| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7368% | 200 |
| Cost of funding earning assets | 3.6107% | 153 |
| Net interest margin | 4.1261% | 1,022 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.6799% | 1,791 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.0158% | 1,999 |
| Return on assets (ROA) | 1.0158% | 1,997 |
| Pretax return on assets | 1.3733% | 1,573 |
| Return on Equity (ROE) | 9.9500% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.9521% | 597 |
| Net charge-offs to loans | -0.0079% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.4686% | 2,774 |
| Assets per employee ($millions) | 7.2926% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0579% | 2,907 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 80.3200% | 620 |
| Net loans and leases to deposits | 90.3442% | 1,187 |
| Net loans and leases to core deposits | 105.5611% | 1,151 |
| Total domestic deposits to total assets | 88.9000% | 1,196 |
| Equity capital to assets | 10.2879% | 1,973 |
| Core capital (leverage) ratio | 10.4503% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $110,752,400 | 3,689 |
| Average earning assets | $107,292,200 | 3,631 |
| Average equity | $11,304,200 | 3,656 |
| Average total loans | $89,080,000 | 3,307 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6588% | 212 |
| Cost of funding earning assets | 3.5310% | 185 |
| Net interest margin | 4.1277% | 984 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.7210% | 1,627 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.9639% | 2,173 |
| Return on assets (ROA) | 0.9639% | 2,174 |
| Pretax return on assets | 1.3080% | 1,744 |
| Return on Equity (ROE) | 9.4600% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.4643% | 973 |
| Net charge-offs to loans | -0.0076% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.1914% | 2,692 |
| Assets per employee ($millions) | 7.8976% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0414% | 3,035 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 79.2500% | 722 |
| Net loans and leases to deposits | 88.4199% | 1,387 |
| Net loans and leases to core deposits | 102.3102% | 1,344 |
| Total domestic deposits to total assets | 89.6300% | 696 |
| Equity capital to assets | 9.9321% | 2,342 |
| Core capital (leverage) ratio | 10.6118% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $109,270,250 | 3,709 |
| Average earning assets | $105,915,000 | 3,659 |
| Average equity | $11,129,250 | 3,678 |
| Average total loans | $87,671,000 | 3,335 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3787% | 253 |
| Cost of funding earning assets | 3.4708% | 186 |
| Net interest margin | 3.9079% | 1,259 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.3878% | 2,553 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.1035% | 1,714 |
| Return on assets (ROA) | 1.1035% | 1,713 |
| Pretax return on assets | 1.4707% | 1,339 |
| Return on Equity (ROE) | 10.7400% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.7356% | 739 |
| Net charge-offs to loans | -0.0141% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.6355% | 3,339 |
| Assets per employee ($millions) | 8.4890% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0491% | 3,032 |
| Loan loss allowance to noncurrent loans | 394.0678% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 2,340 |
| Noncurrent loans to loans | 0.2662% | 2,415 |
| Net loans and leases to total assets | 79.4900% | 730 |
| Net loans and leases to deposits | 89.1844% | 1,369 |
| Net loans and leases to core deposits | 103.3130% | 1,291 |
| Total domestic deposits to total assets | 89.1300% | 968 |
| Equity capital to assets | 10.2295% | 1,955 |
| Core capital (leverage) ratio | 10.9121% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $106,205,667 | 3,756 |
| Average earning assets | $102,972,000 | 3,700 |
| Average equity | $10,917,000 | 3,687 |
| Average total loans | $85,270,000 | 3,373 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2406% | 262 |
| Cost of funding earning assets | 3.4004% | 193 |
| Net interest margin | 3.8403% | 1,305 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.3663% | 2,603 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.0986% | 1,664 |
| Return on assets (ROA) | 1.0986% | 1,674 |
| Pretax return on assets | 1.4751% | 1,295 |
| Return on Equity (ROE) | 10.6600% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.6607% | 965 |
| Net charge-offs to loans | -0.0096% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.0504% | 3,350 |
| Assets per employee ($millions) | 7.9991% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0593% | 3,006 |
| Loan loss allowance to noncurrent loans | 65.6827% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 383 |
| Noncurrent loans to loans | 1.6127% | 474 |
| Net loans and leases to total assets | 79.9400% | 625 |
| Net loans and leases to deposits | 89.7237% | 1,223 |
| Net loans and leases to core deposits | 104.9158% | 1,160 |
| Total domestic deposits to total assets | 89.1000% | 1,076 |
| Equity capital to assets | 10.4406% | 1,758 |
| Core capital (leverage) ratio | 10.7676% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $104,130,000 | 3,794 |
| Average earning assets | $100,930,500 | 3,740 |
| Average equity | $10,731,000 | 3,709 |
| Average total loans | $83,580,000 | 3,395 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7495% | 275 |
| Cost of funding earning assets | 2.2556% | 587 |
| Net interest margin | 4.4939% | 621 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5116% | 2,261 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4176% | 1,187 |
| Return on assets (ROA) | 1.4176% | 1,158 |
| Pretax return on assets | 1.8947% | 778 |
| Return on Equity (ROE) | 13.9200% | 1,501 |
| Retained earnings to average equity (ytd only) | 13.9205% | 408 |
| Net charge-offs to loans | -0.0118% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.6653% | 3,700 |
| Assets per employee ($millions) | 7.4480% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0560% | 3,041 |
| Loan loss allowance to noncurrent loans | 64.7970% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2995% | 321 |
| Noncurrent loans to loans | 1.6298% | 394 |
| Net loans and leases to total assets | 78.8900% | 773 |
| Net loans and leases to deposits | 88.2338% | 1,410 |
| Net loans and leases to core deposits | 100.5943% | 1,400 |
| Total domestic deposits to total assets | 89.4100% | 942 |
| Equity capital to assets | 10.1705% | 1,907 |
| Core capital (leverage) ratio | 11.0244% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $95,794,000 | 3,862 |
| Average earning assets | $92,748,000 | 3,812 |
| Average equity | $9,755,400 | 3,746 |
| Average total loans | $76,578,000 | 3,461 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6064% | 279 |
| Cost of funding earning assets | 2.0060% | 699 |
| Net interest margin | 4.6004% | 529 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.5791% | 2,006 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.4902% | 1,145 |
| Return on assets (ROA) | 1.4902% | 1,122 |
| Pretax return on assets | 1.9685% | 782 |
| Return on Equity (ROE) | 14.6300% | 1,519 |
| Retained earnings to average equity (ytd only) | 14.6282% | 598 |
| Net charge-offs to loans | -0.0071% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.9195% | 3,595 |
| Assets per employee ($millions) | 6.8679% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0548% | 3,095 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.4200% | 718 |
| Net loans and leases to deposits | 89.2356% | 1,292 |
| Net loans and leases to core deposits | 98.6780% | 1,402 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 10.5294% | 1,544 |
| Core capital (leverage) ratio | 11.4176% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $93,674,500 | 3,897 |
| Average earning assets | $90,657,500 | 3,842 |
| Average equity | $9,543,000 | 3,765 |
| Average total loans | $74,937,250 | 3,486 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4826% | 265 |
| Cost of funding earning assets | 1.8331% | 696 |
| Net interest margin | 4.6495% | 494 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.5568% | 2,042 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.5315% | 1,050 |
| Return on assets (ROA) | 1.5315% | 1,046 |
| Pretax return on assets | 2.0205% | 721 |
| Return on Equity (ROE) | 15.2100% | 1,428 |
| Retained earnings to average equity (ytd only) | 15.2096% | 542 |
| Net charge-offs to loans | -0.0054% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.8059% | 3,712 |
| Assets per employee ($millions) | 6.5931% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0548% | 3,164 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.5000% | 473 |
| Net loans and leases to deposits | 91.7719% | 1,041 |
| Net loans and leases to core deposits | 100.2879% | 1,220 |
| Total domestic deposits to total assets | 88.8100% | 1,318 |
| Equity capital to assets | 10.5001% | 1,602 |
| Core capital (leverage) ratio | 11.0651% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $92,849,333 | 3,916 |
| Average earning assets | $89,902,000 | 3,867 |
| Average equity | $9,349,333 | 3,814 |
| Average total loans | $74,192,333 | 3,502 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3563% | 211 |
| Cost of funding earning assets | 1.6755% | 611 |
| Net interest margin | 4.6808% | 459 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.5472% | 2,117 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.3917% | 1,431 |
| Return on assets (ROA) | 1.3917% | 1,404 |
| Pretax return on assets | 1.9931% | 791 |
| Return on Equity (ROE) | 14.1200% | 1,754 |
| Retained earnings to average equity (ytd only) | 14.1207% | 922 |
| Net charge-offs to loans | -0.0109% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.1344% | 3,766 |
| Assets per employee ($millions) | 7.3019% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0553% | 3,268 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.7200% | 682 |
| Net loans and leases to deposits | 87.6532% | 1,234 |
| Net loans and leases to core deposits | 93.4496% | 1,426 |
| Total domestic deposits to total assets | 89.8100% | 1,227 |
| Equity capital to assets | 9.8530% | 1,896 |
| Core capital (leverage) ratio | 10.7187% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $93,122,000 | 3,967 |
| Average earning assets | $90,241,000 | 3,913 |
| Average equity | $9,178,000 | 3,873 |
| Average total loans | $73,272,500 | 3,553 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7724% | 453 |
| Cost of funding earning assets | 0.8878% | 262 |
| Net interest margin | 3.8846% | 989 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.5110% | 2,079 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9925% | 2,599 |
| Return on assets (ROA) | 0.9925% | 2,546 |
| Pretax return on assets | 1.3821% | 1,815 |
| Return on Equity (ROE) | 9.9400% | 2,830 |
| Retained earnings to average equity (ytd only) | 9.9383% | 1,177 |
| Net charge-offs to loans | -0.0108% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2338% | 3,026 |
| Assets per employee ($millions) | 7.0245% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0574% | 3,089 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 76.9500% | 903 |
| Net loans and leases to deposits | 85.7914% | 1,329 |
| Net loans and leases to core deposits | 89.1706% | 1,546 |
| Total domestic deposits to total assets | 89.6900% | 1,490 |
| Equity capital to assets | 9.8588% | 1,783 |
| Core capital (leverage) ratio | 10.3743% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $87,256,400 | 4,045 |
| Average earning assets | $84,925,200 | 3,981 |
| Average equity | $8,713,800 | 4,022 |
| Average total loans | $64,899,800 | 3,661 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4140% | 570 |
| Cost of funding earning assets | 0.7600% | 189 |
| Net interest margin | 3.6540% | 1,259 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.4814% | 2,066 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8658% | 3,017 |
| Return on assets (ROA) | 0.8658% | 2,988 |
| Pretax return on assets | 1.1935% | 2,393 |
| Return on Equity (ROE) | 8.6400% | 3,129 |
| Retained earnings to average equity (ytd only) | 8.6403% | 1,773 |
| Net charge-offs to loans | -0.0126% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7841% | 2,715 |
| Assets per employee ($millions) | 6.6231% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0658% | 3,170 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.6800% | 1,210 |
| Net loans and leases to deposits | 81.5649% | 1,475 |
| Net loans and leases to core deposits | 84.8607% | 1,596 |
| Total domestic deposits to total assets | 89.1100% | 2,042 |
| Equity capital to assets | 9.2975% | 2,019 |
