Home > Hillsboro State Bank > Performance and Condition Ratios
Hillsboro State Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 353 |
| Cost of funding earning assets | 0.1293% | 3,785 |
| Net interest margin | 4.3207% | 230 |
| Noninterest income to average assets | 0.3680% | 2,886 |
| Noninterest expense to average assets | 2.1903% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4544% | 703 |
| Return on assets (ROA) | 1.4544% | 699 |
| Pretax return on assets | 2.2780% | 235 |
| Return on Equity (ROE) | 19.6217% | 242 |
| Retained earnings to average equity (ytd only) | 19.6217% | 103 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0196% | 4,360 |
| Assets per employee ($millions) | 4.5428% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1036% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.5657% | 4,580 |
| Net loans and leases to deposits | 27.5318% | 4,610 |
| Net loans and leases to core deposits | 27.5318% | 4,626 |
| Total domestic deposits to total assets | 92.8590% | 313 |
| Equity capital to assets | 6.6127% | 4,380 |
| Core capital (leverage) ratio | 9.1222% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,827,500 | 4,754 |
| Average earning assets | $21,663,000 | 4,733 |
| Average equity | $1,692,000 | 4,778 |
| Average total loans | $6,352,000 | 4,733 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8061% | 4,198 |
| Cost of funding earning assets | 0.1267% | 4,177 |
| Net interest margin | 2.6794% | 3,912 |
| Noninterest income to average assets | 0.4244% | 2,927 |
| Noninterest expense to average assets | 2.3564% | 2,634 |
| Loan and lease loss provision to assets | 0.0265% | 2,530 |
| Net operating income to assets | 0.4495% | 4,186 |
| Return on assets (ROA) | 0.4775% | 4,176 |
| Pretax return on assets | 0.6012% | 4,107 |
| Return on Equity (ROE) | 5.5866% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.5866% | 2,522 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9100% | 808 |
| Assets per employee ($millions) | 4.5882% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7716% | 194 |
| Loan loss allowance to noncurrent loans | 24.6032% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 3.2954% | 62 |
| Noncurrent loans to loans | 11.2651% | 12 |
| Net loans and leases to total assets | 28.4425% | 4,556 |
| Net loans and leases to deposits | 31.0951% | 4,603 |
| Net loans and leases to core deposits | 31.0951% | 4,622 |
| Total domestic deposits to total assets | 91.4694% | 321 |
| Equity capital to assets | 8.2037% | 4,232 |
| Core capital (leverage) ratio | 8.7749% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9909% | 559 |
| Memoranda: | ||
| Average total assets | $22,619,600 | 4,791 |
| Average earning assets | $21,310,600 | 4,771 |
| Average equity | $1,933,200 | 4,817 |
| Average total loans | $7,184,000 | 4,769 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8689% | 4,213 |
| Cost of funding earning assets | 0.1258% | 4,303 |
| Net interest margin | 2.7431% | 3,894 |
| Noninterest income to average assets | 0.4318% | 2,921 |
| Noninterest expense to average assets | 2.3484% | 2,600 |
| Loan and lease loss provision to assets | 0.0355% | 2,291 |
| Net operating income to assets | 0.4583% | 4,284 |
| Return on assets (ROA) | 0.4910% | 4,268 |
| Pretax return on assets | 0.6684% | 4,123 |
| Return on Equity (ROE) | 5.6867% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.6867% | 2,962 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9961% | 873 |
| Assets per employee ($millions) | 5.3593% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 265 |
| Loan loss allowance to noncurrent loans | 21.2087% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 4.0911% | 45 |
| Noncurrent loans to loans | 12.0749% | 11 |
| Net loans and leases to total assets | 33.0130% | 4,506 |
| Net loans and leases to deposits | 36.4249% | 4,564 |
| Net loans and leases to core deposits | 36.4249% | 4,603 |
| Total domestic deposits to total assets | 90.6330% | 492 |
| Equity capital to assets | 8.9705% | 3,860 |
| Core capital (leverage) ratio | 9.1252% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,539,250 | 4,863 |
| Average earning assets | $21,192,000 | 4,845 |
| Average equity | $1,946,000 | 4,890 |
| Average total loans | $7,302,250 | 4,837 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8130% | 4,329 |
| Cost of funding earning assets | 0.1211% | 4,430 |
| Net interest margin | 2.6919% | 3,997 |
| Noninterest income to average assets | 0.4715% | 2,749 |
| Noninterest expense to average assets | 2.4622% | 2,266 |
| Loan and lease loss provision to assets | 0.0524% | 1,985 |
| Net operating income to assets | 0.3842% | 4,416 |
| Return on assets (ROA) | 0.3842% | 4,455 |
| Pretax return on assets | 0.4802% | 4,418 |
| Return on Equity (ROE) | 4.5044% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.5044% | 3,361 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2157% | 658 |
| Assets per employee ($millions) | 5.7465% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6890% | 216 |
| Loan loss allowance to noncurrent loans | 17.3184% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 4.6724% | 41 |
| Noncurrent loans to loans | 15.5270% | 6 |
| Net loans and leases to total assets | 29.2830% | 4,670 |
| Net loans and leases to deposits | 32.1197% | 4,724 |
| Net loans and leases to core deposits | 32.1197% | 4,744 |
| Total domestic deposits to total assets | 91.1685% | 318 |
| Equity capital to assets | 8.5008% | 4,201 |
| Core capital (leverage) ratio | 7.9911% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1081% | 692 |
| Memoranda: | ||
| Average total assets | $22,906,667 | 4,897 |
| Average earning assets | $21,471,667 | 4,877 |
| Average equity | $1,953,667 | 4,924 |
| Average total loans | $7,315,333 | 4,874 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7106% | 4,465 |
| Cost of funding earning assets | 0.1318% | 4,446 |
| Net interest margin | 2.5788% | 4,188 |
| Noninterest income to average assets | 0.4548% | 2,814 |
| Noninterest expense to average assets | 2.4315% | 2,395 |
| Loan and lease loss provision to assets | 0.0525% | 2,056 |
| Net operating income to assets | 0.2974% | 4,521 |
| Return on assets (ROA) | 0.2974% | 4,558 |
| Pretax return on assets | 0.3673% | 4,531 |
| Return on Equity (ROE) | 3.4809% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.4809% | 3,640 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2761% | 541 |
| Assets per employee ($millions) | 4.7152% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 260 |
| Loan loss allowance to noncurrent loans | 20.2210% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 3.8386% | 63 |
| Noncurrent loans to loans | 12.3803% | 17 |
| Net loans and leases to total assets | 30.2299% | 4,689 |
| Net loans and leases to deposits | 33.0000% | 4,745 |
| Net loans and leases to core deposits | 33.0000% | 4,775 |
| Total domestic deposits to total assets | 91.6059% | 224 |
| Equity capital to assets | 8.0675% | 4,451 |
| Core capital (leverage) ratio | 8.4236% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2478% | 654 |
| Memoranda: | ||
| Average total assets | $22,867,000 | 4,922 |
| Average earning assets | $21,250,000 | 4,906 |
| Average equity | $1,953,500 | 4,951 |
| Average total loans | $7,514,500 | 4,896 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1952% | 4,458 |
| Cost of funding earning assets | 0.2852% | 4,222 |
| Net interest margin | 2.9100% | 4,093 |
| Noninterest income to average assets | 0.5436% | 2,449 |
| Noninterest expense to average assets | 2.9106% | 1,654 |
| Loan and lease loss provision to assets | 0.0593% | 3,630 |
| Net operating income to assets | 0.2372% | 4,523 |
| Return on assets (ROA) | 0.2570% | 4,558 |
| Pretax return on assets | 0.3212% | 4,517 |
| Return on Equity (ROE) | 2.6401% | 4,453 |
| Retained earnings to average equity (ytd only) | 2.6401% | 3,533 |
| Net charge-offs to loans | -0.0120% | 4,302 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1074% | 404 |
| Assets per employee ($millions) | 3.6930% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 333 |
| Loan loss allowance to noncurrent loans | 19.7802% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 4.1069% | 60 |
| Noncurrent loans to loans | 11.7891% | 16 |
| Net loans and leases to total assets | 34.0238% | 4,646 |
| Net loans and leases to deposits | 37.5916% | 4,707 |
| Net loans and leases to core deposits | 37.5916% | 4,751 |
| Total domestic deposits to total assets | 90.5091% | 376 |
| Equity capital to assets | 9.0487% | 4,013 |
| Core capital (leverage) ratio | 8.9267% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4050% | 547 |
| Memoranda: | ||
| Average total assets | $20,236,600 | 4,951 |
| Average earning assets | $18,934,600 | 4,935 |
| Average equity | $1,969,600 | 4,973 |
| Average total loans | $8,301,200 | 4,910 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 4,393 |
| Cost of funding earning assets | 0.3151% | 4,247 |
| Net interest margin | 3.0510% | 3,864 |
| Noninterest income to average assets | 0.5736% | 2,285 |
| Noninterest expense to average assets | 2.9290% | 1,615 |
| Loan and lease loss provision to assets | 0.0607% | 3,582 |
| Net operating income to assets | 0.3552% | 4,348 |
| Return on assets (ROA) | 0.3712% | 4,382 |
| Pretax return on assets | 0.4792% | 4,320 |
| Return on Equity (ROE) | 3.7400% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.7400% | 3,172 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9315% | 563 |
| Assets per employee ($millions) | 3.4675% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 392 |
| Loan loss allowance to noncurrent loans | 19.4079% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 4.3836% | 68 |
| Noncurrent loans to loans | 10.9959% | 23 |
| Net loans and leases to total assets | 39.0147% | 4,592 |
| Net loans and leases to deposits | 43.5065% | 4,674 |
| Net loans and leases to core deposits | 43.5065% | 4,720 |
| Total domestic deposits to total assets | 89.6756% | 531 |
| Equity capital to assets | 9.7284% | 3,492 |
| Core capital (leverage) ratio | 8.7689% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2080% | 650 |
| Memoranda: | ||
| Average total assets | $19,756,250 | 4,983 |
| Average earning assets | $18,616,250 | 4,967 |
| Average equity | $1,960,750 | 5,006 |
| Average total loans | $8,446,750 | 4,940 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 4,001 |
| Cost of funding earning assets | 0.3730% | 4,154 |
| Net interest margin | 3.3682% | 3,198 |
| Noninterest income to average assets | 0.4031% | 3,056 |
| Noninterest expense to average assets | 2.9146% | 1,790 |
| Loan and lease loss provision to assets | 0.0620% | 3,521 |
