Home > Genesis Bank > Performance and Condition Ratios
Genesis Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3690% | 224 |
| Cost of funding earning assets | 2.9476% | 362 |
| Net interest margin | 4.4214% | 715 |
| Noninterest income to average assets | 0.7700% | 867 |
| Noninterest expense to average assets | 4.0356% | 373 |
| Loan and lease loss provision to assets | 0.1900% | 635 |
| Net operating income to assets | 0.5101% | 3,551 |
| Return on assets (ROA) | 0.5101% | 3,567 |
| Pretax return on assets | 0.5773% | 3,612 |
| Return on Equity (ROE) | 2.7000% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.7010% | 3,166 |
| Net charge-offs to loans | 0.3211% | 381 |
| Credit loss provision to net charge-offs | 82.9268% | 1,387 |
| Earnings coverage of net charge-offs (x) | 3.3415% | 2,021 |
| Efficiency ratio | 84.0140% | 732 |
| Assets per employee ($millions) | 4.1882% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,218 |
| Loan loss allowance to noncurrent loans | 32.3029% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.5747% | 138 |
| Noncurrent loans to loans | 3.6957% | 143 |
| Net loans and leases to total assets | 68.8400% | 1,972 |
| Net loans and leases to deposits | 85.2931% | 1,562 |
| Net loans and leases to core deposits | 142.1092% | 203 |
| Total domestic deposits to total assets | 80.7100% | 3,519 |
| Equity capital to assets | 17.9248% | 350 |
| Core capital (leverage) ratio | 19.1191% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $71,364,500 | 4,029 |
| Average earning assets | $65,138,000 | 4,019 |
| Average equity | $13,476,500 | 3,484 |
| Average total loans | $51,067,500 | 3,804 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5299% | 115 |
| Cost of funding earning assets | 2.3731% | 1,407 |
| Net interest margin | 6.1568% | 97 |
| Noninterest income to average assets | 0.9600% | 660 |
| Noninterest expense to average assets | 5.5448% | 196 |
| Loan and lease loss provision to assets | 0.2900% | 427 |
| Net operating income to assets | 0.8214% | 2,633 |
| Return on assets (ROA) | 0.8214% | 2,632 |
| Pretax return on assets | 0.8214% | 2,998 |
| Return on Equity (ROE) | 3.9000% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.8987% | 2,675 |
| Net charge-offs to loans | 0.4218% | 360 |
| Credit loss provision to net charge-offs | 102.8249% | 1,853 |
| Earnings coverage of net charge-offs (x) | 3.9266% | 2,711 |
| Efficiency ratio | 83.2852% | 839 |
| Assets per employee ($millions) | 3.7412% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 1,789 |
| Loan loss allowance to noncurrent loans | 31.4456% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.9892% | 86 |
| Noncurrent loans to loans | 4.0573% | 96 |
| Net loans and leases to total assets | 72.7300% | 1,585 |
| Net loans and leases to deposits | 92.9360% | 948 |
| Net loans and leases to core deposits | 180.5086% | 71 |
| Total domestic deposits to total assets | 78.2600% | 3,749 |
| Equity capital to assets | 19.9578% | 273 |
| Core capital (leverage) ratio | 19.2911% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $62,454,400 | 4,115 |
| Average earning assets | $57,773,200 | 4,093 |
| Average equity | $13,158,200 | 3,498 |
| Average total loans | $41,961,400 | 3,934 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5378% | 120 |
| Cost of funding earning assets | 2.1746% | 1,801 |
| Net interest margin | 6.3632% | 79 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 5.4806% | 192 |
| Loan and lease loss provision to assets | 0.3400% | 301 |
| Net operating income to assets | 0.6315% | 3,133 |
| Return on assets (ROA) | 0.6315% | 3,161 |
| Pretax return on assets | 0.6315% | 3,416 |
| Return on Equity (ROE) | 2.9500% | 3,897 |
| Retained earnings to average equity (ytd only) | 2.9543% | 3,194 |
| Net charge-offs to loans | 0.5693% | 235 |
| Credit loss provision to net charge-offs | 91.8129% | 1,765 |
| Earnings coverage of net charge-offs (x) | 2.6140% | 2,578 |
| Efficiency ratio | 84.9190% | 756 |
| Assets per employee ($millions) | 4.3453% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 1,747 |
| Loan loss allowance to noncurrent loans | 45.2135% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9533% | 211 |
| Noncurrent loans to loans | 2.8584% | 222 |
| Net loans and leases to total assets | 67.4500% | 2,154 |
| Net loans and leases to deposits | 85.1583% | 1,716 |
| Net loans and leases to core deposits | 156.2750% | 139 |
| Total domestic deposits to total assets | 79.2100% | 3,584 |
| Equity capital to assets | 19.0176% | 302 |
| Core capital (leverage) ratio | 20.3813% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $61,232,500 | 4,139 |
| Average earning assets | $56,406,250 | 4,130 |
| Average equity | $13,087,750 | 3,515 |
| Average total loans | $40,048,250 | 3,979 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4730% | 124 |
| Cost of funding earning assets | 1.9177% | 2,308 |
| Net interest margin | 6.5553% | 64 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 5.4628% | 193 |
| Loan and lease loss provision to assets | 0.3800% | 244 |
| Net operating income to assets | 0.8620% | 2,410 |
| Return on assets (ROA) | 0.8620% | 2,426 |
| Pretax return on assets | 0.8620% | 2,843 |
| Return on Equity (ROE) | 3.8600% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.8641% | 2,761 |
| Net charge-offs to loans | 0.9105% | 147 |
| Credit loss provision to net charge-offs | 64.3275% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.1170% | 2,417 |
| Efficiency ratio | 81.5212% | 1,023 |
| Assets per employee ($millions) | 3.7798% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 1,571 |
| Loan loss allowance to noncurrent loans | 38.1561% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.3126% | 129 |
| Noncurrent loans to loans | 3.5152% | 133 |
| Net loans and leases to total assets | 64.9100% | 2,460 |
| Net loans and leases to deposits | 83.7927% | 1,852 |
| Net loans and leases to core deposits | 154.7053% | 163 |
| Total domestic deposits to total assets | 77.4600% | 3,765 |
| Equity capital to assets | 20.5257% | 266 |
| Core capital (leverage) ratio | 20.4925% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $58,468,333 | 4,188 |
| Average earning assets | $54,337,333 | 4,168 |
| Average equity | $13,043,000 | 3,502 |
| Average total loans | $37,561,333 | 4,023 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0070% | 163 |
| Cost of funding earning assets | 1.5362% | 3,104 |
| Net interest margin | 6.4708% | 84 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 5.5277% | 194 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 0.7773% | 2,607 |
| Return on assets (ROA) | 0.7917% | 2,583 |
| Pretax return on assets | 0.7917% | 2,948 |
| Return on Equity (ROE) | 3.3900% | 3,782 |
| Retained earnings to average equity (ytd only) | 3.3924% | 2,874 |
| Net charge-offs to loans | 0.2841% | 331 |
| Credit loss provision to net charge-offs | 160.0000% | 908 |
| Earnings coverage of net charge-offs (x) | 5.9200% | 1,840 |
| Efficiency ratio | 83.8428% | 925 |
| Assets per employee ($millions) | 3.9835% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 613 |
| Loan loss allowance to noncurrent loans | 47.3142% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 2.2744% | 117 |
| Noncurrent loans to loans | 3.6724% | 111 |
| Net loans and leases to total assets | 60.8600% | 2,778 |
| Net loans and leases to deposits | 79.7837% | 2,077 |
| Net loans and leases to core deposits | 130.2167% | 412 |
| Total domestic deposits to total assets | 76.2800% | 3,965 |
| Equity capital to assets | 21.7964% | 235 |
| Core capital (leverage) ratio | 23.0399% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $55,574,500 | 4,240 |
| Average earning assets | $51,555,000 | 4,222 |
| Average equity | $12,970,000 | 3,514 |
| Average total loans | $35,205,000 | 4,072 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3795% | 173 |
| Cost of funding earning assets | 0.6343% | 4,024 |
| Net interest margin | 6.7452% | 65 |
| Noninterest income to average assets | 15.8500% | 76 |
| Noninterest expense to average assets | 8.0310% | 133 |
| Loan and lease loss provision to assets | 0.7700% | 97 |
| Net operating income to assets | 9.2985% | 45 |
| Return on assets (ROA) | 7.9959% | 48 |
| Pretax return on assets | 11.4079% | 48 |
| Return on Equity (ROE) | 36.3100% | 114 |
| Retained earnings to average equity (ytd only) | 36.3097% | 34 |
| Net charge-offs to loans | 0.0038% | 2,617 |
| Credit loss provision to net charge-offs | 35,100.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 6,290.0000% | 12 |
| Efficiency ratio | 36.7394% | 4,424 |
| Assets per employee ($millions) | 3.4264% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 461 |
| Loan loss allowance to noncurrent loans | 63.8211% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.9145% | 156 |
| Noncurrent loans to loans | 2.9458% | 149 |
| Net loans and leases to total assets | 63.7700% | 2,484 |
| Net loans and leases to deposits | 87.2096% | 1,518 |
| Net loans and leases to core deposits | 167.7809% | 126 |
| Total domestic deposits to total assets | 73.1200% | 4,159 |
| Equity capital to assets | 25.1304% | 192 |
| Core capital (leverage) ratio | 25.3344% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,486,000 | 4,352 |
| Average earning assets | $40,517,600 | 4,341 |
| Average equity | $10,016,600 | 3,718 |
| Average total loans | $26,478,600 | 4,193 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0616% | 187 |
| Cost of funding earning assets | 0.4210% | 4,231 |
| Net interest margin | 6.6406% | 65 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 5.8139% | 185 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 1.0270% | 2,281 |
| Return on assets (ROA) | 1.0270% | 2,270 |
| Pretax return on assets | 1.0270% | 2,775 |
| Return on Equity (ROE) | 4.8600% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.8644% | 2,981 |
| Net charge-offs to loans | 0.0054% | 2,265 |
| Credit loss provision to net charge-offs | 13,800.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 477.0000% | 317 |
| Efficiency ratio | 80.0918% | 851 |
| Assets per employee ($millions) | 3.6116% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 1,625 |
| Loan loss allowance to noncurrent loans | 45.5543% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.8017% | 175 |
| Noncurrent loans to loans | 2.9832% | 139 |
| Net loans and leases to total assets | 59.5800% | 2,888 |
| Net loans and leases to deposits | 75.5284% | 2,459 |
| Net loans and leases to core deposits | 137.9321% | 244 |
| Total domestic deposits to total assets | 78.8800% | 3,713 |
| Equity capital to assets | 19.2809% | 303 |
| Core capital (leverage) ratio | 21.2884% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,008,500 | 4,379 |
| Average earning assets | $38,951,250 | 4,373 |
| Average equity | $9,291,750 | 3,790 |
| Average total loans | $24,747,250 | 4,235 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0040% | 174 |
| Cost of funding earning assets | 0.0933% | 4,521 |
| Net interest margin | 6.9107% | 54 |
| Noninterest income to average assets | 1.6700% | 291 |
| Noninterest expense to average assets | 5.7719% | 178 |
| Loan and lease loss provision to assets | 0.5700% | 122 |
| Net operating income to assets | 1.3533% | 1,443 |
| Return on assets (ROA) | 1.3533% | 1,428 |
| Pretax return on assets | 1.3533% | 1,936 |
| Return on Equity (ROE) | 6.1900% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.1930% | 2,552 |
| Net charge-offs to loans | 0.0088% | 1,876 |
| Credit loss provision to net charge-offs | 11,900.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 359 |
| Efficiency ratio | 75.0155% | 1,252 |
| Assets per employee ($millions) | 3.1404% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,318 |
| Loan loss allowance to noncurrent loans | 93.1765% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 542 |
| Noncurrent loans to loans | 1.5649% | 415 |
| Net loans and leases to total assets | 56.8100% | 3,062 |
| Net loans and leases to deposits | 72.0164% | 2,646 |
| Net loans and leases to core deposits | 119.9982% | 513 |
| Total domestic deposits to total assets | 78.8900% | 3,735 |
| Equity capital to assets | 19.7087% | 288 |
| Core capital (leverage) ratio | 23.4391% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $41,823,667 | 4,417 |
| Average earning assets | $36,436,333 | 4,416 |
| Average equity | $9,139,333 | 3,832 |
| Average total loans | $22,817,000 | 4,289 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2995% | 222 |
| Cost of funding earning assets | 0.0938% | 4,545 |
| Net interest margin | 6.2056% | 83 |
| Noninterest income to average assets | 2.4700% | 192 |
| Noninterest expense to average assets | 5.7066% | 194 |
| Loan and lease loss provision to assets | 0.8100% | 84 |
| Net operating income to assets | 1.3577% | 1,517 |
| Return on assets (ROA) | 1.3577% | 1,484 |
| Pretax return on assets | 1.3577% | 1,995 |
| Return on Equity (ROE) | 5.8700% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.8674% | 2,803 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5032% | 1,494 |
| Assets per employee ($millions) | 3.1362% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 837 |
| Loan loss allowance to noncurrent loans | 161.9910% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 874 |
| Noncurrent loans to loans | 1.0415% | 698 |
| Net loans and leases to total assets | 55.4300% | 3,075 |
| Net loans and leases to deposits | 74.6636% | 2,243 |