| Core capital (leverage) ratio | 10.3570% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $86,240,750 | 4,084 |
| Average earning assets | $84,033,000 | 4,022 |
| Average equity | $8,641,500 | 4,075 |
| Average total loans | $63,369,500 | 3,699 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2512% | 568 |
| Cost of funding earning assets | 0.6947% | 162 |
| Net interest margin | 3.5565% | 1,167 |
| Noninterest income to average assets | 0.2402% | 3,733 |
| Noninterest expense to average assets | 2.5404% | 1,810 |
| Loan and lease loss provision to assets | 0.1237% | 795 |
| Net operating income to assets | 0.7778% | 3,037 |
| Return on assets (ROA) | 0.7778% | 3,002 |
| Pretax return on assets | 1.0466% | 2,581 |
| Return on Equity (ROE) | 7.5622% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.5622% | 1,783 |
| Net charge-offs to loans | -0.0129% | 3,693 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9615% | 2,517 |
| Assets per employee ($millions) | 6.5669% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0623% | 3,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.1704% | 805 |
| Net loans and leases to deposits | 83.7582% | 1,139 |
| Net loans and leases to core deposits | 87.0272% | 1,267 |
| Total domestic deposits to total assets | 89.7470% | 1,820 |
| Equity capital to assets | 10.0961% | 1,662 |
| Core capital (leverage) ratio | 10.3029% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8294% | 1,475 |
| Memoranda: |
| Average total assets | $84,079,667 | 4,151 |
| Average earning assets | $82,047,333 | 4,097 |
| Average equity | $8,648,333 | 4,135 |
| Average total loans | $61,786,333 | 3,760 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0260% | 733 |
| Cost of funding earning assets | 0.6898% | 158 |
| Net interest margin | 3.3363% | 1,479 |
| Noninterest income to average assets | 0.2014% | 3,957 |
| Noninterest expense to average assets | 2.5169% | 1,847 |
| Loan and lease loss provision to assets | 0.0719% | 1,145 |
| Net operating income to assets | 0.6137% | 3,355 |
| Return on assets (ROA) | 0.6137% | 3,335 |
| Pretax return on assets | 0.8821% | 2,846 |
| Return on Equity (ROE) | 5.9102% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.9102% | 2,277 |
| Net charge-offs to loans | -0.0133% | 3,707 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8895% | 2,245 |
| Assets per employee ($millions) | 6.6126% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0650% | 3,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.2410% | 997 |
| Net loans and leases to deposits | 78.3053% | 1,265 |
| Net loans and leases to core deposits | 79.7786% | 1,499 |
| Total domestic deposits to total assets | 89.7015% | 1,716 |
| Equity capital to assets | 9.9786% | 1,904 |
| Core capital (leverage) ratio | 10.4727% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $83,434,500 | 4,176 |
| Average earning assets | $81,768,000 | 4,113 |
| Average equity | $8,663,000 | 4,189 |
| Average total loans | $60,248,500 | 3,791 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1741% | 1,038 |
| Cost of funding earning assets | 0.9455% | 89 |
| Net interest margin | 3.2286% | 2,521 |
| Noninterest income to average assets | 0.2164% | 4,068 |
| Noninterest expense to average assets | 2.5432% | 2,046 |
| Loan and lease loss provision to assets | 0.0255% | 2,550 |
| Net operating income to assets | 0.5817% | 3,918 |
| Return on assets (ROA) | 0.5817% | 3,957 |
| Pretax return on assets | 0.8032% | 3,721 |
| Return on Equity (ROE) | 5.3432% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.3432% | 2,648 |
| Net charge-offs to loans | -0.0106% | 3,762 |
| Credit loss provision to net charge-offs | -333.3333% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4802% | 1,457 |
| Assets per employee ($millions) | 6.2235% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0645% | 3,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.7174% | 784 |
| Net loans and leases to deposits | 81.7724% | 1,084 |
| Net loans and leases to core deposits | 84.5336% | 1,294 |
| Total domestic deposits to total assets | 88.9265% | 1,549 |
| Equity capital to assets | 10.8127% | 1,930 |
| Core capital (leverage) ratio | 10.7181% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $78,561,000 | 4,239 |
| Average earning assets | $76,782,400 | 4,173 |
| Average equity | $8,553,000 | 4,287 |
| Average total loans | $56,503,800 | 3,886 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1612% | 1,163 |
| Cost of funding earning assets | 1.0118% | 82 |
| Net interest margin | 3.1493% | 2,899 |
| Noninterest income to average assets | 0.2120% | 4,134 |
| Noninterest expense to average assets | 2.5666% | 1,936 |
| Loan and lease loss provision to assets | 0.0167% | 2,673 |
| Net operating income to assets | 0.5130% | 4,178 |
| Return on assets (ROA) | 0.5130% | 4,223 |
| Pretax return on assets | 0.7045% | 4,062 |
| Return on Equity (ROE) | 4.7034% | 4,184 |
| Retained earnings to average equity (ytd only) | 4.7034% | 3,329 |
| Net charge-offs to loans | -0.0120% | 3,748 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0390% | 1,122 |
| Assets per employee ($millions) | 5.6420% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1276% | 3,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.0472% | 1,185 |
| Net loans and leases to deposits | 77.7042% | 1,509 |
| Net loans and leases to core deposits | 80.8944% | 1,663 |
| Total domestic deposits to total assets | 88.8591% | 1,364 |
| Equity capital to assets | 10.9244% | 2,069 |
| Core capital (leverage) ratio | 10.5994% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0242% | 1,131 |
| Memoranda: |
| Average total assets | $77,975,000 | 4,299 |
| Average earning assets | $76,162,750 | 4,235 |
| Average equity | $8,504,250 | 4,351 |
| Average total loans | $55,763,500 | 3,948 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2097% | 1,173 |
| Cost of funding earning assets | 1.0716% | 77 |
| Net interest margin | 3.1381% | 2,933 |
| Noninterest income to average assets | 0.2190% | 4,096 |
| Noninterest expense to average assets | 2.6302% | 1,773 |
| Loan and lease loss provision to assets | 0.0258% | 2,457 |
| Net operating income to assets | 0.6260% | 3,927 |
| Return on assets (ROA) | 0.6260% | 3,986 |
| Pretax return on assets | 0.6260% | 4,195 |
| Return on Equity (ROE) | 5.7429% | 3,969 |
| Retained earnings to average equity (ytd only) | 5.7429% | 2,908 |
| Net charge-offs to loans | -0.0143% | 3,830 |
| Credit loss provision to net charge-offs | -250.0000% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0801% | 985 |
| Assets per employee ($millions) | 5.5765% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0782% | 3,506 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,989 |
| Noncurrent loans to loans | 0.0539% | 3,905 |
| Net loans and leases to total assets | 72.8632% | 868 |
| Net loans and leases to deposits | 81.9373% | 1,231 |
| Net loans and leases to core deposits | 85.9381% | 1,421 |
| Total domestic deposits to total assets | 88.9255% | 1,316 |
| Equity capital to assets | 10.9887% | 1,984 |
| Core capital (leverage) ratio | 10.5206% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $77,637,333 | 4,328 |
| Average earning assets | $75,777,667 | 4,263 |
| Average equity | $8,462,667 | 4,373 |
| Average total loans | $55,964,333 | 3,972 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8333% | 2,002 |
| Cost of funding earning assets | 1.1141% | 79 |
| Net interest margin | 2.7192% | 3,921 |
| Noninterest income to average assets | 0.2067% | 4,144 |
| Noninterest expense to average assets | 2.4184% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4496% | 4,275 |
| Return on assets (ROA) | 0.4496% | 4,309 |
| Pretax return on assets | 0.4496% | 4,422 |
| Return on Equity (ROE) | 4.1468% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.1468% | 3,463 |
| Net charge-offs to loans | -0.0145% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9009% | 761 |
| Assets per employee ($millions) | 5.6315% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1240% | 3,315 |
| Loan loss allowance to noncurrent loans | 3,383.3333% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,206 |
| Noncurrent loans to loans | 0.0332% | 4,115 |
| Net loans and leases to total assets | 67.9507% | 1,541 |
| Net loans and leases to deposits | 76.1467% | 1,892 |
| Net loans and leases to core deposits | 79.3874% | 2,065 |
| Total domestic deposits to total assets | 89.2366% | 1,213 |
| Equity capital to assets | 10.6924% | 2,092 |
| Core capital (leverage) ratio | 10.4100% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8544% | 1,346 |
| Memoranda: |
| Average total assets | $77,408,000 | 4,347 |
| Average earning assets | $75,757,000 | 4,282 |
| Average equity | $8,392,000 | 4,397 |
| Average total loans | $55,160,000 | 4,005 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5053% | 1,300 |
| Cost of funding earning assets | 1.4251% | 112 |
| Net interest margin | 3.0802% | 3,676 |
| Noninterest income to average assets | 0.2262% | 4,144 |
| Noninterest expense to average assets | 2.7202% | 2,175 |
| Loan and lease loss provision to assets | 0.1481% | 2,523 |
| Net operating income to assets | 0.3703% | 4,304 |
| Return on assets (ROA) | 0.3703% | 4,383 |
| Pretax return on assets | 0.3703% | 4,459 |
| Return on Equity (ROE) | 3.3643% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.3643% | 3,145 |
| Net charge-offs to loans | -0.0186% | 4,402 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7484% | 833 |
| Assets per employee ($millions) | 5.4268% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0813% | 3,550 |
| Loan loss allowance to noncurrent loans | 15,175.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,429 |
| Noncurrent loans to loans | 0.0071% | 4,365 |
| Net loans and leases to total assets | 73.0911% | 1,149 |
| Net loans and leases to deposits | 82.1744% | 1,647 |
| Net loans and leases to core deposits | 85.8099% | 1,885 |
| Total domestic deposits to total assets | 88.9464% | 1,009 |
| Equity capital to assets | 10.9957% | 2,255 |
| Core capital (leverage) ratio | 10.1439% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6683% | 1,355 |
| Memoranda: |
| Average total assets | $74,259,600 | 4,319 |
| Average earning assets | $72,624,800 | 4,260 |
| Average equity | $8,174,000 | 4,404 |
| Average total loans | $53,857,600 | 4,024 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6114% | 1,272 |
| Cost of funding earning assets | 1.4891% | 126 |
| Net interest margin | 3.1223% | 3,683 |
| Noninterest income to average assets | 0.2456% | 4,007 |
| Noninterest expense to average assets | 2.7738% | 2,044 |
| Loan and lease loss provision to assets | 0.1801% | 2,183 |
| Net operating income to assets | 0.3431% | 4,373 |
| Return on assets (ROA) | 0.3431% | 4,429 |
| Pretax return on assets | 0.3431% | 4,500 |
| Return on Equity (ROE) | 3.1163% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.1163% | 3,467 |
| Net charge-offs to loans | -0.0200% | 4,424 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9419% | 801 |
| Assets per employee ($millions) | 6.4961% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0981% | 3,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 68.7466% | 2,145 |
| Net loans and leases to deposits | 76.9783% | 2,655 |
| Net loans and leases to core deposits | 80.2786% | 2,821 |
| Total domestic deposits to total assets | 89.3064% | 644 |
| Equity capital to assets | 10.6205% | 2,688 |
| Core capital (leverage) ratio | 10.1719% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6766% | 1,103 |
| Memoranda: |
| Average total assets | $73,830,750 | 4,337 |
| Average earning assets | $72,167,000 | 4,270 |
| Average equity | $8,129,000 | 4,424 |
| Average total loans | $53,287,500 | 4,061 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7372% | 1,315 |
| Cost of funding earning assets | 1.5894% | 121 |
| Net interest margin | 3.1478% | 3,791 |
| Noninterest income to average assets | 0.2567% | 3,935 |
| Noninterest expense to average assets | 2.8624% | 1,937 |
| Loan and lease loss provision to assets | 0.2484% | 1,693 |
| Net operating income to assets | 0.2236% | 4,534 |
| Return on assets (ROA) | 0.2236% | 4,573 |
| Pretax return on assets | 0.2236% | 4,609 |
| Return on Equity (ROE) | 2.0052% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.0052% | 3,750 |
| Net charge-offs to loans | -0.0075% | 4,126 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6159% | 719 |
| Assets per employee ($millions) | 6.3008% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0332% | 3,397 |
| Loan loss allowance to noncurrent loans | 11,580.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,553 |
| Noncurrent loans to loans | 0.0089% | 4,483 |
