Home > Local Bank > Performance and Condition Ratios
Local Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8433% | 403 |
| Cost of funding earning assets | 2.7384% | 554 |
| Net interest margin | 4.1049% | 1,099 |
| Noninterest income to average assets | 7.7700% | 108 |
| Noninterest expense to average assets | 12.5327% | 97 |
| Loan and lease loss provision to assets | 0.2500% | 446 |
| Net operating income to assets | -0.8777% | 4,365 |
| Return on assets (ROA) | -0.8777% | 4,396 |
| Pretax return on assets | -1.2160% | 4,404 |
| Return on Equity (ROE) | -4.7900% | 4,327 |
| Retained earnings to average equity (ytd only) | -4.7922% | 4,069 |
| Net charge-offs to loans | -0.0189% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 108.3051% | 189 |
| Assets per employee ($millions) | 1.6020% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 3,651 |
| Loan loss allowance to noncurrent loans | 714.8148% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,041 |
| Noncurrent loans to loans | 0.1230% | 3,058 |
| Net loans and leases to total assets | 76.8500% | 972 |
| Net loans and leases to deposits | 101.1973% | 367 |
| Net loans and leases to core deposits | 110.1602% | 848 |
| Total domestic deposits to total assets | 75.9400% | 3,984 |
| Equity capital to assets | 17.4850% | 377 |
| Core capital (leverage) ratio | 17.2564% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $81,578,500 | 3,929 |
| Average earning assets | $75,519,000 | 3,920 |
| Average equity | $14,941,000 | 3,380 |
| Average total loans | $63,385,500 | 3,663 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1826% | 320 |
| Cost of funding earning assets | 2.7015% | 839 |
| Net interest margin | 4.4811% | 669 |
| Noninterest income to average assets | 5.0600% | 145 |
| Noninterest expense to average assets | 11.1603% | 107 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | -1.7026% | 4,425 |
| Return on assets (ROA) | -1.7026% | 4,460 |
| Pretax return on assets | -2.1693% | 4,470 |
| Return on Equity (ROE) | -6.8100% | 4,383 |
| Retained earnings to average equity (ytd only) | -6.8110% | 4,343 |
| Net charge-offs to loans | -0.0512% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 121.3049% | 126 |
| Assets per employee ($millions) | 1.4491% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 3,738 |
| Loan loss allowance to noncurrent loans | 65.0932% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 639 |
| Noncurrent loans to loans | 1.3209% | 751 |
| Net loans and leases to total assets | 77.2100% | 994 |
| Net loans and leases to deposits | 102.7971% | 360 |
| Net loans and leases to core deposits | 115.3827% | 749 |
| Total domestic deposits to total assets | 75.1100% | 4,004 |
| Equity capital to assets | 19.2153% | 296 |
| Core capital (leverage) ratio | 19.7876% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $62,140,000 | 4,117 |
| Average earning assets | $57,374,600 | 4,095 |
| Average equity | $15,533,800 | 3,289 |
| Average total loans | $44,936,200 | 3,891 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1928% | 320 |
| Cost of funding earning assets | 2.6445% | 918 |
| Net interest margin | 4.5483% | 606 |
| Noninterest income to average assets | 4.1100% | 151 |
| Noninterest expense to average assets | 10.6067% | 105 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | -1.7024% | 4,464 |
| Return on assets (ROA) | -1.7024% | 4,496 |
| Pretax return on assets | -2.5031% | 4,505 |
| Return on Equity (ROE) | -6.3200% | 4,409 |
| Retained earnings to average equity (ytd only) | -6.3181% | 4,367 |
| Net charge-offs to loans | -0.0554% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 127.6367% | 110 |
| Assets per employee ($millions) | 1.4410% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 2,982 |
| Loan loss allowance to noncurrent loans | 391.8033% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,009 |
| Noncurrent loans to loans | 0.2689% | 2,483 |
| Net loans and leases to total assets | 72.4400% | 1,551 |
| Net loans and leases to deposits | 97.2970% | 632 |
| Net loans and leases to core deposits | 105.4057% | 1,165 |
| Total domestic deposits to total assets | 74.4500% | 4,038 |
| Equity capital to assets | 24.8418% | 190 |
| Core capital (leverage) ratio | 23.4659% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $58,112,500 | 4,174 |
| Average earning assets | $53,645,000 | 4,160 |
| Average equity | $15,658,250 | 3,284 |
| Average total loans | $40,934,500 | 3,963 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1201% | 326 |
| Cost of funding earning assets | 2.6134% | 907 |
| Net interest margin | 4.5068% | 617 |
| Noninterest income to average assets | 3.9500% | 159 |
| Noninterest expense to average assets | 10.4208% | 110 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | -1.6295% | 4,475 |
| Return on assets (ROA) | -1.6295% | 4,509 |
| Pretax return on assets | -2.5058% | 4,526 |
| Return on Equity (ROE) | -5.8800% | 4,425 |
| Retained earnings to average equity (ytd only) | -5.8806% | 4,340 |
| Net charge-offs to loans | -0.0558% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 128.5156% | 112 |
