Home > Commercial State Bank > Performance and Condition Ratios
Commercial State Bank, Performance and Condition Ratios
| 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 | 3.3253% | 4,952 |
| Cost of funding earning assets | 0.4950% | 4,116 |
| Net interest margin | 2.8302% | 4,731 |
| Noninterest income to average assets | -0.0356% | 5,151 |
| Noninterest expense to average assets | 2.1757% | 4,211 |
| Loan and lease loss provision to assets | 0.0305% | 3,406 |
| Net operating income to assets | 0.3813% | 4,628 |
| Return on assets (ROA) | 0.3813% | 4,657 |
| Pretax return on assets | 0.4321% | 4,663 |
| Return on Equity (ROE) | 4.8412% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.8412% | 2,507 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4663% | 773 |
| Assets per employee ($millions) | 4.7948% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0816% | 402 |
| Loan loss allowance to noncurrent loans | 110.8974% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 1,594 |
| Noncurrent loans to loans | 1.8770% | 702 |
| Net loans and leases to total assets | 42.4318% | 4,664 |
| Net loans and leases to deposits | 50.4839% | 4,667 |
| Net loans and leases to core deposits | 52.7619% | 4,684 |
| Total domestic deposits to total assets | 84.0503% | 2,836 |
| Equity capital to assets | 8.3633% | 4,964 |
| Core capital (leverage) ratio | 8.1510% | 4,991 |
| Tier 1 risk-based capital ratio | 16.9995% | 2,051 |
| Total risk-based capital ratio | 18.2567% | 1,995 |
| Memoranda: | ||
| Average total assets | $19,671,600 | 5,119 |
| Average earning assets | $18,585,000 | 5,103 |
| Average equity | $1,549,200 | 5,157 |
| Average total loans | $8,026,800 | 5,089 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3199% | 5,059 |
| Cost of funding earning assets | 0.4976% | 4,148 |
| Net interest margin | 2.8222% | 4,838 |
| Noninterest income to average assets | -0.2223% | 5,236 |
| Noninterest expense to average assets | 2.1082% | 4,346 |
| Loan and lease loss provision to assets | 0.0337% | 3,236 |
| Net operating income to assets | 0.2358% | 4,918 |
| Return on assets (ROA) | 0.2358% | 4,930 |
| Pretax return on assets | 0.3099% | 4,895 |
| Return on Equity (ROE) | 3.0394% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.0394% | 3,872 |
| Net charge-offs to loans | -0.0167% | 4,540 |
| Credit loss provision to net charge-offs | -500.0000% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9890% | 504 |
| Assets per employee ($millions) | 4.8853% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3293% | 274 |
| Loan loss allowance to noncurrent loans | 108.1250% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 1,689 |
| Noncurrent loans to loans | 2.1543% | 605 |
| Net loans and leases to total assets | 37.1219% | 4,900 |
| Net loans and leases to deposits | 42.9358% | 4,939 |
| Net loans and leases to core deposits | 44.7805% | 4,942 |
| Total domestic deposits to total assets | 86.4592% | 1,789 |
| Equity capital to assets | 7.9934% | 5,129 |
| Core capital (leverage) ratio | 8.1287% | 5,084 |
| Tier 1 risk-based capital ratio | 14.8061% | 2,950 |
| Total risk-based capital ratio | 16.0611% | 2,875 |
| Memoranda: | ||
| Average total assets | $19,794,750 | 5,196 |
| Average earning assets | $18,755,250 | 5,179 |
| Average equity | $1,535,500 | 5,236 |
| Average total loans | $7,955,750 | 5,169 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 5,132 |
| Cost of funding earning assets | 0.5093% | 4,075 |
| Net interest margin | 2.7691% | 4,951 |
| Noninterest income to average assets | 0.1710% | 4,730 |
| Noninterest expense to average assets | 2.0423% | 4,530 |
| Loan and lease loss provision to assets | 0.0302% | 3,214 |
| Net operating income to assets | 0.6238% | 4,240 |
| Return on assets (ROA) | 0.6238% | 4,284 |
| Pretax return on assets | 0.7244% | 4,272 |
| Return on Equity (ROE) | 8.1223% | 3,233 |
| Retained earnings to average equity (ytd only) | 8.1223% | 1,339 |
| Net charge-offs to loans | -0.0246% | 4,620 |
| Credit loss provision to net charge-offs | -300.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0216% | 1,772 |
| Assets per employee ($millions) | 6.9220% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4115% | 251 |
| Loan loss allowance to noncurrent loans | 103.0120% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 1,758 |
| Noncurrent loans to loans | 2.3410% | 550 |
| Net loans and leases to total assets | 33.3237% | 5,041 |
| Net loans and leases to deposits | 38.0889% | 5,077 |
| Net loans and leases to core deposits | 40.7682% | 5,069 |
| Total domestic deposits to total assets | 87.4892% | 1,345 |
| Equity capital to assets | 7.6471% | 5,221 |
| Core capital (leverage) ratio | 7.8170% | 5,200 |
| Tier 1 risk-based capital ratio | 17.1909% | 2,031 |
| Total risk-based capital ratio | 18.4619% | 1,975 |
| Memoranda: | ||
| Average total assets | $19,879,330 | 5,243 |
| Average earning assets | $18,851,000 | 5,226 |
| Average equity | $1,526,670 | 5,284 |
| Average total loans | $8,132,000 | 5,216 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 5,151 |
| Cost of funding earning assets | 0.5253% | 3,945 |
| Net interest margin | 2.8236% | 4,968 |
| Noninterest income to average assets | 0.1851% | 4,643 |
| Noninterest expense to average assets | 2.0773% | 4,501 |
| Loan and lease loss provision to assets | 0.0411% | 2,806 |
| Net operating income to assets | 0.5964% | 4,256 |
| Return on assets (ROA) | 0.5964% | 4,288 |
| Pretax return on assets | 0.7198% | 4,254 |
| Return on Equity (ROE) | 7.7540% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.7540% | 1,753 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1884% | 1,856 |
| Assets per employee ($millions) | 6.7477% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 441 |
| Loan loss allowance to noncurrent loans | 112.6667% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 1,889 |
| Noncurrent loans to loans | 1.8315% | 838 |
| Net loans and leases to total assets | 39.6236% | 4,900 |
| Net loans and leases to deposits | 45.9367% | 4,932 |
| Net loans and leases to core deposits | 50.3768% | 4,876 |
| Total domestic deposits to total assets | 86.2570% | 2,160 |
| Equity capital to assets | 7.5433% | 5,259 |
| Core capital (leverage) ratio | 7.8745% | 5,232 |
| Tier 1 risk-based capital ratio | 14.3171% | 3,184 |
| Total risk-based capital ratio | 15.5629% | 3,116 |
| Memoranda: | ||
| Average total assets | $19,448,500 | 5,299 |
| Average earning assets | $18,274,500 | 5,285 |
| Average equity | $1,496,000 | 5,342 |
| Average total loans | $8,652,500 | 5,263 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 5,157 |
| Cost of funding earning assets | 0.5668% | 2,947 |
| Net interest margin | 2.6174% | 5,147 |
| Noninterest income to average assets | 0.3683% | 3,631 |
| Noninterest expense to average assets | 2.7670% | 2,798 |
| Loan and lease loss provision to assets | 0.1454% | 1,473 |
| Net operating income to assets | -0.0550% | 5,247 |
| Return on assets (ROA) | -0.1890% | 5,267 |
| Pretax return on assets | -0.2520% | 5,273 |
| Return on Equity (ROE) | -2.6738% | 5,285 |
| Retained earnings to average equity (ytd only) | -2.6738% | 5,164 |
| Net charge-offs to loans | -0.0113% | 4,529 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7740% | 180 |
| Assets per employee ($millions) | 6.2180% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 645 |
| Loan loss allowance to noncurrent loans | 153.2110% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,284 |
| Noncurrent loans to loans | 1.1958% | 1,339 |
| Net loans and leases to total assets | 47.9683% | 4,640 |
| Net loans and leases to deposits | 55.8308% | 4,673 |
| Net loans and leases to core deposits | 57.0590% | 4,740 |
| Total domestic deposits to total assets | 85.9172% | 2,278 |
| Equity capital to assets | 7.7249% | 5,238 |
| Core capital (leverage) ratio | 8.1867% | 5,176 |
| Tier 1 risk-based capital ratio | 13.5580% | 3,518 |
| Total risk-based capital ratio | 14.8271% | 3,413 |
| Memoranda: | ||
| Average total assets | $20,636,000 | 5,337 |
| Average earning assets | $19,408,400 | 5,321 |
| Average equity | $1,458,600 | 5,384 |
| Average total loans | $8,887,200 | 5,305 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0913% | 5,251 |
| Cost of funding earning assets | 0.5754% | 2,663 |
| Net interest margin | 2.5159% | 5,275 |
| Noninterest income to average assets | 0.3786% | 3,609 |
| Noninterest expense to average assets | 2.4923% | 3,620 |
| Loan and lease loss provision to assets | 0.1893% | 945 |
| Net operating income to assets | 0.2123% | 5,188 |
| Return on assets (ROA) | 0.0379% | 5,278 |
| Pretax return on assets | -0.1514% | 5,337 |
| Return on Equity (ROE) | 0.5468% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.5468% | 4,944 |
| Net charge-offs to loans | -0.0151% | 4,519 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5963% | 313 |
| Assets per employee ($millions) | 4.9883% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 717 |
| Loan loss allowance to noncurrent loans | 260.9375% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 3,410 |
| Noncurrent loans to loans | 0.6921% | 2,347 |
| Net loans and leases to total assets | 45.5069% | 4,821 |
