | $23,124,500 | 5,749 |
| Average earning assets | $18,739,000 | 5,766 |
| Average equity | $1,964,000 | 5,787 |
| Average total loans | $4,770,500 | 5,801 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5425% | 5,743 |
| Cost of funding earning assets | 0.1158% | 5,630 |
| Net interest margin | 2.4266% | 5,627 |
| Noninterest income to average assets | 0.4590% | 3,486 |
| Noninterest expense to average assets | 2.0455% | 5,103 |
| Loan and lease loss provision to assets | 0.0446% | 3,495 |
| Net operating income to assets | 0.3931% | 4,965 |
| Return on assets (ROA) | 0.4055% | 5,006 |
| Pretax return on assets | 0.4367% | 5,145 |
| Return on Equity (ROE) | 4.6743% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.6743% | 2,567 |
| Net charge-offs to loans | 0.7687% | 270 |
| Credit loss provision to net charge-offs | 26.3158% | 3,618 |
| Earnings coverage of net charge-offs (x) | 2.7632% | 3,776 |
| Efficiency ratio | 81.3830% | 1,271 |
| Assets per employee ($millions) | 4.7608% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9485% | 184 |
| Loan loss allowance to noncurrent loans | 489.6552% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 3,742 |
| Noncurrent loans to loans | 0.6022% | 3,046 |
| Net loans and leases to total assets | 19.6354% | 5,807 |
| Net loans and leases to deposits | 21.4119% | 5,820 |
| Net loans and leases to core deposits | 21.4119% | 5,824 |
| Total domestic deposits to total assets | 91.7031% | 136 |
| Equity capital to assets | 8.1415% | 5,495 |
| Core capital (leverage) ratio | 8.6063% | 5,168 |
| Tier 1 risk-based capital ratio | 31.0621% | 436 |
| Total risk-based capital ratio | 32.3108% | 433 |
| Memoranda: | ||
| Average total assets | $22,439,800 | 5,813 |
| Average earning assets | $18,997,400 | 5,821 |
| Average equity | $1,946,800 | 5,848 |
| Average total loans | $4,943,400 | 5,857 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5448% | 5,810 |
| Cost of funding earning assets | 0.1192% | 5,680 |
| Net interest margin | 2.4256% | 5,701 |
| Noninterest income to average assets | 0.4344% | 3,663 |
| Noninterest expense to average assets | 2.0332% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4713% | 4,800 |
| Return on assets (ROA) | 0.4887% | 4,828 |
| Pretax return on assets | 0.5068% | 5,109 |
| Return on Equity (ROE) | 5.5413% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.5413% | 2,460 |
| Net charge-offs to loans | 0.0804% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,580 |
| Efficiency ratio | 80.6220% | 1,355 |
| Assets per employee ($millions) | 4.2926% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3353% | 133 |
| Loan loss allowance to noncurrent loans | 149.1071% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 3,090 |
| Noncurrent loans to loans | 2.2369% | 829 |
| Net loans and leases to total assets | 22.5504% | 5,841 |
| Net loans and leases to deposits | 24.9176% | 5,858 |
| Net loans and leases to core deposits | 24.9176% | 5,872 |
| Total domestic deposits to total assets | 90.4999% | 322 |
| Equity capital to assets | 9.2298% | 4,944 |
| Core capital (leverage) ratio | 9.1823% | 4,615 |
| Tier 1 risk-based capital ratio | 30.2074% | 474 |
| Total risk-based capital ratio | 31.4730% | 472 |
| Memoranda: | ||
| Average total assets | $22,098,750 | 5,879 |
| Average earning assets | $19,019,000 | 5,880 |
| Average equity | $1,949,000 | 5,911 |
| Average total loans | $4,975,250 | 5,922 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5483% | 5,887 |
| Cost of funding earning assets | 0.1154% | 5,779 |
| Net interest margin | 2.4329% | 5,781 |
| Noninterest income to average assets | 0.4213% | 3,725 |
| Noninterest expense to average assets | 1.9990% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4849% | 4,743 |
| Return on assets (ROA) | 0.5110% | 4,748 |
| Pretax return on assets | 0.5289% | 5,077 |
| Return on Equity (ROE) | 5.8814% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.8814% | 2,198 |
| Net charge-offs to loans | 0.1209% | 1,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,812 |
| Efficiency ratio | 79.9283% | 1,502 |
| Assets per employee ($millions) | 4.1468% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4362% | 132 |
| Loan loss allowance to noncurrent loans | 491.1765% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,473 |
| Noncurrent loans to loans | 0.6996% | 2,981 |
| Net loans and leases to total assets | 22.6343% | 5,909 |
| Net loans and leases to deposits | 25.1352% | 5,933 |
| Net loans and leases to core deposits | 25.1352% | 5,944 |
| Total domestic deposits to total assets | 90.0502% | 472 |
| Equity capital to assets | 9.5833% | 4,689 |
| Core capital (leverage) ratio | 8.7759% | 5,087 |
| Tier 1 risk-based capital ratio | 30.3407% | 481 |
| Total risk-based capital ratio | 31.6011% | 478 |
| Memoranda: | ||
| Average total assets | $22,310,670 | 5,950 |
| Average earning assets | $19,071,670 | 5,952 |
| Average equity | $1,938,330 | 5,987 |
| Average total loans | $4,964,670 | 5,999 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5464% | 5,954 |
| Cost of funding earning assets | 0.1252% | 5,785 |
| Net interest margin | 2.4212% | 5,870 |
| Noninterest income to average assets | 0.4156% | 3,714 |
| Noninterest expense to average assets | 1.9395% | 5,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4676% | 4,749 |
| Return on assets (ROA) | 0.4676% | 4,841 |
| Pretax return on assets | 0.4849% | 5,124 |
| Return on Equity (ROE) | 5.6426% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.6426% | 2,561 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,606 |
| Assets per employee ($millions) | 4.5320% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4616% | 144 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 4,567 |
| Noncurrent loans to loans | 0.7127% | 3,056 |
| Net loans and leases to total assets | 20.9223% | 5,979 |
| Net loans and leases to deposits | 22.9411% | 5,997 |
| Net loans and leases to core deposits | 22.9411% | 6,011 |
| Total domestic deposits to total assets | 91.2004% | 217 |
| Equity capital to assets | 8.5525% | 5,530 |
| Core capital (leverage) ratio | 8.2651% | 5,599 |
| Tier 1 risk-based capital ratio | 30.3619% | 493 |
| Total risk-based capital ratio | 31.6309% | 480 |
| Memoranda: | ||
| Average total assets | $23,099,000 | 5,997 |
| Average earning assets | $19,164,000 | 6,012 |
| Average equity | $1,914,000 | 6,052 |
| Average total loans | $5,017,000 | 6,060 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6564% | 5,947 |
| Cost of funding earning assets | 0.1320% | 5,802 |
| Net interest margin | 2.5244% | 5,814 |
| Noninterest income to average assets | 0.3913% | 4,098 |