| Net loans and leases to core deposits | 94.1041% | 1,388 |
| Total domestic deposits to total assets | 74.2400% | 4,273 |
| Equity capital to assets | 24.2679% | 161 |
| Core capital (leverage) ratio | 22.7729% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $39,182,500 | 4,506 |
| Average earning assets | $34,098,000 | 4,499 |
| Average equity | $9,067,000 | 3,890 |
| Average total loans | $20,646,500 | 4,385 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3494% | 76 |
| Cost of funding earning assets | 0.1378% | 4,189 |
| Net interest margin | 6.2116% | 47 |
| Noninterest income to average assets | 1.2100% | 467 |
| Noninterest expense to average assets | 4.9558% | 220 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 1.0540% | 2,359 |
| Return on assets (ROA) | 1.0540% | 2,308 |
| Pretax return on assets | 1.0540% | 2,906 |
| Return on Equity (ROE) | 5.4000% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.4032% | 2,870 |
| Net charge-offs to loans | 0.2158% | 379 |
| Credit loss provision to net charge-offs | 424.1379% | 753 |
| Earnings coverage of net charge-offs (x) | 16.6207% | 1,973 |
| Efficiency ratio | 77.7880% | 861 |
| Assets per employee ($millions) | 3.3943% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,548 |
| Loan loss allowance to noncurrent loans | 54.9407% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 299 |
| Noncurrent loans to loans | 2.5207% | 185 |
| Net loans and leases to total assets | 48.6000% | 3,623 |
| Net loans and leases to deposits | 63.5261% | 3,079 |
| Net loans and leases to core deposits | 83.7501% | 1,888 |
| Total domestic deposits to total assets | 76.5100% | 4,222 |
| Equity capital to assets | 22.0986% | 189 |
| Core capital (leverage) ratio | 22.4761% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $34,061,400 | 4,587 |
| Average earning assets | $28,301,800 | 4,576 |
| Average equity | $6,644,200 | 4,257 |
| Average total loans | $13,440,600 | 4,509 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7942% | 89 |
| Cost of funding earning assets | 0.1506% | 3,837 |
| Net interest margin | 5.6436% | 64 |
| Noninterest income to average assets | 1.3000% | 432 |
| Noninterest expense to average assets | 4.5028% | 252 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.2101% | 1,663 |
| Return on assets (ROA) | 1.2101% | 1,637 |
| Pretax return on assets | 1.2101% | 2,327 |
| Return on Equity (ROE) | 6.4700% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.4738% | 2,561 |
| Net charge-offs to loans | 0.0792% | 747 |
| Credit loss provision to net charge-offs | 728.5714% | 501 |
| Earnings coverage of net charge-offs (x) | 49.2857% | 1,296 |
| Efficiency ratio | 76.0250% | 1,078 |
| Assets per employee ($millions) | 3.2488% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,712 |
| Loan loss allowance to noncurrent loans | 237.5000% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 1,990 |
| Noncurrent loans to loans | 0.5770% | 1,390 |
| Net loans and leases to total assets | 42.0900% | 3,979 |
| Net loans and leases to deposits | 55.3647% | 3,530 |
| Net loans and leases to core deposits | 75.6838% | 2,221 |
| Total domestic deposits to total assets | 76.0200% | 4,364 |
| Equity capital to assets | 22.9216% | 163 |
| Core capital (leverage) ratio | 24.7548% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $32,394,000 | 4,625 |
| Average earning assets | $26,554,500 | 4,620 |
| Average equity | $6,055,000 | 4,365 |
| Average total loans | $11,782,250 | 4,567 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 232 |
| Cost of funding earning assets | 0.1559% | 3,502 |
| Net interest margin | 4.6120% | 164 |
| Noninterest income to average assets | 1.6028% | 307 |
| Noninterest expense to average assets | 4.4905% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8345% | 2,836 |
| Return on assets (ROA) | 0.8345% | 2,811 |
| Pretax return on assets | 0.8345% | 3,241 |
| Return on Equity (ROE) | 4.9463% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.9463% | 2,726 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3284% | 667 |
| Assets per employee ($millions) | 3.4415% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,520 |
| Loan loss allowance to noncurrent loans | 242.1053% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,208 |
| Noncurrent loans to loans | 0.6031% | 1,403 |
| Net loans and leases to total assets | 36.0831% | 4,247 |
| Net loans and leases to deposits | 42.9822% | 4,156 |
| Net loans and leases to core deposits | 49.8295% | 3,944 |
| Total domestic deposits to total assets | 83.9489% | 3,698 |
| Equity capital to assets | 15.5978% | 361 |
| Core capital (leverage) ratio | 17.7326% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,197,000 | 4,678 |
| Average earning assets | $24,371,000 | 4,690 |
| Average equity | $5,094,667 | 4,515 |
| Average total loans | $10,164,000 | 4,658 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 446 |
| Cost of funding earning assets | 0.1833% | 3,041 |
| Net interest margin | 4.1068% | 336 |
| Noninterest income to average assets | 0.3275% | 3,139 |
| Noninterest expense to average assets | 4.8704% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.3529% | 4,749 |
| Return on assets (ROA) | -1.3529% | 4,747 |
| Pretax return on assets | -1.3529% | 4,745 |
| Return on Equity (ROE) | -7.6644% | 4,729 |
| Retained earnings to average equity (ytd only) | -7.6644% | 4,518 |
| Net charge-offs to loans | -0.0447% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.4615% | 56 |
| Assets per employee ($millions) | 3.0958% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 657 |
| Loan loss allowance to noncurrent loans | 289.0625% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 2,267 |
| Noncurrent loans to loans | 0.6804% | 1,397 |
| Net loans and leases to total assets | 33.0953% | 4,336 |
| Net loans and leases to deposits | 41.0698% | 4,203 |
| Net loans and leases to core deposits | 47.9611% | 3,983 |
| Total domestic deposits to total assets | 80.5829% | 4,241 |
| Equity capital to assets | 18.4732% | 210 |
| Core capital (leverage) ratio | 17.8146% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,088,000 | 4,716 |
| Average earning assets | $21,817,500 | 4,731 |
| Average equity | $4,958,000 | 4,565 |
| Average total loans | $8,945,000 | 4,702 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 1,366 |
| Cost of funding earning assets | 0.1893% | 3,564 |
| Net interest margin | 3.8056% | 997 |
| Noninterest income to average assets | 7.9148% | 80 |
| Noninterest expense to average assets | 8.2568% | 90 |
| Loan and lease loss provision to assets | 0.4120% | 161 |
| Net operating income to assets | 1.7717% | 540 |
| Return on assets (ROA) | 1.7717% | 568 |
| Pretax return on assets | 2.3938% | 300 |
| Return on Equity (ROE) | 9.7250% | 2,632 |
| Retained earnings to average equity (ytd only) | 9.7250% | 985 |
| Net charge-offs to loans | 0.7622% | 94 |
| Credit loss provision to net charge-offs | 185.1852% | 1,348 |
| Earnings coverage of net charge-offs (x) | 12.6111% | 2,110 |
| Efficiency ratio | 74.6369% | 1,238 |
| Assets per employee ($millions) | 3.4941% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1688% | 469 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 2,636 |
| Noncurrent loans to loans | 0.6129% | 1,613 |
| Net loans and leases to total assets | 29.6927% | 4,522 |
| Net loans and leases to deposits | 35.6897% | 4,485 |
| Net loans and leases to core deposits | 42.7967% | 4,310 |
| Total domestic deposits to total assets | 83.1968% | 3,765 |
| Equity capital to assets | 16.1915% | 359 |
| Core capital (leverage) ratio | 16.8291% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,271,000 | 4,782 |
| Average earning assets | $20,075,600 | 4,779 |
| Average equity | $4,421,600 | 4,680 |
| Average total loans | $7,085,000 | 4,770 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 1,446 |
| Cost of funding earning assets | 0.1813% | 3,807 |
| Net interest margin | 3.8600% | 1,008 |
| Noninterest income to average assets | 10.8203% | 63 |
| Noninterest expense to average assets | 3.9170% | 306 |
| Loan and lease loss provision to assets | 0.5696% | 92 |
| Net operating income to assets | 9.6155% | 22 |
| Return on assets (ROA) | 9.6155% | 22 |
| Pretax return on assets | 9.6155% | 28 |
| Return on Equity (ROE) | 51.0813% | 17 |
| Retained earnings to average equity (ytd only) | 51.0813% | 4 |
| Net charge-offs to loans | 1.0888% | 57 |
| Credit loss provision to net charge-offs | 181.8182% | 1,253 |
| Earnings coverage of net charge-offs (x) | 32.4364% | 1,486 |
| Efficiency ratio | 27.7733% | 4,873 |
| Assets per employee ($millions) | 3.2209% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 435 |
| Loan loss allowance to noncurrent loans | 375.5102% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 2,847 |
| Noncurrent loans to loans | 0.5932% | 1,828 |
| Net loans and leases to total assets | 31.3424% | 4,558 |
| Net loans and leases to deposits | 40.6687% | 4,428 |
| Net loans and leases to core deposits | 48.1115% | 4,231 |
| Total domestic deposits to total assets | 77.0676% | 4,492 |
| Equity capital to assets | 22.4318% | 126 |
| Core capital (leverage) ratio | 23.1772% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6346% | 85 |
| Memoranda: | ||
| Average total assets | $23,350,500 | 4,857 |
| Average earning assets | $19,861,250 | 4,853 |
| Average equity | $4,395,500 | 4,749 |
| Average total loans | $6,735,250 | 4,845 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 1,689 |
| Cost of funding earning assets | 0.1855% | 3,895 |
| Net interest margin | 3.7611% | 1,202 |
| Noninterest income to average assets | 0.4169% | 3,023 |
| Noninterest expense to average assets | 3.6727% | 378 |
| Loan and lease loss provision to assets | 0.6121% | 74 |
| Net operating income to assets | -0.6299% | 4,879 |
| Return on assets (ROA) | -0.6299% | 4,885 |
| Pretax return on assets | -0.6299% | 4,878 |
| Return on Equity (ROE) | -3.6096% | 4,863 |
| Retained earnings to average equity (ytd only) | -3.6096% | 4,742 |
| Net charge-offs to loans | 0.0321% | 1,333 |
| Credit loss provision to net charge-offs | 6,900.0000% | 92 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 2,216 |
| Efficiency ratio | 100.4854% | 162 |
| Assets per employee ($millions) | 3.2939% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 677 |
| Loan loss allowance to noncurrent loans | 178.4810% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 2,224 |
| Noncurrent loans to loans | 1.0883% | 1,112 |
| Net loans and leases to total assets | 30.8713% | 4,623 |
| Net loans and leases to deposits | 37.3746% | 4,599 |
| Net loans and leases to core deposits | 44.5543% | 4,443 |
| Total domestic deposits to total assets | 82.5996% | 3,790 |
| Equity capital to assets | 16.9146% | 332 |
| Core capital (leverage) ratio | 17.0430% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0796% | 133 |
| Memoranda: | ||
| Average total assets | $22,545,000 | 4,899 |
| Average earning assets | $19,409,000 | 4,890 |
| Average equity | $3,934,000 | 4,806 |
| Average total loans | $6,227,000 | 4,887 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7630% | 2,208 |
| Cost of funding earning assets | 0.1924% | 3,986 |
| Net interest margin | 3.5706% | 1,661 |
| Noninterest income to average assets | 0.3769% | 3,212 |
| Noninterest expense to average assets | 3.2482% | 652 |
| Loan and lease loss provision to assets | 0.5743% | 105 |
| Net operating income to assets | -0.4487% | 4,882 |
| Return on assets (ROA) | -0.4487% | 4,885 |
| Pretax return on assets | -0.4487% | 4,883 |
| Return on Equity (ROE) | -2.5310% | 4,869 |
| Retained earnings to average equity (ytd only) | -2.5310% | 4,572 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2766% | 244 |
| Assets per employee ($millions) | 3.6802% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 1,047 |
| Loan loss allowance to noncurrent loans | 84.6774% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 1,692 |
| Noncurrent loans to loans | 2.0078% | 538 |
| Net loans and leases to total assets | 27.4942% | 4,762 |
| Net loans and leases to deposits | 33.6269% | 4,733 |
| Net loans and leases to core deposits | 40.5057% | 4,605 |
| Total domestic deposits to total assets | 81.7626% | 3,940 |
| Equity capital to assets | 17.8298% | 263 |
| Core capital (leverage) ratio | 16.8541% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1283% | 107 |
| Memoranda: | ||
| Average total assets | $22,289,000 | 4,928 |
| Average earning assets | $18,708,500 | 4,925 |
| Average equity | $3,951,000 | 4,827 |
| Average total loans | $5,711,000 | 4,920 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 3,557 |
| Cost of funding earning assets | 0.2865% | 4,214 |
| Net interest margin | 3.4204% | 2,707 |
| Noninterest income to average assets | 1.1921% | 783 |
| Noninterest expense to average assets | 3.2758% | 933 |
| Loan and lease loss provision to assets | 0.3206% | 1,150 |
| Net operating income to assets | 0.4658% | 4,107 |
| Return on assets (ROA) | 0.4658% | 4,187 |
| Pretax return on assets | 0.4658% | 4,331 |
| Return on Equity (ROE) | 2.9639% | 4,390 |
| Retained earnings to average equity (ytd only) | 2.9639% | 3,378 |
| Net charge-offs to loans | 0.4824% | 338 |
| Credit loss provision to net charge-offs | 266.6667% | 1,861 |
| Earnings coverage of net charge-offs (x) | 6.5417% | 2,774 |
| Efficiency ratio | 80.6412% | 840 |