| Net loans and leases to deposits | 52.3011% | 4,880 |
| Net loans and leases to core deposits | 54.1540% | 4,907 |
| Total domestic deposits to total assets | 87.0095% | 1,724 |
| Equity capital to assets | 7.2320% | 5,360 |
| Core capital (leverage) ratio | 7.9599% | 5,326 |
| Tier 1 risk-based capital ratio | 12.9861% | 3,917 |
| Total risk-based capital ratio | 14.2380% | 3,823 |
| Memoranda: | ||
| Average total assets | $21,131,500 | 5,398 |
| Average earning assets | $19,926,000 | 5,384 |
| Average equity | $1,463,000 | 5,455 |
| Average total loans | $8,830,250 | 5,377 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0082% | 5,330 |
| Cost of funding earning assets | 0.6016% | 2,214 |
| Net interest margin | 2.4065% | 5,379 |
| Noninterest income to average assets | 0.4460% | 3,180 |
| Noninterest expense to average assets | 2.3787% | 3,955 |
| Loan and lease loss provision to assets | 0.2788% | 521 |
| Net operating income to assets | 0.2973% | 5,117 |
| Return on assets (ROA) | 0.2973% | 5,112 |
| Pretax return on assets | 0.0558% | 5,312 |
| Return on Equity (ROE) | 4.3547% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.3547% | 3,423 |
| Net charge-offs to loans | -0.0230% | 4,625 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6712% | 486 |
| Assets per employee ($millions) | 5.4050% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 504 |
| Loan loss allowance to noncurrent loans | 256.9231% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 3,560 |
| Noncurrent loans to loans | 0.7854% | 2,159 |
| Net loans and leases to total assets | 37.5069% | 5,142 |
| Net loans and leases to deposits | 42.2388% | 5,184 |
| Net loans and leases to core deposits | 43.0094% | 5,217 |
| Total domestic deposits to total assets | 88.7974% | 1,018 |
| Equity capital to assets | 6.7854% | 5,467 |
| Core capital (leverage) ratio | 7.2520% | 5,461 |
| Tier 1 risk-based capital ratio | 13.1838% | 3,800 |
| Total risk-based capital ratio | 14.4346% | 3,717 |
| Memoranda: | ||
| Average total assets | $21,524,330 | 5,461 |
| Average earning assets | $20,278,000 | 5,446 |
| Average equity | $1,469,670 | 5,518 |
| Average total loans | $8,691,330 | 5,437 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9168% | 5,408 |
| Cost of funding earning assets | 0.6109% | 1,978 |
| Net interest margin | 2.3058% | 5,468 |
| Noninterest income to average assets | 0.1860% | 4,910 |
| Noninterest expense to average assets | 1.7115% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9674% | 2,998 |
| Return on assets (ROA) | 0.9674% | 3,024 |
| Pretax return on assets | 0.6511% | 4,567 |
| Return on Equity (ROE) | 13.8991% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.8991% | 414 |
| Net charge-offs to loans | -0.0449% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4409% | 2,130 |
| Assets per employee ($millions) | 7.1420% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 771 |
| Loan loss allowance to noncurrent loans | 201.4706% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 3,559 |
| Noncurrent loans to loans | 0.8985% | 2,026 |
| Net loans and leases to total assets | 34.6822% | 5,247 |
| Net loans and leases to deposits | 38.8468% | 5,294 |
| Net loans and leases to core deposits | 39.5561% | 5,315 |
| Total domestic deposits to total assets | 89.2794% | 971 |
| Equity capital to assets | 6.9822% | 5,514 |
| Core capital (leverage) ratio | 7.8380% | 5,434 |
| Tier 1 risk-based capital ratio | 14.4066% | 3,168 |
| Total risk-based capital ratio | 15.6137% | 3,103 |
| Memoranda: | ||
| Average total assets | $21,502,000 | 5,523 |
| Average earning assets | $20,296,500 | 5,503 |
| Average equity | $1,496,500 | 5,577 |
| Average total loans | $8,899,000 | 5,493 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9732% | 5,378 |
| Cost of funding earning assets | 0.5966% | 1,618 |
| Net interest margin | 2.3766% | 5,475 |
| Noninterest income to average assets | 0.1683% | 5,115 |
| Noninterest expense to average assets | 2.1513% | 4,646 |
| Loan and lease loss provision to assets | 0.9824% | 101 |
| Net operating income to assets | -0.6322% | 5,555 |
| Return on assets (ROA) | -0.6322% | 5,553 |
| Pretax return on assets | -0.7368% | 5,577 |
| Return on Equity (ROE) | -8.8109% | 5,583 |
| Retained earnings to average equity (ytd only) | -8.8742% | 5,515 |
| Net charge-offs to loans | 1.9137% | 74 |
| Credit loss provision to net charge-offs | 111.9171% | 2,327 |
| Earnings coverage of net charge-offs (x) | 0.2798% | 3,999 |
| Efficiency ratio | 89.7533% | 444 |
| Assets per employee ($millions) | 7.1927% | 889 |
| Cash dividends to net income (ytd only)* | -0.7194% | 5,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,076 |
| Loan loss allowance to noncurrent loans | 191.5493% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 3,554 |
| Noncurrent loans to loans | 0.6940% | 2,477 |
| Net loans and leases to total assets | 46.7791% | 4,845 |
| Net loans and leases to deposits | 53.1543% | 4,925 |
| Net loans and leases to core deposits | 54.1320% | 4,998 |
| Total domestic deposits to total assets | 88.0063% | 1,495 |
| Equity capital to assets | 6.9376% | 5,586 |
| Core capital (leverage) ratio | 7.5153% | 5,558 |
| Tier 1 risk-based capital ratio | 11.5942% | 4,794 |
| Total risk-based capital ratio | 12.5998% | 4,829 |
| Memoranda: | ||
| Average total assets | $21,986,800 | 5,579 |
| Average earning assets | $20,617,400 | 5,558 |
| Average equity | $1,577,600 | 5,640 |
| Average total loans | $10,085,000 | 5,540 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9332% | 5,460 |
| Cost of funding earning assets | 0.5918% | 1,588 |
| Net interest margin | 2.3415% | 5,554 |
| Noninterest income to average assets | 0.1147% | 5,421 |
| Noninterest expense to average assets | 2.1307% | 4,667 |
| Loan and lease loss provision to assets | 1.3038% | 72 |
| Net operating income to assets | -0.9718% | 5,667 |
| Return on assets (ROA) | -0.9718% | 5,667 |
| Pretax return on assets | -1.1227% | 5,670 |
| Return on Equity (ROE) | -13.4351% | 5,692 |
| Retained earnings to average equity (ytd only) | -13.5184% | 5,649 |
| Net charge-offs to loans | 2.3352% | 63 |
| Credit loss provision to net charge-offs | 122.7273% | 1,977 |
| Earnings coverage of net charge-offs (x) | 0.1705% | 3,688 |
| Efficiency ratio | 92.1671% | 339 |
| Assets per employee ($millions) | 7.0447% | 933 |
| Cash dividends to net income (ytd only)* | -0.6196% | 5,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,304 |
| Loan loss allowance to noncurrent loans | 198.7013% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,572 |
| Noncurrent loans to loans | 0.7902% | 2,383 |
| Net loans and leases to total assets | 45.3818% | 4,969 |
| Net loans and leases to deposits | 51.3712% | 5,079 |
| Net loans and leases to core deposits | 52.3298% | 5,129 |
| Total domestic deposits to total assets | 88.3411% | 1,201 |
| Equity capital to assets | 7.1733% | 5,648 |
| Core capital (leverage) ratio | 7.4074% | 5,628 |
| Tier 1 risk-based capital ratio | 11.8549% | 4,729 |
| Total risk-based capital ratio | 13.0205% | 4,655 |
| Memoranda: | ||
| Average total assets | $22,089,000 | 5,644 |
| Average earning assets | $20,727,250 | 5,621 |
| Average equity | $1,597,750 | 5,706 |
| Average total loans | $10,048,750 | 5,597 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8830% | 5,518 |
| Cost of funding earning assets | 0.5785% | 1,585 |
| Net interest margin | 2.3045% | 5,606 |
| Noninterest income to average assets | 0.2231% | 4,913 |
| Noninterest expense to average assets | 2.0708% | 4,827 |
| Loan and lease loss provision to assets | 1.9279% | 45 |
| Net operating income to assets | -1.3299% | 5,738 |
| Return on assets (ROA) | -1.3299% | 5,737 |
| Pretax return on assets | -1.6066% | 5,749 |
| Return on Equity (ROE) | -18.3385% | 5,751 |
| Retained earnings to average equity (ytd only) | -18.4615% | 5,718 |
| Net charge-offs to loans | 3.3496% | 39 |
| Credit loss provision to net charge-offs | 127.0588% | 1,709 |
| Earnings coverage of net charge-offs (x) | 0.2118% | 3,393 |
| Efficiency ratio | 86.5672% | 650 |
| Assets per employee ($millions) | 5.3033% | 2,056 |
| Cash dividends to net income (ytd only)* | -0.6711% | 5,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,170 |
| Loan loss allowance to noncurrent loans | 77.1845% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 1,462 |
| Noncurrent loans to loans | 2.1316% | 773 |
| Net loans and leases to total assets | 44.8074% | 5,006 |
| Net loans and leases to deposits | 50.6501% | 5,115 |
| Net loans and leases to core deposits | 51.5903% | 5,165 |
| Total domestic deposits to total assets | 88.4646% | 1,222 |
| Equity capital to assets | 7.2220% | 5,690 |
| Core capital (leverage) ratio | 7.3571% | 5,673 |
| Tier 1 risk-based capital ratio | 12.1913% | 4,496 |
| Total risk-based capital ratio | 13.4299% | 4,389 |
| Memoranda: | ||
| Average total assets | $22,407,330 | 5,690 |
| Average earning assets | $21,089,000 | 5,664 |
| Average equity | $1,625,000 | 5,755 |
| Average total loans | $10,150,330 | 5,641 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7429% | 5,626 |
| Cost of funding earning assets | 0.5523% | 1,699 |
| Net interest margin | 2.1907% | 5,708 |