| Assets per employee ($millions) | 1.8307% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,103 |
| Loan loss allowance to noncurrent loans | 280.1282% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 2,140 |
| Noncurrent loans to loans | 0.3688% | 2,085 |
| Net loans and leases to total assets | 69.3000% | 1,988 |
| Net loans and leases to deposits | 93.9622% | 947 |
| Net loans and leases to core deposits | 102.2820% | 1,349 |
| Total domestic deposits to total assets | 73.7500% | 4,086 |
| Equity capital to assets | 25.8061% | 180 |
| Core capital (leverage) ratio | 25.2457% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $56,828,667 | 4,207 |
| Average earning assets | $52,499,000 | 4,191 |
| Average equity | $15,746,667 | 3,254 |
| Average total loans | $39,457,667 | 4,001 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8690% | 393 |
| Cost of funding earning assets | 2.3656% | 1,227 |
| Net interest margin | 4.5033% | 584 |
| Noninterest income to average assets | 4.3500% | 142 |
| Noninterest expense to average assets | 10.6183% | 109 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | -1.5626% | 4,543 |
| Return on assets (ROA) | -1.5626% | 4,536 |
| Pretax return on assets | -2.3984% | 4,554 |
| Return on Equity (ROE) | -5.4300% | 4,429 |
| Retained earnings to average equity (ytd only) | -5.4344% | 4,155 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 124.7652% | 102 |
| Assets per employee ($millions) | 1.9295% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,236 |
| Loan loss allowance to noncurrent loans | 168.4426% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 1,470 |
| Noncurrent loans to loans | 0.6005% | 1,454 |
| Net loans and leases to total assets | 69.4800% | 1,862 |
| Net loans and leases to deposits | 96.3492% | 693 |
| Net loans and leases to core deposits | 112.8539% | 845 |
| Total domestic deposits to total assets | 72.1200% | 4,222 |
| Equity capital to assets | 27.1366% | 170 |
| Core capital (leverage) ratio | 28.6492% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $55,037,000 | 4,246 |
| Average earning assets | $50,895,500 | 4,237 |
| Average equity | $15,825,000 | 3,261 |
| Average total loans | $38,036,500 | 4,026 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3425% | 410 |
| Cost of funding earning assets | 0.9777% | 3,351 |
| Net interest margin | 5.3648% | 218 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 8.4222% | 129 |
| Loan and lease loss provision to assets | 0.5900% | 138 |
| Net operating income to assets | -2.7452% | 4,580 |
| Return on assets (ROA) | -2.7997% | 4,577 |
| Pretax return on assets | -3.7304% | 4,581 |
| Return on Equity (ROE) | -6.6800% | 4,481 |
| Retained earnings to average equity (ytd only) | -6.6833% | 4,423 |
| Net charge-offs to loans | -0.0087% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 157.3066% | 37 |
| Assets per employee ($millions) | 2.1745% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,082 |
| Loan loss allowance to noncurrent loans | 146.0630% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 1,154 |
| Noncurrent loans to loans | 0.7167% | 1,089 |
| Net loans and leases to total assets | 67.2000% | 2,127 |
| Net loans and leases to deposits | 97.6690% | 668 |
| Net loans and leases to core deposits | 110.2134% | 958 |
| Total domestic deposits to total assets | 68.8000% | 4,326 |
| Equity capital to assets | 30.5467% | 155 |
| Core capital (leverage) ratio | 33.1072% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $39,111,000 | 4,399 |
| Average earning assets | $35,490,600 | 4,380 |
| Average equity | $16,384,000 | 3,151 |
| Average total loans | $22,953,600 | 4,252 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1528% | 441 |
| Cost of funding earning assets | 0.5406% | 4,075 |
| Net interest margin | 5.6122% | 162 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 8.6267% | 128 |
| Loan and lease loss provision to assets | 0.6000% | 124 |
| Net operating income to assets | -3.2051% | 4,608 |
| Return on assets (ROA) | -3.2885% | 4,607 |
| Pretax return on assets | -3.9841% | 4,610 |
| Return on Equity (ROE) | -7.1500% | 4,520 |
| Retained earnings to average equity (ytd only) | -7.1456% | 4,469 |
| Net charge-offs to loans | 0.0471% | 1,215 |
| Credit loss provision to net charge-offs | 2,314.2857% | 209 |
| Earnings coverage of net charge-offs (x) | -126.0000% | 4,628 |
| Efficiency ratio | 161.3779% | 32 |
| Assets per employee ($millions) | 2.4234% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,523 |
| Loan loss allowance to noncurrent loans | 139.0476% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 1,200 |
| Noncurrent loans to loans | 0.8402% | 983 |
| Net loans and leases to total assets | 56.6300% | 3,144 |
| Net loans and leases to deposits | 90.4235% | 1,201 |
| Net loans and leases to core deposits | 101.8556% | 1,221 |
| Total domestic deposits to total assets | 62.6200% | 4,440 |
| Equity capital to assets | 36.8598% | 146 |
| Core capital (leverage) ratio | 40.9024% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $35,841,500 | 4,443 |
| Average earning assets | $32,309,500 | 4,421 |