| Net operating income to assets | 0.4548% | 4,124 |
| Return on assets (ROA) | 0.4548% | 4,184 |
| Pretax return on assets | 0.5995% | 4,063 |
| Return on Equity (ROE) | 4.6381% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.6381% | 2,646 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5029% | 791 |
| Assets per employee ($millions) | 3.6292% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 428 |
| Loan loss allowance to noncurrent loans | 18.9071% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 4.2021% | 78 |
| Noncurrent loans to loans | 10.5940% | 26 |
| Net loans and leases to total assets | 38.8703% | 4,646 |
| Net loans and leases to deposits | 43.0738% | 4,722 |
| Net loans and leases to core deposits | 43.0738% | 4,771 |
| Total domestic deposits to total assets | 90.2411% | 337 |
| Equity capital to assets | 9.0287% | 4,067 |
| Core capital (leverage) ratio | 8.8204% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,351,000 | 5,017 |
| Average earning assets | $18,229,333 | 5,001 |
| Average equity | $1,897,333 | 5,041 |
| Average total loans | $8,497,667 | 4,975 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 3,161 |
| Cost of funding earning assets | 0.5655% | 3,614 |
| Net interest margin | 3.6520% | 2,502 |
| Noninterest income to average assets | 0.4410% | 2,841 |
| Noninterest expense to average assets | 3.0873% | 1,674 |
| Loan and lease loss provision to assets | 0.0662% | 2,939 |
| Net operating income to assets | 0.5072% | 3,873 |
| Return on assets (ROA) | 0.5072% | 3,933 |
| Pretax return on assets | 0.7057% | 3,672 |
| Return on Equity (ROE) | 4.9383% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.9383% | 2,299 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,136 |
| Assets per employee ($millions) | 3.1602% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 497 |
| Loan loss allowance to noncurrent loans | 18.5792% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 4.8257% | 69 |
| Noncurrent loans to loans | 10.7952% | 24 |
| Net loans and leases to total assets | 43.8057% | 4,517 |
| Net loans and leases to deposits | 49.0782% | 4,625 |
| Net loans and leases to core deposits | 49.0782% | 4,699 |
| Total domestic deposits to total assets | 89.2569% | 564 |
| Equity capital to assets | 9.9626% | 3,821 |
| Core capital (leverage) ratio | 9.8222% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1433% | 1,126 |
| Memoranda: | ||
| Average total assets | $18,139,000 | 5,074 |
| Average earning assets | $16,977,000 | 5,060 |
| Average equity | $1,863,000 | 5,088 |
| Average total loans | $8,428,000 | 5,020 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 4,205 |
| Cost of funding earning assets | 0.6763% | 3,277 |
| Net interest margin | 3.3461% | 3,879 |
| Noninterest income to average assets | 0.4933% | 2,779 |
| Noninterest expense to average assets | 3.1081% | 1,736 |
| Loan and lease loss provision to assets | 0.0658% | 2,702 |
| Net operating income to assets | 0.3251% | 4,716 |
| Return on assets (ROA) | 0.3727% | 4,674 |
| Pretax return on assets | 0.4714% | 4,619 |
| Return on Equity (ROE) | 3.8773% | 4,491 |
| Retained earnings to average equity (ytd only) | 3.8773% | 3,031 |
| Net charge-offs to loans | 0.0118% | 3,264 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 751 |
| Efficiency ratio | 86.6972% | 504 |
| Assets per employee ($millions) | 2.8862% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9928% | 466 |
| Loan loss allowance to noncurrent loans | 18.2514% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 5.2838% | 46 |
| Noncurrent loans to loans | 10.9189% | 19 |
| Net loans and leases to total assets | 47.4274% | 4,454 |
| Net loans and leases to deposits | 53.4840% | 4,555 |
| Net loans and leases to core deposits | 53.4840% | 4,663 |
| Total domestic deposits to total assets | 88.6759% | 806 |
| Equity capital to assets | 10.6081% | 3,343 |
| Core capital (leverage) ratio | 10.0260% | 3,489 |
| Tier 1 risk-based capital ratio | 16.6116% | 2,181 |
| Total risk-based capital ratio | 17.8598% | 2,117 |
| Memoranda: | ||
| Average total assets | $18,242,800 | 5,129 |
| Average earning assets | $16,855,600 | 5,120 |
| Average equity | $1,753,800 | 5,149 |
| Average total loans | $8,470,000 | 5,082 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 4,415 |
| Cost of funding earning assets | 0.7130% | 3,145 |
| Net interest margin | 3.2594% | 4,169 |
| Noninterest income to average assets | 0.4835% | 2,837 |
| Noninterest expense to average assets | 3.0889% | 1,738 |
| Loan and lease loss provision to assets | 0.0650% | 2,594 |
| Net operating income to assets | 0.2677% | 4,884 |
| Return on assets (ROA) | 0.3320% | 4,828 |
| Pretax return on assets | 0.4114% | 4,797 |
| Return on Equity (ROE) | 3.5389% | 4,667 |
| Retained earnings to average equity (ytd only) | 3.5389% | 3,633 |
| Net charge-offs to loans | 0.0157% | 2,841 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 55.1353% | 1,124 |
| Efficiency ratio | 88.6128% | 370 |
| Assets per employee ($millions) | 3.0483% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 651 |
| Loan loss allowance to noncurrent loans | 17.2632% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 5.1941% | 69 |
| Noncurrent loans to loans | 10.5532% | 24 |
| Net loans and leases to total assets | 48.3215% | 4,501 |
| Net loans and leases to deposits | 54.0451% | 4,625 |
| Net loans and leases to core deposits | 55.9544% | 4,686 |
| Total domestic deposits to total assets | 89.4095% | 476 |
| Equity capital to assets | 9.9071% | 4,110 |
| Core capital (leverage) ratio | 9.8316% | 3,805 |
| Tier 1 risk-based capital ratio | 16.7510% | 2,166 |
| Total risk-based capital ratio | 17.9978% | 2,111 |
| Memoranda: | ||
| Average total assets | $18,474,250 | 5,207 |
| Average earning assets | $17,017,000 | 5,200 |
| Average equity | $1,733,000 | 5,228 |
| Average total loans | $8,492,500 | 5,162 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,689 |
| Cost of funding earning assets | 0.6961% | 3,189 |
| Net interest margin | 3.1210% | 4,497 |
| Noninterest income to average assets | 0.4856% | 2,755 |
| Noninterest expense to average assets | 3.0644% | 1,822 |
| Loan and lease loss provision to assets | 0.0647% | 2,522 |
| Net operating income to assets | 0.2112% | 4,982 |
| Return on assets (ROA) | 0.2374% | 4,966 |
| Pretax return on assets | 0.2913% | 4,939 |
| Return on Equity (ROE) | 2.5781% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.5781% | 3,904 |
| Net charge-offs to loans | -0.0240% | 4,610 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4459% | 337 |
| Assets per employee ($millions) | 2.9952% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 605 |
| Loan loss allowance to noncurrent loans | 17.7632% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 5.0748% | 76 |
| Noncurrent loans to loans | 10.4912% | 26 |
| Net loans and leases to total assets | 47.4709% | 4,590 |
| Net loans and leases to deposits | 54.8723% | 4,641 |
| Net loans and leases to core deposits | 56.9151% | 4,682 |
| Total domestic deposits to total assets | 86.5116% | 1,816 |
| Equity capital to assets | 9.8659% | 4,086 |
| Core capital (leverage) ratio | 9.7197% | 3,914 |
| Tier 1 risk-based capital ratio | 18.1809% | 1,756 |
| Total risk-based capital ratio | 19.4273% | 1,713 |
| Memoranda: | ||
| Average total assets | $18,535,670 | 5,253 |
| Average earning assets | $17,238,000 | 5,241 |
| Average equity | $1,706,670 | 5,274 |
| Average total loans | $8,322,670 | 5,212 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,706 |
| Cost of funding earning assets | 0.6224% | 3,448 |
| Net interest margin | 3.1813% | 4,426 |
| Noninterest income to average assets | 0.4464% | 2,864 |
| Noninterest expense to average assets | 3.1672% | 1,582 |
| Loan and lease loss provision to assets | 0.0638% | 2,390 |
| Net operating income to assets | 0.1488% | 5,055 |
| Return on assets (ROA) | 0.1488% | 5,061 |
| Pretax return on assets | 0.1488% | 5,071 |
| Return on Equity (ROE) | 1.6731% | 5,004 |
| Retained earnings to average equity (ytd only) | 1.6731% | 4,146 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7107% | 283 |
| Assets per employee ($millions) | 3.0745% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 556 |
| Loan loss allowance to noncurrent loans | 17.1181% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 5.0035% | 69 |
| Noncurrent loans to loans | 11.3796% | 22 |
| Net loans and leases to total assets | 43.1127% | 4,782 |
| Net loans and leases to deposits | 47.8433% | 4,881 |
| Net loans and leases to core deposits | 49.5021% | 4,908 |
| Total domestic deposits to total assets | 90.1122% | 410 |
| Equity capital to assets | 9.3132% | 4,420 |
| Core capital (leverage) ratio | 9.5236% | 4,103 |
| Tier 1 risk-based capital ratio | 17.7961% | 1,855 |
| Total risk-based capital ratio | 19.0476% | 1,811 |
| Memoranda: | ||
| Average total assets | $18,818,000 | 5,308 |
| Average earning assets | $17,351,500 | 5,295 |
| Average equity | $1,673,500 | 5,333 |
| Average total loans | $8,137,500 | 5,276 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,812 |
| Cost of funding earning assets | 0.5512% | 3,043 |
| Net interest margin | 3.0345% | 4,759 |
| Noninterest income to average assets | 0.4884% | 2,894 |
| Noninterest expense to average assets | 2.9759% | 2,114 |
| Loan and lease loss provision to assets | 0.1424% | 1,506 |
| Net operating income to assets | 0.1691% | 5,132 |
| Return on assets (ROA) | 0.1475% | 5,141 |
| Pretax return on assets | 0.1730% | 5,135 |
| Return on Equity (ROE) | 1.7800% | 5,073 |
| Retained earnings to average equity (ytd only) | 1.7800% | 4,433 |
| Net charge-offs to loans | 0.0595% | 2,286 |
| Credit loss provision to net charge-offs | 560.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 2,461 |
| Efficiency ratio | 89.7239% | 355 |
| Assets per employee ($millions) | 3.1982% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 576 |
| Loan loss allowance to noncurrent loans | 16.4544% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 4.9091% | 71 |
| Noncurrent loans to loans | 11.5385% | 19 |
| Net loans and leases to total assets | 41.7375% | 4,888 |
| Net loans and leases to deposits | 46.8801% | 4,963 |
| Net loans and leases to core deposits | 48.4601% | 4,981 |
| Total domestic deposits to total assets | 89.0302% | 845 |
| Equity capital to assets | 8.4892% | 4,939 |
| Core capital (leverage) ratio | 9.2448% | 4,405 |
| Tier 1 risk-based capital ratio | 17.9532% | 1,768 |
| Total risk-based capital ratio | 19.2002% | 1,729 |
| Memoranda: | ||
| Average total assets | $19,658,000 | 5,344 |