| Net loans and leases to total assets | 73.3524% | 1,502 |
| Net loans and leases to deposits | 82.3010% | 2,171 |
| Net loans and leases to core deposits | 85.9394% | 2,445 |
| Total domestic deposits to total assets | 89.1270% | 704 |
| Equity capital to assets | 10.8082% | 2,490 |
| Core capital (leverage) ratio | 10.4465% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1111% | 1,226 |
| Memoranda: |
| Average total assets | $72,456,667 | 4,362 |
| Average earning assets | $70,843,333 | 4,293 |
| Average equity | $8,079,000 | 4,449 |
| Average total loans | $52,988,333 | 4,081 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7708% | 1,501 |
| Cost of funding earning assets | 1.6288% | 171 |
| Net interest margin | 3.1421% | 4,005 |
| Noninterest income to average assets | 0.2709% | 3,913 |
| Noninterest expense to average assets | 2.8386% | 2,312 |
| Loan and lease loss provision to assets | 0.3386% | 909 |
| Net operating income to assets | 0.1637% | 4,579 |
| Return on assets (ROA) | 0.1637% | 4,584 |
| Pretax return on assets | 0.1637% | 4,605 |
| Return on Equity (ROE) | 1.4441% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.4441% | 3,617 |
| Net charge-offs to loans | -0.0078% | 3,988 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7568% | 992 |
| Assets per employee ($millions) | 5.5934% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0498% | 3,448 |
| Loan loss allowance to noncurrent loans | 9,133.3333% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,605 |
| Noncurrent loans to loans | 0.0115% | 4,529 |
| Net loans and leases to total assets | 71.0358% | 2,087 |
| Net loans and leases to deposits | 80.0003% | 2,680 |
| Net loans and leases to core deposits | 83.9231% | 2,859 |
| Total domestic deposits to total assets | 88.7945% | 760 |
| Equity capital to assets | 11.1299% | 2,750 |
| Core capital (leverage) ratio | 11.1606% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0717% | 1,330 |
| Memoranda: |
| Average total assets | $70,880,500 | 4,398 |
| Average earning assets | $69,254,000 | 4,323 |
| Average equity | $8,032,500 | 4,478 |
| Average total loans | $51,462,500 | 4,127 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3148% | 795 |
| Cost of funding earning assets | 1.6593% | 233 |
| Net interest margin | 3.6555% | 2,942 |
| Noninterest income to average assets | 0.5732% | 2,351 |
| Noninterest expense to average assets | 3.3134% | 1,270 |
| Loan and lease loss provision to assets | 0.4246% | 328 |
| Net operating income to assets | 0.3467% | 4,684 |
| Return on assets (ROA) | 0.3467% | 4,715 |
| Pretax return on assets | 0.3467% | 4,772 |
| Return on Equity (ROE) | 2.5124% | 4,743 |
| Retained earnings to average equity (ytd only) | 2.5124% | 3,775 |
| Net charge-offs to loans | -0.0132% | 4,540 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7393% | 1,176 |
| Assets per employee ($millions) | 5.3113% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9601% | 3,698 |
| Loan loss allowance to noncurrent loans | 6,087.5000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,606 |
| Noncurrent loans to loans | 0.0158% | 4,514 |
| Net loans and leases to total assets | 72.7577% | 1,956 |
| Net loans and leases to deposits | 82.3247% | 2,519 |
| Net loans and leases to core deposits | 86.5886% | 2,745 |
| Total domestic deposits to total assets | 88.3789% | 949 |
| Equity capital to assets | 11.5458% | 2,487 |
| Core capital (leverage) ratio | 11.6808% | 1,976 |
| Tier 1 risk-based capital ratio | 16.4319% | 2,242 |
| Total risk-based capital ratio | 17.4635% | 2,271 |
| Memoranda: |
| Average total assets | $56,527,400 | 4,639 |
| Average earning assets | $54,301,600 | 4,605 |
| Average equity | $7,801,200 | 4,530 |
| Average total loans | $37,916,800 | 4,455 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3880% | 720 |
| Cost of funding earning assets | 1.6339% | 262 |
| Net interest margin | 3.7541% | 2,736 |
| Noninterest income to average assets | 0.6991% | 1,789 |
| Noninterest expense to average assets | 3.4133% | 1,063 |
| Loan and lease loss provision to assets | 0.4494% | 283 |
| Net operating income to assets | 0.4220% | 4,683 |
| Return on assets (ROA) | 0.4220% | 4,711 |
| Pretax return on assets | 0.4220% | 4,788 |
| Return on Equity (ROE) | 2.9043% | 4,779 |
| Retained earnings to average equity (ytd only) | 2.9043% | 3,933 |
| Net charge-offs to loans | -0.0154% | 4,512 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2821% | 1,297 |
| Assets per employee ($millions) | 4.8190% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9399% | 3,875 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,682 |
| Noncurrent loans to loans | 0.0199% | 4,585 |
| Net loans and leases to total assets | 71.6666% | 2,230 |
| Net loans and leases to deposits | 82.1387% | 2,670 |
| Net loans and leases to core deposits | 86.9170% | 2,826 |
| Total domestic deposits to total assets | 87.2508% | 1,407 |
| Equity capital to assets | 12.6838% | 1,786 |
| Core capital (leverage) ratio | 12.6308% | 1,514 |
| Tier 1 risk-based capital ratio | 17.9678% | 1,831 |
| Total risk-based capital ratio | 18.9588% | 1,857 |
| Memoranda: |
| Average total assets | $53,397,500 | 4,763 |
| Average earning assets | $51,001,000 | 4,726 |
| Average equity | $7,758,500 | 4,592 |
| Average total loans | $34,715,000 | 4,603 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3060% | 807 |
| Cost of funding earning assets | 1.5160% | 359 |
| Net interest margin | 3.7900% | 2,609 |
| Noninterest income to average assets | 0.9222% | 1,031 |
| Noninterest expense to average assets | 3.5735% | 878 |
| Loan and lease loss provision to assets | 0.4770% | 249 |
| Net operating income to assets | 0.4691% | 4,598 |
| Return on assets (ROA) | 0.4691% | 4,628 |
| Pretax return on assets | 0.4691% | 4,740 |
| Return on Equity (ROE) | 3.0665% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.0665% | 3,687 |
| Net charge-offs to loans | -0.0192% | 4,533 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6376% | 1,443 |
| Assets per employee ($millions) | 4.8004% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9356% | 3,939 |
| Loan loss allowance to noncurrent loans | 4,044.4444% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,713 |
| Noncurrent loans to loans | 0.0231% | 4,609 |
| Net loans and leases to total assets | 66.9074% | 2,983 |
| Net loans and leases to deposits | 77.5821% | 3,182 |
| Net loans and leases to core deposits | 91.3664% | 2,476 |
| Total domestic deposits to total assets | 86.2408% | 1,918 |
| Equity capital to assets | 13.6724% | 1,253 |
| Core capital (leverage) ratio | 14.6326% | 790 |
| Tier 1 risk-based capital ratio | 18.1958% | 1,751 |
| Total risk-based capital ratio | 19.0572% | 1,805 |
| Memoranda: |
| Average total assets | $50,314,330 | 4,843 |
| Average earning assets | $47,757,000 | 4,816 |
| Average equity | $7,696,000 | 4,625 |
| Average total loans | $31,179,000 | 4,712 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8567% | 1,740 |
| Cost of funding earning assets | 1.3992% | 462 |
| Net interest margin | 3.4575% | 3,723 |
| Noninterest income to average assets | 0.3771% | 3,340 |
| Noninterest expense to average assets | 3.8998% | 597 |
| Loan and lease loss provision to assets | 0.5143% | 207 |
| Net operating income to assets | -0.7542% | 5,273 |
| Return on assets (ROA) | -0.7542% | 5,269 |
| Pretax return on assets | -0.7542% | 5,263 |
| Return on Equity (ROE) | -4.6279% | 5,257 |
| Retained earnings to average equity (ytd only) | -4.6279% | 4,907 |
| Net charge-offs to loans | -0.0293% | 4,635 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1077% | 152 |
| Assets per employee ($millions) | 4.0106% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0189% | 3,588 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 3,554 |
| Noncurrent loans to loans | 0.4290% | 3,044 |
| Net loans and leases to total assets | 61.3626% | 3,563 |
| Net loans and leases to deposits | 73.0556% | 3,526 |
| Net loans and leases to core deposits | 103.6320% | 1,342 |
| Total domestic deposits to total assets | 83.9944% | 3,045 |
| Equity capital to assets | 15.8040% | 608 |
| Core capital (leverage) ratio | 16.3391% | 490 |
| Tier 1 risk-based capital ratio | 17.5532% | 1,926 |
| Total risk-based capital ratio | 18.2687% | 2,049 |
| Memoranda: |
| Average total assets | $46,669,000 | 4,963 |
| Average earning assets | $44,310,000 | 4,937 |
| Average equity | $7,606,000 | 4,668 |
| Average total loans | $27,315,500 | 4,858 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5352% | 4,877 |
| Cost of funding earning assets | 0.6933% | 2,132 |
| Net interest margin | 2.8419% | 4,982 |
| Noninterest income to average assets | 0.5275% | 2,671 |
| Noninterest expense to average assets | 5.1672% | 185 |
| Loan and lease loss provision to assets | 0.7627% | 129 |
| Net operating income to assets | -2.7711% | 5,384 |
| Return on assets (ROA) | -2.7711% | 5,383 |
| Pretax return on assets | -2.7711% | 5,382 |
| Return on Equity (ROE) | -12.8330% | 5,363 |
| Retained earnings to average equity (ytd only) | -12.8330% | 5,345 |
| Net charge-offs to loans | -0.1117% | 5,175 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.4386% | 22 |
| Assets per employee ($millions) | 3.7676% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9760% | 3,830 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,626 |
| Noncurrent loans to loans | 0.4436% | 2,949 |
| Net loans and leases to total assets | 54.3076% | 4,256 |
| Net loans and leases to deposits | 65.3440% | 4,166 |
| Net loans and leases to core deposits | 92.4157% | 2,373 |
| Total domestic deposits to total assets | 83.1103% | 3,287 |
| Equity capital to assets | 16.8233% | 430 |
| Core capital (leverage) ratio | 18.4684% | 295 |
| Tier 1 risk-based capital ratio | 18.2451% | 1,679 |
| Total risk-based capital ratio | 18.8302% | 1,835 |
| Memoranda: |
| Average total assets | $31,467,800 | 5,221 |
| Average earning assets | $29,135,400 | 5,204 |
| Average equity | $6,795,000 | 4,775 |
| Average total loans | $13,431,600 | 5,223 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2339% | 5,176 |
| Cost of funding earning assets | 0.4516% | 3,514 |
| Net interest margin | 2.7823% | 5,107 |
| Noninterest income to average assets | 0.5755% | 2,446 |
| Noninterest expense to average assets | 5.4318% | 162 |
| Loan and lease loss provision to assets | 0.8561% | 103 |
| Net operating income to assets | -3.1630% | 5,459 |
| Return on assets (ROA) | -3.1630% | 5,457 |
| Pretax return on assets | -3.1630% | 5,455 |
| Return on Equity (ROE) | -13.4497% | 5,438 |
| Retained earnings to average equity (ytd only) | -13.4497% | 5,419 |
| Net charge-offs to loans | -0.1888% | 5,292 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.9056% | 16 |
| Assets per employee ($millions) | 2.9872% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2029% | 2,605 |
| Loan loss allowance to noncurrent loans | 165.4545% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,554 |
| Noncurrent loans to loans | 0.7270% | 2,263 |
| Net loans and leases to total assets | 38.4920% | 5,070 |
| Net loans and leases to deposits | 48.1014% | 5,009 |
| Net loans and leases to core deposits | 48.1014% | 5,064 |
| Total domestic deposits to total assets | 80.0227% | 4,117 |
| Equity capital to assets | 19.9361% | 232 |
| Core capital (leverage) ratio | 24.2376% | 121 |
| Tier 1 risk-based capital ratio | 22.9058% | 945 |
| Total risk-based capital ratio | 23.4620% | 1,005 |
| Memoranda: |
| Average total assets | $28,032,000 | 5,336 |
| Average earning assets | $25,685,500 | 5,319 |
| Average equity | $6,592,250 | 4,863 |
| Average total loans | $10,590,750 | 5,342 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9941% | 5,340 |
| Cost of funding earning assets | 0.2706% | 4,632 |
| Net interest margin | 2.7236% | 5,198 |
| Noninterest income to average assets | 0.7368% | 1,701 |
| Noninterest expense to average assets | 5.4684% | 169 |
| Loan and lease loss provision to assets | 0.9823% | 82 |
| Net operating income to assets | -3.2417% | 5,522 |
| Return on assets (ROA) | -3.2417% | 5,519 |
| Pretax return on assets | -3.2417% | 5,518 |
| Return on Equity (ROE) | -12.7557% | 5,485 |
| Retained earnings to average equity (ytd only) | -12.7557% | 5,445 |
| Net charge-offs to loans | -0.2644% | 5,365 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.2449% | 24 |
| Assets per employee ($millions) | 2.1272% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0113% | 510 |
| Loan loss allowance to noncurrent loans | 226.3636% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 3,147 |
| Noncurrent loans to loans | 0.8885% | 1,944 |
| Net loans and leases to total assets | 43.8671% | 4,913 |