| Noninterest income to average assets | 0.2088% | 5,019 |
| Noninterest expense to average assets | 1.9659% | 5,118 |
| Loan and lease loss provision to assets | 0.0696% | 2,420 |
| Net operating income to assets | 0.2262% | 5,354 |
| Return on assets (ROA) | 0.2262% | 5,364 |
| Pretax return on assets | 0.2436% | 5,384 |
| Return on Equity (ROE) | 3.1335% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.8924% | 3,971 |
| Net charge-offs to loans | 1.5009% | 105 |
| Credit loss provision to net charge-offs | 10.2564% | 2,223 |
| Earnings coverage of net charge-offs (x) | 0.4615% | 2,818 |
| Efficiency ratio | 86.2595% | 791 |
| Assets per employee ($millions) | 5.4873% | 1,903 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 5,005 |
| Loan loss allowance to noncurrent loans | 650.0000% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 4,235 |
| Noncurrent loans to loans | 0.1264% | 4,679 |
| Net loans and leases to total assets | 42.9131% | 5,110 |
| Net loans and leases to deposits | 48.4242% | 5,198 |
| Net loans and leases to core deposits | 49.2883% | 5,252 |
| Total domestic deposits to total assets | 88.6191% | 1,363 |
| Equity capital to assets | 7.6404% | 5,647 |
| Core capital (leverage) ratio | 7.7191% | 5,656 |
| Tier 1 risk-based capital ratio | 13.2352% | 3,920 |
| Total risk-based capital ratio | 13.8396% | 4,241 |
| Memoranda: | ||
| Average total assets | $22,992,500 | 5,753 |
| Average earning assets | $21,728,500 | 5,721 |
| Average equity | $1,659,500 | 5,817 |
| Average total loans | $10,393,500 | 5,701 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 5,432 |
| Cost of funding earning assets | 0.5406% | 1,784 |
| Net interest margin | 2.5324% | 5,566 |
| Noninterest income to average assets | 0.3035% | 4,574 |
| Noninterest expense to average assets | 2.2360% | 4,686 |
| Loan and lease loss provision to assets | 0.1116% | 2,198 |
| Net operating income to assets | 0.2321% | 5,347 |
| Return on assets (ROA) | 0.2321% | 5,420 |
| Pretax return on assets | 0.3392% | 5,315 |
| Return on Equity (ROE) | 3.0938% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.9153% | 3,827 |
| Net charge-offs to loans | -0.0089% | 4,913 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2226% | 1,081 |
| Assets per employee ($millions) | 6.0090% | 1,480 |
| Cash dividends to net income (ytd only)* | 5.7692% | 4,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,320 |
| Loan loss allowance to noncurrent loans | 124.1758% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,756 |
| Noncurrent loans to loans | 0.8060% | 2,502 |
| Net loans and leases to total assets | 46.5011% | 4,986 |
| Net loans and leases to deposits | 52.8939% | 5,067 |
| Net loans and leases to core deposits | 53.7614% | 5,158 |
| Total domestic deposits to total assets | 87.9140% | 1,671 |
| Equity capital to assets | 6.8314% | 5,814 |
| Core capital (leverage) ratio | 7.5607% | 5,739 |
| Tier 1 risk-based capital ratio | 11.5872% | 4,997 |
| Total risk-based capital ratio | 12.3449% | 5,180 |
| Memoranda: | ||
| Average total assets | $22,405,800 | 5,815 |
| Average earning assets | $21,087,000 | 5,784 |
| Average equity | $1,680,800 | 5,876 |
| Average total loans | $11,277,400 | 5,741 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1646% | 5,412 |
| Cost of funding earning assets | 0.5531% | 1,664 |
| Net interest margin | 2.6114% | 5,578 |
| Noninterest income to average assets | 0.2606% | 4,904 |
| Noninterest expense to average assets | 2.2668% | 4,608 |
| Loan and lease loss provision to assets | 0.0545% | 3,169 |
| Net operating income to assets | 0.3273% | 5,219 |
| Return on assets (ROA) | 0.3273% | 5,301 |
| Pretax return on assets | 0.4000% | 5,309 |
| Return on Equity (ROE) | 4.2591% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.0225% | 3,437 |
| Net charge-offs to loans | -0.0118% | 4,829 |
| Credit loss provision to net charge-offs | -900.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2962% | 1,045 |
| Assets per employee ($millions) | 5.3048% | 2,044 |
| Cash dividends to net income (ytd only)* | 5.5556% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 4,854 |
| Loan loss allowance to noncurrent loans | 106.5934% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,709 |
| Noncurrent loans to loans | 0.8479% | 2,562 |
| Net loans and leases to total assets | 50.1249% | 4,811 |
| Net loans and leases to deposits | 57.5385% | 4,901 |
| Net loans and leases to core deposits | 58.6199% | 5,016 |
| Total domestic deposits to total assets | 87.1153% | 1,846 |
| Equity capital to assets | 8.1295% | 5,697 |
| Core capital (leverage) ratio | 8.2635% | 5,525 |
| Tier 1 risk-based capital ratio | 12.2384% | 4,650 |
| Total risk-based capital ratio | 12.9266% | 4,896 |
| Memoranda: | ||
| Average total assets | $21,998,250 | 5,881 |
| Average earning assets | $20,729,000 | 5,854 |
| Average equity | $1,690,500 | 5,939 |
| Average total loans | $11,274,250 | 5,804 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1692% | 5,478 |
| Cost of funding earning assets | 0.5458% | 1,727 |
| Net interest margin | 2.6234% | 5,642 |
| Noninterest income to average assets | 0.2696% | 4,854 |
| Noninterest expense to average assets | 2.1655% | 4,920 |
| Loan and lease loss provision to assets | 0.0539% | 3,068 |
| Net operating income to assets | 0.3774% | 5,099 |
| Return on assets (ROA) | 0.3774% | 5,184 |
| Pretax return on assets | 0.5122% | 5,107 |
| Return on Equity (ROE) | 5.0030% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.7647% | 2,887 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2763% | 1,594 |
| Assets per employee ($millions) | 5.3698% | 1,917 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,985 |
| Loan loss allowance to noncurrent loans | 102.1978% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 3,809 |
| Noncurrent loans to loans | 0.8720% | 2,560 |
| Net loans and leases to total assets | 48.1540% | 4,980 |
| Net loans and leases to deposits | 55.7394% | 5,033 |
| Net loans and leases to core deposits | 56.7829% | 5,134 |
| Total domestic deposits to total assets | 86.3914% | 2,220 |
| Equity capital to assets | 8.0218% | 5,803 |
| Core capital (leverage) ratio | 7.7697% | 5,830 |
| Tier 1 risk-based capital ratio | 12.0481% | 4,792 |
| Total risk-based capital ratio | 12.6984% | 5,079 |
| Memoranda: | ||
| Average total assets | $22,258,000 | 5,951 |
| Average earning assets | $20,888,670 | 5,924 |
| Average equity | $1,679,000 | 6,016 |
| Average total loans | $11,454,670 | 5,875 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1502% | 5,547 |
| Cost of funding earning assets | 0.5470% | 1,738 |
| Net interest margin | 2.6032% | 5,717 |
| Noninterest income to average assets | 0.3003% | 4,580 |
| Noninterest expense to average assets | 2.1371% | 5,036 |
| Loan and lease loss provision to assets | 0.0530% | 2,876 |
| Net operating income to assets | 0.4592% | 4,787 |
| Return on assets (ROA) | 0.4592% | 4,872 |
| Pretax return on assets | 0.5475% | 4,956 |
| Return on Equity (ROE) | 6.2764% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.7936% | 2,474 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0645% | 1,884 |
| Assets per employee ($millions) | 5.4928% | 1,835 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 5,348 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 4,257 |
| Noncurrent loans to loans | 0.6430% | 3,244 |
| Net loans and leases to total assets | 50.5576% | 4,754 |
| Net loans and leases to deposits | 59.3154% | 4,761 |
| Net loans and leases to core deposits | 60.4122% | 4,910 |
| Total domestic deposits to total assets | 85.2351% | 3,026 |
| Equity capital to assets | 7.6920% | 5,909 |
| Core capital (leverage) ratio | 7.4411% | 5,933 |
| Tier 1 risk-based capital ratio | 12.0363% | 4,892 |
| Total risk-based capital ratio | 12.6796% | 5,170 |
| Memoranda: | ||
| Average total assets | $22,647,500 | 6,004 |
| Average earning assets | $21,205,000 | 5,981 |
| Average equity | $1,657,000 | 6,076 |
| Average total loans | $11,964,000 | 5,921 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7746% | 5,899 |
| Cost of funding earning assets | 0.5378% | 1,862 |
| Net interest margin | 2.2369% | 5,977 |
| Noninterest income to average assets | 0.2490% | 5,103 |
| Noninterest expense to average assets | 1.9788% | 5,501 |
| Loan and lease loss provision to assets | 0.0730% | 2,810 |
| Net operating income to assets | 0.2393% | 5,503 |
| Return on assets (ROA) | 0.2361% | 5,574 |
| Pretax return on assets | 0.3176% | 5,488 |
| Return on Equity (ROE) | 3.4140% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.2899% | 3,705 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3635% | 1,242 |
| Assets per employee ($millions) | 5.8310% | 1,510 |
| Cash dividends to net income (ytd only)* | 3.6364% | 4,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6834% | 5,658 |
| Loan loss allowance to noncurrent loans | 42.0290% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 2,452 |
| Noncurrent loans to loans | 1.6261% | 1,407 |
| Net loans and leases to total assets | 54.2060% | 4,483 |
| Net loans and leases to deposits | 64.9558% | 4,404 |
| Net loans and leases to core deposits | 66.1072% | 4,582 |
| Total domestic deposits to total assets | 83.4505% | 3,694 |