| Average earning assets | $18,322,800 | 5,332 |
| Average equity | $1,629,200 | 5,378 |
| Average total loans | $8,400,800 | 5,317 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 4,925 |
| Cost of funding earning assets | 0.5106% | 3,123 |
| Net interest margin | 2.9916% | 4,860 |
| Noninterest income to average assets | 0.4787% | 2,991 |
| Noninterest expense to average assets | 3.0205% | 1,953 |
| Loan and lease loss provision to assets | 0.1685% | 1,114 |
| Net operating income to assets | 0.0738% | 5,267 |
| Return on assets (ROA) | 0.0472% | 5,274 |
| Pretax return on assets | 0.0607% | 5,270 |
| Return on Equity (ROE) | 0.5727% | 5,261 |
| Retained earnings to average equity (ytd only) | 0.5727% | 4,939 |
| Net charge-offs to loans | 0.0946% | 1,543 |
| Credit loss provision to net charge-offs | 416.6667% | 801 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,879 |
| Efficiency ratio | 91.9918% | 278 |
| Assets per employee ($millions) | 3.0667% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 656 |
| Loan loss allowance to noncurrent loans | 14.9950% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 5.4728% | 72 |
| Noncurrent loans to loans | 12.3226% | 18 |
| Net loans and leases to total assets | 43.5924% | 4,896 |
| Net loans and leases to deposits | 48.3717% | 5,002 |
| Net loans and leases to core deposits | 50.0530% | 5,020 |
| Total domestic deposits to total assets | 90.1196% | 470 |
| Equity capital to assets | 8.7174% | 4,785 |
| Core capital (leverage) ratio | 8.8757% | 4,826 |
| Tier 1 risk-based capital ratio | 18.9977% | 1,537 |
| Total risk-based capital ratio | 20.2451% | 1,508 |
| Memoranda: | ||
| Average total assets | $19,775,250 | 5,415 |
| Average earning assets | $18,540,000 | 5,401 |
| Average equity | $1,629,250 | 5,448 |
| Average total loans | $8,460,000 | 5,384 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4034% | 5,034 |
| Cost of funding earning assets | 0.4952% | 3,032 |
| Net interest margin | 2.9082% | 5,005 |
| Noninterest income to average assets | 0.4547% | 3,121 |
| Noninterest expense to average assets | 2.9555% | 2,187 |
| Loan and lease loss provision to assets | 0.2175% | 759 |
| Net operating income to assets | 0.0000% | 5,342 |
| Return on assets (ROA) | -0.0593% | 5,357 |
| Pretax return on assets | -0.0494% | 5,354 |
| Return on Equity (ROE) | -0.7327% | 5,369 |
| Retained earnings to average equity (ytd only) | -0.7327% | 5,051 |
| Net charge-offs to loans | 0.1403% | 1,078 |
| Credit loss provision to net charge-offs | 366.6667% | 877 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,846 |
| Efficiency ratio | 92.8571% | 286 |
| Assets per employee ($millions) | 3.3380% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 978 |
| Loan loss allowance to noncurrent loans | 14.3961% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 5.1678% | 86 |
| Noncurrent loans to loans | 11.5166% | 24 |
| Net loans and leases to total assets | 44.1282% | 4,895 |
| Net loans and leases to deposits | 48.2845% | 5,019 |
| Net loans and leases to core deposits | 51.5516% | 5,008 |
| Total domestic deposits to total assets | 91.3921% | 174 |
| Equity capital to assets | 7.9489% | 5,238 |
| Core capital (leverage) ratio | 8.5512% | 5,074 |
| Tier 1 risk-based capital ratio | 15.5962% | 2,586 |
| Total risk-based capital ratio | 16.8387% | 2,538 |
| Memoranda: | ||
| Average total assets | $20,233,670 | 5,475 |
| Average earning assets | $18,981,000 | 5,460 |
| Average equity | $1,637,670 | 5,510 |
| Average total loans | $8,556,000 | 5,440 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,113 |
| Cost of funding earning assets | 0.4594% | 3,138 |
| Net interest margin | 2.8609% | 5,084 |
| Noninterest income to average assets | 0.4327% | 3,222 |
| Noninterest expense to average assets | 3.0290% | 1,993 |
| Loan and lease loss provision to assets | 0.0590% | 2,587 |
| Net operating income to assets | 0.0197% | 5,378 |
| Return on assets (ROA) | 0.0197% | 5,375 |
| Pretax return on assets | 0.0393% | 5,363 |
| Return on Equity (ROE) | 0.2409% | 5,367 |
| Retained earnings to average equity (ytd only) | 0.2409% | 4,768 |
| Net charge-offs to loans | 0.2878% | 535 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 2,610 |
| Efficiency ratio | 96.8553% | 232 |
| Assets per employee ($millions) | 3.3283% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 1,292 |
| Loan loss allowance to noncurrent loans | 12.8713% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 5.0576% | 93 |
| Noncurrent loans to loans | 12.0281% | 16 |
| Net loans and leases to total assets | 41.3971% | 5,004 |
| Net loans and leases to deposits | 45.9482% | 5,099 |
| Net loans and leases to core deposits | 49.1148% | 5,065 |
| Total domestic deposits to total assets | 90.0951% | 624 |
| Equity capital to assets | 8.1422% | 5,210 |
| Core capital (leverage) ratio | 8.4214% | 5,186 |
| Tier 1 risk-based capital ratio | 17.2821% | 2,042 |
| Total risk-based capital ratio | 18.5230% | 1,993 |
| Memoranda: | ||
| Average total assets | $20,336,500 | 5,537 |
| Average earning assets | $19,154,500 | 5,519 |
| Average equity | $1,660,500 | 5,570 |
| Average total loans | $8,340,500 | 5,505 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3349% | 5,040 |
| Cost of funding earning assets | 0.2939% | 4,201 |
| Net interest margin | 3.0409% | 4,803 |
| Noninterest income to average assets | 0.4632% | 3,228 |
| Noninterest expense to average assets | 2.9354% | 2,329 |
| Loan and lease loss provision to assets | 0.0604% | 3,027 |
| Net operating income to assets | 0.3231% | 4,889 |
| Return on assets (ROA) | 0.3524% | 4,847 |
| Pretax return on assets | 0.3625% | 5,134 |
| Return on Equity (ROE) | 4.1901% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.1901% | 2,651 |
| Net charge-offs to loans | 0.0959% | 2,122 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,754 |
| Efficiency ratio | 88.1997% | 522 |
| Assets per employee ($millions) | 3.4505% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,156 |
| Loan loss allowance to noncurrent loans | 12.9032% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 4.9413% | 93 |
| Noncurrent loans to loans | 12.3491% | 14 |
| Net loans and leases to total assets | 39.3759% | 5,157 |
| Net loans and leases to deposits | 47.0127% | 5,165 |
| Net loans and leases to core deposits | 50.3832% | 5,122 |
| Total domestic deposits to total assets | 83.7560% | 3,292 |
| Equity capital to assets | 8.1872% | 5,312 |
| Core capital (leverage) ratio | 8.5215% | 5,121 |
| Tier 1 risk-based capital ratio | 21.5743% | 1,063 |
| Total risk-based capital ratio | 22.8212% | 1,045 |
| Memoranda: | ||
| Average total assets | $19,861,200 | 5,604 |
| Average earning assets | $18,711,400 | 5,587 |
| Average equity | $1,670,600 | 5,633 |
| Average total loans | $8,339,600 | 5,569 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3147% | 5,095 |
| Cost of funding earning assets | 0.2660% | 4,437 |
| Net interest margin | 3.0487% | 4,818 |
| Noninterest income to average assets | 0.4749% | 3,184 |
| Noninterest expense to average assets | 2.9990% | 2,112 |
| Loan and lease loss provision to assets | 0.0611% | 2,854 |
| Net operating income to assets | 0.2494% | 5,298 |
| Return on assets (ROA) | 0.2782% | 5,275 |
| Pretax return on assets | 0.3257% | 5,286 |
| Return on Equity (ROE) | 3.2845% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.2845% | 3,970 |
| Net charge-offs to loans | 0.1277% | 1,509 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 6.4977% | 2,980 |
| Efficiency ratio | 89.4737% | 430 |
| Assets per employee ($millions) | 3.3510% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,310 |
| Loan loss allowance to noncurrent loans | 12.1583% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 5.2770% | 92 |
| Noncurrent loans to loans | 12.8981% | 13 |
| Net loans and leases to total assets | 40.2716% | 5,190 |
| Net loans and leases to deposits | 45.9561% | 5,257 |
| Net loans and leases to core deposits | 49.1920% | 5,227 |
| Total domestic deposits to total assets | 87.6306% | 1,560 |
| Equity capital to assets | 8.4701% | 5,302 |
| Core capital (leverage) ratio | 8.4134% | 5,308 |
| Tier 1 risk-based capital ratio | 19.6771% | 1,442 |
| Total risk-based capital ratio | 20.9289% | 1,404 |
| Memoranda: | ||
| Average total assets | $19,650,750 | 5,672 |
| Average earning assets | $18,543,000 | 5,654 |
| Average equity | $1,664,500 | 5,700 |
| Average total loans | $8,353,500 | 5,634 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3768% | 4,994 |
| Cost of funding earning assets | 0.2396% | 4,643 |
| Net interest margin | 3.1372% | 4,582 |
| Noninterest income to average assets | 0.4513% | 3,343 |
| Noninterest expense to average assets | 3.0976% | 1,843 |
| Loan and lease loss provision to assets | 0.0615% | 2,733 |
| Net operating income to assets | 0.2082% | 5,383 |
| Return on assets (ROA) | 0.2257% | 5,374 |
| Pretax return on assets | 0.2667% | 5,371 |
| Return on Equity (ROE) | 2.6640% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.6640% | 4,112 |
| Net charge-offs to loans | 0.1667% | 1,165 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 2,954 |
| Efficiency ratio | 90.9639% | 402 |
| Assets per employee ($millions) | 3.2865% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 1,251 |
| Loan loss allowance to noncurrent loans | 11.5004% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 5.6443% | 84 |
| Noncurrent loans to loans | 13.9596% | 11 |
| Net loans and leases to total assets | 39.7840% | 5,231 |
| Net loans and leases to deposits | 43.8955% | 5,348 |
| Net loans and leases to core deposits | 46.9395% | 5,318 |
| Total domestic deposits to total assets | 90.6334% | 315 |
| Equity capital to assets | 8.5552% | 5,262 |
| Core capital (leverage) ratio | 8.3926% | 5,286 |
| Tier 1 risk-based capital ratio | 21.7955% | 1,077 |
| Total risk-based capital ratio | 23.0406% | 1,057 |
| Memoranda: | ||
| Average total assets | $19,499,000 | 5,719 |
| Average earning assets | $18,360,330 | 5,705 |
| Average equity | $1,651,670 | 5,752 |
| Average total loans | $8,396,000 | 5,678 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 4,525 |
| Cost of funding earning assets | 0.2196% | 4,808 |
| Net interest margin | 3.3384% | 3,891 |
| Noninterest income to average assets | 0.4539% | 3,288 |
| Noninterest expense to average assets | 3.1564% | 1,727 |
| Loan and lease loss provision to assets | 0.0619% | 2,570 |
| Net operating income to assets | 0.1931% | 5,404 |
| Return on assets (ROA) | 0.2063% | 5,397 |
| Pretax return on assets | 0.3920% | 5,170 |
| Return on Equity (ROE) | 2.4480% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.4480% | 4,166 |