| Noninterest expense to average assets | 2.2271% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3368% | 5,251 |
| Return on assets (ROA) | 0.3623% | 5,254 |
| Pretax return on assets | 0.4106% | 5,298 |
| Return on Equity (ROE) | 4.0292% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.0292% | 3,154 |
| Net charge-offs to loans | 0.0997% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 2,177 |
| Efficiency ratio | 85.3704% | 1,054 |
| Assets per employee ($millions) | 4.7076% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3184% | 157 |
| Loan loss allowance to noncurrent loans | 114.0940% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 2,882 |
| Noncurrent loans to loans | 2.9085% | 567 |
| Net loans and leases to total assets | 21.0426% | 6,037 |
| Net loans and leases to deposits | 22.9157% | 6,060 |
| Net loans and leases to core deposits | 22.9157% | 6,071 |
| Total domestic deposits to total assets | 91.8260% | 126 |
| Equity capital to assets | 8.0296% | 5,840 |
| Core capital (leverage) ratio | 8.5687% | 5,357 |
| Tier 1 risk-based capital ratio | 29.6983% | 518 |
| Total risk-based capital ratio | 30.9711% | 508 |
| Memoranda: | ||
| Average total assets | $20,699,400 | 6,086 |
| Average earning assets | $18,182,800 | 6,079 |
| Average equity | $1,861,400 | 6,115 |
| Average total loans | $5,013,200 | 6,119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6773% | 6,028 |
| Cost of funding earning assets | 0.1401% | 5,848 |
| Net interest margin | 2.5372% | 5,891 |
| Noninterest income to average assets | 0.3602% | 4,355 |
| Noninterest expense to average assets | 2.3278% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2912% | 5,478 |
| Return on assets (ROA) | 0.3268% | 5,462 |
| Pretax return on assets | 0.3668% | 5,535 |
| Return on Equity (ROE) | 3.5233% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,959 |
| Net charge-offs to loans | 0.1069% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.2570% | 2,420 |
| Efficiency ratio | 87.6884% | 877 |
| Assets per employee ($millions) | 3.9118% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5048% | 148 |
| Loan loss allowance to noncurrent loans | 134.6457% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 2,985 |
| Noncurrent loans to loans | 2.6030% | 759 |
| Net loans and leases to total assets | 24.0708% | 6,093 |
| Net loans and leases to deposits | 26.7060% | 6,120 |
| Net loans and leases to core deposits | 26.7060% | 6,130 |
| Total domestic deposits to total assets | 90.1324% | 522 |
| Equity capital to assets | 9.6068% | 4,626 |
| Core capital (leverage) ratio | 9.4025% | 4,440 |
| Tier 1 risk-based capital ratio | 30.4835% | 496 |
| Total risk-based capital ratio | 31.7651% | 489 |
| Memoranda: | ||
| Average total assets | $19,989,750 | 6,178 |
| Average earning assets | $18,077,500 | 6,166 |
| Average equity | $1,854,250 | 6,201 |
| Average total loans | $4,985,750 | 6,203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6526% | 6,100 |
| Cost of funding earning assets | 0.1315% | 5,974 |
| Net interest margin | 2.5211% | 5,944 |
| Noninterest income to average assets | 0.4470% | 3,728 |
| Noninterest expense to average assets | 2.2649% | 4,940 |
| Loan and lease loss provision to assets | 0.0397% | 3,323 |
| Net operating income to assets | 0.3834% | 5,193 |
| Return on assets (ROA) | 0.4371% | 5,112 |
| Pretax return on assets | 0.4868% | 5,265 |
| Return on Equity (ROE) | 4.7671% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.7671% | 3,013 |
| Net charge-offs to loans | 0.4780% | 531 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 3,120 |
| Efficiency ratio | 82.9091% | 1,387 |
| Assets per employee ($millions) | 3.8776% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3313% | 188 |
| Loan loss allowance to noncurrent loans | 124.6269% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 2,922 |
| Noncurrent loans to loans | 2.6731% | 814 |
| Net loans and leases to total assets | 24.9948% | 6,146 |
| Net loans and leases to deposits | 28.1695% | 6,167 |
| Net loans and leases to core deposits | 28.1695% | 6,178 |
| Total domestic deposits to total assets | 88.7301% | 1,279 |
| Equity capital to assets | 9.5523% | 4,594 |
| Core capital (leverage) ratio | 9.0258% | 4,927 |
| Tier 1 risk-based capital ratio | 28.9919% | 591 |
| Total risk-based capital ratio | 30.2599% | 584 |
| Memoranda: | ||
| Average total assets | $20,133,330 | 6,255 |
| Average earning assets | $18,246,330 | 6,239 |
| Average equity | $1,846,000 | 6,273 |
| Average total loans | $5,021,330 | 6,276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6433% | 6,157 |
| Cost of funding earning assets | 0.1322% | 6,045 |
| Net interest margin | 2.5112% | 6,003 |
| Noninterest income to average assets | 0.4291% | 3,767 |
| Noninterest expense to average assets | 2.1457% | 5,287 |
| Loan and lease loss provision to assets | 0.0780% | 2,397 |
| Net operating income to assets | 0.4291% | 4,947 |
| Return on assets (ROA) | 0.5072% | 4,769 |
| Pretax return on assets | 0.5072% | 5,165 |
| Return on Equity (ROE) | 5.6430% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.6430% | 2,684 |
| Net charge-offs to loans | 0.2388% | 998 |
| Credit loss provision to net charge-offs | 133.3333% | 1,348 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,070 |
| Efficiency ratio | 80.8824% | 1,771 |
| Assets per employee ($millions) | 4.0924% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5860% | 173 |
| Loan loss allowance to noncurrent loans | 926.3158% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 5,065 |
| Noncurrent loans to loans | 0.3871% | 4,432 |
| Net loans and leases to total assets | 23.1258% | 6,232 |
| Net loans and leases to deposits | 25.5191% | 6,258 |
| Net loans and leases to core deposits | 25.5191% | 6,266 |
| Total domestic deposits to total assets | 90.6216% | 489 |
| Equity capital to assets | 9.1145% | 5,177 |
| Core capital (leverage) ratio | 8.9560% | 5,003 |
| Tier 1 risk-based capital ratio | 30.0661% | 536 |
| Total risk-based capital ratio | 31.3397% | 530 |
| Memoranda: | ||
| Average total assets | $20,506,000 | 6,317 |
| Average earning assets | $18,159,000 | 6,307 |
| Average equity | $1,843,000 | 6,335 |
| Average total loans | $5,025,500 | 6,345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7293% | 6,246 |
| Cost of funding earning assets | 0.1507% | 6,098 |
| Net interest margin | 2.5786% | 6,094 |
| Noninterest income to average assets | 0.5109% | 3,423 |
| Noninterest expense to average assets | 2.3531% | 4,967 |
| Loan and lease loss provision to assets | 0.0206% | 4,202 |
| Net operating income to assets | 0.4335% | 5,096 |
| Return on assets (ROA) | 0.5109% | 4,854 |
| Pretax return on assets | 0.5109% | 5,221 |