| Equity capital to assets | 6.9628% | 6,063 |
| Core capital (leverage) ratio | 7.2614% | 6,020 |
| Tier 1 risk-based capital ratio | 11.1821% | 5,431 |
| Total risk-based capital ratio | 11.7675% | 5,688 |
| Memoranda: | ||
| Average total assets | $23,296,400 | 6,056 |
| Average earning assets | $22,129,000 | 6,026 |
| Average equity | $1,611,000 | 6,136 |
| Average total loans | $11,429,400 | 5,984 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6929% | 6,022 |
| Cost of funding earning assets | 0.5398% | 1,887 |
| Net interest margin | 2.1531% | 6,086 |
| Noninterest income to average assets | 0.2462% | 5,174 |
| Noninterest expense to average assets | 2.1010% | 5,269 |
| Loan and lease loss provision to assets | 0.0286% | 3,665 |
| Net operating income to assets | 0.1243% | 5,817 |
| Return on assets (ROA) | 0.1202% | 5,861 |
| Pretax return on assets | 0.1660% | 5,830 |
| Return on Equity (ROE) | 1.7416% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.4928% | 5,119 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2935% | 610 |
| Assets per employee ($millions) | 7.5847% | 657 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 5,823 |
| Loan loss allowance to noncurrent loans | 37.3134% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 2,667 |
| Noncurrent loans to loans | 1.7325% | 1,389 |
| Net loans and leases to total assets | 50.6592% | 4,879 |
| Net loans and leases to deposits | 60.5919% | 4,812 |
| Net loans and leases to core deposits | 61.6912% | 4,962 |
| Total domestic deposits to total assets | 83.6073% | 3,568 |
| Equity capital to assets | 7.1943% | 6,121 |
| Core capital (leverage) ratio | 6.9447% | 6,139 |
| Tier 1 risk-based capital ratio | 11.5207% | 5,364 |
| Total risk-based capital ratio | 12.0525% | 5,683 |
| Memoranda: | ||
| Average total assets | $23,289,500 | 6,140 |
| Average earning assets | $22,230,750 | 6,112 |
| Average equity | $1,607,750 | 6,222 |
| Average total loans | $11,104,250 | 6,070 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6582% | 6,095 |
| Cost of funding earning assets | 0.5460% | 1,857 |
| Net interest margin | 2.1122% | 6,170 |
| Noninterest income to average assets | 0.2301% | 5,314 |
| Noninterest expense to average assets | 2.0965% | 5,345 |
| Loan and lease loss provision to assets | 0.0085% | 3,940 |
| Net operating income to assets | 0.0798% | 5,903 |
| Return on assets (ROA) | 0.0852% | 5,939 |
| Pretax return on assets | 0.1449% | 5,886 |
| Return on Equity (ROE) | 1.2516% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.1264% | 5,117 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5361% | 547 |
| Assets per employee ($millions) | 5.6645% | 1,605 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 5,859 |
| Loan loss allowance to noncurrent loans | 48.2993% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 3,474 |
| Noncurrent loans to loans | 1.4059% | 1,915 |
| Net loans and leases to total assets | 45.8337% | 5,260 |
| Net loans and leases to deposits | 55.1455% | 5,182 |
| Net loans and leases to core deposits | 56.1564% | 5,302 |
| Total domestic deposits to total assets | 83.1141% | 3,904 |
| Equity capital to assets | 7.0659% | 6,185 |
| Core capital (leverage) ratio | 7.0824% | 6,175 |
| Tier 1 risk-based capital ratio | 11.4286% | 5,511 |
| Total risk-based capital ratio | 11.9307% | 5,788 |
| Memoranda: | ||
| Average total assets | $23,468,000 | 6,209 |
| Average earning assets | $22,346,330 | 6,179 |
| Average equity | $1,598,000 | 6,297 |
| Average total loans | $10,938,330 | 6,141 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6549% | 6,148 |
| Cost of funding earning assets | 0.5310% | 2,005 |
| Net interest margin | 2.1239% | 6,235 |
| Noninterest income to average assets | 0.1676% | 5,721 |
| Noninterest expense to average assets | 2.0274% | 5,529 |
| Loan and lease loss provision to assets | 0.0168% | 3,504 |
| Net operating income to assets | 0.0335% | 5,975 |
| Return on assets (ROA) | 0.0335% | 6,016 |
| Pretax return on assets | 0.1340% | 5,919 |
| Return on Equity (ROE) | 0.5011% | 5,987 |
| Retained earnings to average equity (ytd only) | 0.2505% | 5,285 |
| Net charge-offs to loans | -0.0358% | 5,350 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0769% | 643 |
| Assets per employee ($millions) | 5.5538% | 1,755 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 5,938 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 5,473 |
| Noncurrent loans to loans | 0.2554% | 4,871 |
| Net loans and leases to total assets | 47.2609% | 5,106 |
| Net loans and leases to deposits | 55.7301% | 5,070 |
| Net loans and leases to core deposits | 56.7452% | 5,205 |
| Total domestic deposits to total assets | 84.8031% | 3,512 |
| Equity capital to assets | 7.2969% | 6,223 |
| Core capital (leverage) ratio | 7.0193% | 6,237 |
| Tier 1 risk-based capital ratio | 11.2907% | 5,665 |
| Total risk-based capital ratio | 11.7965% | 5,932 |
| Memoranda: | ||
| Average total assets | $23,873,000 | 6,269 |
| Average earning assets | $22,600,000 | 6,234 |
| Average equity | $1,596,500 | 6,365 |
| Average total loans | $11,179,500 | 6,201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5518% | 6,315 |
| Cost of funding earning assets | 0.5392% | 2,295 |
| Net interest margin | 2.0126% | 6,368 |
| Noninterest income to average assets | 0.3214% | 4,819 |
| Noninterest expense to average assets | 2.0049% | 5,754 |
| Loan and lease loss provision to assets | 0.0563% | 3,425 |
| Net operating income to assets | 0.1929% | 5,777 |
| Return on assets (ROA) | 0.1567% | 5,908 |
| Pretax return on assets | 0.1286% | 5,964 |
| Return on Equity (ROE) | 2.5450% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.3493% | 4,554 |
| Net charge-offs to loans | 0.0639% | 3,577 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 7.8571% | 2,964 |
| Efficiency ratio | 90.0722% | 839 |
| Assets per employee ($millions) | 6.3828% | 1,131 |
| Cash dividends to net income (ytd only)* | 7.6923% | 4,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5938% | 6,151 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 5,779 |
| Noncurrent loans to loans | 0.1272% | 5,392 |
| Net loans and leases to total assets | 45.8971% | 5,330 |
| Net loans and leases to deposits | 54.4517% | 5,297 |
| Net loans and leases to core deposits | 55.3179% | 5,423 |
| Total domestic deposits to total assets | 84.2897% | 3,593 |
| Equity capital to assets | 6.1572% | 6,402 |
| Core capital (leverage) ratio | 6.4602% | 6,373 |
| Tier 1 risk-based capital ratio | 10.4211% | 6,132 |
| Total risk-based capital ratio | 10.8753% | 6,311 |
| Memoranda: | ||
| Average total assets | $24,888,600 | 6,342 |
| Average earning assets | $23,551,800 | 6,304 |
| Average equity | $1,532,400 | 6,457 |
| Average total loans | $10,960,400 | 6,290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5291% | 6,400 |
| Cost of funding earning assets | 0.5513% | 2,275 |
| Net interest margin | 1.9778% | 6,456 |
| Noninterest income to average assets | 0.3181% | 4,891 |
| Noninterest expense to average assets | 1.9950% | 5,779 |
| Loan and lease loss provision to assets | 0.0701% | 2,948 |
| Net operating income to assets | 0.2211% | 5,806 |
| Return on assets (ROA) | 0.1726% | 5,941 |
| Pretax return on assets | 0.0809% | 6,081 |
| Return on Equity (ROE) | 2.8026% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.5399% | 4,779 |
| Net charge-offs to loans | 0.1612% | 2,192 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 2.8465% | 3,810 |
| Efficiency ratio | 90.9091% | 779 |
| Assets per employee ($millions) | 6.0498% | 1,299 |
| Cash dividends to net income (ytd only)* | 9.3743% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 6,257 |
| Loan loss allowance to noncurrent loans | 31.5271% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 3,319 |
| Noncurrent loans to loans | 1.8195% | 1,770 |
| Net loans and leases to total assets | 45.8407% | 5,392 |
| Net loans and leases to deposits | 53.7113% | 5,412 |
| Net loans and leases to core deposits | 54.5996% | 5,528 |
| Total domestic deposits to total assets | 85.3465% | 3,190 |
| Equity capital to assets | 6.4342% | 6,452 |
| Core capital (leverage) ratio | 6.8562% | 6,395 |
| Tier 1 risk-based capital ratio | 11.2030% | 5,910 |
| Total risk-based capital ratio | 11.6514% | 6,197 |
| Memoranda: | ||
| Average total assets | $24,728,000 | 6,419 |
| Average earning assets | $23,460,000 | 6,382 |
| Average equity | $1,522,500 | 6,534 |
| Average total loans | $10,753,500 | 6,367 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5242% | 6,472 |
| Cost of funding earning assets | 0.5524% | 2,327 |
| Net interest margin | 1.9717% | 6,528 |
| Noninterest income to average assets | 0.3212% | 4,847 |
| Noninterest expense to average assets | 1.9515% | 5,914 |
| Loan and lease loss provision to assets | 0.0642% | 2,987 |
| Net operating income to assets | 0.3132% | 5,526 |
| Return on assets (ROA) | 0.2409% | 5,805 |
| Pretax return on assets | 0.0964% | 6,103 |
| Return on Equity (ROE) | 3.9709% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.8385% | 3,737 |
| Net charge-offs to loans | 0.2448% | 1,582 |
| Credit loss provision to net charge-offs | 61.5385% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 3,598 |