| Net charge-offs to loans | 0.3253% | 568 |
| Credit loss provision to net charge-offs | 42.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,522 |
| Efficiency ratio | 87.9310% | 663 |
| Assets per employee ($millions) | 3.3332% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,733 |
| Loan loss allowance to noncurrent loans | 198.4127% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,933 |
| Noncurrent loans to loans | 0.7501% | 2,613 |
| Net loans and leases to total assets | 41.3721% | 5,190 |
| Net loans and leases to deposits | 45.5141% | 5,315 |
| Net loans and leases to core deposits | 48.6134% | 5,276 |
| Total domestic deposits to total assets | 90.8995% | 330 |
| Equity capital to assets | 8.2154% | 5,404 |
| Core capital (leverage) ratio | 8.4452% | 5,269 |
| Tier 1 risk-based capital ratio | 20.0289% | 1,383 |
| Total risk-based capital ratio | 21.2710% | 1,353 |
| Memoranda: | ||
| Average total assets | $19,389,000 | 5,790 |
| Average earning assets | $18,212,500 | 5,772 |
| Average equity | $1,634,000 | 5,820 |
| Average total loans | $8,607,500 | 5,740 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,640 |
| Cost of funding earning assets | 0.2040% | 4,978 |
| Net interest margin | 3.6785% | 2,780 |
| Noninterest income to average assets | 0.4970% | 3,262 |
| Noninterest expense to average assets | 3.1721% | 1,857 |
| Loan and lease loss provision to assets | 0.2115% | 1,069 |
| Net operating income to assets | 0.4316% | 4,847 |
| Return on assets (ROA) | 0.4441% | 4,896 |
| Pretax return on assets | 0.5604% | 4,896 |
| Return on Equity (ROE) | 5.2135% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.2135% | 2,197 |
| Net charge-offs to loans | 0.1769% | 1,553 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 8.9375% | 2,814 |
| Efficiency ratio | 80.7537% | 1,333 |
| Assets per employee ($millions) | 3.1298% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,826 |
| Loan loss allowance to noncurrent loans | 921.4286% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 5,034 |
| Noncurrent loans to loans | 0.1588% | 4,602 |
| Net loans and leases to total assets | 46.2591% | 5,002 |
| Net loans and leases to deposits | 51.8813% | 5,132 |
| Net loans and leases to core deposits | 55.7359% | 5,056 |
| Total domestic deposits to total assets | 89.1634% | 1,031 |
| Equity capital to assets | 8.6533% | 5,146 |
| Core capital (leverage) ratio | 8.4830% | 5,278 |
| Tier 1 risk-based capital ratio | 21.8414% | 1,105 |
| Total risk-based capital ratio | 23.0914% | 1,081 |
| Memoranda: | ||
| Average total assets | $18,914,800 | 5,849 |
| Average earning assets | $17,643,000 | 5,831 |
| Average equity | $1,611,200 | 5,883 |
| Average total loans | $9,046,200 | 5,786 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,589 |
| Cost of funding earning assets | 0.2035% | 5,037 |
| Net interest margin | 3.6939% | 2,738 |
| Noninterest income to average assets | 0.4996% | 3,248 |
| Noninterest expense to average assets | 3.1734% | 1,843 |
| Loan and lease loss provision to assets | 0.1407% | 1,668 |
| Net operating income to assets | 0.4767% | 4,779 |
| Return on assets (ROA) | 0.4925% | 4,816 |
| Pretax return on assets | 0.6544% | 4,725 |
| Return on Equity (ROE) | 5.8050% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.8050% | 2,297 |
| Net charge-offs to loans | 0.2343% | 1,004 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 6.8758% | 2,948 |
| Efficiency ratio | 80.3922% | 1,393 |
| Assets per employee ($millions) | 3.2328% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,848 |
| Loan loss allowance to noncurrent loans | 519.0476% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,992 |
| Noncurrent loans to loans | 0.2116% | 4,509 |
| Net loans and leases to total assets | 50.6058% | 4,775 |
| Net loans and leases to deposits | 58.5960% | 4,842 |
| Net loans and leases to core deposits | 62.9473% | 4,777 |
| Total domestic deposits to total assets | 86.3639% | 2,184 |
| Equity capital to assets | 8.5013% | 5,531 |
| Core capital (leverage) ratio | 8.4704% | 5,385 |
| Tier 1 risk-based capital ratio | 18.5858% | 1,769 |
| Total risk-based capital ratio | 19.8309% | 1,735 |
| Memoranda: | ||
| Average total assets | $18,948,750 | 5,914 |
| Average earning assets | $17,686,500 | 5,895 |
| Average equity | $1,607,750 | 5,949 |
| Average total loans | $9,103,750 | 5,849 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,038 |
| Cost of funding earning assets | 0.1830% | 5,293 |
| Net interest margin | 3.5923% | 3,127 |
| Noninterest income to average assets | 0.5000% | 3,191 |
| Noninterest expense to average assets | 3.1065% | 2,040 |
| Loan and lease loss provision to assets | 0.2128% | 1,003 |
| Net operating income to assets | 0.3510% | 5,179 |
| Return on assets (ROA) | 0.3724% | 5,206 |
| Pretax return on assets | 0.5532% | 5,014 |
| Return on Equity (ROE) | 4.3915% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.3915% | 3,122 |
| Net charge-offs to loans | 0.3171% | 745 |
| Credit loss provision to net charge-offs | 142.8571% | 1,652 |
| Earnings coverage of net charge-offs (x) | 4.9286% | 2,921 |
| Efficiency ratio | 80.8864% | 1,393 |
| Assets per employee ($millions) | 3.1748% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,532 |
| Loan loss allowance to noncurrent loans | 916.6667% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,304 |
| Noncurrent loans to loans | 0.1275% | 4,928 |
| Net loans and leases to total assets | 48.8215% | 4,923 |
| Net loans and leases to deposits | 55.6686% | 5,039 |
| Net loans and leases to core deposits | 59.8148% | 4,990 |
| Total domestic deposits to total assets | 87.7001% | 1,571 |
| Equity capital to assets | 8.5254% | 5,582 |
| Core capital (leverage) ratio | 8.4515% | 5,403 |
| Tier 1 risk-based capital ratio | 19.7323% | 1,514 |
| Total risk-based capital ratio | 20.9841% | 1,474 |
| Memoranda: | ||
| Average total assets | $18,799,330 | 5,991 |
| Average earning assets | $17,481,670 | 5,972 |
| Average equity | $1,594,000 | 6,027 |
| Average total loans | $8,830,000 | 5,931 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 3,883 |
| Cost of funding earning assets | 0.1851% | 5,324 |
| Net interest margin | 3.6322% | 2,954 |
| Noninterest income to average assets | 0.4712% | 3,335 |
| Noninterest expense to average assets | 3.1915% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4284% | 4,907 |
| Return on assets (ROA) | 0.4284% | 4,985 |
| Pretax return on assets | 0.6426% | 4,696 |
| Return on Equity (ROE) | 5.0665% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.0665% | 2,897 |
| Net charge-offs to loans | 0.7494% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 2,762 |
| Efficiency ratio | 83.2402% | 1,232 |
| Assets per employee ($millions) | 3.1542% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 4,577 |
| Loan loss allowance to noncurrent loans | 725.0000% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 5,349 |
| Noncurrent loans to loans | 0.1386% | 4,921 |
| Net loans and leases to total assets | 45.2999% | 5,169 |
| Net loans and leases to deposits | 50.7939% | 5,296 |
| Net loans and leases to core deposits | 54.5356% | 5,214 |
| Total domestic deposits to total assets | 89.1836% | 1,007 |
| Equity capital to assets | 8.3857% | 5,649 |
| Core capital (leverage) ratio | 8.3074% | 5,563 |
| Tier 1 risk-based capital ratio | 17.8730% | 2,020 |
| Total risk-based capital ratio | 18.8615% | 2,063 |
| Memoranda: | ||
| Average total assets | $18,674,500 | 6,052 |
| Average earning assets | $17,290,000 | 6,033 |
| Average equity | $1,579,000 | 6,088 |
| Average total loans | $8,540,000 | 5,991 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,535 |
| Cost of funding earning assets | 0.1480% | 5,697 |
| Net interest margin | 3.4988% | 3,525 |
| Noninterest income to average assets | 0.5350% | 3,110 |
| Noninterest expense to average assets | 3.3311% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3971% | 5,062 |
| Return on assets (ROA) | 0.3971% | 5,139 |
| Pretax return on assets | 0.4633% | 5,192 |
| Return on Equity (ROE) | 4.6820% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.6820% | 2,655 |
| Net charge-offs to loans | -0.0118% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7907% | 847 |
| Assets per employee ($millions) | 3.0707% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 3,274 |
| Loan loss allowance to noncurrent loans | 335.4839% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,928 |
| Noncurrent loans to loans | 0.3682% | 4,128 |
| Net loans and leases to total assets | 45.1368% | 5,218 |
| Net loans and leases to deposits | 50.7692% | 5,346 |
| Net loans and leases to core deposits | 54.6279% | 5,274 |
| Total domestic deposits to total assets | 88.9058% | 1,167 |
| Equity capital to assets | 8.5269% | 5,544 |
| Core capital (leverage) ratio | 8.4423% | 5,482 |
| Tier 1 risk-based capital ratio | 19.0811% | 1,688 |
| Total risk-based capital ratio | 20.3252% | 1,643 |
| Memoranda: | ||
| Average total assets | $18,132,200 | 6,114 |
| Average earning assets | $16,891,600 | 6,099 |
| Average equity | $1,537,800 | 6,147 |
| Average total loans | $8,467,600 | 6,047 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 4,671 |
| Cost of funding earning assets | 0.1422% | 5,832 |
| Net interest margin | 3.4770% | 3,637 |
| Noninterest income to average assets | 0.5316% | 3,153 |
| Noninterest expense to average assets | 3.2559% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4577% | 4,941 |
| Return on assets (ROA) | 0.4577% | 5,041 |
| Pretax return on assets | 0.5242% | 5,163 |
| Return on Equity (ROE) | 5.4044% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.4044% | 2,639 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1328% | 996 |
| Assets per employee ($millions) | 3.0477% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,715 |
| Loan loss allowance to noncurrent loans | 542.1053% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 5,331 |
| Noncurrent loans to loans | 0.2194% | 4,779 |
| Net loans and leases to total assets | 46.8008% | 5,169 |
| Net loans and leases to deposits | 54.3262% | 5,229 |
| Net loans and leases to core deposits | 58.6325% | 5,151 |
| Total domestic deposits to total assets | 86.1479% | 2,457 |
| Equity capital to assets | 8.5530% | 5,675 |
| Core capital (leverage) ratio | 8.4698% | 5,573 |
| Tier 1 risk-based capital ratio | 20.3876% | 1,457 |
| Total risk-based capital ratio | 21.6353% | 1,427 |
| Memoranda: | ||
| Average total assets | $18,059,250 | 6,201 |
| Average earning assets | $16,872,500 | 6,184 |
| Average equity | $1,529,500 | 6,233 |