| Net loans and leases to deposits | 62.1083% | 4,414 |
| Net loans and leases to core deposits | 62.1083% | 4,595 |
| Total domestic deposits to total assets | 70.6299% | 5,252 |
| Equity capital to assets | 29.3339% | 71 |
| Core capital (leverage) ratio | 29.1657% | 74 |
| Tier 1 risk-based capital ratio | 35.9328% | 311 |
| Total risk-based capital ratio | 37.1321% | 301 |
| Memoranda: |
| Average total assets | $24,431,330 | 5,437 |
| Average earning assets | $22,176,670 | 5,427 |
| Average equity | $6,209,000 | 4,973 |
| Average total loans | $9,077,670 | 5,429 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1646% | 5,563 |
| Cost of funding earning assets | 0.1546% | 5,246 |
| Net interest margin | 2.0100% | 5,539 |
| Noninterest income to average assets | 0.6661% | 1,975 |
| Noninterest expense to average assets | 4.2594% | 371 |
| Loan and lease loss provision to assets | 1.0517% | 77 |
| Net operating income to assets | -2.8221% | 5,583 |
| Return on assets (ROA) | -2.8221% | 5,581 |
| Pretax return on assets | -2.8221% | 5,581 |
| Return on Equity (ROE) | -12.2492% | 5,546 |
| Retained earnings to average equity (ytd only) | -12.2492% | 5,411 |
| Net charge-offs to loans | -0.4848% | 5,497 |
| Credit loss provision to net charge-offs | -666.6667% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.8592% | 28 |
| Assets per employee ($millions) | 2.1428% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8949% | 4,469 |
| Loan loss allowance to noncurrent loans | 61.4679% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 3,137 |
| Noncurrent loans to loans | 1.4559% | 1,215 |
| Net loans and leases to total assets | 28.8559% | 5,391 |
| Net loans and leases to deposits | 42.7764% | 5,194 |
| Net loans and leases to core deposits | 42.7764% | 5,246 |
| Total domestic deposits to total assets | 67.4574% | 5,433 |
| Equity capital to assets | 32.5193% | 61 |
| Core capital (leverage) ratio | 34.7844% | 57 |
| Tier 1 risk-based capital ratio | 61.2654% | 83 |
| Total risk-based capital ratio | 61.7999% | 87 |
| Memoranda: |
| Average total assets | $22,820,000 | 5,513 |
| Average earning assets | $20,696,500 | 5,498 |
| Average equity | $5,257,500 | 5,177 |
| Average total loans | $7,426,500 | 5,528 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7700% | 5,470 |
| Cost of funding earning assets | 0.3558% | 3,653 |
| Net interest margin | 2.4143% | 5,456 |
| Noninterest income to average assets | 0.5570% | 2,670 |
| Noninterest expense to average assets | 3.2900% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4909% | 5,527 |
| Return on assets (ROA) | -0.4626% | 5,521 |
| Pretax return on assets | -0.4626% | 5,542 |
| Return on Equity (ROE) | -4.4308% | 5,529 |
| Retained earnings to average equity (ytd only) | -4.4308% | 5,415 |
| Net charge-offs to loans | -0.0837% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5379% | 72 |
| Assets per employee ($millions) | 2.4908% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.7969% | 24 |
| Loan loss allowance to noncurrent loans | 388.1818% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 2,714 |
| Noncurrent loans to loans | 1.4933% | 1,138 |
| Net loans and leases to total assets | 34.8238% | 5,318 |
| Net loans and leases to deposits | 39.0599% | 5,363 |
| Net loans and leases to core deposits | 39.0599% | 5,401 |
| Total domestic deposits to total assets | 89.1549% | 928 |
| Equity capital to assets | 10.8050% | 2,832 |
| Core capital (leverage) ratio | 10.9787% | 2,359 |
| Tier 1 risk-based capital ratio | 18.8056% | 1,557 |
| Total risk-based capital ratio | 19.3647% | 1,722 |
| Memoranda: |
| Average total assets | $21,185,600 | 5,586 |
| Average earning assets | $19,674,800 | 5,569 |
| Average equity | $2,211,800 | 5,591 |
| Average total loans | $5,977,000 | 5,608 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6705% | 5,571 |
| Cost of funding earning assets | 0.3472% | 3,698 |
| Net interest margin | 2.3233% | 5,561 |
| Noninterest income to average assets | 0.5767% | 2,596 |
| Noninterest expense to average assets | 3.1750% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.4403% | 5,626 |
| Return on assets (ROA) | -0.4403% | 5,627 |
| Pretax return on assets | -0.4403% | 5,620 |
| Return on Equity (ROE) | -4.2515% | 5,627 |
| Retained earnings to average equity (ytd only) | -4.2515% | 5,528 |
| Net charge-offs to loans | 0.0236% | 2,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -71.1729% | 3,791 |
| Efficiency ratio | 116.0998% | 73 |
| Assets per employee ($millions) | 2.5858% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4889% | 18 |
| Loan loss allowance to noncurrent loans | 386.2385% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 2,953 |
| Noncurrent loans to loans | 1.6800% | 1,080 |
| Net loans and leases to total assets | 29.3290% | 5,514 |
| Net loans and leases to deposits | 32.9138% | 5,546 |
| Net loans and leases to core deposits | 32.9138% | 5,566 |
| Total domestic deposits to total assets | 89.1086% | 826 |
| Equity capital to assets | 10.8576% | 3,010 |
| Core capital (leverage) ratio | 10.7281% | 2,725 |
| Tier 1 risk-based capital ratio | 22.9755% | 952 |
| Total risk-based capital ratio | 24.2331% | 935 |
| Memoranda: |
| Average total assets | $21,500,500 | 5,650 |
| Average earning assets | $19,970,750 | 5,633 |
| Average equity | $2,226,500 | 5,653 |
| Average total loans | $5,629,750 | 5,677 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5475% | 5,646 |
| Cost of funding earning assets | 0.3357% | 3,740 |
| Net interest margin | 2.2118% | 5,643 |
| Noninterest income to average assets | 0.5787% | 2,564 |
| Noninterest expense to average assets | 3.2060% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.5695% | 5,689 |
| Return on assets (ROA) | -0.5695% | 5,686 |
| Pretax return on assets | -0.5695% | 5,682 |
| Return on Equity (ROE) | -5.5856% | 5,689 |
| Retained earnings to average equity (ytd only) | -5.5856% | 5,555 |
| Net charge-offs to loans | -0.1871% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6028% | 60 |
| Assets per employee ($millions) | 2.7109% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.1132% | 9 |
| Loan loss allowance to noncurrent loans | 165.5039% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 1,431 |
| Noncurrent loans to loans | 4.9021% | 159 |
| Net loans and leases to total assets | 22.2991% | 5,669 |
| Net loans and leases to deposits | 24.8983% | 5,677 |
| Net loans and leases to core deposits | 24.8983% | 5,683 |
| Total domestic deposits to total assets | 89.5606% | 710 |
| Equity capital to assets | 10.4118% | 3,449 |
| Core capital (leverage) ratio | 10.2718% | 3,174 |
| Tier 1 risk-based capital ratio | 28.1542% | 543 |
| Total risk-based capital ratio | 29.4771% | 528 |
| Memoranda: |
| Average total assets | $21,772,000 | 5,694 |
| Average earning assets | $20,255,000 | 5,674 |
| Average equity | $2,220,000 | 5,699 |
| Average total loans | $5,343,670 | 5,728 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5088% | 5,717 |
| Cost of funding earning assets | 0.3556% | 3,469 |
| Net interest margin | 2.1532% | 5,724 |
| Noninterest income to average assets | 0.5134% | 2,887 |
| Noninterest expense to average assets | 3.2089% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.6968% | 5,762 |
| Return on assets (ROA) | -0.6968% | 5,761 |
| Pretax return on assets | -0.6968% | 5,755 |
| Return on Equity (ROE) | -6.9060% | 5,759 |
| Retained earnings to average equity (ytd only) | -6.9060% | 5,484 |
| Net charge-offs to loans | -0.3715% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7372% | 63 |
| Assets per employee ($millions) | 2.7211% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.9813% | 14 |
| Loan loss allowance to noncurrent loans | 164.8649% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 1,482 |
| Noncurrent loans to loans | 4.8411% | 174 |
| Net loans and leases to total assets | 22.6147% | 5,717 |
| Net loans and leases to deposits | 25.1803% | 5,731 |
| Net loans and leases to core deposits | 25.1803% | 5,741 |
| Total domestic deposits to total assets | 89.8112% | 743 |
| Equity capital to assets | 10.1612% | 3,558 |
| Core capital (leverage) ratio | 10.5397% | 2,855 |
| Tier 1 risk-based capital ratio | 25.5088% | 731 |
| Total risk-based capital ratio | 26.0121% | 779 |
| Memoranda: |
| Average total assets | $21,814,500 | 5,763 |
| Average earning assets | $20,249,000 | 5,745 |
| Average equity | $2,201,000 | 5,767 |
| Average total loans | $5,384,000 | 5,795 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7493% | 5,668 |
| Cost of funding earning assets | 0.3730% | 3,287 |
| Net interest margin | 2.3764% | 5,664 |
| Noninterest income to average assets | 0.6155% | 2,576 |
| Noninterest expense to average assets | 3.2201% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3880% | 5,760 |
| Return on assets (ROA) | -0.1070% | 5,701 |
| Pretax return on assets | -0.1070% | 5,698 |
| Return on Equity (ROE) | -1.0058% | 5,704 |
| Retained earnings to average equity (ytd only) | -1.0058% | 5,443 |
| Net charge-offs to loans | -4.6773% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7008% | 107 |
| Assets per employee ($millions) | 2.7325% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.7889% | 11 |
| Loan loss allowance to noncurrent loans | 223.2804% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 2,187 |
| Noncurrent loans to loans | 3.4884% | 346 |
| Net loans and leases to total assets | 22.8545% | 5,775 |
| Net loans and leases to deposits | 25.4081% | 5,788 |
| Net loans and leases to core deposits | 25.4081% | 5,798 |
| Total domestic deposits to total assets | 89.9497% | 650 |
| Equity capital to assets | 10.0183% | 3,702 |
| Core capital (leverage) ratio | 10.2843% | 3,126 |
| Tier 1 risk-based capital ratio | 25.2504% | 750 |
| Total risk-based capital ratio | 26.5571% | 732 |
| Memoranda: |
| Average total assets | $22,422,000 | 5,814 |
| Average earning assets | $20,914,200 | 5,789 |
| Average equity | $2,386,200 | 5,812 |
| Average total loans | $5,751,200 | 5,849 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8019% | 5,712 |
| Cost of funding earning assets | 0.3163% | 3,913 |
| Net interest margin | 2.4857% | 5,663 |
| Noninterest income to average assets | 0.6264% | 2,539 |
| Noninterest expense to average assets | 3.1970% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2482% | 5,810 |
| Return on assets (ROA) | 0.1182% | 5,657 |
| Pretax return on assets | 0.1182% | 5,656 |
| Return on Equity (ROE) | 1.0952% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.0952% | 5,057 |
| Net charge-offs to loans | -6.1015% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4168% | 133 |
| Assets per employee ($millions) | 2.8670% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.8471% | 14 |
| Loan loss allowance to noncurrent loans | 385.3211% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 3,533 |
| Noncurrent loans to loans | 1.7770% | 1,166 |
| Net loans and leases to total assets | 24.9128% | 5,813 |
| Net loans and leases to deposits | 27.9536% | 5,834 |
| Net loans and leases to core deposits | 27.9536% | 5,845 |
| Total domestic deposits to total assets | 89.1219% | 839 |
| Equity capital to assets | 10.8519% | 3,200 |
| Core capital (leverage) ratio | 10.3421% | 3,171 |
| Tier 1 risk-based capital ratio | 23.4850% | 946 |
| Total risk-based capital ratio | 24.7765% | 927 |
| Memoranda: |
| Average total assets | $22,562,500 | 5,873 |
| Average earning assets | $21,080,500 | 5,845 |
| Average equity | $2,435,250 | 5,871 |
| Average total loans | $5,834,500 | 5,914 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8782% | 5,749 |
| Cost of funding earning assets | 0.3145% | 3,968 |
| Net interest margin | 2.5637% | 5,696 |
| Noninterest income to average assets | 0.6239% | 2,490 |
| Noninterest expense to average assets | 3.3960% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3744% | 5,897 |
| Return on assets (ROA) | 0.1783% | 5,617 |
| Pretax return on assets | 0.1783% | 5,645 |
| Return on Equity (ROE) | 1.6547% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.6547% | 4,721 |
| Net charge-offs to loans | -9.6605% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3894% | 130 |
| Assets per employee ($millions) | 2.8289% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.0399% | 14 |
| Loan loss allowance to noncurrent loans | 394.4954% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 3,606 |
| Noncurrent loans to loans | 1.7845% | 1,165 |
| Net loans and leases to total assets | 25.0895% | 5,881 |
| Net loans and leases to deposits | 28.2291% | 5,903 |
| Net loans and leases to core deposits | 28.2291% | 5,911 |
| Total domestic deposits to total assets | 88.8781% | 973 |