| Efficiency ratio | 89.3382% | 964 |
| Assets per employee ($millions) | 5.9160% | 1,338 |
| Cash dividends to net income (ytd only)* | 3.3333% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 6,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.8073% | 5,837 |
| Net loans and leases to deposits | 45.3735% | 5,919 |
| Net loans and leases to core deposits | 46.1200% | 5,993 |
| Total domestic deposits to total assets | 87.7324% | 2,067 |
| Equity capital to assets | 6.5585% | 6,492 |
| Core capital (leverage) ratio | 7.0499% | 6,421 |
| Tier 1 risk-based capital ratio | 12.2697% | 5,373 |
| Total risk-based capital ratio | 12.7227% | 5,768 |
| Memoranda: | ||
| Average total assets | $24,904,330 | 6,484 |
| Average earning assets | $23,532,670 | 6,448 |
| Average equity | $1,511,000 | 6,600 |
| Average total loans | $10,619,000 | 6,431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5334% | 6,540 |
| Cost of funding earning assets | 0.5500% | 2,417 |
| Net interest margin | 1.9834% | 6,593 |
| Noninterest income to average assets | 0.4075% | 4,118 |
| Noninterest expense to average assets | 1.9276% | 6,020 |
| Loan and lease loss provision to assets | 0.0627% | 2,868 |
| Net operating income to assets | 0.5485% | 4,462 |
| Return on assets (ROA) | 0.4231% | 5,096 |
| Pretax return on assets | 0.1567% | 5,999 |
| Return on Equity (ROE) | 7.2459% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.9775% | 2,059 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8276% | 1,574 |
| Assets per employee ($millions) | 5.9973% | 1,303 |
| Cash dividends to net income (ytd only)* | 3.7037% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6743% | 6,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.7525% | 5,689 |
| Net loans and leases to deposits | 47.8731% | 5,738 |
| Net loans and leases to core deposits | 48.6521% | 5,843 |
| Total domestic deposits to total assets | 87.2150% | 2,690 |
| Equity capital to assets | 6.3279% | 6,540 |
| Core capital (leverage) ratio | 6.7784% | 6,511 |
| Tier 1 risk-based capital ratio | 11.5994% | 5,864 |
| Total risk-based capital ratio | 12.0933% | 6,172 |
| Memoranda: | ||
| Average total assets | $25,524,500 | 6,540 |
| Average earning assets | $23,999,500 | 6,498 |
| Average equity | $1,490,500 | 6,668 |
| Average total loans | $11,189,000 | 6,477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6846% | 6,552 |
| Cost of funding earning assets | 0.5951% | 2,710 |
| Net interest margin | 2.0895% | 6,624 |
| Noninterest income to average assets | 0.3984% | 4,453 |
| Noninterest expense to average assets | 2.1263% | 5,777 |
| Loan and lease loss provision to assets | 0.0839% | 3,437 |
| Net operating income to assets | 0.1683% | 5,896 |
| Return on assets (ROA) | 0.1803% | 5,937 |
| Pretax return on assets | 0.1887% | 5,966 |
| Return on Equity (ROE) | 2.8724% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.6720% | 4,341 |
| Net charge-offs to loans | 0.4236% | 1,579 |
| Credit loss provision to net charge-offs | 45.4545% | 3,927 |
| Earnings coverage of net charge-offs (x) | 1.4091% | 4,589 |
| Efficiency ratio | 89.1037% | 1,100 |
| Assets per employee ($millions) | 6.7650% | 865 |
| Cash dividends to net income (ytd only)* | 6.9767% | 4,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5206% | 6,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.1959% | 5,563 |
| Net loans and leases to deposits | 51.6928% | 5,647 |
| Net loans and leases to core deposits | 52.4353% | 5,765 |
| Total domestic deposits to total assets | 87.4316% | 2,505 |
| Equity capital to assets | 5.4065% | 6,664 |
| Core capital (leverage) ratio | 6.2130% | 6,630 |
| Tier 1 risk-based capital ratio | 9.7270% | 6,571 |
| Total risk-based capital ratio | 10.1223% | 6,662 |
| Memoranda: | ||
| Average total assets | $23,843,800 | 6,643 |
| Average earning assets | $22,685,200 | 6,604 |
| Average equity | $1,497,000 | 6,757 |
| Average total loans | $10,387,200 | 6,574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6628% | 6,638 |
| Cost of funding earning assets | 0.6173% | 2,668 |
| Net interest margin | 2.0455% | 6,716 |
| Noninterest income to average assets | 0.3935% | 4,581 |
| Noninterest expense to average assets | 2.2048% | 5,597 |
| Loan and lease loss provision to assets | 0.0868% | 3,324 |
| Net operating income to assets | 0.0352% | 6,246 |
| Return on assets (ROA) | 0.0463% | 6,280 |
| Pretax return on assets | 0.0753% | 6,231 |
| Return on Equity (ROE) | 0.7087% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.4430% | 5,792 |
| Net charge-offs to loans | 0.5247% | 1,227 |
| Credit loss provision to net charge-offs | 38.4615% | 3,737 |
| Earnings coverage of net charge-offs (x) | 0.6410% | 4,638 |
| Efficiency ratio | 93.8424% | 746 |
| Assets per employee ($millions) | 5.8315% | 1,357 |
| Cash dividends to net income (ytd only)* | 37.4883% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5896% | 6,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.2617% | 5,522 |
| Net loans and leases to deposits | 52.1909% | 5,695 |
| Net loans and leases to core deposits | 53.0505% | 5,827 |
| Total domestic deposits to total assets | 88.6393% | 1,759 |
| Equity capital to assets | 6.1305% | 6,683 |
| Core capital (leverage) ratio | 6.8710% | 6,612 |
| Tier 1 risk-based capital ratio | 10.6407% | 6,411 |
| Total risk-based capital ratio | 11.0834% | 6,608 |
| Memoranda: | ||
| Average total assets | $23,039,750 | 6,733 |
| Average earning assets | $22,031,500 | 6,694 |
| Average equity | $1,505,500 | 6,835 |
| Average total loans | $9,910,500 | 6,667 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 6,705 |
| Cost of funding earning assets | 0.6396% | 2,589 |
| Net interest margin | 1.9463% | 6,784 |
| Noninterest income to average assets | 0.4707% | 4,023 |
| Noninterest expense to average assets | 2.1182% | 5,835 |
| Loan and lease loss provision to assets | 0.1308% | 2,686 |
| Net operating income to assets | 0.0718% | 6,198 |
| Return on assets (ROA) | 0.0959% | 6,224 |
| Pretax return on assets | 0.1046% | 6,227 |
| Return on Equity (ROE) | 1.4373% | 6,110 |
| Retained earnings to average equity (ytd only) | 1.3066% | 5,370 |
| Net charge-offs to loans | 0.7087% | 924 |
| Credit loss provision to net charge-offs | 44.1176% | 3,340 |
| Earnings coverage of net charge-offs (x) | 0.7059% | 4,285 |
| Efficiency ratio | 91.0112% | 980 |
| Assets per employee ($millions) | 5.4640% | 1,621 |
| Cash dividends to net income (ytd only)* | 9.0909% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 6,455 |
| Loan loss allowance to noncurrent loans | 26.4368% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1942% | 3,360 |
| Noncurrent loans to loans | 2.7725% | 1,636 |
| Net loans and leases to total assets | 42.7571% | 5,845 |
| Net loans and leases to deposits | 48.0784% | 5,977 |
| Net loans and leases to core deposits | 48.9216% | 6,083 |
| Total domestic deposits to total assets | 88.9321% | 1,669 |
| Equity capital to assets | 6.5703% | 6,675 |
| Core capital (leverage) ratio | 7.2307% | 6,552 |
| Tier 1 risk-based capital ratio | 11.9208% | 5,838 |
| Total risk-based capital ratio | 12.4546% | 6,214 |
| Memoranda: | ||
| Average total assets | $22,944,330 | 6,785 |
| Average earning assets | $21,888,000 | 6,747 |
| Average equity | $1,530,670 | 6,881 |
| Average total loans | $9,595,670 | 6,726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6168% | 6,776 |
| Cost of funding earning assets | 0.6273% | 2,859 |
| Net interest margin | 1.9895% | 6,846 |
| Noninterest income to average assets | 0.5109% | 3,705 |
| Noninterest expense to average assets | 2.0606% | 5,981 |
| Loan and lease loss provision to assets | 0.2554% | 1,396 |
| Net operating income to assets | 0.0851% | 6,177 |
| Return on assets (ROA) | 0.1362% | 6,175 |
| Pretax return on assets | 0.1362% | 6,198 |
| Return on Equity (ROE) | 2.0279% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.7744% | 5,101 |
| Net charge-offs to loans | 1.4866% | 369 |
| Credit loss provision to net charge-offs | 41.6667% | 2,724 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 3,634 |
| Efficiency ratio | 85.8156% | 1,538 |
| Assets per employee ($millions) | 5.2378% | 1,938 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 6,419 |
| Loan loss allowance to noncurrent loans | 12.6177% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 2.5345% | 1,811 |
| Noncurrent loans to loans | 6.5145% | 490 |
| Net loans and leases to total assets | 38.5853% | 6,112 |
| Net loans and leases to deposits | 43.6407% | 6,228 |
| Net loans and leases to core deposits | 44.4420% | 6,288 |
| Total domestic deposits to total assets | 88.4158% | 2,056 |
| Equity capital to assets | 7.5510% | 6,579 |
| Core capital (leverage) ratio | 7.2410% | 6,567 |
| Tier 1 risk-based capital ratio | 13.2024% | 5,068 |
| Total risk-based capital ratio | 13.7771% | 5,513 |
| Memoranda: | ||
| Average total assets | $23,488,500 | 6,847 |
| Average earning assets | $22,317,500 | 6,808 |
| Average equity | $1,578,000 | 6,940 |
| Average total loans | $9,686,500 | 6,787 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8748% | 6,829 |
| Cost of funding earning assets | 0.6831% | 3,631 |