| Average total loans | $8,479,500 | 6,129 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 4,821 |
| Cost of funding earning assets | 0.1312% | 5,980 |
| Net interest margin | 3.4340% | 3,777 |
| Noninterest income to average assets | 0.5227% | 3,207 |
| Noninterest expense to average assets | 3.2140% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4671% | 4,907 |
| Return on assets (ROA) | 0.4671% | 5,001 |
| Pretax return on assets | 0.5116% | 5,192 |
| Return on Equity (ROE) | 5.5336% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.5336% | 2,519 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2687% | 1,040 |
| Assets per employee ($millions) | 2.9810% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 3,521 |
| Loan loss allowance to noncurrent loans | 542.1053% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 5,441 |
| Noncurrent loans to loans | 0.2301% | 4,852 |
| Net loans and leases to total assets | 45.5831% | 5,284 |
| Net loans and leases to deposits | 50.4486% | 5,480 |
| Net loans and leases to core deposits | 54.3352% | 5,401 |
| Total domestic deposits to total assets | 90.3556% | 511 |
| Equity capital to assets | 8.5430% | 5,651 |
| Core capital (leverage) ratio | 8.3530% | 5,672 |
| Tier 1 risk-based capital ratio | 22.3329% | 1,158 |
| Total risk-based capital ratio | 23.5785% | 1,140 |
| Memoranda: | ||
| Average total assets | $17,983,670 | 6,280 |
| Average earning assets | $16,773,330 | 6,260 |
| Average equity | $1,518,000 | 6,308 |
| Average total loans | $8,419,000 | 6,205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 5,088 |
| Cost of funding earning assets | 0.1428% | 5,982 |
| Net interest margin | 3.3079% | 4,183 |
| Noninterest income to average assets | 0.5767% | 2,793 |
| Noninterest expense to average assets | 3.1499% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5324% | 4,538 |
| Return on assets (ROA) | 0.5324% | 4,652 |
| Pretax return on assets | 0.5102% | 5,156 |
| Return on Equity (ROE) | 6.3450% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.3450% | 2,311 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0606% | 1,178 |
| Assets per employee ($millions) | 3.0877% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,967 |
| Loan loss allowance to noncurrent loans | 490.4762% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 5,499 |
| Noncurrent loans to loans | 0.2452% | 4,898 |
| Net loans and leases to total assets | 45.6817% | 5,221 |
| Net loans and leases to deposits | 50.4200% | 5,430 |
| Net loans and leases to core deposits | 54.1493% | 5,357 |
| Total domestic deposits to total assets | 90.6024% | 493 |
| Equity capital to assets | 8.2803% | 5,883 |
| Core capital (leverage) ratio | 8.3113% | 5,714 |
| Tier 1 risk-based capital ratio | 21.1487% | 1,389 |
| Total risk-based capital ratio | 22.3985% | 1,365 |
| Memoranda: | ||
| Average total assets | $18,032,500 | 6,343 |
| Average earning assets | $16,808,000 | 6,325 |
| Average equity | $1,513,000 | 6,376 |
| Average total loans | $8,500,500 | 6,269 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 5,463 |
| Cost of funding earning assets | 0.1606% | 6,039 |
| Net interest margin | 3.2696% | 4,686 |
| Noninterest income to average assets | 0.5108% | 3,424 |
| Noninterest expense to average assets | 3.2771% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1320% | 5,909 |
| Return on assets (ROA) | 0.1320% | 5,956 |
| Pretax return on assets | 0.1550% | 5,933 |
| Return on Equity (ROE) | 1.5851% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.5851% | 5,034 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4849% | 523 |
| Assets per employee ($millions) | 2.9232% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,875 |
| Loan loss allowance to noncurrent loans | 858.3333% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,752 |
| Noncurrent loans to loans | 0.1423% | 5,324 |
| Net loans and leases to total assets | 47.5056% | 5,199 |
| Net loans and leases to deposits | 53.9917% | 5,329 |
| Net loans and leases to core deposits | 58.3637% | 5,238 |
| Total domestic deposits to total assets | 87.9868% | 1,784 |
| Equity capital to assets | 8.5068% | 5,753 |
| Core capital (leverage) ratio | 8.5875% | 5,461 |
| Tier 1 risk-based capital ratio | 15.6345% | 3,167 |
| Total risk-based capital ratio | 16.7138% | 3,179 |
| Memoranda: | ||
| Average total assets | $17,424,200 | 6,440 |
| Average earning assets | $15,567,600 | 6,430 |
| Average equity | $1,451,000 | 6,467 |
| Average total loans | $7,358,800 | 6,386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4070% | 5,583 |
| Cost of funding earning assets | 0.1643% | 6,096 |
| Net interest margin | 3.2427% | 4,816 |
| Noninterest income to average assets | 0.4905% | 3,609 |
| Noninterest expense to average assets | 3.1578% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1763% | 5,890 |
| Return on assets (ROA) | 0.1763% | 5,931 |
| Pretax return on assets | 0.2070% | 5,940 |
| Return on Equity (ROE) | 2.1288% | 5,808 |
| Retained earnings to average equity (ytd only) | 2.1288% | 4,990 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8497% | 604 |
| Assets per employee ($millions) | 2.8332% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 3,165 |
| Loan loss allowance to noncurrent loans | 858.3333% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 5,874 |
| Noncurrent loans to loans | 0.1633% | 5,419 |
| Net loans and leases to total assets | 42.6143% | 5,628 |
| Net loans and leases to deposits | 47.2846% | 5,806 |
| Net loans and leases to core deposits | 51.1437% | 5,734 |
| Total domestic deposits to total assets | 90.1229% | 674 |
| Equity capital to assets | 8.7240% | 5,624 |
| Core capital (leverage) ratio | 8.8797% | 5,219 |
| Tier 1 risk-based capital ratio | 15.0162% | 3,576 |
| Total risk-based capital ratio | 16.0693% | 3,628 |
| Memoranda: | ||
| Average total assets | $17,395,500 | 6,521 |
| Average earning assets | $15,418,750 | 6,510 |
| Average equity | $1,440,750 | 6,547 |
| Average total loans | $7,089,750 | 6,466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 5,668 |
| Cost of funding earning assets | 0.1559% | 6,234 |
| Net interest margin | 3.2217% | 4,865 |
| Noninterest income to average assets | 0.4564% | 3,819 |
| Noninterest expense to average assets | 3.2064% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0571% | 6,122 |
| Return on assets (ROA) | 0.0571% | 6,145 |
| Pretax return on assets | 0.0799% | 6,116 |
| Return on Equity (ROE) | 0.7009% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.7009% | 5,456 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5694% | 484 |
| Assets per employee ($millions) | 2.8472% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,728 |
| Loan loss allowance to noncurrent loans | 866.6667% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 5,959 |
| Noncurrent loans to loans | 0.1776% | 5,481 |
| Net loans and leases to total assets | 38.9393% | 5,895 |
| Net loans and leases to deposits | 43.1360% | 6,017 |
| Net loans and leases to core deposits | 46.6316% | 5,967 |
| Total domestic deposits to total assets | 90.2710% | 675 |
| Equity capital to assets | 8.5582% | 5,754 |
| Core capital (leverage) ratio | 8.7582% | 5,329 |
| Tier 1 risk-based capital ratio | 16.0114% | 3,075 |
| Total risk-based capital ratio | 17.1504% | 3,081 |
| Memoranda: | ||
| Average total assets | $17,527,670 | 6,585 |
| Average earning assets | $15,395,670 | 6,575 |
| Average equity | $1,426,670 | 6,610 |
| Average total loans | $7,004,000 | 6,531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 5,925 |
| Cost of funding earning assets | 0.1824% | 6,145 |
| Net interest margin | 3.0740% | 5,326 |
| Noninterest income to average assets | 0.4507% | 3,787 |
| Noninterest expense to average assets | 3.1099% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | 0.0000% | 6,215 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 466 |
| Assets per employee ($millions) | 2.8665% | 6,021 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,278 |
| Loan loss allowance to noncurrent loans | 84.5528% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 3,972 |
| Noncurrent loans to loans | 1.7405% | 2,225 |
| Net loans and leases to total assets | 40.4849% | 5,775 |
| Net loans and leases to deposits | 44.7292% | 5,932 |
| Net loans and leases to core deposits | 48.3139% | 5,855 |
| Total domestic deposits to total assets | 90.5111% | 792 |
| Equity capital to assets | 8.3028% | 5,821 |
| Core capital (leverage) ratio | 8.5525% | 5,580 |
| Tier 1 risk-based capital ratio | 15.5816% | 3,389 |
| Total risk-based capital ratio | 16.6916% | 3,428 |
| Memoranda: | ||
| Average total assets | $17,750,000 | 6,654 |
| Average earning assets | $15,354,500 | 6,649 |
| Average equity | $1,409,000 | 6,676 |
| Average total loans | $7,128,000 | 6,598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 5,716 |
| Cost of funding earning assets | 0.1796% | 6,395 |
| Net interest margin | 3.2785% | 4,741 |
| Noninterest income to average assets | 0.7050% | 2,514 |
| Noninterest expense to average assets | 3.1610% | 2,543 |
| Loan and lease loss provision to assets | 0.0853% | 3,405 |
| Net operating income to assets | 0.2956% | 5,539 |
| Return on assets (ROA) | 0.2956% | 5,632 |
| Pretax return on assets | 0.3639% | 5,575 |
| Return on Equity (ROE) | 3.7026% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.7026% | 3,583 |
| Net charge-offs to loans | 0.7251% | 889 |
| Credit loss provision to net charge-offs | 28.3019% | 4,285 |
| Earnings coverage of net charge-offs (x) | 1.4906% | 4,556 |
| Efficiency ratio | 87.5591% | 1,258 |
| Assets per employee ($millions) | 3.0502% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 3,436 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 5,757 |
| Noncurrent loans to loans | 0.4729% | 4,811 |
| Net loans and leases to total assets | 38.7137% | 6,043 |
| Net loans and leases to deposits | 43.0699% | 6,173 |
| Net loans and leases to core deposits | 46.3223% | 6,123 |
| Total domestic deposits to total assets | 89.8858% | 1,138 |
| Equity capital to assets | 7.5952% | 6,236 |
| Core capital (leverage) ratio | 8.5392% | 5,621 |
| Tier 1 risk-based capital ratio | 15.1805% | 3,557 |
| Total risk-based capital ratio | 16.2626% | 3,601 |
| Memoranda: | ||
| Average total assets | $17,589,400 | 6,732 |
| Average earning assets | $15,586,200 | 6,725 |
| Average equity | $1,404,400 | 6,765 |
| Average total loans | $7,309,400 | 6,675 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 5,892 |
| Cost of funding earning assets | 0.1777% | 6,515 |
| Net interest margin | 3.2150% | 4,950 |
| Noninterest income to average assets | 0.7045% | 2,579 |