| Assets per employee ($millions) | 3.7495% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 2,004 |
| Loan loss allowance to noncurrent loans | 42.6901% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 1,350 |
| Noncurrent loans to loans | 3.2596% | 241 |
| Net loans and leases to total assets | 22.9942% | 4,863 |
| Net loans and leases to deposits | 28.0364% | 4,859 |
| Net loans and leases to core deposits | 33.5299% | 4,815 |
| Total domestic deposits to total assets | 82.0154% | 3,660 |
| Equity capital to assets | 17.6246% | 296 |
| Core capital (leverage) ratio | 17.9822% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.7177% | 90 |
| Memoranda: | ||
| Average total assets | $19,964,400 | 4,954 |
| Average earning assets | $16,752,200 | 4,954 |
| Average equity | $3,137,800 | 4,902 |
| Average total loans | $4,975,200 | 4,951 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 3,810 |
| Cost of funding earning assets | 0.2978% | 4,322 |
| Net interest margin | 3.3966% | 2,935 |
| Noninterest income to average assets | 0.5587% | 2,356 |
| Noninterest expense to average assets | 3.1037% | 1,233 |
| Loan and lease loss provision to assets | 0.3311% | 1,172 |
| Net operating income to assets | 0.0345% | 4,749 |
| Return on assets (ROA) | 0.0345% | 4,771 |
| Pretax return on assets | 0.0345% | 4,764 |
| Return on Equity (ROE) | 0.2274% | 4,774 |
| Retained earnings to average equity (ytd only) | 0.2274% | 4,440 |
| Net charge-offs to loans | 0.1902% | 789 |
| Credit loss provision to net charge-offs | 685.7143% | 1,082 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,569 |
| Efficiency ratio | 89.4632% | 377 |
| Assets per employee ($millions) | 4.2142% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,212 |
| Loan loss allowance to noncurrent loans | 83.1461% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 2,477 |
| Noncurrent loans to loans | 1.5473% | 916 |
| Net loans and leases to total assets | 26.9470% | 4,871 |
| Net loans and leases to deposits | 33.1562% | 4,863 |
| Net loans and leases to core deposits | 43.5797% | 4,718 |
| Total domestic deposits to total assets | 81.2728% | 3,595 |
| Equity capital to assets | 18.4044% | 274 |
| Core capital (leverage) ratio | 18.2755% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.9810% | 86 |
| Memoranda: | ||
| Average total assets | $19,331,250 | 4,988 |
| Average earning assets | $16,565,000 | 4,986 |
| Average equity | $2,931,000 | 4,937 |
| Average total loans | $4,907,500 | 4,983 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 4,551 |
| Cost of funding earning assets | 0.3183% | 4,401 |
| Net interest margin | 3.0685% | 3,973 |
| Noninterest income to average assets | 0.3840% | 3,180 |
| Noninterest expense to average assets | 2.8265% | 2,035 |
| Loan and lease loss provision to assets | 0.1707% | 2,299 |
| Net operating income to assets | -0.0427% | 4,806 |
| Return on assets (ROA) | -0.0427% | 4,812 |
| Pretax return on assets | -0.0427% | 4,808 |
| Return on Equity (ROE) | -0.3059% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.3059% | 4,361 |
| Net charge-offs to loans | 0.0432% | 1,883 |
| Credit loss provision to net charge-offs | 1,600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,078 |
| Efficiency ratio | 95.6679% | 252 |
| Assets per employee ($millions) | 5.3235% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,493 |
| Loan loss allowance to noncurrent loans | 45.2830% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 2,342 |
| Noncurrent loans to loans | 2.2448% | 557 |
| Net loans and leases to total assets | 21.9498% | 4,942 |
| Net loans and leases to deposits | 26.9085% | 4,943 |
| Net loans and leases to core deposits | 35.3609% | 4,889 |
| Total domestic deposits to total assets | 81.5723% | 3,481 |
| Equity capital to assets | 18.1600% | 291 |
| Core capital (leverage) ratio | 20.4833% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.6739% | 80 |
| Memoranda: | ||
| Average total assets | $18,751,333 | 5,022 |
| Average earning assets | $15,708,000 | 5,022 |
| Average equity | $2,615,333 | 4,993 |
| Average total loans | $4,626,000 | 5,016 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 4,007 |
| Cost of funding earning assets | 0.3611% | 4,479 |
| Net interest margin | 3.5554% | 2,804 |
| Noninterest income to average assets | 0.4348% | 2,883 |
| Noninterest expense to average assets | 2.9748% | 1,943 |
| Loan and lease loss provision to assets | 0.0686% | 2,896 |
| Net operating income to assets | 0.3204% | 4,305 |
| Return on assets (ROA) | 0.3204% | 4,331 |
| Pretax return on assets | 0.3204% | 4,423 |
| Return on Equity (ROE) | 2.8148% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.8148% | 3,152 |
| Net charge-offs to loans | 0.0874% | 1,176 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,508 |
| Efficiency ratio | 88.4354% | 563 |
| Assets per employee ($millions) | 4.1513% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,443 |
| Loan loss allowance to noncurrent loans | 23.1788% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 1,473 |
| Noncurrent loans to loans | 3.3978% | 284 |
| Net loans and leases to total assets | 26.5522% | 4,952 |
| Net loans and leases to deposits | 30.3170% | 4,972 |
| Net loans and leases to core deposits | 41.5943% | 4,850 |
| Total domestic deposits to total assets | 87.5821% | 1,285 |
| Equity capital to assets | 11.9542% | 2,104 |
| Core capital (leverage) ratio | 11.1055% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7528% | 268 |
| Memoranda: | ||
| Average total assets | $17,480,000 | 5,079 |
| Average earning assets | $14,400,500 | 5,081 |
| Average equity | $1,989,500 | 5,082 |
| Average total loans | $4,578,000 | 5,065 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 2,732 |
| Cost of funding earning assets | 0.3781% | 4,516 |
| Net interest margin | 4.1866% | 1,347 |
| Noninterest income to average assets | 0.4646% | 2,929 |
| Noninterest expense to average assets | 2.9403% | 2,169 |
| Loan and lease loss provision to assets | 0.1700% | 1,227 |
| Net operating income to assets | 0.7365% | 3,744 |
| Return on assets (ROA) | 0.7365% | 3,816 |
| Pretax return on assets | 0.7422% | 4,104 |
| Return on Equity (ROE) | 6.6218% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.7881% | 2,543 |
| Net charge-offs to loans | 0.6650% | 262 |
| Credit loss provision to net charge-offs | 88.2353% | 2,672 |
| Earnings coverage of net charge-offs (x) | 4.7353% | 3,175 |
| Efficiency ratio | 76.3235% | 1,325 |
| Assets per employee ($millions) | 4.5888% | 3,096 |
| Cash dividends to net income (ytd only)* | 27.6923% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,572 |
| Loan loss allowance to noncurrent loans | 23.4043% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 1,687 |
| Noncurrent loans to loans | 2.9924% | 316 |
| Net loans and leases to total assets | 25.4917% | 5,025 |
| Net loans and leases to deposits | 28.6985% | 5,045 |
| Net loans and leases to core deposits | 38.9819% | 4,962 |
| Total domestic deposits to total assets | 88.8259% | 740 |
| Equity capital to assets | 10.8635% | 3,122 |
| Core capital (leverage) ratio | 10.5221% | 2,931 |
| Tier 1 risk-based capital ratio | 28.0650% | 554 |
| Total risk-based capital ratio | 28.5311% | 589 |
| Memoranda: | ||
| Average total assets | $17,651,400 | 5,138 |
| Average earning assets | $14,283,800 | 5,140 |
| Average equity | $1,963,200 | 5,140 |
| Average total loans | $5,112,800 | 5,121 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 2,564 |
| Cost of funding earning assets | 0.3773% | 4,571 |
| Net interest margin | 4.2735% | 1,219 |
| Noninterest income to average assets | 0.4349% | 3,107 |
| Noninterest expense to average assets | 2.8992% | 2,269 |
| Loan and lease loss provision to assets | 0.1602% | 1,170 |
| Net operating income to assets | 0.8240% | 3,596 |
| Return on assets (ROA) | 0.8240% | 3,678 |
| Pretax return on assets | 0.8316% | 4,050 |
| Return on Equity (ROE) | 7.3638% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.3638% | 1,687 |
| Net charge-offs to loans | 0.3069% | 568 |
| Credit loss provision to net charge-offs | 175.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 10.8331% | 2,473 |
| Efficiency ratio | 74.5098% | 1,492 |
| Assets per employee ($millions) | 4.3543% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,368 |
| Loan loss allowance to noncurrent loans | 28.9308% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 1,488 |
| Noncurrent loans to loans | 2.8177% | 373 |
| Net loans and leases to total assets | 32.1353% | 5,017 |
| Net loans and leases to deposits | 36.5053% | 5,055 |
| Net loans and leases to core deposits | 46.2983% | 4,913 |
| Total domestic deposits to total assets | 88.0289% | 1,024 |
| Equity capital to assets | 11.5347% | 2,639 |
| Core capital (leverage) ratio | 11.5150% | 2,204 |
| Tier 1 risk-based capital ratio | 26.1358% | 699 |
| Total risk-based capital ratio | 26.7363% | 725 |
| Memoranda: | ||
| Average total assets | $17,475,500 | 5,219 |
| Average earning assets | $14,133,250 | 5,218 |
| Average equity | $1,955,500 | 5,218 |
| Average total loans | $5,213,000 | 5,200 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,454 |
| Cost of funding earning assets | 0.3962% | 4,525 |
| Net interest margin | 4.2733% | 1,195 |
| Noninterest income to average assets | 0.4230% | 3,112 |
| Noninterest expense to average assets | 2.9380% | 2,172 |
| Loan and lease loss provision to assets | 0.0686% | 2,448 |
| Net operating income to assets | 0.8688% | 3,403 |
| Return on assets (ROA) | 0.8688% | 3,467 |
| Pretax return on assets | 0.8688% | 3,933 |
| Return on Equity (ROE) | 7.8445% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.8445% | 1,452 |
| Net charge-offs to loans | 0.1184% | 1,245 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,544 |
| Efficiency ratio | 75.8112% | 1,416 |
| Assets per employee ($millions) | 4.4290% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,567 |
| Loan loss allowance to noncurrent loans | 33.6134% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 2,039 |
| Noncurrent loans to loans | 2.2732% | 578 |
| Net loans and leases to total assets | 29.3238% | 5,110 |
| Net loans and leases to deposits | 33.1462% | 5,138 |
| Net loans and leases to core deposits | 40.9603% | 5,064 |
| Total domestic deposits to total assets | 88.4681% | 887 |
| Equity capital to assets | 11.1650% | 2,895 |
| Core capital (leverage) ratio | 10.8763% | 2,715 |
| Tier 1 risk-based capital ratio | 26.3573% | 667 |
| Total risk-based capital ratio | 26.8922% | 694 |
| Memoranda: | ||
| Average total assets | $17,495,000 | 5,265 |
| Average earning assets | $14,134,330 | 5,265 |
| Average equity | $1,937,670 | 5,265 |
| Average total loans | $5,069,670 | 5,249 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 3,262 |
| Cost of funding earning assets | 0.3992% | 4,485 |
| Net interest margin | 3.9919% | 1,869 |
| Noninterest income to average assets | 0.3681% | 3,385 |
| Noninterest expense to average assets | 2.8761% | 2,339 |
| Loan and lease loss provision to assets | 0.0690% | 2,279 |
| Net operating income to assets | 0.6443% | 4,110 |
| Return on assets (ROA) | 0.6443% | 4,145 |
| Pretax return on assets | 0.6443% | 4,433 |
| Return on Equity (ROE) | 5.8409% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.8409% | 2,527 |
| Net charge-offs to loans | -0.0802% | 4,970 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1282% | 1,058 |
| Assets per employee ($millions) | 3.6788% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,158 |
| Loan loss allowance to noncurrent loans | 22.0430% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 1,384 |
| Noncurrent loans to loans | 4.0798% | 182 |
| Net loans and leases to total assets | 24.5624% | 5,223 |
| Net loans and leases to deposits | 27.5219% | 5,241 |
| Net loans and leases to core deposits | 33.7089% | 5,192 |
| Total domestic deposits to total assets | 89.2465% | 744 |
| Equity capital to assets | 10.4980% | 3,346 |
| Core capital (leverage) ratio | 10.4412% | 3,120 |
| Tier 1 risk-based capital ratio | 23.0419% | 929 |
| Total risk-based capital ratio | 23.5329% | 999 |
| Memoranda: | ||
| Average total assets | $17,384,500 | 5,323 |
| Average earning assets | $14,028,500 | 5,322 |
| Average equity | $1,917,500 | 5,320 |
| Average total loans | $4,987,000 | 5,309 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,295 |
| Cost of funding earning assets | 0.3988% | 3,994 |
| Net interest margin | 4.4985% | 766 |
| Noninterest income to average assets | 0.5071% | 2,795 |
| Noninterest expense to average assets | 3.7063% | 766 |
| Loan and lease loss provision to assets | 0.2442% | 710 |
| Net operating income to assets | 0.0626% | 5,204 |
| Return on assets (ROA) | 0.0626% | 5,197 |
| Pretax return on assets | 0.0876% | 5,185 |
| Return on Equity (ROE) | 0.5235% | 5,195 |
| Retained earnings to average equity (ytd only) | -0.4188% | 5,031 |
| Net charge-offs to loans | 0.7137% | 222 |
| Credit loss provision to net charge-offs | 114.7059% | 2,264 |
| Earnings coverage of net charge-offs (x) | 1.5588% | 3,614 |
| Efficiency ratio | 91.7829% | 284 |
| Assets per employee ($millions) | 3.2750% | 4,765 |
| Cash dividends to net income (ytd only)* | 180.0000% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6833% | 4,830 |
| Loan loss allowance to noncurrent loans | 11.1782% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0214% | 470 |
| Noncurrent loans to loans | 6.1127% | 69 |