| Equity capital to assets | 11.0556% | 2,996 |
| Core capital (leverage) ratio | 10.4743% | 3,002 |
| Tier 1 risk-based capital ratio | 23.1100% | 1,002 |
| Total risk-based capital ratio | 24.3912% | 980 |
| Memoranda: |
| Average total assets | $22,438,000 | 5,946 |
| Average earning assets | $20,985,000 | 5,920 |
| Average equity | $2,417,330 | 5,945 |
| Average total loans | $5,734,670 | 5,993 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7755% | 5,866 |
| Cost of funding earning assets | 0.3063% | 4,096 |
| Net interest margin | 2.4693% | 5,830 |
| Noninterest income to average assets | 0.5550% | 2,773 |
| Noninterest expense to average assets | 3.8135% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.9489% | 6,024 |
| Return on assets (ROA) | -0.9489% | 6,025 |
| Pretax return on assets | -0.9489% | 6,015 |
| Return on Equity (ROE) | -8.9263% | 6,017 |
| Retained earnings to average equity (ytd only) | -8.9263% | 5,775 |
| Net charge-offs to loans | -15.8616% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1250% | 64 |
| Assets per employee ($millions) | 2.7674% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7135% | 22 |
| Loan loss allowance to noncurrent loans | 342.2018% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 3,635 |
| Noncurrent loans to loans | 1.9618% | 1,104 |
| Net loans and leases to total assets | 23.4112% | 5,952 |
| Net loans and leases to deposits | 26.2750% | 5,969 |
| Net loans and leases to core deposits | 26.2750% | 5,982 |
| Total domestic deposits to total assets | 89.1007% | 1,055 |
| Equity capital to assets | 10.8632% | 3,092 |
| Core capital (leverage) ratio | 10.3550% | 3,121 |
| Tier 1 risk-based capital ratio | 26.1654% | 727 |
| Total risk-based capital ratio | 27.4566% | 707 |
| Memoranda: |
| Average total assets | $22,341,500 | 6,010 |
| Average earning assets | $20,897,000 | 5,984 |
| Average equity | $2,375,000 | 6,008 |
| Average total loans | $5,548,000 | 6,054 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5932% | 5,964 |
| Cost of funding earning assets | 0.3013% | 4,234 |
| Net interest margin | 2.2919% | 5,950 |
| Noninterest income to average assets | 0.6589% | 2,416 |
| Noninterest expense to average assets | 3.4997% | 1,288 |
| Loan and lease loss provision to assets | 0.0428% | 3,477 |
| Net operating income to assets | -0.7359% | 6,079 |
| Return on assets (ROA) | -0.3722% | 6,021 |
| Pretax return on assets | -0.3722% | 6,006 |
| Return on Equity (ROE) | -3.6046% | 6,023 |
| Retained earnings to average equity (ytd only) | -3.6046% | 5,855 |
| Net charge-offs to loans | -0.5855% | 6,101 |
| Credit loss provision to net charge-offs | -41.6667% | 5,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6951% | 83 |
| Assets per employee ($millions) | 2.8180% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7617% | 295 |
| Loan loss allowance to noncurrent loans | 126.4463% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 3,494 |
| Noncurrent loans to loans | 2.1841% | 915 |
| Net loans and leases to total assets | 23.8955% | 6,002 |
| Net loans and leases to deposits | 26.6789% | 6,028 |
| Net loans and leases to core deposits | 26.6789% | 6,036 |
| Total domestic deposits to total assets | 89.5671% | 818 |
| Equity capital to assets | 10.4019% | 3,488 |
| Core capital (leverage) ratio | 10.2710% | 3,188 |
| Tier 1 risk-based capital ratio | 20.5295% | 1,374 |
| Total risk-based capital ratio | 21.7654% | 1,353 |
| Memoranda: |
| Average total assets | $23,373,600 | 6,054 |
| Average earning assets | $21,903,400 | 6,031 |
| Average equity | $2,413,600 | 6,058 |
| Average total loans | $4,099,400 | 6,129 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5524% | 6,065 |
| Cost of funding earning assets | 0.2957% | 4,388 |
| Net interest margin | 2.2567% | 6,058 |
| Noninterest income to average assets | 0.6728% | 2,369 |
| Noninterest expense to average assets | 3.3755% | 1,522 |
| Loan and lease loss provision to assets | 0.0565% | 3,058 |
| Net operating income to assets | -0.6446% | 6,160 |
| Return on assets (ROA) | -0.1640% | 6,047 |
| Pretax return on assets | -0.1640% | 6,037 |
| Return on Equity (ROE) | -1.5909% | 6,047 |
| Retained earnings to average equity (ytd only) | -1.5909% | 5,813 |
| Net charge-offs to loans | -0.9983% | 6,206 |
| Credit loss provision to net charge-offs | -35.7143% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0953% | 94 |
| Assets per employee ($millions) | 2.8553% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6845% | 120 |
| Loan loss allowance to noncurrent loans | 130.0000% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 3,741 |
| Noncurrent loans to loans | 2.8342% | 653 |
| Net loans and leases to total assets | 17.8531% | 6,166 |
| Net loans and leases to deposits | 19.9677% | 6,183 |
| Net loans and leases to core deposits | 19.9677% | 6,184 |
| Total domestic deposits to total assets | 89.4099% | 814 |
| Equity capital to assets | 10.5639% | 3,529 |
| Core capital (leverage) ratio | 10.4153% | 3,151 |
| Tier 1 risk-based capital ratio | 27.4537% | 654 |
| Total risk-based capital ratio | 28.7120% | 637 |
| Memoranda: |
| Average total assets | $23,581,000 | 6,132 |
| Average earning assets | $22,096,500 | 6,115 |
| Average equity | $2,430,750 | 6,143 |
| Average total loans | $3,739,250 | 6,215 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6550% | 6,098 |
| Cost of funding earning assets | 0.2980% | 4,417 |
| Net interest margin | 2.3570% | 6,063 |
| Noninterest income to average assets | 0.6883% | 2,263 |
| Noninterest expense to average assets | 3.1896% | 2,011 |
| Loan and lease loss provision to assets | 0.0839% | 2,439 |
| Net operating income to assets | -0.3945% | 6,159 |
| Return on assets (ROA) | -0.0588% | 6,059 |
| Pretax return on assets | -0.0588% | 6,049 |
| Return on Equity (ROE) | -0.5746% | 6,063 |
| Retained earnings to average equity (ytd only) | -0.5746% | 5,621 |
| Net charge-offs to loans | -1.5108% | 6,289 |
| Credit loss provision to net charge-offs | -37.0370% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7872% | 163 |
| Assets per employee ($millions) | 3.2873% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4400% | 79 |
| Loan loss allowance to noncurrent loans | 111.5108% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 3,605 |
| Noncurrent loans to loans | 3.9817% | 393 |
| Net loans and leases to total assets | 14.4974% | 6,270 |
| Net loans and leases to deposits | 16.1550% | 6,280 |
| Net loans and leases to core deposits | 16.1550% | 6,274 |
| Total domestic deposits to total assets | 89.7397% | 769 |
| Equity capital to assets | 10.2299% | 3,775 |
| Core capital (leverage) ratio | 9.9975% | 3,608 |
| Tier 1 risk-based capital ratio | 32.2117% | 455 |
| Total risk-based capital ratio | 33.4752% | 447 |
| Memoranda: |
| Average total assets | $23,827,330 | 6,201 |
| Average earning assets | $22,147,000 | 6,184 |
| Average equity | $2,436,670 | 6,211 |
| Average total loans | $3,574,330 | 6,293 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7117% | 6,129 |
| Cost of funding earning assets | 0.3033% | 4,405 |
| Net interest margin | 2.4084% | 6,096 |
| Noninterest income to average assets | 0.6437% | 2,433 |
| Noninterest expense to average assets | 3.2349% | 1,889 |
| Loan and lease loss provision to assets | 0.1650% | 1,216 |
| Net operating income to assets | -0.5282% | 6,252 |
| Return on assets (ROA) | 0.0990% | 5,935 |
| Pretax return on assets | 0.0990% | 5,951 |
| Return on Equity (ROE) | 0.9685% | 5,913 |
| Retained earnings to average equity (ytd only) | 0.9685% | 5,079 |
| Net charge-offs to loans | 3.5398% | 38 |
| Credit loss provision to net charge-offs | 31.2500% | 2,261 |
| Earnings coverage of net charge-offs (x) | -0.6875% | 3,156 |
| Efficiency ratio | 112.6437% | 176 |
| Assets per employee ($millions) | 3.5423% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7133% | 403 |
| Loan loss allowance to noncurrent loans | 73.4848% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 3,898 |
| Noncurrent loans to loans | 3.6923% | 496 |
| Net loans and leases to total assets | 14.0265% | 6,331 |
| Net loans and leases to deposits | 15.6258% | 6,347 |
| Net loans and leases to core deposits | 15.6258% | 6,342 |
| Total domestic deposits to total assets | 89.7645% | 863 |
| Equity capital to assets | 10.2113% | 3,873 |
| Core capital (leverage) ratio | 10.1521% | 3,403 |
| Tier 1 risk-based capital ratio | 21.6900% | 1,287 |
| Total risk-based capital ratio | 22.5536% | 1,342 |
| Memoranda: |
| Average total assets | $24,235,500 | 6,263 |
| Average earning assets | $22,421,500 | 6,242 |
| Average equity | $2,478,000 | 6,272 |
| Average total loans | $3,616,000 | 6,363 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7773% | 6,219 |
| Cost of funding earning assets | 0.3403% | 4,365 |
| Net interest margin | 2.4371% | 6,206 |
| Noninterest income to average assets | 0.7257% | 2,187 |
| Noninterest expense to average assets | 3.2678% | 2,013 |
| Loan and lease loss provision to assets | 2.1127% | 23 |
| Net operating income to assets | -2.3789% | 6,466 |
| Return on assets (ROA) | -2.3017% | 6,464 |
| Pretax return on assets | -2.3017% | 6,457 |
| Return on Equity (ROE) | -21.5990% | 6,445 |
| Retained earnings to average equity (ytd only) | -21.9616% | 6,436 |
| Net charge-offs to loans | 12.4150% | 2 |
| Credit loss provision to net charge-offs | 93.5361% | 2,565 |
| Earnings coverage of net charge-offs (x) | -0.1179% | 4,727 |
| Efficiency ratio | 108.8698% | 234 |
| Assets per employee ($millions) | 3.3821% | 5,099 |
| Cash dividends to net income (ytd only)* | -1.6791% | 6,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2540% | 227 |
| Loan loss allowance to noncurrent loans | 69.1860% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 3,393 |
| Noncurrent loans to loans | 4.7033% | 338 |
| Net loans and leases to total assets | 14.9440% | 6,420 |
| Net loans and leases to deposits | 16.6549% | 6,430 |
| Net loans and leases to core deposits | 16.6549% | 6,426 |
| Total domestic deposits to total assets | 89.7276% | 864 |
| Equity capital to assets | 10.2386% | 3,807 |
| Core capital (leverage) ratio | 10.2891% | 3,188 |
| Tier 1 risk-based capital ratio | 27.0989% | 678 |
| Total risk-based capital ratio | 28.3510% | 657 |
| Memoranda: |
| Average total assets | $23,287,600 | 6,367 |
| Average earning assets | $21,747,400 | 6,335 |
| Average equity | $2,481,600 | 6,357 |
| Average total loans | $4,236,800 | 6,447 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8331% | 6,261 |
| Cost of funding earning assets | 0.3380% | 4,490 |
| Net interest margin | 2.4951% | 6,229 |
| Noninterest income to average assets | 0.7589% | 2,057 |
| Noninterest expense to average assets | 3.3288% | 1,843 |
| Loan and lease loss provision to assets | 2.0353% | 31 |
| Net operating income to assets | -2.2709% | 6,538 |
| Return on assets (ROA) | -2.1847% | 6,536 |
| Pretax return on assets | -2.1847% | 6,529 |
| Return on Equity (ROE) | -20.2985% | 6,512 |
| Retained earnings to average equity (ytd only) | -20.7792% | 6,495 |
| Net charge-offs to loans | 11.1672% | 1 |
| Credit loss provision to net charge-offs | 96.4578% | 2,313 |
| Earnings coverage of net charge-offs (x) | -0.1117% | 4,463 |
| Efficiency ratio | 107.6208% | 249 |
| Assets per employee ($millions) | 3.2660% | 5,293 |
| Cash dividends to net income (ytd only)* | -2.3685% | 6,554 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6411% | 209 |
| Loan loss allowance to noncurrent loans | 48.9510% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 2,456 |
| Noncurrent loans to loans | 7.4382% | 150 |
| Net loans and leases to total assets | 16.2059% | 6,496 |
| Net loans and leases to deposits | 18.2135% | 6,504 |
| Net loans and leases to core deposits | 18.2135% | 6,501 |
| Total domestic deposits to total assets | 88.9773% | 1,254 |
| Equity capital to assets | 11.0008% | 2,956 |
| Core capital (leverage) ratio | 10.8906% | 2,588 |
| Tier 1 risk-based capital ratio | 29.8706% | 532 |
| Total risk-based capital ratio | 31.1301% | 523 |
| Memoranda: |
| Average total assets | $23,190,750 | 6,443 |
| Average earning assets | $21,695,500 | 6,413 |
| Average equity | $2,496,000 | 6,427 |
| Average total loans | $4,381,750 | 6,524 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8361% | 6,312 |
| Cost of funding earning assets | 0.3407% | 4,528 |
| Net interest margin | 2.4954% | 6,282 |
| Noninterest income to average assets | 0.9356% | 1,380 |
| Noninterest expense to average assets | 3.4935% | 1,487 |
| Loan and lease loss provision to assets | 3.0386% | 15 |
| Net operating income to assets | -3.2703% | 6,633 |
| Return on assets (ROA) | -3.2703% | 6,633 |