| Noninterest expense to average assets | 3.0630% | 2,780 |
| Loan and lease loss provision to assets | 0.1149% | 2,853 |
| Net operating income to assets | 0.2833% | 5,668 |
| Return on assets (ROA) | 0.2833% | 5,775 |
| Pretax return on assets | 0.4365% | 5,537 |
| Return on Equity (ROE) | 3.5036% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.5036% | 4,198 |
| Net charge-offs to loans | 0.8720% | 670 |
| Credit loss provision to net charge-offs | 31.2500% | 3,871 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,339 |
| Efficiency ratio | 84.7458% | 1,509 |
| Assets per employee ($millions) | 2.8905% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,541 |
| Loan loss allowance to noncurrent loans | 436.0000% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 6,012 |
| Noncurrent loans to loans | 0.3393% | 5,372 |
| Net loans and leases to total assets | 41.8613% | 5,912 |
| Net loans and leases to deposits | 46.0923% | 6,093 |
| Net loans and leases to core deposits | 49.7362% | 6,029 |
| Total domestic deposits to total assets | 90.8205% | 605 |
| Equity capital to assets | 8.0205% | 6,140 |
| Core capital (leverage) ratio | 8.5377% | 5,738 |
| Tier 1 risk-based capital ratio | 17.8351% | 2,387 |
| Total risk-based capital ratio | 19.0694% | 2,360 |
| Memoranda: | ||
| Average total assets | $17,411,500 | 6,811 |
| Average earning assets | $15,759,000 | 6,800 |
| Average equity | $1,408,000 | 6,844 |
| Average total loans | $7,339,500 | 6,747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4139% | 5,878 |
| Cost of funding earning assets | 0.1764% | 6,591 |
| Net interest margin | 3.2375% | 4,813 |
| Noninterest income to average assets | 0.6883% | 2,701 |
| Noninterest expense to average assets | 3.0744% | 2,746 |
| Loan and lease loss provision to assets | 0.1721% | 2,189 |
| Net operating income to assets | 0.3327% | 5,479 |
| Return on assets (ROA) | 0.3327% | 5,641 |
| Pretax return on assets | 0.3900% | 5,660 |
| Return on Equity (ROE) | 4.1028% | 5,176 |
| Retained earnings to average equity (ytd only) | 4.1028% | 3,681 |
| Net charge-offs to loans | 1.8555% | 251 |
| Credit loss provision to net charge-offs | 22.0588% | 3,696 |
| Earnings coverage of net charge-offs (x) | 0.7206% | 4,281 |
| Efficiency ratio | 84.5426% | 1,572 |
| Assets per employee ($millions) | 2.8765% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,167 |
| Loan loss allowance to noncurrent loans | 296.6667% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 5,980 |
| Noncurrent loans to loans | 0.3932% | 5,290 |
| Net loans and leases to total assets | 43.6874% | 5,768 |
| Net loans and leases to deposits | 48.3985% | 5,957 |
| Net loans and leases to core deposits | 52.2704% | 5,867 |
| Total domestic deposits to total assets | 90.2659% | 879 |
| Equity capital to assets | 7.9784% | 6,214 |
| Core capital (leverage) ratio | 8.2038% | 6,004 |
| Tier 1 risk-based capital ratio | 15.3271% | 3,579 |
| Total risk-based capital ratio | 16.2771% | 3,725 |
| Memoranda: | ||
| Average total assets | $17,434,330 | 6,861 |
| Average earning assets | $15,876,330 | 6,846 |
| Average equity | $1,413,670 | 6,894 |
| Average total loans | $7,329,670 | 6,795 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 6,067 |
| Cost of funding earning assets | 0.1771% | 6,688 |
| Net interest margin | 3.1620% | 5,056 |
| Noninterest income to average assets | 0.7077% | 2,551 |
| Noninterest expense to average assets | 3.2416% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2739% | 5,647 |
| Return on assets (ROA) | 0.2739% | 5,770 |
| Pretax return on assets | 0.3196% | 5,813 |
| Return on Equity (ROE) | 3.3520% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.3520% | 4,239 |
| Net charge-offs to loans | 1.8384% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4242% | 3,670 |
| Efficiency ratio | 91.0256% | 1,062 |
| Assets per employee ($millions) | 2.9147% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,743 |
| Loan loss allowance to noncurrent loans | 351.6129% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 6,039 |
| Noncurrent loans to loans | 0.4321% | 5,340 |
| Net loans and leases to total assets | 40.4048% | 5,965 |
| Net loans and leases to deposits | 44.2122% | 6,188 |
| Net loans and leases to core deposits | 47.6531% | 6,111 |
| Total domestic deposits to total assets | 91.3884% | 385 |
| Equity capital to assets | 8.2113% | 6,239 |
| Core capital (leverage) ratio | 8.1365% | 6,007 |
| Tier 1 risk-based capital ratio | 16.4617% | 3,025 |
| Total risk-based capital ratio | 17.7262% | 2,972 |
| Memoranda: | ||
| Average total assets | $17,522,000 | 6,932 |
| Average earning assets | $15,813,000 | 6,921 |
| Average equity | $1,432,000 | 6,958 |
| Average total loans | $7,180,000 | 6,870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 5,553 |
| Cost of funding earning assets | 0.2490% | 6,677 |
| Net interest margin | 3.6589% | 3,834 |
| Noninterest income to average assets | 0.6140% | 3,207 |
| Noninterest expense to average assets | 3.6780% | 1,460 |
| Loan and lease loss provision to assets | 0.1128% | 4,229 |
| Net operating income to assets | 0.1692% | 5,843 |
| Return on assets (ROA) | 0.1692% | 6,017 |
| Pretax return on assets | 0.1378% | 6,088 |
| Return on Equity (ROE) | 1.9239% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.9239% | 4,865 |
| Net charge-offs to loans | 0.2204% | 3,627 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 4,312 |
| Efficiency ratio | 93.6204% | 817 |
| Assets per employee ($millions) | 2.9260% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 2,125 |
| Loan loss allowance to noncurrent loans | 705.0000% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 5,502 |
| Noncurrent loans to loans | 0.2784% | 5,787 |
| Net loans and leases to total assets | 40.1230% | 6,161 |
| Net loans and leases to deposits | 43.9015% | 6,376 |
| Net loans and leases to core deposits | 47.3006% | 6,310 |
| Total domestic deposits to total assets | 91.3933% | 369 |
| Equity capital to assets | 8.1340% | 6,336 |
| Core capital (leverage) ratio | 8.4698% | 5,660 |
| Tier 1 risk-based capital ratio | 15.2322% | 3,593 |
| Total risk-based capital ratio | 16.4556% | 3,553 |
| Memoranda: | ||
| Average total assets | $15,959,800 | 7,012 |
| Average earning assets | $14,458,000 | 7,003 |
| Average equity | $1,403,400 | 7,031 |
| Average total loans | $8,168,200 | 6,910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 5,576 |
| Cost of funding earning assets | 0.2627% | 6,759 |
| Net interest margin | 3.7154% | 3,726 |
| Noninterest income to average assets | 0.5998% | 3,274 |
| Noninterest expense to average assets | 3.8472% | 1,130 |
| Loan and lease loss provision to assets | 0.1542% | 3,595 |
| Net operating income to assets | -0.0085% | 6,294 |
| Return on assets (ROA) | -0.0085% | 6,417 |
| Pretax return on assets | -0.0085% | 6,401 |
| Return on Equity (ROE) | -0.0952% | 6,419 |
| Retained earnings to average equity (ytd only) | -0.0952% | 6,097 |
| Net charge-offs to loans | 0.2694% | 3,110 |
| Credit loss provision to net charge-offs | 105.8824% | 2,776 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,819 |
| Efficiency ratio | 96.3519% | 665 |
| Assets per employee ($millions) | 2.6775% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 3,164 |
| Loan loss allowance to noncurrent loans | 676.1905% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 5,584 |
| Noncurrent loans to loans | 0.2510% | 5,986 |
| Net loans and leases to total assets | 51.1920% | 5,157 |
| Net loans and leases to deposits | 56.4370% | 5,595 |
| Net loans and leases to core deposits | 61.2862% | 5,425 |
| Total domestic deposits to total assets | 90.7065% | 517 |
| Equity capital to assets | 8.8204% | 6,003 |
| Core capital (leverage) ratio | 8.6751% | 5,509 |
| Tier 1 risk-based capital ratio | 15.4683% | 3,561 |
| Total risk-based capital ratio | 16.7246% | 3,515 |
| Memoranda: | ||
| Average total assets | $15,560,750 | 7,111 |
| Average earning assets | $14,210,750 | 7,099 |
| Average equity | $1,397,250 | 7,129 |
| Average total loans | $8,414,000 | 6,997 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 5,861 |
| Cost of funding earning assets | 0.2852% | 6,785 |
| Net interest margin | 3.6367% | 4,098 |
| Noninterest income to average assets | 0.5327% | 3,705 |
| Noninterest expense to average assets | 3.8720% | 1,116 |
| Loan and lease loss provision to assets | 0.2339% | 2,730 |
| Net operating income to assets | -0.2599% | 6,587 |
| Return on assets (ROA) | -0.2599% | 6,648 |
| Pretax return on assets | -0.2599% | 6,619 |
| Return on Equity (ROE) | -2.8763% | 6,666 |
| Retained earnings to average equity (ytd only) | -2.8763% | 6,450 |
| Net charge-offs to loans | -0.0237% | 6,467 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6757% | 535 |
| Assets per employee ($millions) | 2.6077% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 3,016 |
| Loan loss allowance to noncurrent loans | 135.5932% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,251 |
| Noncurrent loans to loans | 1.2926% | 3,986 |
| Net loans and leases to total assets | 57.3246% | 4,276 |
| Net loans and leases to deposits | 63.5739% | 4,820 |
| Net loans and leases to core deposits | 66.1675% | 4,983 |
| Total domestic deposits to total assets | 90.1700% | 830 |
| Equity capital to assets | 8.8968% | 5,808 |
| Core capital (leverage) ratio | 8.5190% | 5,629 |
| Tier 1 risk-based capital ratio | 15.2391% | 3,608 |
| Total risk-based capital ratio | 16.4931% | 3,573 |
| Memoranda: | ||
| Average total assets | $15,392,670 | 7,175 |
| Average earning assets | $14,023,670 | 7,163 |
| Average equity | $1,390,670 | 7,185 |
| Average total loans | $8,430,000 | 7,057 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 6,163 |
| Cost of funding earning assets | 0.2598% | 6,979 |
| Net interest margin | 3.5799% | 4,350 |
| Noninterest income to average assets | 0.3930% | 4,722 |
| Noninterest expense to average assets | 3.8255% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1834% | 6,618 |
| Return on assets (ROA) | -0.1834% | 6,675 |
| Pretax return on assets | -0.1834% | 6,652 |
| Return on Equity (ROE) | -2.0144% | 6,689 |
| Retained earnings to average equity (ytd only) | -2.0144% | 6,280 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0360% | 432 |
| Assets per employee ($millions) | 2.3053% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,267 |
| Loan loss allowance to noncurrent loans | 587.5000% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 5,727 |
| Noncurrent loans to loans | 0.2929% | 6,090 |
| Net loans and leases to total assets | 49.9039% | 5,317 |