| Return on Equity (ROE) | 5.6212% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.6212% | 2,185 |
| Net charge-offs to loans | 0.7618% | 471 |
| Credit loss provision to net charge-offs | 10.2564% | 4,102 |
| Earnings coverage of net charge-offs (x) | 2.2564% | 4,210 |
| Efficiency ratio | 83.8235% | 1,433 |
| Assets per employee ($millions) | 4.1100% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4027% | 199 |
| Loan loss allowance to noncurrent loans | 875.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 5,131 |
| Noncurrent loans to loans | 0.3889% | 4,477 |
| Net loans and leases to total assets | 24.1752% | 6,311 |
| Net loans and leases to deposits | 26.5683% | 6,337 |
| Net loans and leases to core deposits | 26.5683% | 6,348 |
| Total domestic deposits to total assets | 90.9927% | 369 |
| Equity capital to assets | 8.8613% | 5,419 |
| Core capital (leverage) ratio | 9.1564% | 4,742 |
| Tier 1 risk-based capital ratio | 23.3107% | 1,032 |
| Total risk-based capital ratio | 24.5673% | 1,008 |
| Memoranda: | ||
| Average total assets | $19,378,800 | 6,422 |
| Average earning assets | $17,257,200 | 6,407 |
| Average equity | $1,761,200 | 6,433 |
| Average total loans | $5,119,200 | 6,433 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7382% | 6,316 |
| Cost of funding earning assets | 0.1482% | 6,196 |
| Net interest margin | 2.5900% | 6,146 |
| Noninterest income to average assets | 0.4680% | 3,747 |
| Noninterest expense to average assets | 2.2774% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4689% | 4,999 |
| Return on assets (ROA) | 0.5588% | 4,711 |
| Pretax return on assets | 0.6077% | 5,003 |
| Return on Equity (ROE) | 6.1079% | 4,177 |
| Retained earnings to average equity (ytd only) | 6.1079% | 2,341 |
| Net charge-offs to loans | 1.0170% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.8717% | 4,055 |
| Efficiency ratio | 81.7043% | 1,659 |
| Assets per employee ($millions) | 3.8086% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5192% | 224 |
| Loan loss allowance to noncurrent loans | 294.8276% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 4,586 |
| Noncurrent loans to loans | 1.1937% | 2,663 |
| Net loans and leases to total assets | 24.6180% | 6,376 |
| Net loans and leases to deposits | 27.2511% | 6,405 |
| Net loans and leases to core deposits | 27.2511% | 6,418 |
| Total domestic deposits to total assets | 90.3377% | 601 |
| Equity capital to assets | 9.4628% | 4,839 |
| Core capital (leverage) ratio | 9.3664% | 4,551 |
| Tier 1 risk-based capital ratio | 24.5430% | 930 |
| Total risk-based capital ratio | 25.8117% | 914 |
| Memoranda: | ||
| Average total assets | $19,086,000 | 6,504 |
| Average earning assets | $17,091,250 | 6,488 |
| Average equity | $1,746,250 | 6,510 |
| Average total loans | $5,113,250 | 6,512 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6420% | 6,425 |
| Cost of funding earning assets | 0.1391% | 6,317 |
| Net interest margin | 2.5030% | 6,273 |
| Noninterest income to average assets | 0.4503% | 3,870 |
| Noninterest expense to average assets | 2.1989% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4618% | 4,966 |
| Return on assets (ROA) | 0.4712% | 5,002 |
| Pretax return on assets | 0.5236% | 5,209 |
| Return on Equity (ROE) | 5.2093% | 4,578 |
| Retained earnings to average equity (ytd only) | 5.2093% | 2,824 |
| Net charge-offs to loans | 0.5771% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,356 |
| Efficiency ratio | 81.0811% | 1,866 |
| Assets per employee ($millions) | 3.7622% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9243% | 181 |
| Loan loss allowance to noncurrent loans | 85.5263% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 2,425 |
| Noncurrent loans to loans | 4.5884% | 470 |
| Net loans and leases to total assets | 25.3788% | 6,427 |
| Net loans and leases to deposits | 28.0724% | 6,458 |
| Net loans and leases to core deposits | 28.0724% | 6,472 |
| Total domestic deposits to total assets | 90.4046% | 619 |
| Equity capital to assets | 9.4200% | 4,822 |
| Core capital (leverage) ratio | 9.2409% | 4,680 |
| Tier 1 risk-based capital ratio | 24.0098% | 986 |
| Total risk-based capital ratio | 25.2756% | 965 |
| Memoranda: | ||
| Average total assets | $19,100,330 | 6,569 |
| Average earning assets | $17,259,330 | 6,549 |
| Average equity | $1,727,670 | 6,572 |
| Average total loans | $5,198,000 | 6,576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7315% | 6,439 |
| Cost of funding earning assets | 0.1138% | 6,514 |
| Net interest margin | 2.6177% | 6,213 |
| Noninterest income to average assets | 0.3741% | 4,393 |
| Noninterest expense to average assets | 2.2447% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4598% | 4,898 |
| Return on assets (ROA) | 0.4780% | 4,870 |
| Pretax return on assets | 0.5404% | 5,045 |
| Return on Equity (ROE) | 5.3943% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.3943% | 2,856 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2030% | 2,030 |
| Assets per employee ($millions) | 3.7564% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1625% | 167 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 2,583 |
| Noncurrent loans to loans | 4.5788% | 516 |
| Net loans and leases to total assets | 25.7427% | 6,474 |
| Net loans and leases to deposits | 28.3961% | 6,506 |
| Net loans and leases to core deposits | 28.3961% | 6,521 |
| Total domestic deposits to total assets | 90.6559% | 707 |
| Equity capital to assets | 9.1843% | 4,886 |
| Core capital (leverage) ratio | 8.8656% | 5,183 |
| Tier 1 risk-based capital ratio | 23.0484% | 1,137 |
| Total risk-based capital ratio | 24.3186% | 1,125 |
| Memoranda: | ||
| Average total assets | $19,245,000 | 6,640 |
| Average earning assets | $17,573,000 | 6,618 |
| Average equity | $1,705,500 | 6,641 |
| Average total loans | $5,312,500 | 6,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7804% | 6,506 |
| Cost of funding earning assets | 0.1376% | 6,581 |
| Net interest margin | 2.6428% | 6,211 |
| Noninterest income to average assets | 0.3587% | 4,734 |
| Noninterest expense to average assets | 2.2754% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3764% | 5,238 |
| Return on assets (ROA) | 0.5637% | 4,556 |
| Pretax return on assets | 0.6662% | 4,649 |
| Return on Equity (ROE) | 6.5181% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.5181% | 1,674 |
| Net charge-offs to loans | -0.0190% | 6,131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6158% | 1,674 |
| Assets per employee ($millions) | 3.9416% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7634% | 235 |
| Loan loss allowance to noncurrent loans | 89.7436% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 2,780 |
| Noncurrent loans to loans | 4.1935% | 669 |