| Average equity | $16,494,500 | 3,121 |
| Average total loans | $19,831,500 | 4,310 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0209% | 433 |
| Cost of funding earning assets | 0.2414% | 4,387 |
| Net interest margin | 5.7795% | 128 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 9.6728% | 108 |
| Loan and lease loss provision to assets | 0.5200% | 138 |
| Net operating income to assets | -3.7897% | 4,639 |
| Return on assets (ROA) | -3.7897% | 4,639 |
| Pretax return on assets | -4.8544% | 4,642 |
| Return on Equity (ROE) | -7.5800% | 4,564 |
| Retained earnings to average equity (ytd only) | -7.5753% | 4,479 |
| Net charge-offs to loans | -0.0221% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 181.2852% | 26 |
| Assets per employee ($millions) | 1.9984% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,375 |
| Loan loss allowance to noncurrent loans | 168.6567% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 1,429 |
| Noncurrent loans to loans | 0.6003% | 1,238 |
| Net loans and leases to total assets | 61.4300% | 2,630 |
| Net loans and leases to deposits | 113.7548% | 153 |
| Net loans and leases to core deposits | 115.5391% | 637 |
| Total domestic deposits to total assets | 54.0000% | 4,512 |
| Equity capital to assets | 45.5604% | 134 |
| Core capital (leverage) ratio | 48.3636% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $33,248,000 | 4,493 |
| Average earning assets | $29,829,667 | 4,471 |
| Average equity | $16,633,000 | 3,133 |
| Average total loans | $18,111,000 | 4,361 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0092% | 311 |
| Cost of funding earning assets | 0.0838% | 4,556 |
| Net interest margin | 5.9253% | 104 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 8.8566% | 122 |
| Loan and lease loss provision to assets | 0.6500% | 108 |
| Net operating income to assets | -3.9265% | 4,664 |
| Return on assets (ROA) | -3.9265% | 4,662 |
| Pretax return on assets | -3.9265% | 4,658 |
| Return on Equity (ROE) | -7.4700% | 4,579 |
| Retained earnings to average equity (ytd only) | -7.4724% | 4,413 |
| Net charge-offs to loans | -0.0250% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 158.6517% | 35 |
| Assets per employee ($millions) | 2.1411% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,347 |
| Loan loss allowance to noncurrent loans | 118.0124% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 1,033 |
| Noncurrent loans to loans | 0.8798% | 859 |
| Net loans and leases to total assets | 56.3800% | 3,017 |
| Net loans and leases to deposits | 117.0134% | 109 |
| Net loans and leases to core deposits | 117.0134% | 512 |
| Total domestic deposits to total assets | 48.1900% | 4,581 |
| Equity capital to assets | 51.7452% | 84 |
| Core capital (leverage) ratio | 50.2042% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $31,886,000 | 4,562 |
| Average earning assets | $28,623,000 | 4,542 |
| Average equity | $16,755,000 | 3,151 |
| Average total loans | $16,004,500 | 4,444 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 2,561 |
| Cost of funding earning assets | 0.0733% | 4,499 |
| Net interest margin | 3.6142% | 1,606 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 5.0847% | 209 |
| Loan and lease loss provision to assets | 0.5200% | 114 |
| Net operating income to assets | -1.8316% | 4,687 |
| Return on assets (ROA) | -1.8316% | 4,686 |
| Pretax return on assets | -2.1550% | 4,687 |
| Return on Equity (ROE) | -4.4300% | 4,619 |
| Retained earnings to average equity (ytd only) | -4.4334% | 4,559 |
| Net charge-offs to loans | 1.4236% | 50 |
| Credit loss provision to net charge-offs | 133.0097% | 1,391 |
| Earnings coverage of net charge-offs (x) | -4.2330% | 4,687 |
| Efficiency ratio | 147.5983% | 39 |
| Assets per employee ($millions) | 3.1655% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,396 |
| Loan loss allowance to noncurrent loans | 77.4011% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 900 |
| Noncurrent loans to loans | 1.2910% | 532 |
| Net loans and leases to total assets | 42.8800% | 3,934 |
| Net loans and leases to deposits | 91.9455% | 917 |
| Net loans and leases to core deposits | 91.9455% | 1,394 |
| Total domestic deposits to total assets | 46.6300% | 4,614 |
| Equity capital to assets | 53.3597% | 81 |
| Core capital (leverage) ratio | 50.8400% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,589,400 | 4,632 |
| Average earning assets | $24,570,000 | 4,605 |
| Average equity | $10,984,800 | 3,760 |
| Average total loans | $7,235,000 | 4,596 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8076% | 4,186 |
| Cost of funding earning assets | 0.0791% | 4,427 |
| Net interest margin | 2.7285% | 3,873 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 4.5386% | 247 |
| Loan and lease loss provision to assets | 0.5200% | 98 |
| Net operating income to assets | -2.0271% | 4,734 |
| Return on assets (ROA) | -2.0271% | 4,730 |
| Pretax return on assets | -2.4009% | 4,733 |
| Return on Equity (ROE) | -5.4000% | 4,668 |
| Retained earnings to average equity (ytd only) | -5.3987% | 4,610 |
| Net charge-offs to loans | 0.4036% | 154 |