| Net loans and leases to deposits | 54.9918% | 5,707 |
| Net loans and leases to core deposits | 57.1459% | 5,802 |
| Total domestic deposits to total assets | 90.7480% | 660 |
| Equity capital to assets | 8.6385% | 5,945 |
| Core capital (leverage) ratio | 8.9838% | 4,864 |
| Tier 1 risk-based capital ratio | 13.0849% | 5,143 |
| Total risk-based capital ratio | 14.3334% | 5,106 |
| Memoranda: | ||
| Average total assets | $15,266,000 | 7,238 |
| Average earning assets | $13,855,000 | 7,223 |
| Average equity | $1,390,000 | 7,241 |
| Average total loans | $8,080,500 | 7,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 5,943 |
| Cost of funding earning assets | 0.4365% | 6,777 |
| Net interest margin | 3.8036% | 3,799 |
| Noninterest income to average assets | 0.8017% | 2,049 |
| Noninterest expense to average assets | 3.9111% | 1,166 |
| Loan and lease loss provision to assets | 0.0349% | 6,126 |
| Net operating income to assets | 0.2370% | 5,472 |
| Return on assets (ROA) | 0.2370% | 5,610 |
| Pretax return on assets | 0.2580% | 5,657 |
| Return on Equity (ROE) | 2.5081% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.5081% | 4,443 |
| Net charge-offs to loans | 0.0872% | 5,462 |
| Credit loss provision to net charge-offs | 71.4286% | 4,800 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,623 |
| Efficiency ratio | 93.0348% | 980 |
| Assets per employee ($millions) | 2.0564% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 2,966 |
| Loan loss allowance to noncurrent loans | 564.0000% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 5,492 |
| Noncurrent loans to loans | 0.3138% | 6,104 |
| Net loans and leases to total assets | 54.3661% | 4,985 |
| Net loans and leases to deposits | 60.3811% | 5,447 |
| Net loans and leases to core deposits | 63.0671% | 5,553 |
| Total domestic deposits to total assets | 90.0382% | 976 |
| Equity capital to assets | 9.6283% | 4,704 |
| Core capital (leverage) ratio | 9.4127% | 4,164 |
| Tier 1 risk-based capital ratio | 15.9059% | 3,089 |
| Total risk-based capital ratio | 17.1623% | 3,049 |
| Memoranda: | ||
| Average total assets | $14,343,800 | 7,293 |
| Average earning assets | $12,829,800 | 7,287 |
| Average equity | $1,355,600 | 7,304 |
| Average total loans | $8,028,600 | 7,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 6,031 |
| Cost of funding earning assets | 0.4698% | 6,817 |
| Net interest margin | 3.7997% | 3,883 |
| Noninterest income to average assets | 0.9024% | 1,638 |
| Noninterest expense to average assets | 4.1029% | 898 |
| Loan and lease loss provision to assets | 0.0465% | 5,859 |
| Net operating income to assets | 0.0930% | 5,976 |
| Return on assets (ROA) | 0.0930% | 6,094 |
| Pretax return on assets | 0.1396% | 6,027 |
| Return on Equity (ROE) | 0.9889% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.9889% | 5,612 |
| Net charge-offs to loans | 0.1160% | 4,859 |
| Credit loss provision to net charge-offs | 71.4286% | 4,431 |
| Earnings coverage of net charge-offs (x) | 2.8585% | 3,714 |
| Efficiency ratio | 95.6616% | 838 |
| Assets per employee ($millions) | 1.9903% | 7,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 3,273 |
| Loan loss allowance to noncurrent loans | 564.0000% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 5,601 |
| Noncurrent loans to loans | 0.3014% | 6,245 |
| Net loans and leases to total assets | 58.5343% | 4,412 |
| Net loans and leases to deposits | 65.2400% | 5,021 |
| Net loans and leases to core deposits | 68.2541% | 5,154 |
| Total domestic deposits to total assets | 89.7215% | 1,024 |
| Equity capital to assets | 9.8981% | 4,480 |
| Core capital (leverage) ratio | 9.2686% | 4,505 |
| Tier 1 risk-based capital ratio | 16.0721% | 3,078 |
| Total risk-based capital ratio | 17.3284% | 3,037 |
| Memoranda: | ||
| Average total assets | $14,331,000 | 7,371 |
| Average earning assets | $12,772,750 | 7,363 |
| Average equity | $1,348,000 | 7,380 |
| Average total loans | $8,044,000 | 7,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 6,272 |
| Cost of funding earning assets | 0.4807% | 6,913 |
| Net interest margin | 3.7218% | 4,170 |
| Noninterest income to average assets | 0.9126% | 1,608 |
| Noninterest expense to average assets | 3.8993% | 1,193 |
| Loan and lease loss provision to assets | 0.0691% | 5,442 |
| Net operating income to assets | 0.2212% | 5,664 |
| Return on assets (ROA) | 0.2212% | 5,781 |
| Pretax return on assets | 0.2627% | 5,772 |
| Return on Equity (ROE) | 2.3922% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.3922% | 4,768 |
| Net charge-offs to loans | 0.1759% | 4,114 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.4286% | 3,173 |
| Efficiency ratio | 92.1569% | 1,088 |
| Assets per employee ($millions) | 2.0893% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 3,033 |
| Loan loss allowance to noncurrent loans | 564.0000% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 5,764 |
| Noncurrent loans to loans | 0.3171% | 6,279 |
| Net loans and leases to total assets | 52.9504% | 5,446 |
| Net loans and leases to deposits | 58.6400% | 5,861 |
| Net loans and leases to core deposits | 61.1932% | 5,975 |
| Total domestic deposits to total assets | 90.2974% | 815 |
| Equity capital to assets | 9.3812% | 5,014 |
| Core capital (leverage) ratio | 9.3983% | 4,117 |
| Tier 1 risk-based capital ratio | 16.1489% | 2,903 |
| Total risk-based capital ratio | 17.4057% | 2,872 |
| Memoranda: | ||
| Average total assets | $14,464,000 | 7,444 |
| Average earning assets | $12,897,000 | 7,434 |
| Average equity | $1,337,670 | 7,454 |
| Average total loans | $7,960,000 | 7,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 6,259 |
| Cost of funding earning assets | 0.5265% | 6,875 |
| Net interest margin | 3.6854% | 4,178 |
| Noninterest income to average assets | 0.9177% | 1,595 |
| Noninterest expense to average assets | 3.7265% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4171% | 4,871 |
| Return on assets (ROA) | 0.4171% | 4,965 |
| Pretax return on assets | 0.5006% | 5,024 |
| Return on Equity (ROE) | 4.5437% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.5437% | 3,449 |
| Net charge-offs to loans | -0.2001% | 7,257 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1579% | 1,496 |
| Assets per employee ($millions) | 2.4703% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 2,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 6,194 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 53.4948% | 5,380 |
| Net loans and leases to deposits | 58.9517% | 5,836 |
| Net loans and leases to core deposits | 61.4699% | 5,975 |
| Total domestic deposits to total assets | 90.7435% | 745 |
| Equity capital to assets | 8.9799% | 5,228 |
| Core capital (leverage) ratio | 9.2058% | 4,279 |
| Tier 1 risk-based capital ratio | 15.4003% | 3,211 |
| Total risk-based capital ratio | 16.6554% | 3,165 |
| Memoranda: | ||
| Average total assets | $14,383,500 | 7,504 |
| Average earning assets | $12,916,000 | 7,487 |
| Average equity | $1,320,500 | 7,512 |
| Average total loans | $7,997,500 | 7,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 5,790 |
| Cost of funding earning assets | 0.8132% | 6,505 |
| Net interest margin | 3.8901% | 3,539 |
| Noninterest income to average assets | 1.5738% | 589 |
| Noninterest expense to average assets | 4.0356% | 1,112 |
| Loan and lease loss provision to assets | 0.0289% | 6,838 |
| Net operating income to assets | 0.6570% | 3,404 |
| Return on assets (ROA) | 0.6570% | 3,549 |
| Pretax return on assets | 0.8591% | 3,442 |
| Return on Equity (ROE) | 6.9850% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.9850% | 1,332 |
| Net charge-offs to loans | 0.0366% | 6,434 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 568 |
| Efficiency ratio | 81.9648% | 2,169 |
| Assets per employee ($millions) | 2.3242% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 2,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 6,198 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.7619% | 5,378 |
| Net loans and leases to deposits | 62.1632% | 5,834 |
| Net loans and leases to core deposits | 65.0222% | 5,977 |
| Total domestic deposits to total assets | 89.7024% | 1,267 |
| Equity capital to assets | 9.3940% | 4,553 |
| Core capital (leverage) ratio | 9.4156% | 3,821 |
| Tier 1 risk-based capital ratio | 16.8988% | 2,382 |
| Total risk-based capital ratio | 18.1533% | 2,351 |
| Memoranda: | ||
| Average total assets | $13,851,600 | 7,587 |
| Average earning assets | $11,927,600 | 7,584 |
| Average equity | $1,302,800 | 7,604 |
| Average total loans | $8,201,400 | 7,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 5,620 |
| Cost of funding earning assets | 0.8826% | 6,464 |
| Net interest margin | 3.9263% | 3,422 |
| Noninterest income to average assets | 1.7355% | 479 |
| Noninterest expense to average assets | 4.0014% | 1,039 |
| Loan and lease loss provision to assets | 0.0482% | 6,597 |
| Net operating income to assets | 0.6942% | 3,441 |
| Return on assets (ROA) | 0.6942% | 3,600 |
| Pretax return on assets | 1.0317% | 3,067 |
| Return on Equity (ROE) | 7.3789% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.3789% | 1,657 |
| Net charge-offs to loans | -0.0161% | 7,325 |
| Credit loss provision to net charge-offs | -500.0000% | 7,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7476% | 2,523 |
| Assets per employee ($millions) | 2.3440% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 2,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 6,269 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 55.2972% | 5,654 |
| Net loans and leases to deposits | 61.9434% | 6,120 |
| Net loans and leases to core deposits | 64.7813% | 6,233 |
| Total domestic deposits to total assets | 89.2705% | 1,243 |
| Equity capital to assets | 9.6345% | 4,647 |
| Core capital (leverage) ratio | 9.5020% | 3,898 |
| Tier 1 risk-based capital ratio | 13.3266% | 4,334 |
| Total risk-based capital ratio | 14.5710% | 4,303 |
| Memoranda: | ||
| Average total assets | $13,828,250 | 7,687 |
| Average earning assets | $11,783,750 | 7,685 |
| Average equity | $1,301,000 | 7,704 |
| Average total loans | $8,272,000 | 7,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 5,252 |
| Cost of funding earning assets | 0.9730% | 6,271 |
| Net interest margin | 3.9614% | 3,203 |
| Noninterest income to average assets | 0.9891% | 1,407 |
| Noninterest expense to average assets | 4.2328% | 779 |
| Loan and lease loss provision to assets | 0.0436% | 6,541 |
| Net operating income to assets | 0.0727% | 5,941 |
| Return on assets (ROA) | 0.0727% | 6,041 |
| Pretax return on assets | 0.0291% | 6,105 |
| Return on Equity (ROE) | 0.7794% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.7794% | 5,461 |