| Net loans and leases to total assets | 32.8427% | 5,151 |
| Net loans and leases to deposits | 37.2877% | 5,171 |
| Net loans and leases to core deposits | 49.7594% | 4,949 |
| Total domestic deposits to total assets | 88.0794% | 1,264 |
| Equity capital to assets | 11.6275% | 2,158 |
| Core capital (leverage) ratio | 11.8644% | 1,823 |
| Tier 1 risk-based capital ratio | 25.9650% | 666 |
| Total risk-based capital ratio | 26.4714% | 714 |
| Memoranda: | ||
| Average total assets | $15,973,000 | 5,375 |
| Average earning assets | $12,537,600 | 5,375 |
| Average equity | $1,910,400 | 5,363 |
| Average total loans | $4,764,200 | 5,357 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 1,350 |
| Cost of funding earning assets | 0.3525% | 4,170 |
| Net interest margin | 4.4756% | 784 |
| Noninterest income to average assets | 0.4872% | 2,940 |
| Noninterest expense to average assets | 3.8388% | 640 |
| Loan and lease loss provision to assets | 0.3108% | 462 |
| Net operating income to assets | -0.1848% | 5,342 |
| Return on assets (ROA) | -0.1848% | 5,343 |
| Pretax return on assets | -0.1428% | 5,336 |
| Return on Equity (ROE) | -1.5340% | 5,344 |
| Retained earnings to average equity (ytd only) | -1.5340% | 5,167 |
| Net charge-offs to loans | 0.9273% | 153 |
| Credit loss provision to net charge-offs | 115.6250% | 2,046 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 3,398 |
| Efficiency ratio | 95.8071% | 204 |
| Assets per employee ($millions) | 3.0180% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 4,663 |
| Loan loss allowance to noncurrent loans | 28.0303% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 1,686 |
| Noncurrent loans to loans | 2.8109% | 418 |
| Net loans and leases to total assets | 30.8748% | 5,260 |
| Net loans and leases to deposits | 35.4809% | 5,283 |
| Net loans and leases to core deposits | 48.9391% | 5,044 |
| Total domestic deposits to total assets | 87.0179% | 1,721 |
| Equity capital to assets | 12.5249% | 1,568 |
| Core capital (leverage) ratio | 12.0938% | 1,731 |
| Tier 1 risk-based capital ratio | 28.8317% | 524 |
| Total risk-based capital ratio | 29.3983% | 552 |
| Memoranda: | ||
| Average total assets | $15,872,500 | 5,444 |
| Average earning assets | $12,482,000 | 5,445 |
| Average equity | $1,912,000 | 5,432 |
| Average total loans | $4,601,500 | 5,429 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 1,503 |
| Cost of funding earning assets | 0.3314% | 4,196 |
| Net interest margin | 4.3720% | 900 |
| Noninterest income to average assets | 0.4711% | 3,029 |
| Noninterest expense to average assets | 3.7810% | 683 |
| Loan and lease loss provision to assets | 0.0744% | 2,402 |
| Net operating income to assets | 0.0000% | 5,342 |
| Return on assets (ROA) | 0.0000% | 5,336 |
| Pretax return on assets | 0.0496% | 5,314 |
| Return on Equity (ROE) | 0.0000% | 5,336 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,955 |
| Net charge-offs to loans | -0.1313% | 5,242 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8254% | 209 |
| Assets per employee ($millions) | 3.2428% | 4,887 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,617 |
| Loan loss allowance to noncurrent loans | 16.0156% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.5789% | 819 |
| Noncurrent loans to loans | 5.1602% | 125 |
| Net loans and leases to total assets | 30.3441% | 5,317 |
| Net loans and leases to deposits | 34.5384% | 5,344 |
| Net loans and leases to core deposits | 48.0375% | 5,094 |
| Total domestic deposits to total assets | 87.8562% | 1,449 |
| Equity capital to assets | 11.7984% | 1,994 |
| Core capital (leverage) ratio | 11.4100% | 2,153 |
| Tier 1 risk-based capital ratio | 21.9986% | 1,034 |
| Total risk-based capital ratio | 22.4701% | 1,119 |
| Memoranda: | ||
| Average total assets | $16,133,330 | 5,506 |
| Average earning assets | $12,671,670 | 5,510 |
| Average equity | $1,919,330 | 5,495 |
| Average total loans | $4,570,000 | 5,492 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 1,401 |
| Cost of funding earning assets | 0.3194% | 4,201 |
| Net interest margin | 4.3435% | 872 |
| Noninterest income to average assets | 0.4474% | 3,130 |
| Noninterest expense to average assets | 3.7283% | 733 |
| Loan and lease loss provision to assets | 0.0746% | 2,274 |
| Net operating income to assets | -0.0746% | 5,413 |
| Return on assets (ROA) | -0.0746% | 5,406 |
| Pretax return on assets | 0.0249% | 5,378 |
| Return on Equity (ROE) | -0.6242% | 5,406 |
| Retained earnings to average equity (ytd only) | -0.6242% | 4,873 |
| Net charge-offs to loans | -0.1829% | 5,361 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4026% | 219 |
| Assets per employee ($millions) | 3.2730% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 4,788 |
| Loan loss allowance to noncurrent loans | 21.7647% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 1,513 |
| Noncurrent loans to loans | 3.6812% | 280 |
| Net loans and leases to total assets | 27.9927% | 5,410 |
| Net loans and leases to deposits | 31.8258% | 5,422 |
| Net loans and leases to core deposits | 39.4098% | 5,320 |
| Total domestic deposits to total assets | 87.9560% | 1,640 |
| Equity capital to assets | 11.7262% | 1,974 |
| Core capital (leverage) ratio | 11.5910% | 1,942 |
| Tier 1 risk-based capital ratio | 23.2296% | 919 |
| Total risk-based capital ratio | 23.6775% | 979 |
| Memoranda: | ||
| Average total assets | $16,093,000 | 5,570 |
| Average earning assets | $12,524,500 | 5,572 |
| Average equity | $1,922,500 | 5,551 |
| Average total loans | $4,374,500 | 5,559 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 1,808 |
| Cost of funding earning assets | 0.3205% | 3,949 |
| Net interest margin | 4.1516% | 1,298 |
| Noninterest income to average assets | 0.5730% | 2,588 |
| Noninterest expense to average assets | 3.4379% | 1,140 |
| Loan and lease loss provision to assets | 0.0784% | 2,627 |
| Net operating income to assets | 0.3197% | 4,896 |
| Return on assets (ROA) | 0.3197% | 4,911 |
| Pretax return on assets | 0.3378% | 5,171 |
| Return on Equity (ROE) | 2.7294% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.1845% | 4,556 |
| Net charge-offs to loans | 0.4084% | 615 |
| Credit loss provision to net charge-offs | 72.2222% | 3,059 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 3,549 |
| Efficiency ratio | 89.2019% | 462 |
| Assets per employee ($millions) | 3.1642% | 5,064 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 4,898 |
| Loan loss allowance to noncurrent loans | 12.5490% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6118% | 824 |
| Noncurrent loans to loans | 6.1728% | 86 |
| Net loans and leases to total assets | 25.9086% | 5,506 |
| Net loans and leases to deposits | 29.5743% | 5,524 |
| Net loans and leases to core deposits | 38.2334% | 5,416 |
| Total domestic deposits to total assets | 87.6051% | 1,699 |
| Equity capital to assets | 12.1737% | 1,722 |
| Core capital (leverage) ratio | 11.6339% | 1,846 |
| Tier 1 risk-based capital ratio | 24.7304% | 749 |
| Total risk-based capital ratio | 25.1412% | 805 |
| Memoranda: | ||
| Average total assets | $16,579,800 | 5,632 |
| Average earning assets | $13,103,400 | 5,633 |
| Average equity | $1,941,800 | 5,613 |
| Average total loans | $4,407,400 | 5,624 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,652 |
| Cost of funding earning assets | 0.3234% | 3,911 |
| Net interest margin | 4.1736% | 1,216 |
| Noninterest income to average assets | 0.5804% | 2,581 |
| Noninterest expense to average assets | 3.4029% | 1,150 |
| Loan and lease loss provision to assets | 0.0477% | 3,147 |
| Net operating income to assets | 0.3976% | 5,002 |
| Return on assets (ROA) | 0.3976% | 5,030 |
| Pretax return on assets | 0.4135% | 5,165 |
| Return on Equity (ROE) | 3.4264% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.4264% | 3,888 |
| Net charge-offs to loans | 0.1787% | 1,182 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 9.6663% | 2,668 |
| Efficiency ratio | 88.0658% | 507 |
| Assets per employee ($millions) | 3.2828% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,243 |
| Loan loss allowance to noncurrent loans | 25.3425% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 1,931 |
| Noncurrent loans to loans | 3.8220% | 267 |
| Net loans and leases to total assets | 23.0474% | 5,616 |
| Net loans and leases to deposits | 26.2909% | 5,624 |
| Net loans and leases to core deposits | 32.8756% | 5,569 |
| Total domestic deposits to total assets | 87.6630% | 1,539 |
| Equity capital to assets | 12.0141% | 1,960 |
| Core capital (leverage) ratio | 12.4338% | 1,445 |
| Tier 1 risk-based capital ratio | 28.0712% | 561 |
| Total risk-based capital ratio | 28.5979% | 592 |
| Memoranda: | ||
| Average total assets | $16,769,500 | 5,695 |
| Average earning assets | $13,193,500 | 5,698 |
| Average equity | $1,945,750 | 5,678 |
| Average total loans | $4,476,500 | 5,687 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 1,650 |
| Cost of funding earning assets | 0.3097% | 3,978 |
| Net interest margin | 4.1444% | 1,215 |
| Noninterest income to average assets | 0.5566% | 2,676 |
| Noninterest expense to average assets | 3.4107% | 1,147 |
| Loan and lease loss provision to assets | 0.0474% | 3,046 |
| Net operating income to assets | 0.4027% | 4,976 |
| Return on assets (ROA) | 0.4027% | 5,005 |
| Pretax return on assets | 0.4263% | 5,128 |
| Return on Equity (ROE) | 3.5106% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.5106% | 3,619 |
| Net charge-offs to loans | 0.2130% | 959 |
| Credit loss provision to net charge-offs | 80.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,544 |
| Efficiency ratio | 87.8049% | 559 |
| Assets per employee ($millions) | 3.1966% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 4,843 |
| Loan loss allowance to noncurrent loans | 16.3636% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 1,150 |
| Noncurrent loans to loans | 5.1294% | 145 |
| Net loans and leases to total assets | 26.6095% | 5,597 |
| Net loans and leases to deposits | 30.4090% | 5,623 |
| Net loans and leases to core deposits | 38.6672% | 5,530 |
| Total domestic deposits to total assets | 87.5055% | 1,717 |
| Equity capital to assets | 12.2380% | 1,767 |
| Core capital (leverage) ratio | 11.8993% | 1,693 |
| Tier 1 risk-based capital ratio | 26.7469% | 621 |
| Total risk-based capital ratio | 27.2392% | 658 |
| Memoranda: | ||
| Average total assets | $16,888,000 | 5,742 |
| Average earning assets | $13,560,330 | 5,746 |
| Average equity | $1,937,000 | 5,725 |
| Average total loans | $4,695,330 | 5,734 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,043 |
| Cost of funding earning assets | 0.3174% | 3,877 |
| Net interest margin | 3.9530% | 1,597 |
| Noninterest income to average assets | 0.5075% | 2,926 |
| Noninterest expense to average assets | 3.3217% | 1,343 |
| Loan and lease loss provision to assets | 0.0231% | 3,281 |
| Net operating income to assets | 0.2999% | 5,190 |
| Return on assets (ROA) | 0.2999% | 5,208 |
| Pretax return on assets | 0.3229% | 5,278 |
| Return on Equity (ROE) | 2.6978% | 5,180 |
| Retained earnings to average equity (ytd only) | 2.6978% | 4,059 |
| Net charge-offs to loans | 0.4083% | 449 |
| Credit loss provision to net charge-offs | 20.0000% | 2,169 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,522 |
| Efficiency ratio | 90.5660% | 529 |
| Assets per employee ($millions) | 3.4318% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6303% | 5,431 |
| Loan loss allowance to noncurrent loans | 28.9474% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 2,642 |
| Noncurrent loans to loans | 2.1772% | 782 |
| Net loans and leases to total assets | 30.3223% | 5,579 |
| Net loans and leases to deposits | 34.2213% | 5,614 |
| Net loans and leases to core deposits | 42.5812% | 5,450 |
| Total domestic deposits to total assets | 88.6066% | 1,370 |
| Equity capital to assets | 11.2128% | 2,417 |
| Core capital (leverage) ratio | 10.5280% | 2,872 |
| Tier 1 risk-based capital ratio | 22.6460% | 1,019 |
| Total risk-based capital ratio | 23.0344% | 1,085 |
| Memoranda: | ||
| Average total assets | $17,340,500 | 5,809 |
| Average earning assets | $13,863,000 | 5,812 |
| Average equity | $1,927,500 | 5,791 |
| Average total loans | $4,898,500 | 5,799 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,613 |
| Cost of funding earning assets | 0.3159% | 3,894 |
| Net interest margin | 4.1592% | 1,215 |
| Noninterest income to average assets | 0.5112% | 3,167 |
| Noninterest expense to average assets | 3.4372% | 1,283 |
| Loan and lease loss provision to assets | 0.0529% | 3,330 |
| Net operating income to assets | 0.2233% | 5,374 |
| Return on assets (ROA) | 0.2233% | 5,437 |
| Pretax return on assets | 0.2703% | 5,401 |
| Return on Equity (ROE) | 1.9610% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.7225% | 5,038 |
| Net charge-offs to loans | 0.6654% | 328 |
| Credit loss provision to net charge-offs | 30.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,932 |
| Efficiency ratio | 91.4063% | 489 |
| Assets per employee ($millions) | 3.5044% | 4,754 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 5,078 |
| Loan loss allowance to noncurrent loans | 49.3333% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 3,560 |
| Noncurrent loans to loans | 1.6444% | 1,186 |
| Net loans and leases to total assets | 25.8190% | 5,734 |
| Net loans and leases to deposits | 29.0932% | 5,746 |