| Credit loss provision to net charge-offs | 588.2353% | 560 |
| Earnings coverage of net charge-offs (x) | -21.0000% | 4,745 |
| Efficiency ratio | 170.6931% | 31 |
| Assets per employee ($millions) | 3.6054% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 2,964 |
| Loan loss allowance to noncurrent loans | 28.5714% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 408 |
| Noncurrent loans to loans | 3.8880% | 101 |
| Net loans and leases to total assets | 27.4300% | 4,472 |
| Net loans and leases to deposits | 57.7152% | 3,362 |
| Net loans and leases to core deposits | 57.7152% | 3,522 |
| Total domestic deposits to total assets | 47.5300% | 4,659 |
| Equity capital to assets | 52.2666% | 81 |
| Core capital (leverage) ratio | 49.5217% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $25,323,000 | 4,678 |
| Average earning assets | $23,602,000 | 4,645 |
| Average equity | $9,508,250 | 3,980 |
| Average total loans | $5,616,250 | 4,651 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2297% | 4,552 |
| Cost of funding earning assets | 0.0829% | 4,347 |
| Net interest margin | 2.1467% | 4,489 |
| Noninterest income to average assets | 0.1569% | 4,235 |
| Noninterest expense to average assets | 4.1050% | 267 |
| Loan and lease loss provision to assets | 0.4358% | 125 |
| Net operating income to assets | -2.5362% | 4,740 |
| Return on assets (ROA) | -2.5362% | 4,737 |
| Pretax return on assets | -2.3532% | 4,732 |
| Return on Equity (ROE) | -8.2855% | 4,713 |
| Retained earnings to average equity (ytd only) | -8.2855% | 4,632 |
| Net charge-offs to loans | 0.7576% | 84 |
| Credit loss provision to net charge-offs | 294.1176% | 805 |
| Earnings coverage of net charge-offs (x) | -12.9412% | 2,135 |
| Efficiency ratio | 187.6494% | 24 |
| Assets per employee ($millions) | 4.2103% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,718 |
| Loan loss allowance to noncurrent loans | 14.7929% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 463 |
| Noncurrent loans to loans | 8.0611% | 22 |
| Net loans and leases to total assets | 12.3003% | 4,697 |
| Net loans and leases to deposits | 25.2099% | 4,628 |
| Net loans and leases to core deposits | 25.2099% | 4,631 |
| Total domestic deposits to total assets | 48.7916% | 4,724 |
| Equity capital to assets | 51.1579% | 40 |
| Core capital (leverage) ratio | 86.1509% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,947,667 | 4,728 |
| Average earning assets | $21,707,333 | 4,710 |
| Average equity | $7,024,333 | 4,317 |
| Average total loans | $4,487,667 | 4,724 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6717% | 3,996 |
| Cost of funding earning assets | 0.0963% | 4,180 |
| Net interest margin | 2.5754% | 3,720 |
| Noninterest income to average assets | 0.2048% | 3,932 |
| Noninterest expense to average assets | 2.5710% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0228% | 4,533 |
| Return on assets (ROA) | 0.0228% | 4,514 |
| Pretax return on assets | 0.0683% | 4,475 |
| Return on Equity (ROE) | 0.2082% | 4,512 |
| Retained earnings to average equity (ytd only) | 0.2082% | 3,979 |
| Net charge-offs to loans | 1.6397% | 47 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.1579% | 1,778 |
| Efficiency ratio | 97.4138% | 291 |
| Assets per employee ($millions) | 3.5088% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 4,002 |
| Loan loss allowance to noncurrent loans | 11.6809% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.0007% | 143 |
| Noncurrent loans to loans | 7.8278% | 26 |
| Net loans and leases to total assets | 25.3249% | 4,583 |
| Net loans and leases to deposits | 28.4297% | 4,588 |
| Net loans and leases to core deposits | 28.4297% | 4,607 |
| Total domestic deposits to total assets | 89.0789% | 2,045 |
| Equity capital to assets | 10.9154% | 1,376 |
| Core capital (leverage) ratio | 11.0611% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,580,500 | 4,775 |
| Average earning assets | $16,618,500 | 4,757 |
| Average equity | $1,921,000 | 4,773 |
| Average total loans | $4,635,000 | 4,752 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 2,851 |
| Cost of funding earning assets | 0.1191% | 4,231 |
| Net interest margin | 3.3111% | 2,285 |
| Noninterest income to average assets | 0.3364% | 3,403 |
| Noninterest expense to average assets | 2.9519% | 1,061 |
| Loan and lease loss provision to assets | 0.0580% | 1,900 |
| Net operating income to assets | 0.3016% | 4,420 |
| Return on assets (ROA) | 0.3016% | 4,443 |
| Pretax return on assets | 0.3886% | 4,405 |
| Return on Equity (ROE) | 2.7097% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.7097% | 3,755 |
| Net charge-offs to loans | 0.3941% | 214 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 3.8500% | 2,520 |
| Efficiency ratio | 86.8601% | 429 |
| Assets per employee ($millions) | 3.5234% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,608 |
| Loan loss allowance to noncurrent loans | 16.0858% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 144 |
| Noncurrent loans to loans | 7.7936% | 25 |
| Net loans and leases to total assets | 26.8264% | 4,601 |