| Pretax return on assets | -3.2703% | 6,631 |
| Return on Equity (ROE) | -30.6065% | 6,610 |
| Retained earnings to average equity (ytd only) | -31.3295% | 6,590 |
| Net charge-offs to loans | 16.0941% | 1 |
| Credit loss provision to net charge-offs | 96.4578% | 2,071 |
| Earnings coverage of net charge-offs (x) | -0.0736% | 4,136 |
| Efficiency ratio | 107.1053% | 277 |
| Assets per employee ($millions) | 3.3294% | 5,204 |
| Cash dividends to net income (ytd only)* | -2.3622% | 6,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6378% | 227 |
| Loan loss allowance to noncurrent loans | 71.5736% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 3,439 |
| Noncurrent loans to loans | 5.0826% | 383 |
| Net loans and leases to total assets | 16.0259% | 6,556 |
| Net loans and leases to deposits | 17.9266% | 6,566 |
| Net loans and leases to core deposits | 17.9266% | 6,564 |
| Total domestic deposits to total assets | 89.3976% | 1,156 |
| Equity capital to assets | 10.5724% | 3,348 |
| Core capital (leverage) ratio | 11.0394% | 2,385 |
| Tier 1 risk-based capital ratio | 32.8292% | 418 |
| Total risk-based capital ratio | 34.0874% | 410 |
| Memoranda: |
| Average total assets | $23,300,330 | 6,507 |
| Average earning assets | $21,720,000 | 6,475 |
| Average equity | $2,489,670 | 6,487 |
| Average total loans | $4,560,670 | 6,587 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9672% | 6,272 |
| Cost of funding earning assets | 0.3502% | 4,539 |
| Net interest margin | 2.6170% | 6,216 |
| Noninterest income to average assets | 0.7898% | 1,795 |
| Noninterest expense to average assets | 3.5369% | 1,418 |
| Loan and lease loss provision to assets | 2.6441% | 24 |
| Net operating income to assets | -2.9531% | 6,690 |
| Return on assets (ROA) | -2.6956% | 6,680 |
| Pretax return on assets | -2.6956% | 6,674 |
| Return on Equity (ROE) | -25.0949% | 6,646 |
| Retained earnings to average equity (ytd only) | -26.5335% | 6,600 |
| Net charge-offs to loans | -0.7342% | 6,603 |
| Credit loss provision to net charge-offs | -1,711.1111% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5745% | 277 |
| Assets per employee ($millions) | 3.3531% | 5,250 |
| Cash dividends to net income (ytd only)* | -5.7325% | 6,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7121% | 30 |
| Loan loss allowance to noncurrent loans | 51.5548% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.6031% | 1,199 |
| Noncurrent loans to loans | 13.0194% | 55 |
| Net loans and leases to total assets | 18.6520% | 6,598 |
| Net loans and leases to deposits | 20.8954% | 6,612 |
| Net loans and leases to core deposits | 20.8954% | 6,608 |
| Total domestic deposits to total assets | 89.2638% | 1,497 |
| Equity capital to assets | 10.7021% | 3,039 |
| Core capital (leverage) ratio | 12.3488% | 1,451 |
| Tier 1 risk-based capital ratio | 26.2675% | 765 |
| Total risk-based capital ratio | 27.5398% | 753 |
| Memoranda: |
| Average total assets | $23,297,500 | 6,580 |
| Average earning assets | $21,704,000 | 6,548 |
| Average equity | $2,502,500 | 6,542 |
| Average total loans | $4,903,000 | 6,653 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0053% | 6,344 |
| Cost of funding earning assets | 0.3729% | 4,916 |
| Net interest margin | 2.6324% | 6,228 |
| Noninterest income to average assets | 0.7019% | 2,532 |
| Noninterest expense to average assets | 3.4254% | 1,824 |
| Loan and lease loss provision to assets | 0.0714% | 3,689 |
| Net operating income to assets | -0.3320% | 6,431 |
| Return on assets (ROA) | -0.0252% | 6,276 |
| Pretax return on assets | -0.0252% | 6,250 |
| Return on Equity (ROE) | -0.2117% | 6,277 |
| Retained earnings to average equity (ytd only) | -0.2117% | 5,920 |
| Net charge-offs to loans | 0.0883% | 3,969 |
| Credit loss provision to net charge-offs | 340.0000% | 670 |
| Earnings coverage of net charge-offs (x) | -12.4000% | 5,432 |
| Efficiency ratio | 108.2337% | 298 |
| Assets per employee ($millions) | 3.3033% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9728% | 488 |
| Loan loss allowance to noncurrent loans | 26.3432% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 2.4954% | 1,378 |
| Noncurrent loans to loans | 11.2850% | 86 |
| Net loans and leases to total assets | 21.4548% | 6,645 |
| Net loans and leases to deposits | 24.0557% | 6,665 |
| Net loans and leases to core deposits | 24.4710% | 6,664 |
| Total domestic deposits to total assets | 89.1883% | 1,496 |
| Equity capital to assets | 10.7815% | 2,840 |
| Core capital (leverage) ratio | 12.5586% | 1,328 |
| Tier 1 risk-based capital ratio | 29.0543% | 550 |
| Total risk-based capital ratio | 30.2462% | 544 |
| Memoranda: |
| Average total assets | $23,793,000 | 6,646 |
| Average earning assets | $22,260,800 | 6,615 |
| Average equity | $2,834,200 | 6,562 |
| Average total loans | $5,661,600 | 6,718 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0790% | 6,339 |
| Cost of funding earning assets | 0.3745% | 5,053 |
| Net interest margin | 2.7045% | 6,166 |
| Noninterest income to average assets | 0.7012% | 2,600 |
| Noninterest expense to average assets | 3.2386% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0056% | 6,303 |
| Return on assets (ROA) | 0.3450% | 5,578 |
| Pretax return on assets | 0.3450% | 5,761 |
| Return on Equity (ROE) | 2.8313% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.8313% | 4,627 |
| Net charge-offs to loans | -0.0229% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1721% | 459 |
| Assets per employee ($millions) | 3.3659% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4834% | 953 |
| Loan loss allowance to noncurrent loans | 18.7335% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 3.2172% | 1,108 |
| Noncurrent loans to loans | 13.2564% | 64 |
| Net loans and leases to total assets | 23.6662% | 6,696 |
| Net loans and leases to deposits | 26.7242% | 6,713 |
| Net loans and leases to core deposits | 27.1338% | 6,724 |
| Total domestic deposits to total assets | 88.5574% | 1,810 |
| Equity capital to assets | 11.4087% | 2,371 |
| Core capital (leverage) ratio | 12.9728% | 1,220 |
| Tier 1 risk-based capital ratio | 26.3217% | 763 |
| Total risk-based capital ratio | 27.5504% | 751 |
| Memoranda: |
| Average total assets | $23,960,500 | 6,719 |
| Average earning assets | $22,431,000 | 6,687 |
| Average equity | $2,919,500 | 6,622 |
| Average total loans | $5,798,750 | 6,791 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0990% | 6,341 |
| Cost of funding earning assets | 0.3807% | 5,125 |
| Net interest margin | 2.7183% | 6,151 |
| Noninterest income to average assets | 0.6641% | 2,831 |
| Noninterest expense to average assets | 3.2706% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0581% | 6,362 |
| Return on assets (ROA) | 0.4649% | 5,127 |
| Pretax return on assets | 0.4649% | 5,480 |
| Return on Equity (ROE) | 3.7375% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,922 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8088% | 432 |
| Assets per employee ($millions) | 3.0151% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3579% | 1,160 |
| Loan loss allowance to noncurrent loans | 22.7787% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 2.5662% | 1,636 |
| Noncurrent loans to loans | 10.3512% | 146 |
| Net loans and leases to total assets | 24.2071% | 6,718 |
| Net loans and leases to deposits | 27.1203% | 6,751 |
| Net loans and leases to core deposits | 27.5230% | 6,759 |
| Total domestic deposits to total assets | 89.2583% | 1,475 |
| Equity capital to assets | 10.7085% | 3,047 |
| Core capital (leverage) ratio | 12.3913% | 1,413 |
| Tier 1 risk-based capital ratio | 29.7501% | 537 |
| Total risk-based capital ratio | 31.0436% | 525 |
| Memoranda: |
| Average total assets | $24,093,670 | 6,766 |
| Average earning assets | $22,588,000 | 6,732 |
| Average equity | $2,996,670 | 6,652 |
| Average total loans | $5,825,670 | 6,837 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1379% | 6,365 |
| Cost of funding earning assets | 0.3702% | 5,369 |
| Net interest margin | 2.7677% | 6,097 |
| Noninterest income to average assets | 0.5814% | 3,245 |
| Noninterest expense to average assets | 3.5216% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3322% | 6,596 |
| Return on assets (ROA) | -0.0166% | 6,432 |
| Pretax return on assets | -0.0166% | 6,423 |
| Return on Equity (ROE) | -0.1249% | 6,434 |
| Retained earnings to average equity (ytd only) | -0.1249% | 5,802 |
| Net charge-offs to loans | -1.0438% | 6,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4167% | 321 |
| Assets per employee ($millions) | 2.7050% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7812% | 837 |
| Loan loss allowance to noncurrent loans | 61.1765% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 3,842 |
| Noncurrent loans to loans | 4.5463% | 909 |
| Net loans and leases to total assets | 22.3988% | 6,812 |
| Net loans and leases to deposits | 25.7448% | 6,827 |
| Net loans and leases to core deposits | 25.7448% | 6,840 |
| Total domestic deposits to total assets | 87.0035% | 2,959 |
| Equity capital to assets | 12.9595% | 1,451 |
| Core capital (leverage) ratio | 12.2769% | 1,430 |
| Tier 1 risk-based capital ratio | 22.5836% | 1,225 |
| Total risk-based capital ratio | 23.5843% | 1,249 |
| Memoranda: |
| Average total assets | $24,080,000 | 6,836 |
| Average earning assets | $22,690,000 | 6,795 |
| Average equity | $3,203,500 | 6,678 |
| Average total loans | $5,748,500 | 6,914 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1534% | 6,686 |
| Cost of funding earning assets | 0.4565% | 5,530 |
| Net interest margin | 2.6970% | 6,526 |
| Noninterest income to average assets | 0.5482% | 3,595 |
| Noninterest expense to average assets | 3.5680% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4598% | 6,545 |
| Return on assets (ROA) | 0.5571% | 4,700 |
| Pretax return on assets | 0.5571% | 5,116 |
| Return on Equity (ROE) | 3.8119% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.9060% | 4,880 |
| Net charge-offs to loans | 0.6050% | 1,919 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -2.9714% | 5,872 |
| Efficiency ratio | 114.7937% | 260 |
| Assets per employee ($millions) | 2.9769% | 6,047 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3947% | 1,238 |
| Loan loss allowance to noncurrent loans | 54.6512% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 3,851 |
| Noncurrent loans to loans | 4.3818% | 992 |
| Net loans and leases to total assets | 24.1318% | 6,855 |
| Net loans and leases to deposits | 28.0478% | 6,870 |
| Net loans and leases to core deposits | 28.0478% | 6,886 |
| Total domestic deposits to total assets | 86.0382% | 3,345 |
| Equity capital to assets | 13.6553% | 1,169 |
| Core capital (leverage) ratio | 12.2141% | 1,447 |
| Tier 1 risk-based capital ratio | 33.4343% | 385 |
| Total risk-based capital ratio | 34.7246% | 378 |
| Memoranda: |
| Average total assets | $22,617,600 | 6,914 |
| Average earning assets | $21,468,600 | 6,873 |
| Average equity | $3,305,400 | 6,724 |
| Average total loans | $5,785,200 | 6,982 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2103% | 6,793 |
| Cost of funding earning assets | 0.4730% | 5,611 |
| Net interest margin | 2.7373% | 6,596 |
| Noninterest income to average assets | 1.8579% | 465 |
| Noninterest expense to average assets | 3.6143% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8364% | 3,279 |
| Return on assets (ROA) | 0.8364% | 3,525 |
| Pretax return on assets | 0.8364% | 4,355 |
| Return on Equity (ROE) | 5.6244% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,939 |
| Net charge-offs to loans | 0.8565% | 1,283 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.7839% | 3,514 |
| Efficiency ratio | 81.2081% | 1,906 |
| Assets per employee ($millions) | 2.6517% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3105% | 1,497 |
| Loan loss allowance to noncurrent loans | 73.9362% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 4,741 |
| Noncurrent loans to loans | 3.1250% | 1,777 |
| Net loans and leases to total assets | 24.6260% | 6,955 |
| Net loans and leases to deposits | 28.6795% | 6,974 |
| Net loans and leases to core deposits | 28.6795% | 6,985 |
| Total domestic deposits to total assets | 85.8663% | 3,323 |
| Equity capital to assets | 14.0918% | 1,124 |
| Core capital (leverage) ratio | 13.2671% | 1,080 |
| Tier 1 risk-based capital ratio | 18.8680% | 2,051 |
| Total risk-based capital ratio | 19.7260% | 2,141 |
| Memoranda: |
| Average total assets | $22,318,250 | 7,013 |
| Average earning assets | $21,139,750 | 6,971 |
| Average equity | $3,318,750 | 6,810 |
| Average total loans | $5,759,500 | 7,077 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3957% | 6,729 |