| Net loans and leases to core deposits | 37.7000% | 5,642 |
| Total domestic deposits to total assets | 88.7456% | 1,238 |
| Equity capital to assets | 11.0204% | 2,616 |
| Core capital (leverage) ratio | 10.9312% | 2,406 |
| Tier 1 risk-based capital ratio | 23.0677% | 960 |
| Total risk-based capital ratio | 23.5097% | 1,023 |
| Memoranda: | ||
| Average total assets | $17,019,600 | 5,867 |
| Average earning assets | $13,295,800 | 5,871 |
| Average equity | $1,937,800 | 5,849 |
| Average total loans | $4,508,800 | 5,864 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 1,481 |
| Cost of funding earning assets | 0.3040% | 4,052 |
| Net interest margin | 4.2154% | 1,088 |
| Noninterest income to average assets | 0.5209% | 3,107 |
| Noninterest expense to average assets | 3.4725% | 1,199 |
| Loan and lease loss provision to assets | 0.0315% | 3,597 |
| Net operating income to assets | 0.2526% | 5,386 |
| Return on assets (ROA) | 0.2526% | 5,455 |
| Pretax return on assets | 0.2999% | 5,458 |
| Return on Equity (ROE) | 2.2001% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.2001% | 4,595 |
| Net charge-offs to loans | 0.2373% | 988 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 5.2484% | 3,157 |
| Efficiency ratio | 91.2863% | 498 |
| Assets per employee ($millions) | 3.4296% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,850 |
| Loan loss allowance to noncurrent loans | 37.7622% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 2,459 |
| Noncurrent loans to loans | 2.9071% | 538 |
| Net loans and leases to total assets | 28.3707% | 5,747 |
| Net loans and leases to deposits | 32.1249% | 5,784 |
| Net loans and leases to core deposits | 42.4780% | 5,622 |
| Total domestic deposits to total assets | 88.3135% | 1,228 |
| Equity capital to assets | 11.3599% | 2,640 |
| Core capital (leverage) ratio | 11.7853% | 1,821 |
| Tier 1 risk-based capital ratio | 26.2817% | 694 |
| Total risk-based capital ratio | 27.0103% | 716 |
| Memoranda: | ||
| Average total assets | $16,894,000 | 5,932 |
| Average earning assets | $13,157,750 | 5,938 |
| Average equity | $1,939,500 | 5,914 |
| Average total loans | $4,495,750 | 5,929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 1,837 |
| Cost of funding earning assets | 0.2881% | 4,263 |
| Net interest margin | 4.1094% | 1,343 |
| Noninterest income to average assets | 0.5354% | 2,980 |
| Noninterest expense to average assets | 3.4981% | 1,161 |
| Loan and lease loss provision to assets | 0.0238% | 3,655 |
| Net operating income to assets | 0.1904% | 5,543 |
| Return on assets (ROA) | 0.1904% | 5,598 |
| Pretax return on assets | 0.2380% | 5,574 |
| Return on Equity (ROE) | 1.6523% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.6523% | 4,722 |
| Net charge-offs to loans | 0.3215% | 735 |
| Credit loss provision to net charge-offs | 28.5714% | 2,868 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,161 |
| Efficiency ratio | 93.0380% | 449 |
| Assets per employee ($millions) | 3.3318% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,930 |
| Loan loss allowance to noncurrent loans | 18.4028% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 1.7288% | 1,026 |
| Noncurrent loans to loans | 5.9950% | 119 |
| Net loans and leases to total assets | 28.5191% | 5,811 |
| Net loans and leases to deposits | 32.3571% | 5,847 |
| Net loans and leases to core deposits | 41.9700% | 5,683 |
| Total domestic deposits to total assets | 88.1385% | 1,361 |
| Equity capital to assets | 11.6033% | 2,441 |
| Core capital (leverage) ratio | 11.4277% | 2,046 |
| Tier 1 risk-based capital ratio | 30.0809% | 491 |
| Total risk-based capital ratio | 30.9057% | 505 |
| Memoranda: | ||
| Average total assets | $16,809,330 | 6,010 |
| Average earning assets | $13,189,330 | 6,015 |
| Average equity | $1,936,670 | 5,988 |
| Average total loans | $4,354,670 | 6,007 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 1,751 |
| Cost of funding earning assets | 0.2743% | 4,450 |
| Net interest margin | 4.1446% | 1,226 |
| Noninterest income to average assets | 0.5212% | 2,979 |
| Noninterest expense to average assets | 3.4351% | 1,308 |
| Loan and lease loss provision to assets | 0.0237% | 3,376 |
| Net operating income to assets | 0.2369% | 5,457 |
| Return on assets (ROA) | 0.2369% | 5,521 |
| Pretax return on assets | 0.2843% | 5,535 |
| Return on Equity (ROE) | 2.0635% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.0635% | 4,430 |
| Net charge-offs to loans | 0.3874% | 574 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,567 |
| Efficiency ratio | 91.7722% | 564 |
| Assets per employee ($millions) | 3.3402% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 2,117 |
| Loan loss allowance to noncurrent loans | 33.5366% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 2,253 |
| Noncurrent loans to loans | 4.3815% | 251 |
| Net loans and leases to total assets | 22.0825% | 5,970 |
| Net loans and leases to deposits | 25.0526% | 5,985 |
| Net loans and leases to core deposits | 31.8948% | 5,918 |
| Total domestic deposits to total assets | 88.1444% | 1,565 |
| Equity capital to assets | 11.5382% | 2,409 |
| Core capital (leverage) ratio | 11.3801% | 2,068 |
| Tier 1 risk-based capital ratio | 28.6628% | 566 |
| Total risk-based capital ratio | 29.4809% | 579 |
| Memoranda: | ||
| Average total assets | $16,884,500 | 6,068 |
| Average earning assets | $13,125,500 | 6,076 |
| Average equity | $1,938,500 | 6,048 |
| Average total loans | $4,130,000 | 6,070 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,653 |
| Cost of funding earning assets | 0.2824% | 4,457 |
| Net interest margin | 3.6313% | 3,012 |
| Noninterest income to average assets | 0.5324% | 3,128 |
| Noninterest expense to average assets | 3.1190% | 2,176 |
| Loan and lease loss provision to assets | 0.0269% | 3,843 |
| Net operating income to assets | 0.3011% | 5,359 |
| Return on assets (ROA) | 0.3011% | 5,438 |
| Pretax return on assets | 0.3603% | 5,408 |
| Return on Equity (ROE) | 2.8750% | 5,345 |
| Retained earnings to average equity (ytd only) | 1.6429% | 4,790 |
| Net charge-offs to loans | -0.0655% | 5,645 |
| Credit loss provision to net charge-offs | -166.6667% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9571% | 762 |
| Assets per employee ($millions) | 3.4136% | 4,960 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 3,000 |
| Loan loss allowance to noncurrent loans | 55.7692% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 3,242 |
| Noncurrent loans to loans | 2.3024% | 832 |
| Net loans and leases to total assets | 26.1249% | 5,973 |
| Net loans and leases to deposits | 29.5945% | 5,996 |
| Net loans and leases to core deposits | 37.4832% | 5,891 |
| Total domestic deposits to total assets | 88.2763% | 1,491 |
| Equity capital to assets | 11.4249% | 2,421 |
| Core capital (leverage) ratio | 11.0263% | 2,379 |
| Tier 1 risk-based capital ratio | 27.5969% | 621 |
| Total risk-based capital ratio | 28.4178% | 637 |
| Memoranda: | ||
| Average total assets | $18,595,600 | 6,110 |
| Average earning assets | $15,228,600 | 6,123 |
| Average equity | $1,947,800 | 6,108 |
| Average total loans | $4,579,600 | 6,126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 4,250 |
| Cost of funding earning assets | 0.2815% | 4,540 |
| Net interest margin | 3.4717% | 3,654 |
| Noninterest income to average assets | 0.5199% | 3,227 |
| Noninterest expense to average assets | 2.9859% | 2,569 |
| Loan and lease loss provision to assets | 0.0281% | 3,682 |
| Net operating income to assets | 0.3021% | 5,443 |
| Return on assets (ROA) | 0.3021% | 5,526 |
| Pretax return on assets | 0.3653% | 5,536 |
| Return on Equity (ROE) | 2.9442% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.9442% | 4,355 |
| Net charge-offs to loans | 0.1451% | 1,676 |
| Credit loss provision to net charge-offs | 80.0000% | 2,611 |
| Earnings coverage of net charge-offs (x) | 11.1934% | 2,519 |
| Efficiency ratio | 88.3576% | 812 |
| Assets per employee ($millions) | 3.5404% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 4,021 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 2,359 |
| Noncurrent loans to loans | 2.2722% | 951 |
| Net loans and leases to total assets | 24.0877% | 6,092 |
| Net loans and leases to deposits | 27.2112% | 6,114 |
| Net loans and leases to core deposits | 34.8480% | 6,032 |
| Total domestic deposits to total assets | 88.5211% | 1,291 |
| Equity capital to assets | 11.0778% | 2,930 |
| Core capital (leverage) ratio | 11.4967% | 2,042 |
| Tier 1 risk-based capital ratio | 25.7045% | 798 |
| Total risk-based capital ratio | 26.3468% | 838 |
| Memoranda: | ||
| Average total assets | $18,977,500 | 6,193 |
| Average earning assets | $15,630,500 | 6,200 |
| Average equity | $1,947,250 | 6,191 |
| Average total loans | $4,595,250 | 6,208 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,883 |
| Cost of funding earning assets | 0.2676% | 4,745 |
| Net interest margin | 3.2722% | 4,413 |
| Noninterest income to average assets | 0.5360% | 3,132 |
| Noninterest expense to average assets | 2.9480% | 2,725 |
| Loan and lease loss provision to assets | 0.0309% | 3,508 |
| Net operating income to assets | 0.2680% | 5,534 |
| Return on assets (ROA) | 0.2680% | 5,618 |
| Pretax return on assets | 0.3299% | 5,604 |
| Return on Equity (ROE) | 2.6767% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.6767% | 4,354 |
| Net charge-offs to loans | 0.0427% | 2,847 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,232 |
| Efficiency ratio | 89.0966% | 819 |
| Assets per employee ($millions) | 3.6024% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,962 |
| Loan loss allowance to noncurrent loans | 36.1111% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 2,987 |
| Noncurrent loans to loans | 3.2454% | 575 |
| Net loans and leases to total assets | 24.3449% | 6,153 |
| Net loans and leases to deposits | 27.3943% | 6,178 |
| Net loans and leases to core deposits | 34.8708% | 6,095 |
| Total domestic deposits to total assets | 88.8685% | 1,207 |
| Equity capital to assets | 10.8095% | 3,094 |
| Core capital (leverage) ratio | 10.4824% | 2,985 |
| Tier 1 risk-based capital ratio | 25.5143% | 816 |
| Total risk-based capital ratio | 26.1958% | 854 |
| Memoranda: | ||
| Average total assets | $19,402,670 | 6,264 |
| Average earning assets | $16,441,670 | 6,263 |
| Average equity | $1,942,670 | 6,264 |
| Average total loans | $4,689,330 | 6,283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 5,146 |
| Cost of funding earning assets | 0.2781% | 4,692 |
| Net interest margin | 3.1514% | 4,781 |
| Noninterest income to average assets | 0.4180% | 3,858 |
| Noninterest expense to average assets | 2.8262% | 3,154 |
| Loan and lease loss provision to assets | 0.0398% | 3,114 |
| Net operating income to assets | 0.2587% | 5,539 |
| Return on assets (ROA) | 0.2587% | 5,633 |
| Pretax return on assets | 0.2587% | 5,737 |
| Return on Equity (ROE) | 2.6797% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.6797% | 4,339 |
| Net charge-offs to loans | 0.1661% | 1,278 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,163 |
| Efficiency ratio | 90.4459% | 820 |
| Assets per employee ($millions) | 3.8960% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 4,636 |
| Loan loss allowance to noncurrent loans | 31.4465% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 3,057 |
| Noncurrent loans to loans | 3.4201% | 574 |
| Net loans and leases to total assets | 23.6088% | 6,219 |
| Net loans and leases to deposits | 26.2875% | 6,244 |
| Net loans and leases to core deposits | 32.9323% | 6,164 |
| Total domestic deposits to total assets | 89.8101% | 837 |
| Equity capital to assets | 9.9589% | 4,197 |
| Core capital (leverage) ratio | 8.8696% | 5,110 |
| Tier 1 risk-based capital ratio | 26.4356% | 759 |
| Total risk-based capital ratio | 27.1429% | 780 |
| Memoranda: | ||
| Average total assets | $20,098,000 | 6,321 |
| Average earning assets | $17,262,000 | 6,316 |
| Average equity | $1,940,500 | 6,324 |
| Average total loans | $4,815,500 | 6,348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,802 |
| Cost of funding earning assets | 0.3358% | 4,421 |
| Net interest margin | 3.6424% | 3,247 |
| Noninterest income to average assets | 0.6029% | 2,841 |
| Noninterest expense to average assets | 3.0900% | 2,551 |
| Loan and lease loss provision to assets | 0.1454% | 1,819 |
| Net operating income to assets | 0.4038% | 5,208 |
| Return on assets (ROA) | 0.4038% | 5,271 |
| Pretax return on assets | 0.4038% | 5,479 |
| Return on Equity (ROE) | 3.9083% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.3450% | 4,559 |
| Net charge-offs to loans | 0.2012% | 2,059 |
| Credit loss provision to net charge-offs | 270.0000% | 950 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 2,642 |
| Efficiency ratio | 84.9112% | 1,300 |
| Assets per employee ($millions) | 4.1432% | 3,645 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 5,033 |
| Loan loss allowance to noncurrent loans | 19.9203% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 2,354 |
| Noncurrent loans to loans | 5.0381% | 289 |
| Net loans and leases to total assets | 23.8077% | 6,316 |
| Net loans and leases to deposits | 26.3490% | 6,340 |
| Net loans and leases to core deposits | 32.3071% | 6,275 |
| Total domestic deposits to total assets | 90.3553% | 593 |
| Equity capital to assets | 9.3696% | 4,887 |
| Core capital (leverage) ratio | 9.5540% | 4,169 |
| Tier 1 risk-based capital ratio | 24.8637% | 845 |