| Net loans and leases to deposits | 30.1518% | 4,619 |
| Net loans and leases to core deposits | 30.1518% | 4,640 |
| Total domestic deposits to total assets | 88.9709% | 1,531 |
| Equity capital to assets | 10.9383% | 1,828 |
| Core capital (leverage) ratio | 11.0095% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,243,200 | 4,817 |
| Average earning assets | $15,946,600 | 4,803 |
| Average equity | $1,919,000 | 4,819 |
| Average total loans | $5,074,800 | 4,788 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 2,482 |
| Cost of funding earning assets | 0.1271% | 4,288 |
| Net interest margin | 3.4983% | 1,866 |
| Noninterest income to average assets | 0.2255% | 4,055 |
| Noninterest expense to average assets | 2.9543% | 1,042 |
| Loan and lease loss provision to assets | 0.0233% | 2,526 |
| Net operating income to assets | 0.3421% | 4,450 |
| Return on assets (ROA) | 0.3421% | 4,483 |
| Pretax return on assets | 0.4587% | 4,422 |
| Return on Equity (ROE) | 3.0603% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.0603% | 3,890 |
| Net charge-offs to loans | 0.0518% | 1,144 |
| Credit loss provision to net charge-offs | 150.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,505 |
| Efficiency ratio | 85.9729% | 433 |
| Assets per employee ($millions) | 3.4168% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,950 |
| Loan loss allowance to noncurrent loans | 29.0984% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 359 |
| Noncurrent loans to loans | 4.8742% | 81 |
| Net loans and leases to total assets | 28.8867% | 4,618 |
| Net loans and leases to deposits | 32.6800% | 4,662 |
| Net loans and leases to core deposits | 32.6800% | 4,683 |
| Total domestic deposits to total assets | 88.3926% | 1,623 |
| Equity capital to assets | 11.3615% | 1,769 |
| Core capital (leverage) ratio | 11.1886% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,149,750 | 4,892 |
| Average earning assets | $15,740,750 | 4,879 |
| Average equity | $1,917,000 | 4,892 |
| Average total loans | $5,147,000 | 4,859 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 2,261 |
| Cost of funding earning assets | 0.1290% | 4,360 |
| Net interest margin | 3.5983% | 1,598 |
| Noninterest income to average assets | 0.2213% | 4,082 |
| Noninterest expense to average assets | 3.1331% | 802 |
| Loan and lease loss provision to assets | 0.0349% | 2,289 |
| Net operating income to assets | 0.2213% | 4,613 |
| Return on assets (ROA) | 0.2213% | 4,627 |
| Pretax return on assets | 0.3028% | 4,586 |
| Return on Equity (ROE) | 1.9906% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.9906% | 4,114 |
| Net charge-offs to loans | 0.0770% | 889 |
| Credit loss provision to net charge-offs | 150.0000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,659 |
| Efficiency ratio | 90.2685% | 338 |
| Assets per employee ($millions) | 2.8850% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 2,053 |
| Loan loss allowance to noncurrent loans | 24.3151% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6869% | 305 |
| Noncurrent loans to loans | 5.6820% | 64 |
| Net loans and leases to total assets | 29.2779% | 4,672 |
| Net loans and leases to deposits | 32.9776% | 4,708 |
| Net loans and leases to core deposits | 32.9776% | 4,730 |
| Total domestic deposits to total assets | 88.7811% | 1,397 |
| Equity capital to assets | 11.0630% | 1,938 |
| Core capital (leverage) ratio | 11.0133% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,171,667 | 4,928 |
| Average earning assets | $15,507,333 | 4,916 |
| Average equity | $1,909,000 | 4,927 |
| Average total loans | $5,194,000 | 4,899 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 1,919 |
| Cost of funding earning assets | 0.1052% | 4,624 |
| Net interest margin | 3.7604% | 1,214 |
| Noninterest income to average assets | 0.1637% | 4,380 |
| Noninterest expense to average assets | 3.3445% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2105% | 4,629 |
| Return on assets (ROA) | 0.2105% | 4,654 |
| Pretax return on assets | 0.1637% | 4,693 |
| Return on Equity (ROE) | 1.8888% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.8888% | 4,030 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3333% | 260 |
| Assets per employee ($millions) | 3.4306% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,209 |
| Loan loss allowance to noncurrent loans | 23.8908% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.7082% | 337 |
| Noncurrent loans to loans | 5.6390% | 62 |
| Net loans and leases to total assets | 29.8840% | 4,695 |
| Net loans and leases to deposits | 33.6971% | 4,732 |
| Net loans and leases to core deposits | 33.6971% | 4,762 |
| Total domestic deposits to total assets | 88.6842% | 1,517 |
| Equity capital to assets | 11.1176% | 1,773 |
| Core capital (leverage) ratio | 11.3858% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,102,500 | 4,954 |
| Average earning assets | $15,211,000 | 4,943 |
| Average equity | $1,906,000 | 4,953 |
| Average total loans | $5,221,500 | 4,923 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 837 |
| Cost of funding earning assets | 0.2425% | 4,412 |
| Net interest margin | 4.4899% | 337 |