| Net loans and leases to total assets | 27.2478% | 6,540 |
| Net loans and leases to deposits | 29.8317% | 6,587 |
| Net loans and leases to core deposits | 29.8317% | 6,603 |
| Total domestic deposits to total assets | 91.3385% | 458 |
| Equity capital to assets | 8.5549% | 5,520 |
| Core capital (leverage) ratio | 8.6792% | 5,437 |
| Tier 1 risk-based capital ratio | 21.2144% | 1,384 |
| Total risk-based capital ratio | 22.4855% | 1,361 |
| Memoranda: | ||
| Average total assets | $19,513,200 | 6,708 |
| Average earning assets | $17,443,600 | 6,696 |
| Average equity | $1,687,600 | 6,733 |
| Average total loans | $5,254,200 | 6,728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7586% | 6,597 |
| Cost of funding earning assets | 0.1307% | 6,698 |
| Net interest margin | 2.6280% | 6,283 |
| Noninterest income to average assets | 0.3151% | 5,181 |
| Noninterest expense to average assets | 2.1166% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5411% | 4,617 |
| Return on assets (ROA) | 0.8220% | 3,361 |
| Pretax return on assets | 0.8220% | 4,214 |
| Return on Equity (ROE) | 9.4787% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.4787% | 911 |
| Net charge-offs to loans | -0.1289% | 6,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6392% | 2,157 |
| Assets per employee ($millions) | 3.7450% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0785% | 220 |
| Loan loss allowance to noncurrent loans | 88.7967% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 2,808 |
| Noncurrent loans to loans | 4.5931% | 697 |
| Net loans and leases to total assets | 26.8785% | 6,630 |
| Net loans and leases to deposits | 29.6059% | 6,673 |
| Net loans and leases to core deposits | 29.6059% | 6,688 |
| Total domestic deposits to total assets | 90.7877% | 619 |
| Equity capital to assets | 9.1268% | 5,017 |
| Core capital (leverage) ratio | 8.9526% | 5,198 |
| Tier 1 risk-based capital ratio | 22.3053% | 1,260 |
| Total risk-based capital ratio | 23.5688% | 1,233 |
| Memoranda: | ||
| Average total assets | $19,464,500 | 6,784 |
| Average earning assets | $17,351,000 | 6,773 |
| Average equity | $1,688,000 | 6,811 |
| Average total loans | $5,172,750 | 6,809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7406% | 6,640 |
| Cost of funding earning assets | 0.1272% | 6,762 |
| Net interest margin | 2.6134% | 6,322 |
| Noninterest income to average assets | 0.2841% | 5,414 |
| Noninterest expense to average assets | 2.0902% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4870% | 4,855 |
| Return on assets (ROA) | 0.9030% | 2,923 |
| Pretax return on assets | 0.9030% | 3,899 |
| Return on Equity (ROE) | 10.5889% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.5889% | 727 |
| Net charge-offs to loans | -0.1943% | 6,655 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1024% | 2,013 |
| Assets per employee ($millions) | 3.8210% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1879% | 220 |
| Loan loss allowance to noncurrent loans | 88.7967% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 3,005 |
| Noncurrent loans to loans | 4.7162% | 717 |
| Net loans and leases to total assets | 25.6268% | 6,689 |
| Net loans and leases to deposits | 28.0847% | 6,735 |
| Net loans and leases to core deposits | 28.0847% | 6,750 |
| Total domestic deposits to total assets | 91.2484% | 462 |
| Equity capital to assets | 8.6941% | 5,560 |
| Core capital (leverage) ratio | 8.5458% | 5,615 |
| Tier 1 risk-based capital ratio | 22.4676% | 1,208 |
| Total risk-based capital ratio | 23.7371% | 1,190 |
| Memoranda: | ||
| Average total assets | $19,711,000 | 6,829 |
| Average earning assets | $17,295,330 | 6,820 |
| Average equity | $1,681,000 | 6,860 |
| Average total loans | $5,148,000 | 6,859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7525% | 6,706 |
| Cost of funding earning assets | 0.1147% | 6,878 |
| Net interest margin | 2.6378% | 6,314 |
| Noninterest income to average assets | 0.2998% | 5,301 |
| Noninterest expense to average assets | 2.1785% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4197% | 5,048 |
| Return on assets (ROA) | 0.4197% | 5,201 |
| Pretax return on assets | 0.4197% | 5,502 |
| Return on Equity (ROE) | 4.9675% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.9675% | 3,255 |
| Net charge-offs to loans | -0.1548% | 6,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8462% | 1,788 |
| Assets per employee ($millions) | 3.3920% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2575% | 235 |
| Loan loss allowance to noncurrent loans | 87.5519% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.3168% | 3,323 |
| Noncurrent loans to loans | 4.8628% | 795 |
| Net loans and leases to total assets | 23.3147% | 6,790 |
| Net loans and leases to deposits | 25.5135% | 6,834 |
| Net loans and leases to core deposits | 25.5135% | 6,847 |
| Total domestic deposits to total assets | 91.3817% | 386 |
| Equity capital to assets | 8.3432% | 6,157 |
| Core capital (leverage) ratio | 8.0919% | 6,056 |
| Tier 1 risk-based capital ratio | 21.5115% | 1,423 |
| Total risk-based capital ratio | 22.7776% | 1,392 |
| Memoranda: | ||
| Average total assets | $20,014,000 | 6,897 |
| Average earning assets | $17,439,000 | 6,890 |
| Average equity | $1,691,000 | 6,928 |
| Average total loans | $5,167,000 | 6,930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 6,656 |
| Cost of funding earning assets | 0.1239% | 6,970 |
| Net interest margin | 3.0862% | 5,850 |
| Noninterest income to average assets | 0.4586% | 4,185 |
| Noninterest expense to average assets | 2.7569% | 4,189 |
| Loan and lease loss provision to assets | 0.0960% | 4,454 |
| Net operating income to assets | 0.2388% | 5,670 |
| Return on assets (ROA) | 0.3893% | 5,379 |
| Pretax return on assets | 0.4266% | 5,495 |
| Return on Equity (ROE) | 4.4040% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.4040% | 3,131 |
| Net charge-offs to loans | 0.3399% | 2,936 |
| Credit loss provision to net charge-offs | 105.8824% | 2,807 |
| Earnings coverage of net charge-offs (x) | 3.9412% | 3,535 |
| Efficiency ratio | 88.5274% | 1,192 |
| Assets per employee ($millions) | 3.2793% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8862% | 312 |
| Loan loss allowance to noncurrent loans | 86.7220% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 3,340 |
| Noncurrent loans to loans | 4.4812% | 955 |
| Net loans and leases to total assets | 26.2706% | 6,805 |
| Net loans and leases to deposits | 28.8240% | 6,857 |
| Net loans and leases to core deposits | 28.8240% | 6,869 |
| Total domestic deposits to total assets | 91.1415% | 447 |
| Equity capital to assets | 8.5587% | 6,003 |
| Core capital (leverage) ratio | 8.3615% | 5,810 |
| Tier 1 risk-based capital ratio | 20.9091% | 1,485 |