| Net interest margin | 2.1917% | 6,878 |
| Noninterest income to average assets | 0.4452% | 4,281 |
| Noninterest expense to average assets | 2.1765% | 5,975 |
| Loan and lease loss provision to assets | 0.0989% | 4,406 |
| Net operating income to assets | 0.1889% | 5,809 |
| Return on assets (ROA) | 0.1889% | 5,982 |
| Pretax return on assets | 0.2473% | 5,915 |
| Return on Equity (ROE) | 2.6961% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.5035% | 4,470 |
| Net charge-offs to loans | 0.1309% | 4,365 |
| Credit loss provision to net charge-offs | 183.3333% | 1,434 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 2,816 |
| Efficiency ratio | 86.2745% | 1,403 |
| Assets per employee ($millions) | 6.5065% | 999 |
| Cash dividends to net income (ytd only)* | 7.1429% | 4,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 6,514 |
| Loan loss allowance to noncurrent loans | 14.2857% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 2.6627% | 1,814 |
| Noncurrent loans to loans | 5.4892% | 676 |
| Net loans and leases to total assets | 42.7803% | 5,921 |
| Net loans and leases to deposits | 49.0917% | 6,026 |
| Net loans and leases to core deposits | 49.8255% | 6,159 |
| Total domestic deposits to total assets | 87.1436% | 2,745 |
| Equity capital to assets | 6.0478% | 6,890 |
| Core capital (leverage) ratio | 6.2965% | 6,825 |
| Tier 1 risk-based capital ratio | 10.0249% | 6,693 |
| Total risk-based capital ratio | 10.6011% | 6,817 |
| Memoranda: | ||
| Average total assets | $22,238,000 | 6,926 |
| Average earning assets | $21,079,800 | 6,884 |
| Average equity | $1,557,800 | 7,019 |
| Average total loans | $9,168,400 | 6,875 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8662% | 6,950 |
| Cost of funding earning assets | 0.7331% | 3,488 |
| Net interest margin | 2.1332% | 7,003 |
| Noninterest income to average assets | 0.4885% | 3,991 |
| Noninterest expense to average assets | 2.2481% | 5,821 |
| Loan and lease loss provision to assets | 0.0250% | 5,472 |
| Net operating income to assets | 0.2004% | 5,915 |
| Return on assets (ROA) | 0.2004% | 6,083 |
| Pretax return on assets | 0.2380% | 6,073 |
| Return on Equity (ROE) | 2.7463% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.4888% | 5,080 |
| Net charge-offs to loans | -0.0308% | 6,579 |
| Credit loss provision to net charge-offs | -200.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5262% | 1,074 |
| Assets per employee ($millions) | 5.5460% | 1,597 |
| Cash dividends to net income (ytd only)* | 9.3743% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,376 |
| Loan loss allowance to noncurrent loans | 29.7872% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5912% | 3,212 |
| Noncurrent loans to loans | 3.0228% | 1,842 |
| Net loans and leases to total assets | 41.6742% | 6,150 |
| Net loans and leases to deposits | 47.8470% | 6,269 |
| Net loans and leases to core deposits | 48.6861% | 6,370 |
| Total domestic deposits to total assets | 87.0988% | 2,603 |
| Equity capital to assets | 7.1358% | 6,857 |
| Core capital (leverage) ratio | 7.3911% | 6,675 |
| Tier 1 risk-based capital ratio | 11.9442% | 5,967 |
| Total risk-based capital ratio | 12.6029% | 6,288 |
| Memoranda: | ||
| Average total assets | $21,291,000 | 7,031 |
| Average earning assets | $20,188,500 | 6,990 |
| Average equity | $1,553,750 | 7,115 |
| Average total loans | $8,655,000 | 6,991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8492% | 7,028 |
| Cost of funding earning assets | 0.7324% | 3,744 |
| Net interest margin | 2.1168% | 7,072 |
| Noninterest income to average assets | 0.4287% | 4,441 |
| Noninterest expense to average assets | 2.2102% | 5,972 |
| Loan and lease loss provision to assets | 0.0095% | 5,538 |
| Net operating income to assets | 0.1810% | 5,974 |
| Return on assets (ROA) | 0.1810% | 6,146 |
| Pretax return on assets | 0.2191% | 6,122 |
| Return on Equity (ROE) | 2.4611% | 5,893 |
| Retained earnings to average equity (ytd only) | 2.3316% | 5,022 |
| Net charge-offs to loans | -0.0712% | 6,767 |
| Credit loss provision to net charge-offs | -33.3333% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 1,025 |
| Assets per employee ($millions) | 4.9170% | 2,274 |
| Cash dividends to net income (ytd only)* | 5.2632% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,046 |
| Loan loss allowance to noncurrent loans | 34.4538% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 3,995 |
| Noncurrent loans to loans | 2.9828% | 1,988 |
| Net loans and leases to total assets | 40.1515% | 6,328 |
| Net loans and leases to deposits | 45.7002% | 6,458 |
| Net loans and leases to core deposits | 46.6010% | 6,545 |
| Total domestic deposits to total assets | 87.8585% | 2,244 |
| Equity capital to assets | 7.9062% | 6,630 |
| Core capital (leverage) ratio | 7.7954% | 6,451 |
| Tier 1 risk-based capital ratio | 13.7467% | 4,626 |
| Total risk-based capital ratio | 14.4922% | 4,979 |
| Memoranda: | ||
| Average total assets | $20,993,330 | 7,094 |
| Average earning assets | $19,935,330 | 7,054 |
| Average equity | $1,544,000 | 7,172 |
| Average total loans | $8,430,330 | 7,056 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8570% | 7,093 |
| Cost of funding earning assets | 0.6997% | 4,282 |
| Net interest margin | 2.1573% | 7,105 |
| Noninterest income to average assets | 0.4802% | 4,060 |
| Noninterest expense to average assets | 2.1426% | 6,171 |
| Loan and lease loss provision to assets | 0.0185% | 5,104 |
| Net operating income to assets | 0.1847% | 6,031 |
| Return on assets (ROA) | 0.1847% | 6,174 |
| Pretax return on assets | 0.3694% | 5,812 |
| Return on Equity (ROE) | 2.5999% | 5,866 |
| Retained earnings to average equity (ytd only) | 2.3399% | 5,093 |
| Net charge-offs to loans | -0.1386% | 6,899 |
| Credit loss provision to net charge-offs | -33.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6715% | 1,617 |
| Assets per employee ($millions) | 4.7540% | 2,583 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,642 |
| Loan loss allowance to noncurrent loans | 83.6735% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 5,575 |
| Noncurrent loans to loans | 1.3956% | 4,017 |
| Net loans and leases to total assets | 36.4956% | 6,591 |
| Net loans and leases to deposits | 41.4997% | 6,680 |
| Net loans and leases to core deposits | 42.3403% | 6,731 |
| Total domestic deposits to total assets | 87.9417% | 2,361 |
| Equity capital to assets | 8.0616% | 6,480 |
| Core capital (leverage) ratio | 8.0564% | 6,205 |
| Tier 1 risk-based capital ratio | 14.9122% | 3,815 |
| Total risk-based capital ratio | 15.7258% | 4,091 |
| Memoranda: | ||
| Average total assets | $21,656,000 | 7,144 |
| Average earning assets | $20,581,000 | 7,103 |
| Average equity | $1,538,500 | 7,230 |
| Average total loans | $8,656,000 | 7,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1310% | 7,144 |
| Cost of funding earning assets | 0.7299% | 5,340 |
| Net interest margin | 2.4012% | 7,102 |
| Noninterest income to average assets | 0.6347% | 2,979 |
| Noninterest expense to average assets | 2.3690% | 5,853 |
| Loan and lease loss provision to assets | 0.0750% | 5,675 |
| Net operating income to assets | 0.3998% | 4,866 |
| Return on assets (ROA) | 0.3998% | 5,040 |
| Pretax return on assets | 0.4598% | 5,103 |
| Return on Equity (ROE) | 5.4742% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.2689% | 2,474 |
| Net charge-offs to loans | 0.0821% | 5,501 |
| Credit loss provision to net charge-offs | 214.2857% | 1,137 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,403 |
| Efficiency ratio | 81.5835% | 2,083 |
| Assets per employee ($millions) | 6.0740% | 1,178 |
| Cash dividends to net income (ytd only)* | 3.7500% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 6,825 |
| Loan loss allowance to noncurrent loans | 65.5462% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 5,743 |
| Noncurrent loans to loans | 1.1565% | 4,434 |
| Net loans and leases to total assets | 42.0316% | 6,385 |
| Net loans and leases to deposits | 48.5546% | 6,457 |
| Net loans and leases to core deposits | 49.3333% | 6,566 |
| Total domestic deposits to total assets | 86.5657% | 3,002 |
| Equity capital to assets | 6.3550% | 7,056 |
| Core capital (leverage) ratio | 7.1896% | 6,795 |
| Tier 1 risk-based capital ratio | 11.1243% | 6,391 |
| Total risk-based capital ratio | 11.7051% | 6,687 |
| Memoranda: | ||
| Average total assets | $20,008,400 | 7,207 |
| Average earning assets | $18,907,400 | 7,164 |
| Average equity | $1,461,400 | 7,293 |
| Average total loans | $8,526,800 | 7,163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2414% | 7,191 |
| Cost of funding earning assets | 0.7824% | 5,263 |
| Net interest margin | 2.4590% | 7,155 |
| Noninterest income to average assets | 0.4365% | 4,391 |
| Noninterest expense to average assets | 2.4784% | 5,537 |
| Loan and lease loss provision to assets | 0.0141% | 6,256 |
| Net operating income to assets | 0.1549% | 5,822 |
| Return on assets (ROA) | 0.1549% | 5,942 |
| Pretax return on assets | 0.2675% | 5,777 |
| Return on Equity (ROE) | 2.0357% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.7581% | 5,264 |
| Net charge-offs to loans | 0.0659% | 5,303 |