| Noninterest income to average assets | 0.3272% | 3,500 |
| Noninterest expense to average assets | 3.3429% | 853 |
| Loan and lease loss provision to assets | 0.1027% | 3,046 |
| Net operating income to assets | 0.8149% | 3,032 |
| Return on assets (ROA) | 0.8149% | 3,156 |
| Pretax return on assets | 1.0394% | 2,912 |
| Return on Equity (ROE) | 6.5068% | 3,404 |
| Retained earnings to average equity (ytd only) | 0.1025% | 4,491 |
| Net charge-offs to loans | 0.6163% | 244 |
| Credit loss provision to net charge-offs | 45.7143% | 3,165 |
| Earnings coverage of net charge-offs (x) | 5.0857% | 2,906 |
| Efficiency ratio | 74.5351% | 1,383 |
| Assets per employee ($millions) | 2.4360% | 4,895 |
| Cash dividends to net income (ytd only)* | 98.4252% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,255 |
| Loan loss allowance to noncurrent loans | 23.6486% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.7359% | 368 |
| Noncurrent loans to loans | 5.6413% | 62 |
| Net loans and leases to total assets | 30.3601% | 4,740 |
| Net loans and leases to deposits | 34.2439% | 4,778 |
| Net loans and leases to core deposits | 34.2439% | 4,801 |
| Total domestic deposits to total assets | 88.6582% | 1,138 |
| Equity capital to assets | 11.1717% | 2,119 |
| Core capital (leverage) ratio | 11.8392% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,585,200 | 4,982 |
| Average earning assets | $14,432,400 | 4,970 |
| Average equity | $1,951,800 | 4,975 |
| Average total loans | $5,678,800 | 4,945 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 783 |
| Cost of funding earning assets | 0.2705% | 4,429 |
| Net interest margin | 4.5989% | 307 |
| Noninterest income to average assets | 0.3417% | 3,427 |
| Noninterest expense to average assets | 3.5307% | 681 |
| Loan and lease loss provision to assets | 0.1380% | 2,633 |
| Net operating income to assets | 0.8060% | 3,065 |
| Return on assets (ROA) | 0.8060% | 3,185 |
| Pretax return on assets | 0.9900% | 3,106 |
| Return on Equity (ROE) | 6.2472% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.2472% | 1,998 |
| Net charge-offs to loans | 0.7603% | 182 |
| Credit loss provision to net charge-offs | 48.4848% | 2,893 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 2,868 |
| Efficiency ratio | 75.7519% | 1,224 |
| Assets per employee ($millions) | 2.5747% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,071 |
| Loan loss allowance to noncurrent loans | 21.8845% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1297% | 288 |
| Noncurrent loans to loans | 6.0422% | 71 |
| Net loans and leases to total assets | 34.7812% | 4,719 |
| Net loans and leases to deposits | 40.1600% | 4,745 |
| Net loans and leases to core deposits | 40.1600% | 4,781 |
| Total domestic deposits to total assets | 86.6067% | 1,812 |
| Equity capital to assets | 12.9790% | 1,191 |
| Core capital (leverage) ratio | 12.6590% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,218,500 | 5,013 |
| Average earning assets | $14,293,000 | 5,002 |
| Average equity | $1,963,500 | 5,005 |
| Average total loans | $5,786,750 | 4,978 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 760 |
| Cost of funding earning assets | 0.3111% | 4,438 |
| Net interest margin | 4.7375% | 311 |
| Noninterest income to average assets | 0.3962% | 3,101 |
| Noninterest expense to average assets | 3.5662% | 682 |
| Loan and lease loss provision to assets | 0.1981% | 2,062 |
| Net operating income to assets | 0.8850% | 2,752 |
| Return on assets (ROA) | 0.8850% | 2,868 |
| Pretax return on assets | 1.0567% | 2,850 |
| Return on Equity (ROE) | 6.8730% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.8730% | 1,709 |
| Net charge-offs to loans | 1.1524% | 119 |
| Credit loss provision to net charge-offs | 44.1176% | 2,650 |
| Earnings coverage of net charge-offs (x) | 2.7941% | 2,735 |
| Efficiency ratio | 73.9726% | 1,465 |
| Assets per employee ($millions) | 2.5870% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,403 |
| Loan loss allowance to noncurrent loans | 20.5882% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.1904% | 305 |
| Noncurrent loans to loans | 5.9337% | 75 |
| Net loans and leases to total assets | 36.4644% | 4,709 |
| Net loans and leases to deposits | 41.9726% | 4,745 |
| Net loans and leases to core deposits | 41.9726% | 4,797 |
| Total domestic deposits to total assets | 86.8767% | 1,670 |
| Equity capital to assets | 12.8076% | 1,235 |
| Core capital (leverage) ratio | 12.8064% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,142,000 | 5,044 |
| Average earning assets | $14,142,333 | 5,032 |
| Average equity | $1,949,667 | 5,037 |
| Average total loans | $5,900,667 | 5,009 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 415 |
| Cost of funding earning assets | 0.3189% | 4,601 |
| Net interest margin | 5.1312% | 161 |
| Noninterest income to average assets | 0.4280% | 2,917 |
| Noninterest expense to average assets | 3.5045% | 931 |
| Loan and lease loss provision to assets | 0.4013% | 761 |
| Net operating income to assets | 0.7758% | 2,994 |
| Return on assets (ROA) | 0.7758% | 3,071 |