| Total risk-based capital ratio | 22.1818% | 1,451 |
| Memoranda: | ||
| Average total assets | $18,752,800 | 6,978 |
| Average earning assets | $16,136,400 | 6,976 |
| Average equity | $1,657,600 | 7,004 |
| Average total loans | $5,001,600 | 7,004 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 6,739 |
| Cost of funding earning assets | 0.1254% | 7,080 |
| Net interest margin | 3.1601% | 5,797 |
| Noninterest income to average assets | 0.2807% | 5,530 |
| Noninterest expense to average assets | 2.8578% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1440% | 6,043 |
| Return on assets (ROA) | 0.3600% | 5,607 |
| Pretax return on assets | 0.3600% | 5,814 |
| Return on Equity (ROE) | 4.0382% | 5,276 |
| Retained earnings to average equity (ytd only) | 4.0382% | 4,046 |
| Net charge-offs to loans | 0.4619% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.1764% | 4,712 |
| Efficiency ratio | 95.2038% | 703 |
| Assets per employee ($millions) | 3.0463% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9742% | 317 |
| Loan loss allowance to noncurrent loans | 66.5505% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 2,662 |
| Noncurrent loans to loans | 5.9717% | 685 |
| Net loans and leases to total assets | 25.2489% | 6,936 |
| Net loans and leases to deposits | 27.9985% | 6,984 |
| Net loans and leases to core deposits | 27.9985% | 6,992 |
| Total domestic deposits to total assets | 90.1795% | 745 |
| Equity capital to assets | 9.2078% | 5,587 |
| Core capital (leverage) ratio | 8.5897% | 5,635 |
| Tier 1 risk-based capital ratio | 14.6797% | 4,064 |
| Total risk-based capital ratio | 15.9385% | 4,021 |
| Memoranda: | ||
| Average total assets | $18,522,000 | 7,074 |
| Average earning assets | $15,948,500 | 7,071 |
| Average equity | $1,651,000 | 7,100 |
| Average total loans | $4,907,500 | 7,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 6,783 |
| Cost of funding earning assets | 0.1251% | 7,154 |
| Net interest margin | 3.2158% | 5,688 |
| Noninterest income to average assets | 0.2580% | 5,729 |
| Noninterest expense to average assets | 2.6877% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3333% | 5,487 |
| Return on assets (ROA) | 0.5590% | 4,825 |
| Pretax return on assets | 0.5590% | 5,281 |
| Return on Equity (ROE) | 6.3402% | 4,136 |
| Retained earnings to average equity (ytd only) | 6.3402% | 2,478 |
| Net charge-offs to loans | 0.3643% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 3,371 |
| Efficiency ratio | 88.9680% | 1,151 |
| Assets per employee ($millions) | 3.0913% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2206% | 296 |
| Loan loss allowance to noncurrent loans | 66.3333% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.0649% | 2,704 |
| Noncurrent loans to loans | 6.3627% | 669 |
| Net loans and leases to total assets | 24.3476% | 7,025 |
| Net loans and leases to deposits | 26.9371% | 7,057 |
| Net loans and leases to core deposits | 26.9371% | 7,072 |
| Total domestic deposits to total assets | 90.3871% | 720 |
| Equity capital to assets | 9.0468% | 5,654 |
| Core capital (leverage) ratio | 8.4793% | 5,674 |
| Tier 1 risk-based capital ratio | 15.8325% | 3,258 |
| Total risk-based capital ratio | 17.0887% | 3,222 |
| Memoranda: | ||
| Average total assets | $18,603,330 | 7,132 |
| Average earning assets | $15,983,670 | 7,130 |
| Average equity | $1,640,330 | 7,157 |
| Average total loans | $4,941,330 | 7,159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 6,810 |
| Cost of funding earning assets | 0.1242% | 7,221 |
| Net interest margin | 3.2778% | 5,544 |
| Noninterest income to average assets | 0.2791% | 5,633 |
| Noninterest expense to average assets | 2.9843% | 3,312 |
| Loan and lease loss provision to assets | 0.0859% | 4,307 |
| Net operating income to assets | 0.0429% | 6,348 |
| Return on assets (ROA) | 0.0429% | 6,465 |
| Pretax return on assets | 0.0429% | 6,463 |
| Return on Equity (ROE) | 0.4934% | 6,444 |
| Retained earnings to average equity (ytd only) | 0.4934% | 5,843 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8621% | 726 |
| Assets per employee ($millions) | 3.1012% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3983% | 266 |
| Loan loss allowance to noncurrent loans | 67.9487% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 2,756 |
| Noncurrent loans to loans | 6.4730% | 738 |
| Net loans and leases to total assets | 24.7649% | 7,065 |
| Net loans and leases to deposits | 27.3245% | 7,104 |
| Net loans and leases to core deposits | 27.3245% | 7,114 |
| Total domestic deposits to total assets | 90.6326% | 729 |
| Equity capital to assets | 8.7386% | 5,824 |
| Core capital (leverage) ratio | 8.0549% | 6,208 |
| Tier 1 risk-based capital ratio | 14.9161% | 3,812 |
| Total risk-based capital ratio | 16.1769% | 3,769 |
| Memoranda: | ||
| Average total assets | $18,631,000 | 7,189 |
| Average earning assets | $16,108,500 | 7,189 |
| Average equity | $1,621,500 | 7,214 |
| Average total loans | $5,054,500 | 7,218 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 6,612 |
| Cost of funding earning assets | 0.2199% | 7,214 |
| Net interest margin | 3.6820% | 4,380 |
| Noninterest income to average assets | -0.0346% | 7,047 |
| Noninterest expense to average assets | 2.7700% | 4,473 |
| Loan and lease loss provision to assets | 0.5816% | 1,779 |
| Net operating income to assets | -0.3974% | 6,416 |
| Return on assets (ROA) | -0.2592% | 6,365 |
| Pretax return on assets | -0.2592% | 6,328 |
| Return on Equity (ROE) | -2.7853% | 6,388 |
| Retained earnings to average equity (ytd only) | -2.7853% | 6,241 |
| Net charge-offs to loans | -0.0542% | 7,064 |
| Credit loss provision to net charge-offs | -3,366.6667% | 6,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7622% | 937 |
| Assets per employee ($millions) | 3.1092% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9327% | 400 |
| Loan loss allowance to noncurrent loans | 44.2553% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.9644% | 2,026 |
| Noncurrent loans to loans | 8.8864% | 402 |
| Net loans and leases to total assets | 27.2367% | 7,085 |
| Net loans and leases to deposits | 30.0225% | 7,132 |
| Net loans and leases to core deposits | 30.0225% | 7,155 |
| Total domestic deposits to total assets | 90.7210% | 616 |
| Equity capital to assets | 8.6679% | 5,937 |
| Core capital (leverage) ratio | 7.8132% | 6,427 |
| Tier 1 risk-based capital ratio | 13.8879% | 4,407 |
| Total risk-based capital ratio | 15.1447% | 4,361 |
| Memoranda: | ||
| Average total assets | $17,364,400 | 7,254 |
| Average earning assets | $14,095,600 | 7,262 |
| Average equity | $1,615,600 | 7,270 |
| Average total loans | $5,532,200 | 7,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 6,556 |