| Total risk-based capital ratio | 25.5285% | 901 |
| Memoranda: | ||
| Average total assets | $18,575,800 | 6,428 |
| Average earning assets | $15,484,400 | 6,431 |
| Average equity | $1,919,000 | 6,415 |
| Average total loans | $4,969,800 | 6,438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 3,313 |
| Cost of funding earning assets | 0.3460% | 4,381 |
| Net interest margin | 3.7706% | 2,734 |
| Noninterest income to average assets | 0.6134% | 2,786 |
| Noninterest expense to average assets | 3.1705% | 2,262 |
| Loan and lease loss provision to assets | 0.1995% | 1,194 |
| Net operating income to assets | 0.3843% | 5,304 |
| Return on assets (ROA) | 0.3843% | 5,381 |
| Pretax return on assets | 0.3843% | 5,612 |
| Return on Equity (ROE) | 3.6232% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.6232% | 4,075 |
| Net charge-offs to loans | 0.3759% | 1,063 |
| Credit loss provision to net charge-offs | 192.8571% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.6417% | 3,227 |
| Efficiency ratio | 84.4488% | 1,336 |
| Assets per employee ($millions) | 3.6126% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 5,303 |
| Loan loss allowance to noncurrent loans | 38.3333% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 3,846 |
| Noncurrent loans to loans | 2.5510% | 1,138 |
| Net loans and leases to total assets | 25.7875% | 6,361 |
| Net loans and leases to deposits | 29.0200% | 6,381 |
| Net loans and leases to core deposits | 38.3406% | 6,228 |
| Total domestic deposits to total assets | 88.8612% | 1,326 |
| Equity capital to assets | 10.7900% | 3,192 |
| Core capital (leverage) ratio | 11.1533% | 2,349 |
| Tier 1 risk-based capital ratio | 30.1590% | 514 |
| Total risk-based capital ratio | 30.8977% | 535 |
| Memoranda: | ||
| Average total assets | $18,040,750 | 6,513 |
| Average earning assets | $15,028,000 | 6,514 |
| Average equity | $1,913,500 | 6,491 |
| Average total loans | $4,966,750 | 6,515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,945 |
| Cost of funding earning assets | 0.3504% | 4,435 |
| Net interest margin | 3.5951% | 3,380 |
| Noninterest income to average assets | 0.5545% | 3,083 |
| Noninterest expense to average assets | 3.1608% | 2,303 |
| Loan and lease loss provision to assets | 0.1996% | 1,208 |
| Net operating income to assets | 0.2662% | 5,676 |
| Return on assets (ROA) | 0.2662% | 5,749 |
| Pretax return on assets | 0.2662% | 5,845 |
| Return on Equity (ROE) | 2.5241% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.5241% | 4,593 |
| Net charge-offs to loans | 0.2374% | 1,625 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,691 |
| Efficiency ratio | 87.1560% | 1,171 |
| Assets per employee ($millions) | 3.3578% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 5,389 |
| Loan loss allowance to noncurrent loans | 29.8013% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 3,296 |
| Noncurrent loans to loans | 3.3289% | 828 |
| Net loans and leases to total assets | 26.7497% | 6,398 |
| Net loans and leases to deposits | 30.3343% | 6,423 |
| Net loans and leases to core deposits | 41.1264% | 6,187 |
| Total domestic deposits to total assets | 88.1827% | 1,801 |
| Equity capital to assets | 11.4420% | 2,473 |
| Core capital (leverage) ratio | 10.4638% | 2,985 |
| Tier 1 risk-based capital ratio | 32.0402% | 446 |
| Total risk-based capital ratio | 32.8195% | 451 |
| Memoranda: | ||
| Average total assets | $18,033,330 | 6,577 |
| Average earning assets | $15,410,000 | 6,574 |
| Average equity | $1,901,670 | 6,553 |
| Average total loans | $5,054,330 | 6,578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,205 |
| Cost of funding earning assets | 0.3520% | 4,518 |
| Net interest margin | 3.5199% | 3,603 |
| Noninterest income to average assets | 0.4717% | 3,619 |
| Noninterest expense to average assets | 3.1090% | 2,501 |
| Loan and lease loss provision to assets | 0.3645% | 475 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | 0.0000% | 6,215 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.6775% | 541 |
| Credit loss provision to net charge-offs | 188.8889% | 1,089 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 3,001 |
| Efficiency ratio | 89.5062% | 1,082 |
| Assets per employee ($millions) | 3.8580% | 4,218 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7542% | 6,187 |
| Loan loss allowance to noncurrent loans | 47.6744% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 4,798 |
| Noncurrent loans to loans | 1.5820% | 2,445 |
| Net loans and leases to total assets | 27.9679% | 6,418 |
| Net loans and leases to deposits | 31.0933% | 6,455 |
| Net loans and leases to core deposits | 40.9177% | 6,203 |
| Total domestic deposits to total assets | 89.9482% | 1,096 |
| Equity capital to assets | 9.8030% | 4,108 |
| Core capital (leverage) ratio | 9.3785% | 4,464 |
| Tier 1 risk-based capital ratio | 26.4074% | 756 |
| Total risk-based capital ratio | 27.0023% | 787 |
| Memoranda: | ||
| Average total assets | $18,655,500 | 6,648 |
| Average earning assets | $15,909,500 | 6,639 |
| Average equity | $1,892,000 | 6,616 |
| Average total loans | $5,313,500 | 6,641 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 4,702 |
| Cost of funding earning assets | 0.4599% | 4,024 |
| Net interest margin | 3.3680% | 4,411 |
| Noninterest income to average assets | 0.6468% | 2,823 |
| Noninterest expense to average assets | 3.0683% | 2,838 |
| Loan and lease loss provision to assets | 0.0719% | 3,677 |
| Net operating income to assets | 0.3538% | 5,320 |
| Return on assets (ROA) | 0.3538% | 5,433 |
| Pretax return on assets | 0.3815% | 5,534 |
| Return on Equity (ROE) | 3.4126% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.8129% | 4,946 |
| Net charge-offs to loans | 0.4435% | 1,497 |
| Credit loss provision to net charge-offs | 59.0909% | 3,595 |
| Earnings coverage of net charge-offs (x) | 3.7273% | 3,766 |
| Efficiency ratio | 87.1272% | 1,300 |
| Assets per employee ($millions) | 3.6042% | 4,669 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 6,435 |
| Loan loss allowance to noncurrent loans | 18.0328% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 3,392 |
| Noncurrent loans to loans | 3.5253% | 882 |
| Net loans and leases to total assets | 28.6222% | 6,503 |
| Net loans and leases to deposits | 32.0831% | 6,533 |
| Net loans and leases to core deposits | 40.3473% | 6,350 |
| Total domestic deposits to total assets | 89.2126% | 1,480 |
| Equity capital to assets | 10.5044% | 3,151 |
| Core capital (leverage) ratio | 9.9097% | 3,687 |
| Tier 1 risk-based capital ratio | 27.9619% | 615 |
| Total risk-based capital ratio | 28.4684% | 647 |
| Memoranda: | ||
| Average total assets | $18,088,200 | 6,726 |
| Average earning assets | $15,439,600 | 6,728 |
| Average equity | $1,875,400 | 6,710 |
| Average total loans | $4,961,000 | 6,739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,928 |
| Cost of funding earning assets | 0.4759% | 4,010 |
| Net interest margin | 3.3051% | 4,615 |
| Noninterest income to average assets | 0.6628% | 2,811 |
| Noninterest expense to average assets | 2.9163% | 3,247 |
| Loan and lease loss provision to assets | 0.0736% | 3,587 |
| Net operating income to assets | 0.4566% | 5,006 |
| Return on assets (ROA) | 0.4566% | 5,139 |
| Pretax return on assets | 0.4860% | 5,395 |
| Return on Equity (ROE) | 4.4180% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.4180% | 3,531 |
| Net charge-offs to loans | 0.4079% | 1,575 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 5.0665% | 3,289 |
| Efficiency ratio | 83.8983% | 1,612 |
| Assets per employee ($millions) | 3.4752% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 6,341 |
| Loan loss allowance to noncurrent loans | 19.0722% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1165% | 3,417 |
| Noncurrent loans to loans | 4.0124% | 872 |
| Net loans and leases to total assets | 27.6128% | 6,610 |
| Net loans and leases to deposits | 31.1356% | 6,640 |
| Net loans and leases to core deposits | 43.2447% | 6,336 |
| Total domestic deposits to total assets | 88.6855% | 1,730 |
| Equity capital to assets | 10.9576% | 2,800 |
| Core capital (leverage) ratio | 10.8539% | 2,616 |
| Tier 1 risk-based capital ratio | 30.1728% | 507 |
| Total risk-based capital ratio | 30.7819% | 528 |
| Memoranda: | ||
| Average total assets | $18,105,000 | 6,801 |
| Average earning assets | $15,410,000 | 6,808 |
| Average equity | $1,871,000 | 6,791 |
| Average total loans | $4,903,500 | 6,815 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 5,226 |
| Cost of funding earning assets | 0.4958% | 3,940 |
| Net interest margin | 3.1780% | 5,018 |
| Noninterest income to average assets | 0.6104% | 3,132 |
| Noninterest expense to average assets | 3.0303% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2725% | 5,704 |
| Return on assets (ROA) | 0.2725% | 5,840 |
| Pretax return on assets | 0.3052% | 5,869 |
| Return on Equity (ROE) | 2.6882% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.6882% | 4,599 |
| Net charge-offs to loans | 0.2842% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,239 |
| Efficiency ratio | 90.8497% | 994 |
| Assets per employee ($millions) | 3.4700% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 6,486 |
| Loan loss allowance to noncurrent loans | 23.8095% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 4,120 |
| Noncurrent loans to loans | 2.9811% | 1,494 |
| Net loans and leases to total assets | 28.2190% | 6,627 |
| Net loans and leases to deposits | 31.7242% | 6,657 |
| Net loans and leases to core deposits | 44.4122% | 6,315 |
| Total domestic deposits to total assets | 88.9510% | 1,656 |
| Equity capital to assets | 10.7608% | 2,985 |
| Core capital (leverage) ratio | 10.1303% | 3,319 |
| Tier 1 risk-based capital ratio | 29.6663% | 541 |
| Total risk-based capital ratio | 30.2445% | 563 |
| Memoranda: | ||
| Average total assets | $18,348,000 | 6,850 |
| Average earning assets | $15,733,330 | 6,850 |
| Average equity | $1,860,000 | 6,839 |
| Average total loans | $4,926,330 | 6,863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5970% | 5,464 |
| Cost of funding earning assets | 0.5458% | 3,613 |
| Net interest margin | 3.0513% | 5,429 |
| Noninterest income to average assets | 0.5730% | 3,285 |
| Noninterest expense to average assets | 2.9501% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2335% | 5,781 |
| Return on assets (ROA) | 0.2335% | 5,909 |
| Pretax return on assets | 0.2335% | 6,010 |
| Return on Equity (ROE) | 2.3701% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.3701% | 4,844 |
| Net charge-offs to loans | 0.9748% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 3,530 |
| Efficiency ratio | 92.6667% | 934 |
| Assets per employee ($millions) | 3.8006% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 6,647 |
| Loan loss allowance to noncurrent loans | 46.8750% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 5,579 |
| Noncurrent loans to loans | 1.3952% | 3,474 |
| Net loans and leases to total assets | 23.9804% | 6,774 |
| Net loans and leases to deposits | 26.6273% | 6,807 |
| Net loans and leases to core deposits | 37.3923% | 6,583 |
| Total domestic deposits to total assets | 90.0595% | 1,009 |
| Equity capital to assets | 9.7564% | 4,487 |
| Core capital (leverage) ratio | 8.7941% | 5,196 |
| Tier 1 risk-based capital ratio | 29.1578% | 572 |
| Total risk-based capital ratio | 29.6484% | 609 |
| Memoranda: | ||
| Average total assets | $18,847,000 | 6,919 |
| Average earning assets | $16,124,500 | 6,915 |
| Average equity | $1,856,500 | 6,902 |
| Average total loans | $4,924,000 | 6,935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 5,600 |
| Cost of funding earning assets | 0.7032% | 3,466 |
| Net interest margin | 3.1866% | 5,601 |
| Noninterest income to average assets | 0.6824% | 2,821 |
| Noninterest expense to average assets | 3.1937% | 2,636 |
| Loan and lease loss provision to assets | 0.3057% | 2,237 |
| Net operating income to assets | -0.0710% | 6,258 |
| Return on assets (ROA) | -0.0710% | 6,363 |
| Pretax return on assets | -0.0710% | 6,341 |
| Return on Equity (ROE) | -0.6806% | 6,367 |
| Retained earnings to average equity (ytd only) | -2.2511% | 6,194 |
| Net charge-offs to loans | 1.0595% | 1,010 |
| Credit loss provision to net charge-offs | 101.8182% | 2,966 |
| Earnings coverage of net charge-offs (x) | 0.7818% | 5,084 |
| Efficiency ratio | 93.1529% | 854 |
| Assets per employee ($millions) | 3.7382% | 4,491 |
| Cash dividends to net income (ytd only)* | -230.7692% | 7,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 6,492 |
| Loan loss allowance to noncurrent loans | 20.3883% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 3,807 |
| Noncurrent loans to loans | 3.9156% | 1,222 |
| Net loans and leases to total assets | 27.9225% | 6,761 |
| Net loans and leases to deposits | 31.0914% | 6,808 |
| Net loans and leases to core deposits | 38.7914% | 6,648 |
| Total domestic deposits to total assets | 89.8079% | 1,057 |
| Equity capital to assets | 9.9460% | 4,247 |
| Core capital (leverage) ratio | 9.1824% | 4,611 |
| Tier 1 risk-based capital ratio | 24.6587% | 891 |
| Total risk-based capital ratio | 25.2379% | 956 |
| Memoranda: | ||
| Average total assets | $18,317,400 | 6,983 |
| Average earning assets | $15,784,800 | 6,984 |
| Average equity | $1,910,200 | 6,962 |
| Average total loans | $5,191,200 | 6,997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 5,600 |
| Cost of funding earning assets | 0.7296% | 3,521 |