| Cost of funding earning assets | 0.5239% | 5,463 |
| Net interest margin | 2.8718% | 6,462 |
| Noninterest income to average assets | 2.0089% | 403 |
| Noninterest expense to average assets | 3.6784% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0457% | 2,264 |
| Return on assets (ROA) | 1.0457% | 2,495 |
| Pretax return on assets | 1.0457% | 3,537 |
| Return on Equity (ROE) | 6.9007% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.9007% | 2,160 |
| Net charge-offs to loans | -0.0352% | 6,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8641% | 2,478 |
| Assets per employee ($millions) | 2.4164% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8966% | 872 |
| Loan loss allowance to noncurrent loans | 136.4341% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 5,287 |
| Noncurrent loans to loans | 2.1231% | 2,797 |
| Net loans and leases to total assets | 27.1289% | 6,951 |
| Net loans and leases to deposits | 32.0792% | 6,959 |
| Net loans and leases to core deposits | 33.1852% | 6,970 |
| Total domestic deposits to total assets | 84.5687% | 4,068 |
| Equity capital to assets | 15.3761% | 705 |
| Core capital (leverage) ratio | 13.7003% | 901 |
| Tier 1 risk-based capital ratio | 23.3701% | 1,087 |
| Total risk-based capital ratio | 24.5120% | 1,084 |
| Memoranda: |
| Average total assets | $21,802,670 | 7,082 |
| Average earning assets | $20,614,330 | 7,039 |
| Average equity | $3,304,000 | 6,852 |
| Average total loans | $5,674,000 | 7,138 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4683% | 6,732 |
| Cost of funding earning assets | 0.5261% | 5,630 |
| Net interest margin | 2.9423% | 6,404 |
| Noninterest income to average assets | 2.4737% | 306 |
| Noninterest expense to average assets | 3.9212% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3193% | 1,403 |
| Return on assets (ROA) | 1.3193% | 1,573 |
| Pretax return on assets | 1.3193% | 2,473 |
| Return on Equity (ROE) | 8.7698% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.7698% | 1,673 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8252% | 2,971 |
| Assets per employee ($millions) | 2.4193% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1921% | 690 |
| Loan loss allowance to noncurrent loans | 102.9070% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 4,967 |
| Noncurrent loans to loans | 3.1019% | 2,068 |
| Net loans and leases to total assets | 24.6533% | 7,067 |
| Net loans and leases to deposits | 29.0319% | 7,077 |
| Net loans and leases to core deposits | 29.0319% | 7,089 |
| Total domestic deposits to total assets | 84.9178% | 4,082 |
| Equity capital to assets | 15.0271% | 744 |
| Core capital (leverage) ratio | 13.8290% | 848 |
| Tier 1 risk-based capital ratio | 28.1053% | 632 |
| Total risk-based capital ratio | 29.3465% | 618 |
| Memoranda: |
| Average total assets | $21,830,000 | 7,139 |
| Average earning assets | $20,528,500 | 7,105 |
| Average equity | $3,284,000 | 6,902 |
| Average total loans | $5,473,000 | 7,202 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0291% | 6,405 |
| Cost of funding earning assets | 0.6257% | 5,954 |
| Net interest margin | 3.4033% | 5,471 |
| Noninterest income to average assets | 1.4860% | 590 |
| Noninterest expense to average assets | 3.5713% | 1,799 |
| Loan and lease loss provision to assets | 0.0288% | 6,210 |
| Net operating income to assets | 1.0929% | 1,863 |
| Return on assets (ROA) | 1.0929% | 1,975 |
| Pretax return on assets | 1.0929% | 2,864 |
| Return on Equity (ROE) | 7.2033% | 3,304 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,652 |
| Net charge-offs to loans | 0.1852% | 4,663 |
| Credit loss provision to net charge-offs | 54.5455% | 5,307 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,100 |
| Efficiency ratio | 76.0981% | 2,874 |
| Assets per employee ($millions) | 2.4318% | 6,891 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2587% | 642 |
| Loan loss allowance to noncurrent loans | 308.7719% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,313 |
| Noncurrent loans to loans | 1.0554% | 4,603 |
| Net loans and leases to total assets | 23.8737% | 7,158 |
| Net loans and leases to deposits | 28.3014% | 7,166 |
| Net loans and leases to core deposits | 28.3014% | 7,175 |
| Total domestic deposits to total assets | 84.3553% | 4,164 |
| Equity capital to assets | 15.0599% | 767 |
| Core capital (leverage) ratio | 13.7219% | 892 |
| Tier 1 risk-based capital ratio | 25.5161% | 821 |
| Total risk-based capital ratio | 26.5220% | 824 |
| Memoranda: |
| Average total assets | $20,861,000 | 7,189 |
| Average earning assets | $19,657,200 | 7,147 |
| Average equity | $3,165,200 | 6,976 |
| Average total loans | $5,938,800 | 7,241 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1232% | 6,359 |
| Cost of funding earning assets | 0.6370% | 6,106 |
| Net interest margin | 3.4862% | 5,239 |
| Noninterest income to average assets | 1.7148% | 473 |
| Noninterest expense to average assets | 3.6237% | 1,660 |
| Loan and lease loss provision to assets | 0.0388% | 5,956 |
| Net operating income to assets | 1.3460% | 1,275 |
| Return on assets (ROA) | 1.3460% | 1,368 |
| Pretax return on assets | 1.3460% | 2,127 |
| Return on Equity (ROE) | 8.8533% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.8533% | 1,201 |
| Net charge-offs to loans | 0.4171% | 3,057 |
| Credit loss provision to net charge-offs | 31.5789% | 5,386 |
| Earnings coverage of net charge-offs (x) | 11.2645% | 1,826 |
| Efficiency ratio | 72.3514% | 3,481 |
| Assets per employee ($millions) | 2.3713% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9314% | 912 |
| Loan loss allowance to noncurrent loans | 73.2456% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,637 |
| Noncurrent loans to loans | 4.0021% | 1,654 |
| Net loans and leases to total assets | 25.9113% | 7,193 |
| Net loans and leases to deposits | 30.8370% | 7,203 |
| Net loans and leases to core deposits | 31.9081% | 7,202 |
| Total domestic deposits to total assets | 84.0268% | 4,218 |
| Equity capital to assets | 15.9076% | 643 |
| Core capital (leverage) ratio | 14.3490% | 805 |
| Tier 1 risk-based capital ratio | 30.2674% | 524 |
| Total risk-based capital ratio | 31.4033% | 522 |
| Memoranda: |
| Average total assets | $20,604,750 | 7,269 |
| Average earning assets | $19,466,500 | 7,225 |
| Average equity | $3,132,500 | 7,041 |
| Average total loans | $6,073,250 | 7,315 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2194% | 6,240 |
| Cost of funding earning assets | 0.6412% | 6,268 |
| Net interest margin | 3.5782% | 4,795 |
| Noninterest income to average assets | 1.9647% | 368 |
| Noninterest expense to average assets | 3.6348% | 1,661 |
| Loan and lease loss provision to assets | 0.0589% | 5,573 |
| Net operating income to assets | 1.6700% | 637 |
| Return on assets (ROA) | 1.6700% | 681 |
| Pretax return on assets | 1.6700% | 1,112 |
| Return on Equity (ROE) | 11.1658% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.1658% | 636 |
| Net charge-offs to loans | 0.5485% | 2,462 |
| Credit loss provision to net charge-offs | 35.2941% | 4,900 |
| Earnings coverage of net charge-offs (x) | 10.3529% | 1,819 |
| Efficiency ratio | 67.7656% | 4,561 |
| Assets per employee ($millions) | 1.8858% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8044% | 1,074 |
| Loan loss allowance to noncurrent loans | 94.9721% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 5,147 |
| Noncurrent loans to loans | 2.9528% | 2,456 |
| Net loans and leases to total assets | 28.4034% | 7,230 |
| Net loans and leases to deposits | 33.6397% | 7,231 |
| Net loans and leases to core deposits | 34.3217% | 7,253 |
| Total domestic deposits to total assets | 84.4341% | 4,156 |
| Equity capital to assets | 15.5033% | 700 |
| Core capital (leverage) ratio | 14.4124% | 781 |
| Tier 1 risk-based capital ratio | 32.5880% | 432 |
| Total risk-based capital ratio | 33.8485% | 423 |
| Memoranda: |
| Average total assets | $20,359,000 | 7,339 |
| Average earning assets | $19,339,330 | 7,300 |
| Average equity | $3,045,000 | 7,117 |
| Average total loans | $6,198,670 | 7,385 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6237% | 4,848 |
| Cost of funding earning assets | 0.6276% | 6,481 |
| Net interest margin | 3.9960% | 2,700 |
| Noninterest income to average assets | 2.8166% | 236 |
| Noninterest expense to average assets | 3.7686% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.8364% | 125 |
| Return on assets (ROA) | 2.8364% | 129 |
| Pretax return on assets | 2.8364% | 169 |
| Return on Equity (ROE) | 19.3276% | 377 |
| Retained earnings to average equity (ytd only) | 19.3276% | 186 |
| Net charge-offs to loans | 0.7659% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.9167% | 1,526 |
| Efficiency ratio | 57.0571% | 6,373 |
| Assets per employee ($millions) | 2.2563% | 7,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6816% | 1,226 |
| Loan loss allowance to noncurrent loans | 129.2308% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 5,677 |
| Noncurrent loans to loans | 2.0750% | 3,481 |
| Net loans and leases to total assets | 30.0241% | 7,229 |
| Net loans and leases to deposits | 35.3695% | 7,238 |
| Net loans and leases to core deposits | 36.0940% | 7,261 |
| Total domestic deposits to total assets | 84.8870% | 4,088 |
| Equity capital to assets | 15.0441% | 756 |
| Core capital (leverage) ratio | 14.6188% | 724 |
| Tier 1 risk-based capital ratio | 35.1839% | 342 |
| Total risk-based capital ratio | 36.4733% | 334 |
| Memoranda: |
| Average total assets | $20,166,500 | 7,401 |
| Average earning assets | $19,119,000 | 7,361 |
| Average equity | $2,959,500 | 7,179 |
| Average total loans | $6,267,000 | 7,439 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1904% | 3,655 |
| Cost of funding earning assets | 0.8298% | 6,444 |
| Net interest margin | 4.3606% | 1,617 |
| Noninterest income to average assets | 0.7254% | 2,674 |
| Noninterest expense to average assets | 4.0722% | 1,063 |
| Loan and lease loss provision to assets | 0.2301% | 4,981 |
| Net operating income to assets | 0.5503% | 3,887 |
| Return on assets (ROA) | 0.5503% | 4,043 |
| Pretax return on assets | 0.5503% | 4,475 |
| Return on Equity (ROE) | 3.7576% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.8788% | 4,547 |
| Net charge-offs to loans | 0.5600% | 3,378 |
| Credit loss provision to net charge-offs | 121.0526% | 3,478 |
| Earnings coverage of net charge-offs (x) | 4.1053% | 3,062 |
| Efficiency ratio | 83.9175% | 1,929 |
| Assets per employee ($millions) | 2.2251% | 7,283 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8713% | 983 |
| Loan loss allowance to noncurrent loans | 102.8571% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 5,266 |
| Noncurrent loans to loans | 2.7915% | 2,729 |
| Net loans and leases to total assets | 30.4055% | 7,338 |
| Net loans and leases to deposits | 35.5936% | 7,354 |
| Net loans and leases to core deposits | 36.3219% | 7,384 |
| Total domestic deposits to total assets | 85.4239% | 3,649 |
| Equity capital to assets | 14.3014% | 951 |
| Core capital (leverage) ratio | 13.6610% | 939 |
| Tier 1 risk-based capital ratio | 31.8844% | 433 |
| Total risk-based capital ratio | 33.1930% | 422 |
| Memoranda: |
| Average total assets | $19,989,200 | 7,466 |
| Average earning assets | $18,919,600 | 7,429 |
| Average equity | $2,927,400 | 7,295 |
| Average total loans | $6,785,600 | 7,503 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9193% | 5,179 |
| Cost of funding earning assets | 0.8681% | 6,513 |
| Net interest margin | 4.0511% | 2,852 |
| Noninterest income to average assets | 0.7474% | 2,529 |
| Noninterest expense to average assets | 4.1440% | 882 |
| Loan and lease loss provision to assets | 0.2469% | 4,622 |
| Net operating income to assets | 0.1868% | 5,546 |
| Return on assets (ROA) | 0.1868% | 5,705 |
| Pretax return on assets | 0.1868% | 5,760 |
| Return on Equity (ROE) | 1.2683% | 5,827 |
| Retained earnings to average equity (ytd only) | 0.5888% | 5,565 |
| Net charge-offs to loans | 0.5785% | 3,005 |
| Credit loss provision to net charge-offs | 123.3333% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.1665% | 4,102 |
| Efficiency ratio | 90.5248% | 1,240 |
| Assets per employee ($millions) | 2.5291% | 7,049 |
| Cash dividends to net income (ytd only)* | 53.5762% | 1,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6549% | 1,132 |
| Loan loss allowance to noncurrent loans | 41.0023% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 2.1697% | 3,251 |
| Noncurrent loans to loans | 6.4749% | 921 |
| Net loans and leases to total assets | 32.6200% | 7,390 |
| Net loans and leases to deposits | 38.3120% | 7,415 |
| Net loans and leases to core deposits | 39.0856% | 7,442 |
| Total domestic deposits to total assets | 85.1431% | 3,552 |