| Credit loss provision to net charge-offs | 50.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | 10.0056% | 1,978 |
| Efficiency ratio | 89.7959% | 1,180 |
| Assets per employee ($millions) | 4.5793% | 2,794 |
| Cash dividends to net income (ytd only)* | 13.6379% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 6,804 |
| Loan loss allowance to noncurrent loans | 357.8947% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,798 |
| Noncurrent loans to loans | 0.2264% | 6,421 |
| Net loans and leases to total assets | 45.4387% | 6,196 |
| Net loans and leases to deposits | 52.3854% | 6,334 |
| Net loans and leases to core deposits | 55.2766% | 6,370 |
| Total domestic deposits to total assets | 86.7391% | 2,799 |
| Equity capital to assets | 8.1400% | 6,610 |
| Core capital (leverage) ratio | 8.3595% | 5,912 |
| Tier 1 risk-based capital ratio | 13.5344% | 4,707 |
| Total risk-based capital ratio | 14.1753% | 5,136 |
| Memoranda: | ||
| Average total assets | $18,936,500 | 7,299 |
| Average earning assets | $17,893,250 | 7,260 |
| Average equity | $1,440,750 | 7,371 |
| Average total loans | $8,086,000 | 7,251 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1295% | 7,307 |
| Cost of funding earning assets | 0.7657% | 5,588 |
| Net interest margin | 2.3637% | 7,254 |
| Noninterest income to average assets | 0.4284% | 4,442 |
| Noninterest expense to average assets | 2.4134% | 5,802 |
| Loan and lease loss provision to assets | 0.0209% | 6,025 |
| Net operating income to assets | 0.1881% | 5,777 |
| Return on assets (ROA) | 0.1881% | 5,889 |
| Pretax return on assets | 0.2194% | 5,891 |
| Return on Equity (ROE) | 2.5281% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.2472% | 4,863 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9449% | 1,171 |
| Assets per employee ($millions) | 4.3450% | 3,090 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,340 |
| Loan loss allowance to noncurrent loans | 450.0000% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 6,867 |
| Noncurrent loans to loans | 0.2220% | 6,459 |
| Net loans and leases to total assets | 41.0472% | 6,666 |
| Net loans and leases to deposits | 46.4968% | 6,806 |
| Net loans and leases to core deposits | 47.5220% | 6,877 |
| Total domestic deposits to total assets | 88.2796% | 1,974 |
| Equity capital to assets | 8.4925% | 6,194 |
| Core capital (leverage) ratio | 8.4743% | 5,597 |
| Tier 1 risk-based capital ratio | 15.3525% | 3,322 |
| Total risk-based capital ratio | 16.1238% | 3,535 |
| Memoranda: | ||
| Average total assets | $19,143,000 | 7,368 |
| Average earning assets | $18,022,330 | 7,329 |
| Average equity | $1,424,000 | 7,442 |
| Average total loans | $7,984,330 | 7,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0072% | 7,394 |
| Cost of funding earning assets | 0.7412% | 5,918 |
| Net interest margin | 2.2660% | 7,328 |
| Noninterest income to average assets | 0.4195% | 4,544 |
| Noninterest expense to average assets | 2.3371% | 6,085 |
| Loan and lease loss provision to assets | 0.0400% | 5,493 |
| Net operating income to assets | 0.1998% | 5,783 |
| Return on assets (ROA) | 0.1998% | 5,844 |
| Pretax return on assets | 0.1798% | 5,986 |
| Return on Equity (ROE) | 2.8612% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.2890% | 4,783 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4063% | 1,213 |
| Assets per employee ($millions) | 4.2203% | 3,420 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 6,369 |
| Loan loss allowance to noncurrent loans | 313.0435% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 6,824 |
| Noncurrent loans to loans | 0.3217% | 6,348 |
| Net loans and leases to total assets | 41.9229% | 6,624 |
| Net loans and leases to deposits | 48.2610% | 6,741 |
| Net loans and leases to core deposits | 49.3721% | 6,813 |
| Total domestic deposits to total assets | 86.8669% | 3,013 |
| Equity capital to assets | 8.3644% | 6,091 |
| Core capital (leverage) ratio | 8.4175% | 5,596 |
| Tier 1 risk-based capital ratio | 15.2799% | 3,269 |
| Total risk-based capital ratio | 16.0519% | 3,508 |
| Memoranda: | ||
| Average total assets | $20,024,500 | 7,406 |
| Average earning assets | $18,888,000 | 7,364 |
| Average equity | $1,398,000 | 7,500 |
| Average total loans | $8,373,500 | 7,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 7,303 |
| Cost of funding earning assets | 0.9691% | 5,849 |
| Net interest margin | 2.7367% | 7,095 |
| Noninterest income to average assets | 0.4921% | 4,234 |
| Noninterest expense to average assets | 2.6494% | 5,221 |
| Loan and lease loss provision to assets | 0.0286% | 6,841 |
| Net operating income to assets | 0.3319% | 4,820 |
| Return on assets (ROA) | 0.3319% | 4,979 |
| Pretax return on assets | 0.3834% | 4,998 |
| Return on Equity (ROE) | 4.1751% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.9591% | 3,097 |
| Net charge-offs to loans | 0.0233% | 6,578 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 632 |
| Efficiency ratio | 86.5421% | 1,626 |
| Assets per employee ($millions) | 5.7920% | 1,364 |
| Cash dividends to net income (ytd only)* | 5.1724% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 7,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.1257% | 6,892 |
| Net loans and leases to deposits | 47.1636% | 6,988 |
| Net loans and leases to core deposits | 47.9469% | 7,072 |
| Total domestic deposits to total assets | 87.1979% | 2,715 |
| Equity capital to assets | 5.9738% | 7,345 |
| Core capital (leverage) ratio | 7.2660% | 6,866 |
| Tier 1 risk-based capital ratio | 11.4304% | 5,966 |
| Total risk-based capital ratio | 11.9955% | 6,503 |
| Memoranda: | ||
| Average total assets | $17,475,600 | 7,522 |
| Average earning assets | $16,406,800 | 7,491 |
| Average equity | $1,389,200 | 7,598 |
| Average total loans | $8,581,800 | 7,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 7,280 |
| Cost of funding earning assets | 1.1442% | 5,181 |
| Net interest margin | 2.8561% | 7,070 |
| Noninterest income to average assets | 0.5399% | 3,862 |
| Noninterest expense to average assets | 2.9901% | 3,783 |
| Loan and lease loss provision to assets | 0.0416% | 6,671 |
| Net operating income to assets | -0.0083% | 6,015 |
| Return on assets (ROA) | -0.0083% | 6,145 |
| Pretax return on assets | 0.1828% | 5,768 |
| Return on Equity (ROE) | -0.0956% | 6,146 |
| Retained earnings to average equity (ytd only) | -0.3833% | 5,881 |
| Net charge-offs to loans | 0.0321% | 6,239 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 13.4831% | 1,578 |
| Efficiency ratio | 93.0233% | 1,056 |
| Assets per employee ($millions) | 4.0480% | 3,739 |
| Cash dividends to net income (ytd only)* | -300.7519% | 7,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 6,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.2053% | 5,956 |
| Net loans and leases to deposits | 65.0140% | 5,786 |
| Net loans and leases to core deposits | 66.6692% | 6,068 |
| Total domestic deposits to total assets | 81.8367% | 5,060 |
| Equity capital to assets | 8.5845% | 6,179 |
| Core capital (leverage) ratio | 8.8567% | 4,912 |
| Tier 1 risk-based capital ratio | 13.2281% | 4,401 |
| Total risk-based capital ratio | 13.9100% | 4,829 |
| Memoranda: | ||
| Average total assets | $16,052,500 | 7,647 |
| Average earning assets | $15,031,750 | 7,620 |
| Average equity | $1,390,500 | 7,696 |
| Average total loans | $8,327,750 | 7,552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 7,329 |
| Cost of funding earning assets | 1.1765% | 5,258 |
| Net interest margin | 2.8610% | 7,065 |
| Noninterest income to average assets | 0.5748% | 3,510 |
| Noninterest expense to average assets | 2.9989% | 3,716 |
| Loan and lease loss provision to assets | 0.0625% | 6,325 |
| Net operating income to assets | -0.0375% | 6,126 |
| Return on assets (ROA) | -0.0375% | 6,220 |
| Pretax return on assets | 0.1874% | 5,796 |
| Return on Equity (ROE) | -0.4314% | 6,243 |
| Retained earnings to average equity (ytd only) | -0.5753% | 5,867 |
| Net charge-offs to loans | 0.0487% | 5,704 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,947 |
| Efficiency ratio | 92.3077% | 1,169 |
| Assets per employee ($millions) | 3.8925% | 3,997 |
| Cash dividends to net income (ytd only)* | -33.3333% | 7,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 6,871 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,280 |
| Noncurrent loans to loans | 0.0863% | 7,094 |
| Net loans and leases to total assets | 51.6185% | 6,253 |
| Net loans and leases to deposits | 62.5253% | 6,181 |
| Net loans and leases to core deposits | 69.2248% | 5,949 |
| Total domestic deposits to total assets | 82.5562% | 4,762 |
| Equity capital to assets | 8.9338% | 5,549 |
| Core capital (leverage) ratio | 8.7741% | 4,966 |
| Tier 1 risk-based capital ratio | 13.9710% | 3,751 |
| Total risk-based capital ratio | 14.6917% | 4,071 |
| Memoranda: | ||
| Average total assets | $16,006,000 | 7,710 |
| Average earning assets | $14,959,670 | 7,689 |
| Average equity | $1,390,670 | 7,763 |
| Average total loans | $8,208,670 | 7,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 7,407 |
| Cost of funding earning assets | 1.1335% | 5,744 |
| Net interest margin | 2.9261% | 6,974 |
| Noninterest income to average assets | 0.4931% | 4,099 |
| Noninterest expense to average assets | 3.0325% | 3,553 |