| Pretax return on assets | 1.2574% | 2,011 |
| Return on Equity (ROE) | 6.0088% | 3,313 |
| Retained earnings to average equity (ytd only) | 6.0088% | 1,869 |
| Net charge-offs to loans | 1.8042% | 80 |
| Credit loss provision to net charge-offs | 55.5556% | 2,035 |
| Earnings coverage of net charge-offs (x) | 2.2963% | 2,299 |
| Efficiency ratio | 67.8756% | 2,692 |
| Assets per employee ($millions) | 2.4958% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,197 |
| Loan loss allowance to noncurrent loans | 21.8750% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.3506% | 311 |
| Noncurrent loans to loans | 5.8833% | 85 |
| Net loans and leases to total assets | 39.4391% | 4,685 |
| Net loans and leases to deposits | 45.6449% | 4,729 |
| Net loans and leases to core deposits | 45.6449% | 4,782 |
| Total domestic deposits to total assets | 86.4040% | 1,824 |
| Equity capital to assets | 13.0751% | 1,390 |
| Core capital (leverage) ratio | 12.7559% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,952,000 | 5,094 |
| Average earning assets | $13,798,000 | 5,082 |
| Average equity | $1,930,500 | 5,084 |
| Average total loans | $5,986,000 | 5,055 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 459 |
| Cost of funding earning assets | 0.3419% | 4,621 |
| Net interest margin | 5.2779% | 158 |
| Noninterest income to average assets | 0.4176% | 3,194 |
| Noninterest expense to average assets | 3.5262% | 931 |
| Loan and lease loss provision to assets | 0.4706% | 275 |
| Net operating income to assets | 1.0075% | 2,824 |
| Return on assets (ROA) | 1.0075% | 2,912 |
| Pretax return on assets | 1.3323% | 2,388 |
| Return on Equity (ROE) | 7.8326% | 3,232 |
| Retained earnings to average equity (ytd only) | 0.1031% | 4,660 |
| Net charge-offs to loans | 0.8540% | 192 |
| Credit loss provision to net charge-offs | 139.2157% | 1,852 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 3,099 |
| Efficiency ratio | 66.1692% | 2,745 |
| Assets per employee ($millions) | 2.4882% | 4,999 |
| Cash dividends to net income (ytd only)* | 98.6842% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 1,270 |
| Loan loss allowance to noncurrent loans | 25.7225% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.3176% | 300 |
| Noncurrent loans to loans | 5.7773% | 74 |
| Net loans and leases to total assets | 39.5204% | 4,747 |
| Net loans and leases to deposits | 45.4265% | 4,800 |
| Net loans and leases to core deposits | 45.4265% | 4,844 |
| Total domestic deposits to total assets | 86.9985% | 1,610 |
| Equity capital to assets | 12.7470% | 1,679 |
| Core capital (leverage) ratio | 12.5488% | 1,460 |
| Tier 1 risk-based capital ratio | 25.3408% | 727 |
| Total risk-based capital ratio | 26.5303% | 713 |
| Memoranda: | ||
| Average total assets | $15,087,000 | 5,152 |
| Average earning assets | $14,039,600 | 5,142 |
| Average equity | $1,940,600 | 5,144 |
| Average total loans | $5,971,600 | 5,119 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 425 |
| Cost of funding earning assets | 0.3494% | 4,658 |
| Net interest margin | 5.3358% | 158 |
| Noninterest income to average assets | 0.4495% | 3,024 |
| Noninterest expense to average assets | 3.2965% | 1,278 |
| Loan and lease loss provision to assets | 0.2821% | 533 |
| Net operating income to assets | 1.3839% | 1,517 |
| Return on assets (ROA) | 1.3839% | 1,587 |
| Pretax return on assets | 1.8510% | 978 |
| Return on Equity (ROE) | 10.7349% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.7349% | 574 |
| Net charge-offs to loans | 0.3352% | 517 |
| Credit loss provision to net charge-offs | 213.3333% | 1,247 |
| Earnings coverage of net charge-offs (x) | 16.1330% | 2,151 |
| Efficiency ratio | 60.7143% | 3,517 |
| Assets per employee ($millions) | 2.4982% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 1,434 |
| Loan loss allowance to noncurrent loans | 27.3016% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.1015% | 400 |
| Noncurrent loans to loans | 5.2605% | 98 |
| Net loans and leases to total assets | 39.3755% | 4,835 |
| Net loans and leases to deposits | 45.9300% | 4,874 |
| Net loans and leases to core deposits | 45.9300% | 4,921 |
| Total domestic deposits to total assets | 85.7295% | 2,111 |
| Equity capital to assets | 13.7034% | 1,270 |
| Core capital (leverage) ratio | 13.7327% | 1,066 |
| Tier 1 risk-based capital ratio | 26.9908% | 642 |
| Total risk-based capital ratio | 28.1209% | 638 |
| Memoranda: | ||
| Average total assets | $15,126,500 | 5,230 |
| Average earning assets | $14,118,000 | 5,219 |
| Average equity | $1,950,000 | 5,220 |
| Average total loans | $5,967,250 | 5,197 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6882% | 417 |
| Cost of funding earning assets | 0.3388% | 4,719 |
| Net interest margin | 5.3495% | 158 |
| Noninterest income to average assets | 0.3164% | 3,814 |
| Noninterest expense to average assets | 3.3614% | 1,168 |
| Loan and lease loss provision to assets | 0.3032% | 456 |
| Net operating income to assets | 1.2391% | 2,013 |
| Return on assets (ROA) | 1.2391% | 2,063 |
| Pretax return on assets | 1.6477% | 1,403 |