| Equity capital to assets | 14.7729% | 948 |
| Core capital (leverage) ratio | 13.2942% | 1,120 |
| Tier 1 risk-based capital ratio | 29.9284% | 521 |
| Total risk-based capital ratio | 31.2839% | 500 |
| Memoranda: |
| Average total assets | $19,980,000 | 7,564 |
| Average earning assets | $18,891,250 | 7,525 |
| Average equity | $2,943,250 | 7,386 |
| Average total loans | $6,914,750 | 7,600 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9940% | 4,971 |
| Cost of funding earning assets | 0.9157% | 6,516 |
| Net interest margin | 4.0782% | 2,667 |
| Noninterest income to average assets | 0.7841% | 2,212 |
| Noninterest expense to average assets | 4.2622% | 753 |
| Loan and lease loss provision to assets | 0.1407% | 5,485 |
| Net operating income to assets | 0.2312% | 5,454 |
| Return on assets (ROA) | 0.2312% | 5,590 |
| Pretax return on assets | 0.2312% | 5,701 |
| Return on Equity (ROE) | 1.5710% | 5,769 |
| Retained earnings to average equity (ytd only) | 0.5464% | 5,544 |
| Net charge-offs to loans | -0.2012% | 7,646 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9740% | 1,189 |
| Assets per employee ($millions) | 2.2070% | 7,426 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,153 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7518% | 1,041 |
| Loan loss allowance to noncurrent loans | 43.4978% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.2454% | 3,204 |
| Noncurrent loans to loans | 6.3262% | 969 |
| Net loans and leases to total assets | 34.5164% | 7,403 |
| Net loans and leases to deposits | 40.7295% | 7,426 |
| Net loans and leases to core deposits | 42.1960% | 7,449 |
| Total domestic deposits to total assets | 84.7455% | 3,752 |
| Equity capital to assets | 15.1588% | 845 |
| Core capital (leverage) ratio | 13.7108% | 994 |
| Tier 1 risk-based capital ratio | 30.5340% | 479 |
| Total risk-based capital ratio | 31.7970% | 474 |
| Memoranda: |
| Average total assets | $19,895,670 | 7,630 |
| Average earning assets | $18,782,670 | 7,592 |
| Average equity | $2,928,000 | 7,438 |
| Average total loans | $6,959,670 | 7,660 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9183% | 5,370 |
| Cost of funding earning assets | 0.9368% | 6,626 |
| Net interest margin | 3.9815% | 2,951 |
| Noninterest income to average assets | 0.6428% | 2,975 |
| Noninterest expense to average assets | 4.0579% | 948 |
| Loan and lease loss provision to assets | 0.2812% | 3,781 |
| Net operating income to assets | 0.0603% | 6,127 |
| Return on assets (ROA) | 0.0603% | 6,238 |
| Pretax return on assets | 0.0603% | 6,229 |
| Return on Equity (ROE) | 0.4157% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.4157% | 5,670 |
| Net charge-offs to loans | -1.3305% | 7,859 |
| Credit loss provision to net charge-offs | -60.8696% | 6,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2374% | 1,262 |
| Assets per employee ($millions) | 1.9641% | 7,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1255% | 742 |
| Loan loss allowance to noncurrent loans | 43.1211% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 2.4795% | 2,926 |
| Noncurrent loans to loans | 7.2481% | 808 |
| Net loans and leases to total assets | 33.1399% | 7,529 |
| Net loans and leases to deposits | 38.8922% | 7,550 |
| Net loans and leases to core deposits | 39.6890% | 7,584 |
| Total domestic deposits to total assets | 85.2095% | 3,560 |
| Equity capital to assets | 14.6988% | 958 |
| Core capital (leverage) ratio | 13.6975% | 1,028 |
| Tier 1 risk-based capital ratio | 28.8184% | 588 |
| Total risk-based capital ratio | 30.0859% | 574 |
| Memoranda: |
| Average total assets | $19,912,000 | 7,725 |
| Average earning assets | $18,787,000 | 7,684 |
| Average equity | $2,886,500 | 7,526 |
| Average total loans | $6,914,500 | 7,761 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3621% | 4,880 |
| Cost of funding earning assets | 1.1033% | 6,967 |
| Net interest margin | 4.2589% | 1,860 |
| Noninterest income to average assets | 0.7136% | 2,877 |
| Noninterest expense to average assets | 3.7146% | 1,878 |
| Loan and lease loss provision to assets | 0.3705% | 4,566 |
| Net operating income to assets | 0.6725% | 3,046 |
| Return on assets (ROA) | 0.6725% | 3,102 |
| Pretax return on assets | 0.6725% | 3,674 |
| Return on Equity (ROE) | 5.2737% | 3,544 |
| Retained earnings to average equity (ytd only) | 2.9059% | 3,141 |
| Net charge-offs to loans | 2.2608% | 1,040 |
| Credit loss provision to net charge-offs | 48.5030% | 6,764 |
| Earnings coverage of net charge-offs (x) | 1.3653% | 4,766 |
| Efficiency ratio | 78.0769% | 3,182 |
| Assets per employee ($millions) | 2.0183% | 7,721 |
| Cash dividends to net income (ytd only)* | 44.8980% | 2,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4332% | 1,316 |
| Loan loss allowance to noncurrent loans | 37.7729% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 2.2692% | 3,044 |
| Noncurrent loans to loans | 6.4416% | 940 |
| Net loans and leases to total assets | 34.3705% | 7,582 |
| Net loans and leases to deposits | 40.1935% | 7,624 |
| Net loans and leases to core deposits | 45.7194% | 7,671 |
| Total domestic deposits to total assets | 85.5126% | 3,285 |
| Equity capital to assets | 14.2992% | 1,079 |
| Core capital (leverage) ratio | 13.1358% | 1,212 |
| Tier 1 risk-based capital ratio | 27.9666% | 649 |
| Total risk-based capital ratio | 29.1879% | 631 |
| Memoranda: |
| Average total assets | $21,859,800 | 7,726 |
| Average earning assets | $20,756,600 | 7,685 |
| Average equity | $2,787,400 | 7,652 |
| Average total loans | $7,386,800 | 7,810 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2322% | 5,748 |
| Cost of funding earning assets | 1.1522% | 7,037 |
| Net interest margin | 4.0800% | 2,482 |
| Noninterest income to average assets | 0.7182% | 2,897 |
| Noninterest expense to average assets | 3.6087% | 2,013 |
| Loan and lease loss provision to assets | 0.2633% | 4,854 |
| Net operating income to assets | 0.7241% | 3,125 |
| Return on assets (ROA) | 0.7241% | 3,191 |
| Pretax return on assets | 0.7241% | 3,778 |
| Return on Equity (ROE) | 5.8395% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.4263% | 3,379 |
| Net charge-offs to loans | 1.6809% | 1,205 |
| Credit loss provision to net charge-offs | 46.8085% | 6,357 |
| Earnings coverage of net charge-offs (x) | 1.7553% | 4,479 |
| Efficiency ratio | 78.5156% | 3,079 |
| Assets per employee ($millions) | 1.9378% | 7,837 |
| Cash dividends to net income (ytd only)* | 41.3252% | 2,378 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8020% | 791 |
| Loan loss allowance to noncurrent loans | 85.3061% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.1494% | 4,779 |
| Noncurrent loans to loans | 3.2846% | 2,299 |
| Net loans and leases to total assets | 34.0120% | 7,690 |
| Net loans and leases to deposits | 39.3573% | 7,751 |
| Net loans and leases to core deposits | 45.5717% | 7,773 |
| Total domestic deposits to total assets | 86.4187% | 2,466 |
| Equity capital to assets | 13.4828% | 1,509 |
| Core capital (leverage) ratio | 12.1246% | 1,747 |
| Tier 1 risk-based capital ratio | 27.4358% | 716 |
| Total risk-based capital ratio | 28.6989% | 697 |
| Memoranda: |
| Average total assets | $22,279,000 | 7,795 |
| Average earning assets | $21,176,000 | 7,750 |
| Average equity | $2,762,750 | 7,728 |
| Average total loans | $7,456,000 | 7,881 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2468% | 5,886 |
| Cost of funding earning assets | 1.1722% | 7,189 |
| Net interest margin | 4.0747% | 2,422 |
| Noninterest income to average assets | 0.7080% | 2,946 |
| Noninterest expense to average assets | 3.6195% | 2,025 |
| Loan and lease loss provision to assets | 0.2566% | 4,523 |
| Net operating income to assets | 0.7080% | 3,218 |
| Return on assets (ROA) | 0.7080% | 3,325 |
| Pretax return on assets | 0.7080% | 3,969 |
| Return on Equity (ROE) | 5.8701% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.4487% | 3,398 |
| Net charge-offs to loans | 1.9852% | 936 |
| Credit loss provision to net charge-offs | 39.1892% | 5,915 |
| Earnings coverage of net charge-offs (x) | 1.4730% | 4,429 |
| Efficiency ratio | 78.9575% | 3,198 |
| Assets per employee ($millions) | 2.3028% | 7,548 |
| Cash dividends to net income (ytd only)* | 41.2500% | 2,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8221% | 662 |
| Loan loss allowance to noncurrent loans | 73.2877% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 4,402 |
| Noncurrent loans to loans | 3.8507% | 1,763 |
| Net loans and leases to total assets | 32.0002% | 7,845 |
| Net loans and leases to deposits | 36.3041% | 7,894 |
| Net loans and leases to core deposits | 43.1870% | 7,888 |
| Total domestic deposits to total assets | 88.1449% | 1,695 |
| Equity capital to assets | 11.7466% | 2,355 |
| Core capital (leverage) ratio | 11.9913% | 1,832 |
| Tier 1 risk-based capital ratio | 21.8005% | 1,280 |
| Total risk-based capital ratio | 23.0577% | 1,253 |
| Memoranda: |
| Average total assets | $22,600,000 | 7,861 |
| Average earning assets | $21,498,670 | 7,807 |
| Average equity | $2,725,670 | 7,812 |
| Average total loans | $7,455,000 | 7,967 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4932% | 4,948 |
| Cost of funding earning assets | 1.2416% | 7,196 |
| Net interest margin | 4.2516% | 1,741 |
| Noninterest income to average assets | 0.6254% | 3,379 |
| Noninterest expense to average assets | 3.5022% | 2,096 |
| Loan and lease loss provision to assets | 0.1787% | 4,669 |
| Net operating income to assets | 0.9828% | 2,387 |
| Return on assets (ROA) | 0.9828% | 2,516 |
| Pretax return on assets | 0.9828% | 3,411 |
| Return on Equity (ROE) | 8.0409% | 3,133 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,838 |
| Net charge-offs to loans | 5.3037% | 191 |
| Credit loss provision to net charge-offs | 10.2041% | 5,196 |
| Earnings coverage of net charge-offs (x) | 0.6633% | 4,472 |
| Efficiency ratio | 75.0958% | 3,645 |
| Assets per employee ($millions) | 2.2002% | 7,714 |
| Cash dividends to net income (ytd only)* | 30.9091% | 2,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3364% | 910 |
| Loan loss allowance to noncurrent loans | 98.2759% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 5,199 |
| Noncurrent loans to loans | 2.3774% | 2,768 |
| Net loans and leases to total assets | 32.4880% | 7,853 |
| Net loans and leases to deposits | 37.2292% | 7,915 |
| Net loans and leases to core deposits | 44.0012% | 7,904 |
| Total domestic deposits to total assets | 87.2648% | 2,087 |
| Equity capital to assets | 12.6125% | 1,923 |
| Core capital (leverage) ratio | 11.9148% | 1,934 |
| Tier 1 risk-based capital ratio | 24.4328% | 1,026 |
| Total risk-based capital ratio | 25.6983% | 1,005 |
| Memoranda: |
| Average total assets | $22,386,000 | 7,914 |
| Average earning assets | $21,262,500 | 7,868 |
| Average equity | $2,736,000 | 7,863 |
| Average total loans | $7,391,000 | 8,018 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0645% | 5,233 |
| Cost of funding earning assets | 1.7466% | 7,141 |
| Net interest margin | 4.3179% | 1,925 |
| Noninterest income to average assets | 0.7558% | 2,750 |
| Noninterest expense to average assets | 3.6106% | 2,117 |
| Loan and lease loss provision to assets | 0.0683% | 6,537 |
| Net operating income to assets | 1.1292% | 2,030 |
| Return on assets (ROA) | 0.9334% | 2,713 |
| Pretax return on assets | 0.9334% | 3,605 |
| Return on Equity (ROE) | 7.8214% | 3,143 |
| Retained earnings to average equity (ytd only) | 4.0061% | 2,641 |
| Net charge-offs to loans | 0.1067% | 5,222 |
| Credit loss provision to net charge-offs | 187.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | 32.8750% | 1,097 |
| Efficiency ratio | 75.0947% | 3,385 |
| Assets per employee ($millions) | 2.5300% | 7,153 |
| Cash dividends to net income (ytd only)* | 48.7805% | 3,187 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4705% | 284 |
| Loan loss allowance to noncurrent loans | 187.6812% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 5,380 |
| Noncurrent loans to loans | 1.8491% | 2,986 |
| Net loans and leases to total assets | 31.6381% | 7,956 |
| Net loans and leases to deposits | 35.9499% | 8,027 |
| Net loans and leases to core deposits | 41.8084% | 8,026 |
| Total domestic deposits to total assets | 88.0061% | 1,470 |
| Equity capital to assets | 11.8445% | 2,389 |
| Core capital (leverage) ratio | 11.9013% | 2,024 |
| Tier 1 risk-based capital ratio | 20.8412% | 1,473 |
| Total risk-based capital ratio | 22.1779% | 1,436 |
| Memoranda: |
| Average total assets | $21,963,200 | 7,949 |
| Average earning assets | $20,611,800 | 7,909 |
| Average equity | $2,621,000 | 7,945 |
| Average total loans | $7,495,200 | 8,055 |