| Net interest margin | 3.2410% | 5,577 |
| Noninterest income to average assets | 0.6292% | 3,111 |
| Noninterest expense to average assets | 3.1240% | 2,813 |
| Loan and lease loss provision to assets | 0.0147% | 5,627 |
| Net operating income to assets | 0.2853% | 5,664 |
| Return on assets (ROA) | 0.2853% | 5,868 |
| Pretax return on assets | 0.2853% | 5,986 |
| Return on Equity (ROE) | 2.7041% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.7041% | 4,932 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2393% | 945 |
| Assets per employee ($millions) | 3.9002% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,400 |
| Loan loss allowance to noncurrent loans | 18.7773% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 3,942 |
| Noncurrent loans to loans | 4.7649% | 975 |
| Net loans and leases to total assets | 24.4244% | 6,959 |
| Net loans and leases to deposits | 27.2280% | 6,994 |
| Net loans and leases to core deposits | 36.3006% | 6,850 |
| Total domestic deposits to total assets | 89.7031% | 1,006 |
| Equity capital to assets | 10.0046% | 4,486 |
| Core capital (leverage) ratio | 9.9819% | 3,570 |
| Tier 1 risk-based capital ratio | 26.2827% | 801 |
| Total risk-based capital ratio | 26.8838% | 842 |
| Memoranda: | ||
| Average total assets | $18,224,000 | 7,077 |
| Average earning assets | $15,715,000 | 7,078 |
| Average equity | $1,923,000 | 7,053 |
| Average total loans | $5,173,750 | 7,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 5,491 |
| Cost of funding earning assets | 0.7405% | 3,682 |
| Net interest margin | 3.3067% | 5,420 |
| Noninterest income to average assets | 0.6180% | 3,141 |
| Noninterest expense to average assets | 3.1576% | 2,727 |
| Loan and lease loss provision to assets | 0.0225% | 5,387 |
| Net operating income to assets | 0.3483% | 5,435 |
| Return on assets (ROA) | 0.3483% | 5,660 |
| Pretax return on assets | 0.3483% | 5,833 |
| Return on Equity (ROE) | 3.2398% | 5,588 |
| Retained earnings to average equity (ytd only) | 3.2398% | 4,455 |
| Net charge-offs to loans | -0.0378% | 6,591 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4904% | 1,118 |
| Assets per employee ($millions) | 3.4228% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 6,562 |
| Loan loss allowance to noncurrent loans | 24.8588% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 4,315 |
| Noncurrent loans to loans | 3.4356% | 1,682 |
| Net loans and leases to total assets | 29.8469% | 6,875 |
| Net loans and leases to deposits | 33.7674% | 6,928 |
| Net loans and leases to core deposits | 48.1161% | 6,453 |
| Total domestic deposits to total assets | 88.3896% | 1,897 |
| Equity capital to assets | 11.3182% | 2,765 |
| Core capital (leverage) ratio | 10.2725% | 3,075 |
| Tier 1 risk-based capital ratio | 26.3597% | 776 |
| Total risk-based capital ratio | 26.9812% | 817 |
| Memoranda: | ||
| Average total assets | $17,798,330 | 7,146 |
| Average earning assets | $15,665,000 | 7,140 |
| Average equity | $1,913,670 | 7,104 |
| Average total loans | $5,296,330 | 7,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 5,633 |
| Cost of funding earning assets | 0.9477% | 2,314 |
| Net interest margin | 3.0926% | 6,069 |
| Noninterest income to average assets | 0.5292% | 3,704 |
| Noninterest expense to average assets | 2.9547% | 3,431 |
| Loan and lease loss provision to assets | 0.0441% | 4,851 |
| Net operating income to assets | 0.2646% | 5,768 |
| Return on assets (ROA) | 0.2646% | 5,932 |
| Pretax return on assets | 0.2646% | 6,050 |
| Return on Equity (ROE) | 2.5237% | 5,895 |
| Retained earnings to average equity (ytd only) | 2.5237% | 4,993 |
| Net charge-offs to loans | 0.2980% | 2,468 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,817 |
| Efficiency ratio | 90.5405% | 1,048 |
| Assets per employee ($millions) | 3.6566% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 6,790 |
| Loan loss allowance to noncurrent loans | 8.6093% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 2.4777% | 2,384 |
| Noncurrent loans to loans | 8.9349% | 384 |
| Net loans and leases to total assets | 27.5174% | 6,990 |
| Net loans and leases to deposits | 30.8329% | 7,033 |
| Net loans and leases to core deposits | 43.8088% | 6,662 |
| Total domestic deposits to total assets | 89.2468% | 1,520 |
| Equity capital to assets | 10.4523% | 3,551 |
| Core capital (leverage) ratio | 9.7665% | 3,690 |
| Tier 1 risk-based capital ratio | 24.6748% | 936 |
| Total risk-based capital ratio | 25.1978% | 1,001 |
| Memoranda: | ||
| Average total assets | $18,140,500 | 7,203 |
| Average earning assets | $16,038,500 | 7,192 |
| Average equity | $1,902,000 | 7,162 |
| Average total loans | $5,368,500 | 7,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 6,190 |
| Cost of funding earning assets | 1.0135% | 3,273 |
| Net interest margin | 3.1326% | 6,266 |
| Noninterest income to average assets | 0.6788% | 2,733 |
| Noninterest expense to average assets | 3.1440% | 3,050 |
| Loan and lease loss provision to assets | 0.2444% | 3,767 |
| Net operating income to assets | -0.1575% | 6,212 |
| Return on assets (ROA) | -0.1575% | 6,283 |
| Pretax return on assets | -0.1249% | 6,224 |
| Return on Equity (ROE) | -1.5148% | 6,296 |
| Retained earnings to average equity (ytd only) | -2.4551% | 6,208 |
| Net charge-offs to loans | 0.7850% | 2,194 |
| Credit loss provision to net charge-offs | 102.2727% | 3,386 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,454 |
| Efficiency ratio | 96.3394% | 806 |
| Assets per employee ($millions) | 3.5996% | 4,771 |
| Cash dividends to net income (ytd only)* | -62.0690% | 7,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7235% | 6,874 |
| Loan loss allowance to noncurrent loans | 13.1410% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 3,350 |
| Noncurrent loans to loans | 5.5056% | 958 |
| Net loans and leases to total assets | 31.2590% | 6,965 |
| Net loans and leases to deposits | 35.0268% | 7,025 |
| Net loans and leases to core deposits | 45.0621% | 6,767 |
| Total domestic deposits to total assets | 89.2432% | 1,399 |
| Equity capital to assets | 10.5178% | 3,520 |
| Core capital (leverage) ratio | 9.8979% | 3,461 |
| Tier 1 risk-based capital ratio | 23.1013% | 1,089 |
| Total risk-based capital ratio | 23.6211% | 1,158 |
| Memoranda: | ||
| Average total assets | $18,416,200 | 7,232 |
| Average earning assets | $15,195,000 | 7,248 |
| Average equity | $1,914,400 | 7,220 |
| Average total loans | $5,605,000 | 7,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 6,214 |
| Cost of funding earning assets | 1.0422% | 3,369 |
| Net interest margin | 3.1533% | 6,278 |
| Noninterest income to average assets | 0.6119% | 3,094 |
| Noninterest expense to average assets | 3.0884% | 3,206 |
| Loan and lease loss provision to assets | 0.3240% | 2,942 |
| Net operating income to assets | -0.2952% | 6,483 |
| Return on assets (ROA) | -0.2952% | 6,546 |
| Pretax return on assets | -0.2520% | 6,457 |
| Return on Equity (ROE) | -2.8478% | 6,549 |
| Retained earnings to average equity (ytd only) | -2.8478% | 6,402 |
| Net charge-offs to loans | 1.0496% | 1,519 |
| Credit loss provision to net charge-offs | 102.2727% | 3,261 |
| Earnings coverage of net charge-offs (x) | 0.2272% | 5,426 |
| Efficiency ratio | 97.7221% | 749 |
| Assets per employee ($millions) | 3.7424% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 6,841 |
| Loan loss allowance to noncurrent loans | 14.3860% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 1.5231% | 3,821 |
| Noncurrent loans to loans | 5.4661% | 1,089 |
| Net loans and leases to total assets | 27.6454% | 7,160 |
| Net loans and leases to deposits | 30.8762% | 7,199 |
| Net loans and leases to core deposits | 41.0523% | 7,004 |
| Total domestic deposits to total assets | 89.5361% | 1,122 |
| Equity capital to assets | 10.1486% | 4,156 |
| Core capital (leverage) ratio | 9.8635% | 3,629 |
| Tier 1 risk-based capital ratio | 23.9958% | 1,011 |
| Total risk-based capital ratio | 24.5340% | 1,091 |
| Memoranda: | ||
| Average total assets | $18,520,750 | 7,309 |
| Average earning assets | $14,968,000 | 7,327 |
| Average equity | $1,919,750 | 7,293 |
| Average total loans | $5,589,500 | 7,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 6,589 |
| Cost of funding earning assets | 1.0140% | 3,855 |
| Net interest margin | 3.0289% | 6,556 |
| Noninterest income to average assets | 0.5743% | 3,303 |
| Noninterest expense to average assets | 3.0991% | 3,260 |
| Loan and lease loss provision to assets | 0.4876% | 2,021 |
| Net operating income to assets | -0.5526% | 6,732 |
| Return on assets (ROA) | -0.5526% | 6,752 |
| Pretax return on assets | -0.4876% | 6,649 |
| Return on Equity (ROE) | -5.2941% | 6,732 |
| Retained earnings to average equity (ytd only) | -5.2941% | 6,590 |
| Net charge-offs to loans | 0.5600% | 2,428 |
| Credit loss provision to net charge-offs | 281.2500% | 1,085 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,281 |
| Efficiency ratio | 100.0000% | 718 |
| Assets per employee ($millions) | 3.5686% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,306 |
| Loan loss allowance to noncurrent loans | 47.5862% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 4,838 |
| Noncurrent loans to loans | 2.6278% | 2,755 |
| Net loans and leases to total assets | 30.5386% | 7,162 |
| Net loans and leases to deposits | 34.2640% | 7,209 |
| Net loans and leases to core deposits | 45.0405% | 6,976 |
| Total domestic deposits to total assets | 89.1274% | 1,460 |
| Equity capital to assets | 10.5868% | 3,394 |
| Core capital (leverage) ratio | 10.1411% | 3,095 |
| Tier 1 risk-based capital ratio | 23.5066% | 1,058 |
| Total risk-based capital ratio | 24.3988% | 1,079 |
| Memoranda: | ||
| Average total assets | $18,457,000 | 7,382 |
| Average earning assets | $15,385,000 | 7,393 |
| Average equity | $1,926,670 | 7,354 |
| Average total loans | $5,714,670 | 7,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 6,754 |
| Cost of funding earning assets | 0.9828% | 4,328 |
| Net interest margin | 2.9743% | 6,624 |
| Noninterest income to average assets | 0.5116% | 3,788 |
| Noninterest expense to average assets | 3.0058% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0426% | 6,406 |
| Return on assets (ROA) | -0.0426% | 6,424 |
| Pretax return on assets | -0.0426% | 6,398 |
| Return on Equity (ROE) | -0.4112% | 6,426 |
| Retained earnings to average equity (ytd only) | -0.4112% | 5,868 |
| Net charge-offs to loans | 0.7569% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1818% | 4,685 |
| Efficiency ratio | 101.4388% | 694 |
| Assets per employee ($millions) | 3.8226% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5634% | 7,242 |
| Loan loss allowance to noncurrent loans | 16.2921% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 4,678 |
| Noncurrent loans to loans | 3.4583% | 2,161 |
| Net loans and leases to total assets | 26.7776% | 7,324 |
| Net loans and leases to deposits | 29.8757% | 7,357 |
| Net loans and leases to core deposits | 38.5160% | 7,206 |
| Total domestic deposits to total assets | 89.6301% | 1,410 |
| Equity capital to assets | 10.1345% | 3,610 |
| Core capital (leverage) ratio | 9.5224% | 3,771 |
| Tier 1 risk-based capital ratio | 24.3730% | 934 |
| Total risk-based capital ratio | 24.7518% | 1,005 |
| Memoranda: | ||
| Average total assets | $18,764,000 | 7,428 |
| Average earning assets | $15,466,000 | 7,449 |
| Average equity | $1,945,500 | 7,402 |
| Average total loans | $5,813,000 | 7,453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 5,686 |
| Cost of funding earning assets | 1.1565% | 4,814 |
| Net interest margin | 3.5745% | 4,942 |
| Noninterest income to average assets | 0.6910% | 2,893 |
| Noninterest expense to average assets | 3.2041% | 3,075 |
| Loan and lease loss provision to assets | 0.2340% | 4,939 |
| Net operating income to assets | 0.2842% | 4,983 |
| Return on assets (ROA) | 0.2842% | 5,150 |
| Pretax return on assets | 0.2842% | 5,273 |
| Return on Equity (ROE) | 2.6502% | 5,110 |
| Retained earnings to average equity (ytd only) | 1.0912% | 5,003 |
| Net charge-offs to loans | 0.5322% | 3,490 |
| Credit loss provision to net charge-offs | 123.5294% | 3,353 |
| Earnings coverage of net charge-offs (x) | 2.7353% | 3,709 |
| Efficiency ratio | 86.0778% | 1,689 |
| Assets per employee ($millions) | 3.6830% | 4,500 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 7,239 |
| Loan loss allowance to noncurrent loans | 12.8617% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 1.8898% | 3,498 |
| Noncurrent loans to loans | 4.8001% | 1,436 |
| Net loans and leases to total assets | 34.9661% | 7,199 |
| Net loans and leases to deposits | 39.2502% | 7,280 |
| Net loans and leases to core deposits | 48.1133% | 7,064 |
| Total domestic deposits to total assets | 89.0850% | 1,603 |
| Equity capital to assets | 10.6109% | 3,053 |
| Core capital (leverage) ratio | 10.4189% | 2,648 |
| Tier 1 risk-based capital ratio | 21.9004% | 1,191 |
| Total risk-based capital ratio | 22.3657% | 1,277 |
| Memoranda: | ||
| Average total assets | $17,945,800 | 7,511 |
| Average earning assets | $15,218,800 | 7,519 |
| Average equity | $1,924,400 | 7,512 |
| Average total loans | $6,389,000 | 7,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 5,946 |
| Cost of funding earning assets | 1.1907% | 4,913 |
| Net interest margin | 3.5283% | 5,188 |
| Noninterest income to average assets | 0.6805% | 2,941 |