| Cost of funding earning assets | 0.2665% | 7,263 |
| Net interest margin | 3.7502% | 4,107 |
| Noninterest income to average assets | -0.3129% | 7,301 |
| Noninterest expense to average assets | 2.7539% | 4,519 |
| Loan and lease loss provision to assets | 0.2112% | 3,915 |
| Net operating income to assets | -0.3051% | 6,503 |
| Return on assets (ROA) | -0.1174% | 6,384 |
| Pretax return on assets | -0.1174% | 6,349 |
| Return on Equity (ROE) | -1.2382% | 6,405 |
| Retained earnings to average equity (ytd only) | -1.2382% | 6,191 |
| Net charge-offs to loans | -0.2861% | 7,298 |
| Credit loss provision to net charge-offs | -225.0000% | 6,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5294% | 566 |
| Assets per employee ($millions) | 3.2655% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6895% | 1,139 |
| Loan loss allowance to noncurrent loans | 28.3730% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 2.9960% | 2,142 |
| Noncurrent loans to loans | 9.4790% | 390 |
| Net loans and leases to total assets | 26.4074% | 7,185 |
| Net loans and leases to deposits | 29.0283% | 7,229 |
| Net loans and leases to core deposits | 29.0283% | 7,239 |
| Total domestic deposits to total assets | 90.9713% | 442 |
| Equity capital to assets | 8.4316% | 6,367 |
| Core capital (leverage) ratio | 8.6085% | 5,536 |
| Tier 1 risk-based capital ratio | 15.8331% | 3,202 |
| Total risk-based capital ratio | 17.0860% | 3,160 |
| Memoranda: | ||
| Average total assets | $17,041,750 | 7,334 |
| Average earning assets | $13,510,000 | 7,349 |
| Average equity | $1,615,250 | 7,345 |
| Average total loans | $5,593,000 | 7,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 6,290 |
| Cost of funding earning assets | 0.2918% | 7,320 |
| Net interest margin | 3.9015% | 3,301 |
| Noninterest income to average assets | -0.7041% | 7,446 |
| Noninterest expense to average assets | 3.0634% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.6300% | 6,777 |
| Return on assets (ROA) | -0.6547% | 6,797 |
| Pretax return on assets | -0.6547% | 6,742 |
| Return on Equity (ROE) | -6.6126% | 6,810 |
| Retained earnings to average equity (ytd only) | -6.6126% | 6,699 |
| Net charge-offs to loans | -0.4573% | 7,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8883% | 287 |
| Assets per employee ($millions) | 2.6668% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 2,127 |
| Loan loss allowance to noncurrent loans | 24.3243% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 3.5248% | 1,863 |
| Noncurrent loans to loans | 8.6324% | 495 |
| Net loans and leases to total assets | 34.0916% | 7,041 |
| Net loans and leases to deposits | 38.0590% | 7,119 |
| Net loans and leases to core deposits | 38.0590% | 7,168 |
| Total domestic deposits to total assets | 89.5757% | 1,199 |
| Equity capital to assets | 10.0306% | 4,107 |
| Core capital (leverage) ratio | 9.3084% | 4,240 |
| Tier 1 risk-based capital ratio | 15.8167% | 3,071 |
| Total risk-based capital ratio | 17.0270% | 3,070 |
| Memoranda: | ||
| Average total assets | $16,191,330 | 7,418 |
| Average earning assets | $13,020,670 | 7,430 |
| Average equity | $1,603,000 | 7,418 |
| Average total loans | $5,685,000 | 7,399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 6,832 |
| Cost of funding earning assets | 0.2825% | 7,408 |
| Net interest margin | 3.6100% | 4,527 |
| Noninterest income to average assets | 0.4421% | 4,345 |
| Noninterest expense to average assets | 3.1928% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0737% | 6,167 |
| Return on assets (ROA) | 0.0246% | 6,327 |
| Pretax return on assets | 0.0246% | 6,312 |
| Return on Equity (ROE) | 0.2497% | 6,325 |
| Retained earnings to average equity (ytd only) | 0.2497% | 5,709 |
| Net charge-offs to loans | -1.0450% | 7,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7444% | 848 |
| Assets per employee ($millions) | 2.6763% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 1,893 |
| Loan loss allowance to noncurrent loans | 24.4856% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 4.1848% | 1,575 |
| Noncurrent loans to loans | 9.1097% | 485 |
| Net loans and leases to total assets | 32.4823% | 7,149 |
| Net loans and leases to deposits | 36.0919% | 7,224 |
| Net loans and leases to core deposits | 36.0919% | 7,262 |
| Total domestic deposits to total assets | 89.9988% | 1,149 |
| Equity capital to assets | 9.9203% | 3,875 |
| Core capital (leverage) ratio | 9.8032% | 3,382 |
| Tier 1 risk-based capital ratio | 17.5435% | 2,274 |
| Total risk-based capital ratio | 18.7950% | 2,241 |
| Memoranda: | ||
| Average total assets | $16,286,500 | 7,476 |
| Average earning assets | $12,742,500 | 7,493 |
| Average equity | $1,602,000 | 7,468 |
| Average total loans | $5,741,500 | 7,454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 6,842 |
| Cost of funding earning assets | 0.3086% | 7,496 |
| Net interest margin | 3.9558% | 3,240 |
| Noninterest income to average assets | 0.6641% | 3,054 |
| Noninterest expense to average assets | 3.5397% | 2,074 |
| Loan and lease loss provision to assets | 0.9585% | 1,696 |
| Net operating income to assets | -0.7017% | 6,515 |
| Return on assets (ROA) | -0.7017% | 6,552 |
| Pretax return on assets | -0.7017% | 6,457 |
| Return on Equity (ROE) | -6.7429% | 6,542 |
| Retained earnings to average equity (ytd only) | -6.7429% | 6,444 |
| Net charge-offs to loans | 2.8915% | 593 |
| Credit loss provision to net charge-offs | 86.9318% | 5,245 |
| Earnings coverage of net charge-offs (x) | 0.2330% | 5,874 |
| Efficiency ratio | 93.2343% | 1,105 |
| Assets per employee ($millions) | 2.7525% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 3,244 |
| Loan loss allowance to noncurrent loans | 29.8851% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 3.2455% | 2,174 |
| Noncurrent loans to loans | 5.6604% | 1,146 |
| Net loans and leases to total assets | 36.5970% | 7,129 |
| Net loans and leases to deposits | 40.6292% | 7,234 |
| Net loans and leases to core deposits | 40.6292% | 7,291 |
| Total domestic deposits to total assets | 90.0757% | 1,050 |
| Equity capital to assets | 9.7548% | 4,046 |
| Core capital (leverage) ratio | 9.7684% | 3,355 |
| Tier 1 risk-based capital ratio | 16.5153% | 2,515 |
| Total risk-based capital ratio | 17.6010% | 2,552 |
| Memoranda: | ||
| Average total assets | $15,962,000 | 7,553 |
| Average earning assets | $12,639,600 | 7,570 |
| Average equity | $1,661,000 | 7,557 |
| Average total loans | $6,086,800 | 7,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 6,766 |
| Cost of funding earning assets | 0.3073% | 7,634 |
| Net interest margin | 4.1221% | 2,525 |
| Noninterest income to average assets | 0.6488% | 3,135 |
| Noninterest expense to average assets | 3.5473% | 1,915 |