| Net charge-offs to loans | -0.0238% | 7,312 |
| Credit loss provision to net charge-offs | -300.0000% | 6,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3108% | 869 |
| Assets per employee ($millions) | 2.2745% | 7,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 2,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 4,862 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.1123% | 4,856 |
| Net loans and leases to deposits | 67.9707% | 5,566 |
| Net loans and leases to core deposits | 71.1543% | 5,756 |
| Total domestic deposits to total assets | 89.9099% | 962 |
| Equity capital to assets | 9.3940% | 4,869 |
| Core capital (leverage) ratio | 9.1756% | 4,334 |
| Tier 1 risk-based capital ratio | 13.0746% | 4,379 |
| Total risk-based capital ratio | 14.3302% | 4,328 |
| Memoranda: | ||
| Average total assets | $13,749,670 | 7,755 |
| Average earning assets | $11,511,000 | 7,754 |
| Average equity | $1,283,000 | 7,772 |
| Average total loans | $8,387,670 | 7,610 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 5,181 |
| Cost of funding earning assets | 0.9857% | 6,439 |
| Net interest margin | 3.9778% | 2,965 |
| Noninterest income to average assets | 0.8985% | 1,629 |
| Noninterest expense to average assets | 3.9128% | 1,154 |
| Loan and lease loss provision to assets | 0.0290% | 6,389 |
| Net operating income to assets | 0.3188% | 5,212 |
| Return on assets (ROA) | 0.3188% | 5,345 |
| Pretax return on assets | 0.2319% | 5,791 |
| Return on Equity (ROE) | 3.4281% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.4281% | 4,100 |
| Net charge-offs to loans | -0.0480% | 7,338 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 1,149 |
| Assets per employee ($millions) | 2.3360% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 2,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 4,942 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 58.1478% | 5,406 |
| Net loans and leases to deposits | 66.1043% | 5,811 |
| Net loans and leases to core deposits | 69.1792% | 5,984 |
| Total domestic deposits to total assets | 87.9638% | 2,084 |
| Equity capital to assets | 9.1824% | 5,012 |
| Core capital (leverage) ratio | 9.1145% | 4,350 |
| Tier 1 risk-based capital ratio | 13.4753% | 3,999 |
| Total risk-based capital ratio | 14.7312% | 3,963 |
| Memoranda: | ||
| Average total assets | $13,801,000 | 7,858 |
| Average earning assets | $11,363,000 | 7,859 |
| Average equity | $1,283,500 | 7,857 |
| Average total loans | $8,338,500 | 7,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 4,567 |
| Cost of funding earning assets | 1.2441% | 6,492 |
| Net interest margin | 4.1805% | 2,132 |
| Noninterest income to average assets | 1.0302% | 1,469 |
| Noninterest expense to average assets | 4.0769% | 1,264 |
| Loan and lease loss provision to assets | 1.9362% | 1,143 |
| Net operating income to assets | -1.1544% | 6,685 |
| Return on assets (ROA) | -1.1544% | 6,688 |
| Pretax return on assets | -1.6439% | 6,781 |
| Return on Equity (ROE) | -11.4592% | 6,729 |
| Retained earnings to average equity (ytd only) | -13.1274% | 6,766 |
| Net charge-offs to loans | 2.3872% | 958 |
| Credit loss provision to net charge-offs | 131.8408% | 3,822 |
| Earnings coverage of net charge-offs (x) | 0.1990% | 5,941 |
| Efficiency ratio | 93.3110% | 1,456 |
| Assets per employee ($millions) | 2.2643% | 7,513 |
| Cash dividends to net income (ytd only)* | -14.5570% | 7,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 2,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 4,814 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 60.6580% | 5,245 |
| Net loans and leases to deposits | 69.2521% | 5,692 |
| Net loans and leases to core deposits | 82.8241% | 5,838 |
| Total domestic deposits to total assets | 87.5902% | 2,178 |
| Equity capital to assets | 9.4215% | 4,523 |
| Core capital (leverage) ratio | 9.0758% | 4,293 |
| Tier 1 risk-based capital ratio | 14.6746% | 3,115 |
| Total risk-based capital ratio | 15.9248% | 3,074 |
| Memoranda: | ||
| Average total assets | $13,686,800 | 7,923 |
| Average earning assets | $10,931,600 | 7,932 |
| Average equity | $1,378,800 | 7,944 |
| Average total loans | $8,419,800 | 7,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4735% | 4,562 |
| Cost of funding earning assets | 1.3014% | 6,557 |
| Net interest margin | 4.1720% | 2,150 |
| Noninterest income to average assets | 1.0210% | 1,529 |
| Noninterest expense to average assets | 3.9673% | 1,322 |
| Loan and lease loss provision to assets | 2.0711% | 856 |
| Net operating income to assets | -1.1571% | 6,934 |
| Return on assets (ROA) | -1.1571% | 6,939 |
| Pretax return on assets | -1.6822% | 7,041 |
| Return on Equity (ROE) | -11.3046% | 6,975 |
| Retained earnings to average equity (ytd only) | -13.4898% | 7,042 |
| Net charge-offs to loans | 3.1636% | 511 |
| Credit loss provision to net charge-offs | 106.5000% | 4,775 |
| Earnings coverage of net charge-offs (x) | 0.2000% | 5,824 |
| Efficiency ratio | 91.0714% | 1,604 |
| Assets per employee ($millions) | 2.7960% | 6,653 |
| Cash dividends to net income (ytd only)* | -19.3306% | 7,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 4,860 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.6037% | 5,952 |
| Net loans and leases to deposits | 65.7495% | 6,332 |
| Net loans and leases to core deposits | 76.6806% | 6,575 |
| Total domestic deposits to total assets | 87.6109% | 1,842 |
| Equity capital to assets | 9.5136% | 4,733 |
| Core capital (leverage) ratio | 9.7390% | 3,587 |
| Tier 1 risk-based capital ratio | 15.2983% | 2,916 |
| Total risk-based capital ratio | 16.3615% | 2,931 |
| Memoranda: | ||
| Average total assets | $13,712,000 | 8,003 |
| Average earning assets | $10,961,750 | 8,008 |
| Average equity | $1,403,500 | 8,025 |
| Average total loans | $8,429,000 | 7,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 4,652 |
| Cost of funding earning assets | 1.3652% | 6,601 |
| Net interest margin | 4.1316% | 2,220 |
| Noninterest income to average assets | 0.8956% | 2,006 |
| Noninterest expense to average assets | 3.8172% | 1,625 |
| Loan and lease loss provision to assets | 2.6427% | 582 |
| Net operating income to assets | -2.1875% | 7,474 |
| Return on assets (ROA) | -2.1875% | 7,473 |
| Pretax return on assets | -2.1875% | 7,342 |
| Return on Equity (ROE) | -20.8683% | 7,524 |
| Retained earnings to average equity (ytd only) | -20.8683% | 7,478 |
| Net charge-offs to loans | 4.8801% | 254 |
| Credit loss provision to net charge-offs | 86.5385% | 5,014 |
| Earnings coverage of net charge-offs (x) | 0.1490% | 5,522 |
| Efficiency ratio | 89.3471% | 1,875 |
| Assets per employee ($millions) | 2.2048% | 7,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 7,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 4,602 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.9268% | 5,531 |
| Net loans and leases to deposits | 70.3193% | 5,953 |
| Net loans and leases to core deposits | 85.5445% | 5,960 |
| Total domestic deposits to total assets | 86.6430% | 2,437 |
| Equity capital to assets | 9.9932% | 3,947 |
| Core capital (leverage) ratio | 9.6937% | 3,639 |
| Tier 1 risk-based capital ratio | 15.6425% | 2,750 |
| Total risk-based capital ratio | 16.2497% | 2,961 |
| Memoranda: | ||
| Average total assets | $13,622,670 | 8,094 |
| Average earning assets | $11,133,670 | 8,096 |
| Average equity | $1,428,000 | 8,107 |
| Average total loans | $8,524,330 | 7,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 4,998 |
| Cost of funding earning assets | 1.4139% | 6,687 |
| Net interest margin | 4.0691% | 2,409 |
| Noninterest income to average assets | 0.8973% | 1,860 |
| Noninterest expense to average assets | 3.7049% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4921% | 4,456 |
| Return on assets (ROA) | 0.4921% | 4,643 |
| Pretax return on assets | 0.6078% | 4,733 |
| Return on Equity (ROE) | 4.5915% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.5915% | 3,374 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9060% | 2,077 |
| Assets per employee ($millions) | 2.8334% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 6,666 |
| Loan loss allowance to noncurrent loans | 26.0000% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 2.5764% | 2,225 |
| Noncurrent loans to loans | 3.5282% | 1,798 |
| Net loans and leases to total assets | 59.4692% | 5,743 |
| Net loans and leases to deposits | 68.6802% | 6,112 |
| Net loans and leases to core deposits | 82.3800% | 6,202 |
| Total domestic deposits to total assets | 86.5886% | 2,409 |
| Equity capital to assets | 10.5033% | 3,459 |
| Core capital (leverage) ratio | 10.5195% | 2,900 |
| Tier 1 risk-based capital ratio | 16.7319% | 2,433 |
| Total risk-based capital ratio | 17.6295% | 2,505 |
| Memoranda: | ||
| Average total assets | $13,819,500 | 8,146 |
| Average earning assets | $11,599,500 | 8,139 |
| Average equity | $1,481,000 | 8,154 |
| Average total loans | $8,731,500 | 7,964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6708% | 2,151 |
| Cost of funding earning assets | 2.0681% | 6,170 |
| Net interest margin | 4.6027% | 1,170 |
| Noninterest income to average assets | 0.9135% | 1,910 |
| Noninterest expense to average assets | 3.7418% | 1,872 |
| Loan and lease loss provision to assets | 0.2046% | 4,843 |
| Net operating income to assets | 0.6139% | 4,245 |
| Return on assets (ROA) | 0.6139% | 4,106 |
| Pretax return on assets | 0.7893% | 4,112 |
| Return on Equity (ROE) | 5.9448% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.9448% | 1,557 |
| Net charge-offs to loans | 0.1818% | 4,374 |
| Credit loss provision to net charge-offs | 175.0000% | 2,906 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,870 |
| Efficiency ratio | 79.0123% | 2,749 |
| Assets per employee ($millions) | 2.6944% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 6,805 |
| Loan loss allowance to noncurrent loans | 26.0870% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 1,754 |
| Noncurrent loans to loans | 3.3371% | 1,553 |
| Net loans and leases to total assets | 65.9293% | 4,860 |
| Net loans and leases to deposits | 76.6615% | 5,511 |
| Net loans and leases to core deposits | 90.5495% | 5,753 |
| Total domestic deposits to total assets | 86.0006% | 2,398 |
| Equity capital to assets | 10.9412% | 3,089 |
| Core capital (leverage) ratio | 10.4661% | 3,003 |
| Tier 1 risk-based capital ratio | 16.2355% | 2,571 |
| Total risk-based capital ratio | 17.1167% | 2,659 |
| Memoranda: | ||
| Average total assets | $13,683,400 | 8,193 |
| Average earning assets | $11,363,000 | 8,197 |
| Average equity | $1,413,000 | 8,230 |
| Average total loans | $8,800,600 | 7,996 |