| Noninterest expense to average assets | 3.2307% | 2,816 |
| Loan and lease loss provision to assets | 0.3141% | 4,063 |
| Net operating income to assets | 0.1496% | 5,641 |
| Return on assets (ROA) | 0.1496% | 5,799 |
| Pretax return on assets | 0.1496% | 5,836 |
| Return on Equity (ROE) | 1.3912% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.3912% | 5,251 |
| Net charge-offs to loans | 0.3770% | 3,795 |
| Credit loss provision to net charge-offs | 233.3333% | 1,456 |
| Earnings coverage of net charge-offs (x) | 3.4442% | 3,448 |
| Efficiency ratio | 87.4494% | 1,498 |
| Assets per employee ($millions) | 3.8246% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,567 |
| Loan loss allowance to noncurrent loans | 22.5806% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 4,219 |
| Noncurrent loans to loans | 4.2070% | 1,737 |
| Net loans and leases to total assets | 30.5339% | 7,452 |
| Net loans and leases to deposits | 34.1123% | 7,517 |
| Net loans and leases to core deposits | 42.1163% | 7,373 |
| Total domestic deposits to total assets | 89.5100% | 1,123 |
| Equity capital to assets | 10.2128% | 3,863 |
| Core capital (leverage) ratio | 10.5701% | 2,619 |
| Tier 1 risk-based capital ratio | 22.7790% | 1,099 |
| Total risk-based capital ratio | 23.4568% | 1,146 |
| Memoranda: | ||
| Average total assets | $17,828,500 | 7,609 |
| Average earning assets | $15,229,000 | 7,615 |
| Average equity | $1,917,000 | 7,614 |
| Average total loans | $6,366,500 | 7,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 5,906 |
| Cost of funding earning assets | 1.2480% | 4,844 |
| Net interest margin | 3.5184% | 5,173 |
| Noninterest income to average assets | 0.6208% | 3,188 |
| Noninterest expense to average assets | 3.3339% | 2,449 |
| Loan and lease loss provision to assets | 0.4828% | 2,891 |
| Net operating income to assets | -0.1495% | 6,290 |
| Return on assets (ROA) | -0.1495% | 6,355 |
| Pretax return on assets | -0.1495% | 6,290 |
| Return on Equity (ROE) | -1.3648% | 6,364 |
| Retained earnings to average equity (ytd only) | -1.3648% | 6,043 |
| Net charge-offs to loans | 0.2146% | 4,322 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 3,040 |
| Efficiency ratio | 90.9091% | 1,267 |
| Assets per employee ($millions) | 3.4478% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 6,232 |
| Loan loss allowance to noncurrent loans | 21.6129% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 2.0129% | 3,487 |
| Noncurrent loans to loans | 4.8107% | 1,473 |
| Net loans and leases to total assets | 36.9917% | 7,323 |
| Net loans and leases to deposits | 41.7507% | 7,400 |
| Net loans and leases to core deposits | 53.8143% | 7,049 |
| Total domestic deposits to total assets | 88.6014% | 1,676 |
| Equity capital to assets | 11.1027% | 2,768 |
| Core capital (leverage) ratio | 10.3412% | 2,782 |
| Tier 1 risk-based capital ratio | 22.6052% | 1,111 |
| Total risk-based capital ratio | 23.4270% | 1,150 |
| Memoranda: | ||
| Average total assets | $17,397,000 | 7,682 |
| Average earning assets | $15,063,670 | 7,683 |
| Average equity | $1,905,000 | 7,680 |
| Average total loans | $6,523,670 | 7,676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 6,226 |
| Cost of funding earning assets | 1.2476% | 5,123 |
| Net interest margin | 3.4568% | 5,345 |
| Noninterest income to average assets | 0.5264% | 3,846 |
| Noninterest expense to average assets | 3.3646% | 2,330 |
| Loan and lease loss provision to assets | 1.3733% | 871 |
| Net operating income to assets | -1.1673% | 7,201 |
| Return on assets (ROA) | -1.1673% | 7,216 |
| Pretax return on assets | -1.1673% | 7,129 |
| Return on Equity (ROE) | -10.7340% | 7,159 |
| Retained earnings to average equity (ytd only) | -10.7340% | 7,001 |
| Net charge-offs to loans | 1.5845% | 1,098 |
| Credit loss provision to net charge-offs | 230.7692% | 1,651 |
| Earnings coverage of net charge-offs (x) | 0.3462% | 4,727 |
| Efficiency ratio | 94.2308% | 1,121 |
| Assets per employee ($millions) | 3.5106% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,376 |
| Loan loss allowance to noncurrent loans | 23.5714% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 3,776 |
| Noncurrent loans to loans | 4.3123% | 1,759 |
| Net loans and leases to total assets | 36.6148% | 7,405 |
| Net loans and leases to deposits | 41.1275% | 7,481 |
| Net loans and leases to core deposits | 51.3749% | 7,231 |
| Total domestic deposits to total assets | 89.0275% | 1,500 |
| Equity capital to assets | 10.6819% | 3,056 |
| Core capital (leverage) ratio | 10.2698% | 2,842 |
| Tier 1 risk-based capital ratio | 21.7245% | 1,235 |
| Total risk-based capital ratio | 22.5193% | 1,274 |
| Memoranda: | ||
| Average total assets | $17,476,000 | 7,782 |
| Average earning assets | $15,390,000 | 7,775 |
| Average equity | $1,900,500 | 7,766 |
| Average total loans | $6,563,500 | 7,773 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 4,100 |
| Cost of funding earning assets | 1.7022% | 4,494 |
| Net interest margin | 3.8064% | 3,678 |
| Noninterest income to average assets | 0.6553% | 3,253 |
| Noninterest expense to average assets | 3.3411% | 2,870 |
| Loan and lease loss provision to assets | 0.1755% | 5,944 |
| Net operating income to assets | 0.4623% | 3,881 |
| Return on assets (ROA) | 0.4623% | 3,999 |
| Pretax return on assets | 0.4623% | 4,314 |
| Return on Equity (ROE) | 4.0730% | 4,061 |
| Retained earnings to average equity (ytd only) | 1.5983% | 3,962 |
| Net charge-offs to loans | 1.0022% | 2,409 |
| Credit loss provision to net charge-offs | 43.4783% | 6,801 |
| Earnings coverage of net charge-offs (x) | 1.5797% | 4,557 |
| Efficiency ratio | 83.9706% | 2,354 |
| Assets per employee ($millions) | 3.4798% | 5,058 |
| Cash dividends to net income (ytd only)* | 60.7595% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4824% | 7,681 |
| Loan loss allowance to noncurrent loans | 9.2754% | 7,374 |
| Noncurrent assets plus other real estate owned to assets | 2.1955% | 3,135 |
| Noncurrent loans to loans | 5.2005% | 1,274 |
| Net loans and leases to total assets | 37.9447% | 7,452 |
| Net loans and leases to deposits | 42.8729% | 7,544 |
| Net loans and leases to core deposits | 61.6721% | 7,204 |
| Total domestic deposits to total assets | 88.5051% | 1,724 |
| Equity capital to assets | 11.0696% | 2,654 |
| Core capital (leverage) ratio | 10.6493% | 2,473 |
| Tier 1 risk-based capital ratio | 21.9709% | 1,157 |
| Total risk-based capital ratio | 22.3499% | 1,247 |
| Memoranda: | ||
| Average total assets | $17,090,200 | 7,850 |
| Average earning assets | $14,922,200 | 7,844 |
| Average equity | $1,939,600 | 7,850 |
| Average total loans | $6,884,600 | 7,831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 3,607 |
| Cost of funding earning assets | 1.7643% | 4,562 |
| Net interest margin | 3.8797% | 3,310 |
| Noninterest income to average assets | 0.6191% | 3,554 |
| Noninterest expense to average assets | 3.1896% | 3,335 |
| Loan and lease loss provision to assets | 0.1959% | 5,427 |
| Net operating income to assets | 0.6113% | 3,572 |
| Return on assets (ROA) | 0.6113% | 3,617 |
| Pretax return on assets | 0.6113% | 4,154 |
| Return on Equity (ROE) | 5.3525% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.3525% | 2,281 |
| Net charge-offs to loans | 0.6718% | 2,678 |
| Credit loss provision to net charge-offs | 71.4286% | 5,952 |
| Earnings coverage of net charge-offs (x) | 2.9426% | 3,758 |
| Efficiency ratio | 79.8039% | 2,877 |
| Assets per employee ($millions) | 3.4652% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 6,761 |
| Loan loss allowance to noncurrent loans | 18.6544% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 2.1009% | 3,212 |
| Noncurrent loans to loans | 4.8138% | 1,412 |
| Net loans and leases to total assets | 38.8549% | 7,516 |
| Net loans and leases to deposits | 44.0634% | 7,616 |
| Net loans and leases to core deposits | 69.6822% | 6,981 |
| Total domestic deposits to total assets | 88.1796% | 1,577 |
| Equity capital to assets | 11.3875% | 2,678 |
| Core capital (leverage) ratio | 10.9600% | 2,433 |
| Tier 1 risk-based capital ratio | 22.7159% | 1,144 |
| Total risk-based capital ratio | 23.4444% | 1,180 |
| Memoranda: | ||
| Average total assets | $17,013,000 | 7,935 |
| Average earning assets | $14,811,750 | 7,929 |
| Average equity | $1,943,000 | 7,930 |
| Average total loans | $6,947,250 | 7,904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 4,203 |
| Cost of funding earning assets | 1.8126% | 4,699 |
| Net interest margin | 3.7594% | 3,716 |
| Noninterest income to average assets | 0.5441% | 4,081 |
| Noninterest expense to average assets | 3.0280% | 3,972 |
| Loan and lease loss provision to assets | 0.1183% | 5,949 |
| Net operating income to assets | 0.7097% | 3,208 |
| Return on assets (ROA) | 0.7097% | 3,310 |
| Pretax return on assets | 0.7097% | 3,965 |
| Return on Equity (ROE) | 6.2080% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.2080% | 1,926 |
| Net charge-offs to loans | 0.4858% | 2,885 |
| Credit loss provision to net charge-offs | 58.8235% | 5,613 |
| Earnings coverage of net charge-offs (x) | 4.1176% | 3,211 |
| Efficiency ratio | 78.5276% | 3,268 |
| Assets per employee ($millions) | 3.3806% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,710 |
| Loan loss allowance to noncurrent loans | 20.3822% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 3,093 |
| Noncurrent loans to loans | 4.4857% | 1,434 |
| Net loans and leases to total assets | 41.0341% | 7,503 |
| Net loans and leases to deposits | 46.6599% | 7,612 |
| Net loans and leases to core deposits | 74.4286% | 6,763 |
| Total domestic deposits to total assets | 87.9430% | 1,803 |
| Equity capital to assets | 11.6488% | 2,425 |
| Core capital (leverage) ratio | 10.8362% | 2,537 |
| Tier 1 risk-based capital ratio | 21.9515% | 1,264 |
| Total risk-based capital ratio | 22.6976% | 1,299 |
| Memoranda: | ||
| Average total assets | $16,908,670 | 8,014 |
| Average earning assets | $14,896,000 | 8,007 |
| Average equity | $1,933,000 | 8,017 |
| Average total loans | $6,998,670 | 7,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 4,842 |
| Cost of funding earning assets | 1.9000% | 4,627 |
| Net interest margin | 3.6126% | 4,269 |
| Noninterest income to average assets | 0.5440% | 3,973 |
| Noninterest expense to average assets | 2.9329% | 4,040 |
| Loan and lease loss provision to assets | 0.1183% | 5,453 |
| Net operating income to assets | 0.6859% | 3,630 |
| Return on assets (ROA) | 0.6859% | 3,814 |
| Pretax return on assets | 0.6859% | 4,483 |
| Return on Equity (ROE) | 6.0574% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.0574% | 2,597 |
| Net charge-offs to loans | 0.2858% | 2,969 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,437 |
| Efficiency ratio | 78.4810% | 3,090 |
| Assets per employee ($millions) | 3.4280% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,281 |
| Loan loss allowance to noncurrent loans | 58.1967% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 4,871 |
| Noncurrent loans to loans | 1.6944% | 3,714 |
| Net loans and leases to total assets | 41.5928% | 7,489 |
| Net loans and leases to deposits | 47.0468% | 7,620 |
| Net loans and leases to core deposits | 74.9396% | 6,750 |
| Total domestic deposits to total assets | 88.4072% | 1,521 |
| Equity capital to assets | 11.2544% | 2,759 |
| Core capital (leverage) ratio | 10.4573% | 2,976 |
| Tier 1 risk-based capital ratio | 20.9551% | 1,456 |
| Total risk-based capital ratio | 21.7624% | 1,493 |
| Memoranda: | ||
| Average total assets | $16,911,500 | 8,066 |
| Average earning assets | $14,947,500 | 8,054 |
| Average equity | $1,915,000 | 8,070 |
| Average total loans | $6,998,000 | 8,035 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5128% | 2,896 |
| Cost of funding earning assets | 2.3771% | 4,825 |
| Net interest margin | 4.1357% | 2,556 |
| Noninterest income to average assets | 0.6760% | 3,288 |
| Noninterest expense to average assets | 3.2884% | 3,001 |
| Loan and lease loss provision to assets | 0.7308% | 2,026 |
| Net operating income to assets | 0.2801% | 5,615 |
| Return on assets (ROA) | 0.2801% | 5,423 |
| Pretax return on assets | 0.2801% | 5,549 |
| Return on Equity (ROE) | 2.3998% | 5,461 |
| Retained earnings to average equity (ytd only) | 0.8347% | 4,722 |
| Net charge-offs to loans | 3.7043% | 206 |
| Credit loss provision to net charge-offs | 44.7761% | 6,405 |
| Earnings coverage of net charge-offs (x) | 0.6194% | 5,853 |
| Efficiency ratio | 76.4873% | 3,152 |
| Assets per employee ($millions) | 3.3366% | 5,128 |
| Cash dividends to net income (ytd only)* | 65.2174% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 5,671 |
| Loan loss allowance to noncurrent loans | 68.9320% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 4,746 |
| Noncurrent loans to loans | 1.5156% | 3,518 |
| Net loans and leases to total assets | 40.3105% | 7,656 |
| Net loans and leases to deposits | 45.8763% | 7,783 |
| Net loans and leases to core deposits | 71.7027% | 7,097 |
| Total domestic deposits to total assets | 87.8679% | 1,529 |
| Equity capital to assets | 11.3948% | 2,705 |
| Core capital (leverage) ratio | 10.7419% | 2,782 |
| Tier 1 risk-based capital ratio | 16.7224% | 2,410 |
| Total risk-based capital ratio | 17.3469% | 2,566 |
| Memoranda: | ||
| Average total assets | $16,421,200 | 8,128 |
| Average earning assets | $14,387,000 | 8,123 |
| Average equity | $1,916,800 | 8,134 |
| Average total loans | $7,234,800 | 8,072 |