| Loan and lease loss provision to assets | 0.8847% | 1,720 |
| Net operating income to assets | -0.5056% | 6,592 |
| Return on assets (ROA) | -0.5056% | 6,642 |
| Pretax return on assets | -0.5056% | 6,558 |
| Return on Equity (ROE) | -4.7804% | 6,635 |
| Retained earnings to average equity (ytd only) | -4.7804% | 6,540 |
| Net charge-offs to loans | 3.4916% | 388 |
| Credit loss provision to net charge-offs | 66.0377% | 5,533 |
| Earnings coverage of net charge-offs (x) | 0.2830% | 5,746 |
| Efficiency ratio | 90.3433% | 1,259 |
| Assets per employee ($millions) | 2.1130% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,197 |
| Loan loss allowance to noncurrent loans | 85.8824% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,683 |
| Noncurrent loans to loans | 1.4617% | 4,431 |
| Net loans and leases to total assets | 38.8209% | 7,136 |
| Net loans and leases to deposits | 44.0506% | 7,240 |
| Net loans and leases to core deposits | 44.0506% | 7,321 |
| Total domestic deposits to total assets | 88.1279% | 1,882 |
| Equity capital to assets | 11.5205% | 2,517 |
| Core capital (leverage) ratio | 10.4513% | 2,743 |
| Tier 1 risk-based capital ratio | 17.9041% | 2,050 |
| Total risk-based capital ratio | 18.7035% | 2,153 |
| Memoranda: | ||
| Average total assets | $15,823,750 | 7,653 |
| Average earning assets | $12,582,250 | 7,670 |
| Average equity | $1,673,500 | 7,656 |
| Average total loans | $6,071,500 | 7,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 6,968 |
| Cost of funding earning assets | 0.3000% | 7,712 |
| Net interest margin | 4.0582% | 2,757 |
| Noninterest income to average assets | 0.6804% | 2,819 |
| Noninterest expense to average assets | 3.6368% | 1,692 |
| Loan and lease loss provision to assets | 1.2989% | 1,054 |
| Net operating income to assets | -1.0762% | 6,980 |
| Return on assets (ROA) | -1.0762% | 6,994 |
| Pretax return on assets | -1.0762% | 6,925 |
| Return on Equity (ROE) | -10.4609% | 6,984 |
| Retained earnings to average equity (ytd only) | -10.4609% | 6,936 |
| Net charge-offs to loans | 3.9305% | 334 |
| Credit loss provision to net charge-offs | 86.7769% | 4,525 |
| Earnings coverage of net charge-offs (x) | 0.1488% | 5,573 |
| Efficiency ratio | 94.2308% | 1,058 |
| Assets per employee ($millions) | 1.9671% | 7,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 2,695 |
| Loan loss allowance to noncurrent loans | 25.4587% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 2.7705% | 2,610 |
| Noncurrent loans to loans | 7.1033% | 791 |
| Net loans and leases to total assets | 38.2983% | 7,255 |
| Net loans and leases to deposits | 42.8176% | 7,365 |
| Net loans and leases to core deposits | 42.8176% | 7,431 |
| Total domestic deposits to total assets | 89.4453% | 1,206 |
| Equity capital to assets | 10.3768% | 3,548 |
| Core capital (leverage) ratio | 9.7460% | 3,481 |
| Tier 1 risk-based capital ratio | 17.3071% | 2,165 |
| Total risk-based capital ratio | 18.5018% | 2,146 |
| Memoranda: | ||
| Average total assets | $16,168,000 | 7,706 |
| Average earning assets | $12,665,670 | 7,736 |
| Average equity | $1,663,330 | 7,723 |
| Average total loans | $6,157,000 | 7,691 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 7,005 |
| Cost of funding earning assets | 0.3115% | 7,815 |
| Net interest margin | 4.0804% | 2,526 |
| Noninterest income to average assets | 0.6592% | 2,886 |
| Noninterest expense to average assets | 3.7843% | 1,350 |
| Loan and lease loss provision to assets | 2.0264% | 546 |
| Net operating income to assets | -1.9532% | 7,452 |
| Return on assets (ROA) | -1.9532% | 7,454 |
| Pretax return on assets | -1.9532% | 7,401 |
| Return on Equity (ROE) | -19.0646% | 7,422 |
| Retained earnings to average equity (ytd only) | -19.0646% | 7,352 |
| Net charge-offs to loans | 7.8489% | 99 |
| Credit loss provision to net charge-offs | 68.5950% | 4,137 |
| Earnings coverage of net charge-offs (x) | 0.0248% | 5,009 |
| Efficiency ratio | 98.1013% | 918 |
| Assets per employee ($millions) | 2.3299% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 3,919 |
| Loan loss allowance to noncurrent loans | 32.9630% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 3,991 |
| Noncurrent loans to loans | 4.5455% | 1,635 |
| Net loans and leases to total assets | 35.8759% | 7,427 |
| Net loans and leases to deposits | 39.9168% | 7,519 |
| Net loans and leases to core deposits | 39.9168% | 7,578 |
| Total domestic deposits to total assets | 89.8768% | 1,053 |
| Equity capital to assets | 10.0129% | 3,854 |
| Core capital (leverage) ratio | 9.8368% | 3,359 |
| Tier 1 risk-based capital ratio | 18.7594% | 1,781 |
| Total risk-based capital ratio | 19.7932% | 1,792 |
| Memoranda: | ||
| Average total assets | $16,383,500 | 7,806 |
| Average earning assets | $12,842,000 | 7,834 |
| Average equity | $1,678,500 | 7,806 |
| Average total loans | $6,166,500 | 7,788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 7,467 |
| Cost of funding earning assets | 0.4713% | 7,851 |
| Net interest margin | 3.9396% | 3,120 |
| Noninterest income to average assets | 0.5733% | 3,831 |
| Noninterest expense to average assets | 3.7083% | 1,895 |
| Loan and lease loss provision to assets | 0.0537% | 7,029 |
| Net operating income to assets | 0.1553% | 5,037 |
| Return on assets (ROA) | 0.2150% | 4,912 |
| Pretax return on assets | 0.2150% | 4,972 |
| Return on Equity (ROE) | 2.1104% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.1104% | 3,629 |
| Net charge-offs to loans | 0.1634% | 5,645 |
| Credit loss provision to net charge-offs | 90.0000% | 5,995 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,316 |
| Efficiency ratio | 94.6646% | 1,371 |
| Assets per employee ($millions) | 2.3511% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,066 |
| Loan loss allowance to noncurrent loans | 40.5751% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 3,527 |
| Noncurrent loans to loans | 4.8960% | 1,392 |
| Net loans and leases to total assets | 38.0727% | 7,445 |
| Net loans and leases to deposits | 42.6143% | 7,552 |
| Net loans and leases to core deposits | 42.6143% | 7,726 |
| Total domestic deposits to total assets | 89.3426% | 1,303 |
| Equity capital to assets | 10.4751% | 3,211 |
| Core capital (leverage) ratio | 10.5335% | 2,571 |
| Tier 1 risk-based capital ratio | 18.6696% | 1,724 |
| Total risk-based capital ratio | 19.9230% | 1,686 |
| Memoranda: | ||
| Average total assets | $16,746,200 | 7,858 |
| Average earning assets | $14,214,800 | 7,863 |
| Average equity | $1,705,800 | 7,891 |
| Average total loans | $6,119,200 | 7,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 7,575 |
| Cost of funding earning assets | 0.5152% | 7,935 |
| Net interest margin | 3.9196% | 3,160 |