| Loan and lease loss provision to assets | 0.1233% | 5,345 |
| Net operating income to assets | -0.2712% | 6,629 |
| Return on assets (ROA) | -0.2712% | 6,688 |
| Pretax return on assets | 0.0740% | 6,202 |
| Return on Equity (ROE) | -3.1643% | 6,752 |
| Retained earnings to average equity (ytd only) | -3.4520% | 6,421 |
| Net charge-offs to loans | 0.0969% | 4,452 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,724 |
| Efficiency ratio | 93.8931% | 1,138 |
| Assets per employee ($millions) | 3.9685% | 3,952 |
| Cash dividends to net income (ytd only)* | -9.0909% | 7,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 7,057 |
| Loan loss allowance to noncurrent loans | 18.9702% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 2.3246% | 3,123 |
| Noncurrent loans to loans | 4.3669% | 1,731 |
| Net loans and leases to total assets | 52.7907% | 6,183 |
| Net loans and leases to deposits | 64.3033% | 6,028 |
| Net loans and leases to core deposits | 71.5933% | 5,755 |
| Total domestic deposits to total assets | 82.0965% | 5,036 |
| Equity capital to assets | 8.6809% | 5,758 |
| Core capital (leverage) ratio | 9.2728% | 4,097 |
| Tier 1 risk-based capital ratio | 13.6373% | 3,903 |
| Total risk-based capital ratio | 14.3449% | 4,237 |
| Memoranda: | ||
| Average total assets | $16,224,000 | 7,808 |
| Average earning assets | $15,174,000 | 7,778 |
| Average equity | $1,390,500 | 7,849 |
| Average total loans | $8,259,500 | 7,717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 6,655 |
| Cost of funding earning assets | 1.4684% | 5,641 |
| Net interest margin | 3.4570% | 5,137 |
| Noninterest income to average assets | 0.7903% | 2,455 |
| Noninterest expense to average assets | 3.5486% | 2,275 |
| Loan and lease loss provision to assets | 0.0608% | 6,954 |
| Net operating income to assets | 0.2508% | 4,718 |
| Return on assets (ROA) | 0.2508% | 4,798 |
| Pretax return on assets | 0.3115% | 4,730 |
| Return on Equity (ROE) | 2.4116% | 4,743 |
| Retained earnings to average equity (ytd only) | 2.1923% | 3,574 |
| Net charge-offs to loans | 0.0144% | 7,018 |
| Credit loss provision to net charge-offs | 800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 525 |
| Efficiency ratio | 90.5039% | 1,670 |
| Assets per employee ($millions) | 4.1435% | 3,533 |
| Cash dividends to net income (ytd only)* | 9.0909% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 7,046 |
| Loan loss allowance to noncurrent loans | 957.1429% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,401 |
| Noncurrent loans to loans | 0.0868% | 7,195 |
| Net loans and leases to total assets | 48.2804% | 6,790 |
| Net loans and leases to deposits | 53.1624% | 7,104 |
| Net loans and leases to core deposits | 66.5779% | 6,953 |
| Total domestic deposits to total assets | 90.8169% | 607 |
| Equity capital to assets | 8.4651% | 5,939 |
| Core capital (leverage) ratio | 8.3120% | 5,589 |
| Tier 1 risk-based capital ratio | 13.9105% | 3,560 |
| Total risk-based capital ratio | 14.5953% | 3,861 |
| Memoranda: | ||
| Average total assets | $13,160,200 | 7,931 |
| Average earning assets | $11,918,000 | 7,915 |
| Average equity | $1,368,400 | 7,945 |
| Average total loans | $6,966,200 | 7,826 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 6,013 |
| Cost of funding earning assets | 1.6185% | 5,317 |
| Net interest margin | 3.5511% | 4,668 |
| Noninterest income to average assets | 0.8776% | 2,072 |
| Noninterest expense to average assets | 3.7269% | 1,758 |
| Loan and lease loss provision to assets | 0.0433% | 6,938 |
| Net operating income to assets | 0.2167% | 5,097 |
| Return on assets (ROA) | 0.2167% | 5,181 |
| Pretax return on assets | 0.2925% | 5,084 |
| Return on Equity (ROE) | 1.9614% | 5,175 |
| Retained earnings to average equity (ytd only) | 1.6672% | 4,378 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7333% | 1,560 |
| Assets per employee ($millions) | 3.3515% | 5,250 |
| Cash dividends to net income (ytd only)* | 14.9981% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 6,846 |
| Loan loss allowance to noncurrent loans | 376.4706% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 6,587 |
| Noncurrent loans to loans | 0.2340% | 6,915 |
| Net loans and leases to total assets | 53.7222% | 6,416 |
| Net loans and leases to deposits | 60.4144% | 6,796 |
| Net loans and leases to core deposits | 79.0820% | 6,415 |
| Total domestic deposits to total assets | 88.9229% | 1,232 |
| Equity capital to assets | 10.3163% | 3,713 |
| Core capital (leverage) ratio | 10.2885% | 2,987 |
| Tier 1 risk-based capital ratio | 15.9150% | 2,661 |
| Total risk-based capital ratio | 16.6706% | 2,800 |
| Memoranda: | ||
| Average total assets | $12,306,750 | 8,025 |
| Average earning assets | $11,038,500 | 8,006 |
| Average equity | $1,359,750 | 8,029 |
| Average total loans | $6,690,500 | 7,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 5,759 |
| Cost of funding earning assets | 1.7211% | 5,169 |
| Net interest margin | 3.5557% | 4,551 |
| Noninterest income to average assets | 0.8542% | 2,162 |
| Noninterest expense to average assets | 3.8357% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1340% | 5,466 |
| Return on assets (ROA) | 0.1340% | 5,570 |
| Pretax return on assets | 0.1675% | 5,545 |
| Return on Equity (ROE) | 1.1834% | 5,579 |
| Retained earnings to average equity (ytd only) | 1.0355% | 4,748 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8159% | 1,390 |
| Assets per employee ($millions) | 3.1513% | 5,715 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,808 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 6,451 |
| Noncurrent loans to loans | 0.2974% | 6,769 |
| Net loans and leases to total assets | 52.8679% | 6,581 |
| Net loans and leases to deposits | 59.7936% | 6,905 |
| Net loans and leases to core deposits | 80.5415% | 6,360 |
| Total domestic deposits to total assets | 88.4173% | 1,569 |
| Equity capital to assets | 10.7180% | 3,185 |
| Core capital (leverage) ratio | 11.7055% | 1,974 |
| Tier 1 risk-based capital ratio | 16.7146% | 2,392 |
| Total risk-based capital ratio | 17.4647% | 2,493 |
| Memoranda: | ||
| Average total assets | $11,940,330 | 8,118 |
| Average earning assets | $10,574,670 | 8,102 |
| Average equity | $1,352,000 | 8,113 |
| Average total loans | $6,498,670 | 8,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7441% | 3,566 |
| Cost of funding earning assets | 1.8076% | 5,080 |
| Net interest margin | 3.9365% | 2,902 |
| Noninterest income to average assets | 0.7926% | 2,367 |
| Noninterest expense to average assets | 3.6871% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3101% | 5,261 |
| Return on assets (ROA) | 0.3101% | 5,436 |
| Pretax return on assets | 0.4824% | 5,133 |
| Return on Equity (ROE) | 2.6617% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.3660% | 4,558 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4298% | 1,856 |
| Assets per employee ($millions) | 2.8383% | 6,556 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 6,686 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.3251% | 6,550 |
| Net loans and leases to deposits | 64.6105% | 6,500 |
| Net loans and leases to core deposits | 90.8873% | 5,464 |
| Total domestic deposits to total assets | 82.5333% | 4,362 |
| Equity capital to assets | 11.8911% | 2,331 |
| Core capital (leverage) ratio | 11.7590% | 2,018 |
| Tier 1 risk-based capital ratio | 19.0199% | 1,806 |
| Total risk-based capital ratio | 19.8722% | 1,851 |
| Memoranda: | ||
| Average total assets | $11,608,000 | 8,168 |
| Average earning assets | $9,958,000 | 8,163 |
| Average equity | $1,352,500 | 8,173 |
| Average total loans | $6,386,000 | 8,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9381% | 5,863 |
| Cost of funding earning assets | 1.9423% | 6,607 |
| Net interest margin | 3.9958% | 3,134 |
| Noninterest income to average assets | 0.6202% | 3,715 |
| Noninterest expense to average assets | 4.0176% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1666% | 5,945 |
| Return on assets (ROA) | 0.1666% | 5,778 |
| Pretax return on assets | 0.2592% | 5,610 |
| Return on Equity (ROE) | 1.3585% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.2075% | 4,502 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9394% | 1,282 |
| Assets per employee ($millions) | 2.9658% | 6,132 |
| Cash dividends to net income (ytd only)* | 11.1111% | 4,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,674 |
| Loan loss allowance to noncurrent loans | 666.6667% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 6,257 |
| Noncurrent loans to loans | 0.1352% | 7,013 |
| Net loans and leases to total assets | 55.6183% | 6,472 |
| Net loans and leases to deposits | 63.5095% | 6,842 |
| Net loans and leases to core deposits | 83.6460% | 6,327 |
| Total domestic deposits to total assets | 87.5748% | 1,678 |
| Equity capital to assets | 11.4221% | 2,685 |
| Core capital (leverage) ratio | 11.9383% | 1,996 |
| Tier 1 risk-based capital ratio | 18.2079% | 1,990 |
| Total risk-based capital ratio | 19.0287% | 2,035 |
| Memoranda: | ||
| Average total assets | $10,802,600 | 8,236 |
| Average earning assets | $9,885,400 | 8,219 |
| Average equity | $1,325,000 | 8,240 |
| Average total loans | $6,238,000 | 8,116 |