| Noninterest income to average assets | 0.5153% | 4,364 |
| Noninterest expense to average assets | 3.6626% | 1,906 |
| Loan and lease loss provision to assets | 0.0714% | 6,644 |
| Net operating income to assets | 0.1586% | 5,292 |
| Return on assets (ROA) | 0.2378% | 5,107 |
| Pretax return on assets | 0.2378% | 5,212 |
| Return on Equity (ROE) | 2.3512% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.3512% | 4,013 |
| Net charge-offs to loans | 0.3966% | 3,678 |
| Credit loss provision to net charge-offs | 50.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | 1.6113% | 4,589 |
| Efficiency ratio | 94.0937% | 1,389 |
| Assets per employee ($millions) | 2.3821% | 7,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 1,896 |
| Loan loss allowance to noncurrent loans | 65.3846% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 4,898 |
| Noncurrent loans to loans | 2.9939% | 2,523 |
| Net loans and leases to total assets | 35.7421% | 7,629 |
| Net loans and leases to deposits | 40.0134% | 7,729 |
| Net loans and leases to core deposits | 40.0134% | 7,850 |
| Total domestic deposits to total assets | 89.3253% | 1,049 |
| Equity capital to assets | 10.3568% | 3,671 |
| Core capital (leverage) ratio | 9.9570% | 3,332 |
| Tier 1 risk-based capital ratio | 19.0374% | 1,740 |
| Total risk-based capital ratio | 20.2885% | 1,696 |
| Memoranda: | ||
| Average total assets | $16,818,250 | 7,940 |
| Average earning assets | $14,491,000 | 7,941 |
| Average equity | $1,701,250 | 7,978 |
| Average total loans | $6,050,750 | 7,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 7,658 |
| Cost of funding earning assets | 0.5579% | 8,017 |
| Net interest margin | 3.9055% | 3,091 |
| Noninterest income to average assets | 0.4862% | 4,568 |
| Noninterest expense to average assets | 3.8302% | 1,607 |
| Loan and lease loss provision to assets | 0.1067% | 6,090 |
| Net operating income to assets | -0.0474% | 5,918 |
| Return on assets (ROA) | -0.0474% | 5,984 |
| Pretax return on assets | -0.0474% | 5,934 |
| Return on Equity (ROE) | -0.4726% | 5,993 |
| Retained earnings to average equity (ytd only) | -0.4726% | 5,340 |
| Net charge-offs to loans | 0.3311% | 3,530 |
| Credit loss provision to net charge-offs | 90.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,198 |
| Efficiency ratio | 98.4756% | 1,251 |
| Assets per employee ($millions) | 2.3106% | 7,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0974% | 1,401 |
| Loan loss allowance to noncurrent loans | 41.1003% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.9105% | 3,327 |
| Noncurrent loans to loans | 5.1032% | 1,188 |
| Net loans and leases to total assets | 36.6514% | 7,683 |
| Net loans and leases to deposits | 41.1039% | 7,788 |
| Net loans and leases to core deposits | 41.1039% | 7,918 |
| Total domestic deposits to total assets | 89.1678% | 1,184 |
| Equity capital to assets | 10.4365% | 3,478 |
| Core capital (leverage) ratio | 9.7102% | 3,622 |
| Tier 1 risk-based capital ratio | 18.3136% | 1,930 |
| Total risk-based capital ratio | 19.5640% | 1,880 |
| Memoranda: | ||
| Average total assets | $16,866,000 | 8,016 |
| Average earning assets | $14,697,330 | 8,015 |
| Average equity | $1,692,670 | 8,058 |
| Average total loans | $6,041,330 | 8,023 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 7,694 |
| Cost of funding earning assets | 0.6230% | 8,041 |
| Net interest margin | 3.9006% | 3,034 |
| Noninterest income to average assets | 0.4416% | 4,862 |
| Noninterest expense to average assets | 3.9275% | 1,273 |
| Loan and lease loss provision to assets | 0.0930% | 5,767 |
| Net operating income to assets | -0.2324% | 6,599 |
| Return on assets (ROA) | -0.2324% | 6,675 |
| Pretax return on assets | -0.2324% | 6,607 |
| Return on Equity (ROE) | -2.3599% | 6,706 |
| Retained earnings to average equity (ytd only) | -2.3599% | 6,166 |
| Net charge-offs to loans | 0.3314% | 2,774 |
| Credit loss provision to net charge-offs | 80.0000% | 4,190 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 5,399 |
| Efficiency ratio | 103.6810% | 995 |
| Assets per employee ($millions) | 2.5056% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1427% | 1,159 |
| Loan loss allowance to noncurrent loans | 119.8113% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 5,671 |
| Noncurrent loans to loans | 1.7884% | 3,578 |
| Net loans and leases to total assets | 33.0692% | 7,829 |
| Net loans and leases to deposits | 36.6996% | 7,926 |
| Net loans and leases to core deposits | 36.6996% | 8,020 |
| Total domestic deposits to total assets | 90.1078% | 749 |
| Equity capital to assets | 9.6072% | 4,519 |
| Core capital (leverage) ratio | 9.6784% | 3,784 |
| Tier 1 risk-based capital ratio | 20.3455% | 1,558 |
| Total risk-based capital ratio | 21.6039% | 1,523 |
| Memoranda: | ||
| Average total assets | $17,212,000 | 8,058 |
| Average earning assets | $14,767,000 | 8,063 |
| Average equity | $1,695,000 | 8,116 |
| Average total loans | $6,034,500 | 8,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 7,808 |
| Cost of funding earning assets | 0.8340% | 8,113 |
| Net interest margin | 4.2143% | 2,261 |
| Noninterest income to average assets | 0.6946% | 3,149 |
| Noninterest expense to average assets | 4.2976% | 1,051 |
| Loan and lease loss provision to assets | 0.0714% | 6,503 |
| Net operating income to assets | 0.0325% | 6,277 |
| Return on assets (ROA) | 0.0454% | 6,102 |
| Pretax return on assets | 0.0454% | 6,061 |
| Return on Equity (ROE) | 0.4200% | 6,105 |
| Retained earnings to average equity (ytd only) | -2.0398% | 5,878 |
| Net charge-offs to loans | 0.6235% | 1,973 |
| Credit loss provision to net charge-offs | 29.7297% | 6,529 |
| Earnings coverage of net charge-offs (x) | 0.4324% | 5,972 |
| Efficiency ratio | 97.6401% | 1,074 |
| Assets per employee ($millions) | 2.4121% | 7,382 |
| Cash dividends to net income (ytd only)* | 585.7143% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 1,095 |
| Loan loss allowance to noncurrent loans | 116.3636% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 5,267 |
| Noncurrent loans to loans | 1.7909% | 3,076 |
| Net loans and leases to total assets | 35.6174% | 7,844 |
| Net loans and leases to deposits | 39.7278% | 7,946 |
| Net loans and leases to core deposits | 39.7278% | 8,059 |
| Total domestic deposits to total assets | 89.6535% | 783 |
| Equity capital to assets | 10.0977% | 3,922 |
| Core capital (leverage) ratio | 10.4907% | 2,983 |
| Tier 1 risk-based capital ratio | 20.0483% | 1,613 |
| Total risk-based capital ratio | 21.3051% | 1,574 |
| Memoranda: | ||
| Average total assets | $15,403,800 | 8,153 |
| Average earning assets | $13,549,200 | 8,152 |
| Average equity | $1,666,800 | 8,186 |
| Average total loans | $5,934,000 | 8,129 |