| Return on Equity (ROE) | 9.8155% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.8155% | 813 |
| Net charge-offs to loans | 0.3356% | 511 |
| Credit loss provision to net charge-offs | 230.0000% | 1,093 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 2,015 |
| Efficiency ratio | 63.2754% | 3,241 |
| Assets per employee ($millions) | 2.4947% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,728 |
| Loan loss allowance to noncurrent loans | 97.6190% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 2,337 |
| Noncurrent loans to loans | 1.4052% | 1,104 |
| Net loans and leases to total assets | 39.3907% | 4,867 |
| Net loans and leases to deposits | 45.6135% | 4,915 |
| Net loans and leases to core deposits | 45.6135% | 4,969 |
| Total domestic deposits to total assets | 86.3576% | 1,867 |
| Equity capital to assets | 13.2950% | 1,442 |
| Core capital (leverage) ratio | 13.2088% | 1,209 |
| Tier 1 risk-based capital ratio | 25.8724% | 697 |
| Total risk-based capital ratio | 26.9401% | 689 |
| Memoranda: | ||
| Average total assets | $15,172,330 | 5,276 |
| Average earning assets | $14,169,670 | 5,264 |
| Average equity | $1,915,330 | 5,267 |
| Average total loans | $5,960,330 | 5,245 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 467 |
| Cost of funding earning assets | 0.3090% | 4,822 |
| Net interest margin | 5.2534% | 182 |
| Noninterest income to average assets | 0.3142% | 3,759 |
| Noninterest expense to average assets | 3.2734% | 1,343 |
| Loan and lease loss provision to assets | 0.2095% | 754 |
| Net operating income to assets | 1.3094% | 1,665 |
| Return on assets (ROA) | 1.3094% | 1,706 |
| Pretax return on assets | 1.7284% | 1,147 |
| Return on Equity (ROE) | 10.6496% | 2,100 |
| Retained earnings to average equity (ytd only) | 10.6496% | 891 |
| Net charge-offs to loans | -0.2688% | 5,205 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8141% | 3,406 |
| Assets per employee ($millions) | 3.0598% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,904 |
| Loan loss allowance to noncurrent loans | 79.4118% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 2,099 |
| Noncurrent loans to loans | 1.6910% | 913 |
| Net loans and leases to total assets | 38.8980% | 4,925 |
| Net loans and leases to deposits | 44.7007% | 4,969 |
| Net loans and leases to core deposits | 44.7007% | 5,024 |
| Total domestic deposits to total assets | 87.0188% | 1,803 |
| Equity capital to assets | 12.4910% | 1,742 |
| Core capital (leverage) ratio | 12.8735% | 1,333 |
| Tier 1 risk-based capital ratio | 22.1072% | 1,041 |
| Total risk-based capital ratio | 23.0288% | 1,055 |
| Memoranda: | ||
| Average total assets | $15,274,500 | 5,332 |
| Average earning assets | $14,238,500 | 5,320 |
| Average equity | $1,878,000 | 5,324 |
| Average total loans | $5,951,500 | 5,305 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 281 |
| Cost of funding earning assets | 0.2640% | 4,740 |
| Net interest margin | 5.4324% | 124 |
| Noninterest income to average assets | 0.3260% | 3,924 |
| Noninterest expense to average assets | 3.5602% | 919 |
| Loan and lease loss provision to assets | 0.4922% | 240 |
| Net operating income to assets | 0.9843% | 3,082 |
| Return on assets (ROA) | 0.9843% | 3,082 |
| Pretax return on assets | 1.2719% | 2,608 |
| Return on Equity (ROE) | 8.2020% | 3,356 |
| Retained earnings to average equity (ytd only) | 0.2130% | 4,924 |
| Net charge-offs to loans | 1.1679% | 112 |
| Credit loss provision to net charge-offs | 111.5942% | 2,319 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,348 |
| Efficiency ratio | 66.8667% | 2,732 |
| Assets per employee ($millions) | 2.5417% | 5,193 |
| Cash dividends to net income (ytd only)* | 97.4026% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,692 |
| Loan loss allowance to noncurrent loans | 68.3168% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 2,068 |
| Noncurrent loans to loans | 1.7203% | 837 |
| Net loans and leases to total assets | 38.0459% | 5,013 |
| Net loans and leases to deposits | 43.3762% | 5,041 |
| Net loans and leases to core deposits | 43.3762% | 5,090 |
| Total domestic deposits to total assets | 87.7115% | 1,443 |
| Equity capital to assets | 12.0984% | 1,821 |
| Core capital (leverage) ratio | 12.5149% | 1,449 |
| Tier 1 risk-based capital ratio | 23.1503% | 905 |
| Total risk-based capital ratio | 23.9941% | 909 |
| Memoranda: | ||
| Average total assets | $15,645,400 | 5,376 |
| Average earning assets | $14,395,000 | 5,364 |
| Average equity | $1,877,600 | 5,367 |
| Average total loans | $5,908,200 | 5,348 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4848% | 374 |
| Cost of funding earning assets | 0.2489% | 4,790 |
| Net interest margin | 5.2359% | 170 |
| Noninterest income to average assets | 0.3981% | 3,493 |
| Noninterest expense to average assets | 3.5906% | 866 |
| Loan and lease loss provision to assets | 0.3726% | 352 |
| Net operating income to assets | 0.9739% | 3,198 |
| Return on assets (ROA) | 0.9739% | 3,210 |
| Pretax return on assets | 1.2449% | 2,831 |
| Return on Equity (ROE) | 8.1310% | 3,494 |
| Retained earnings to average equity (ytd only) | 8.1310% | 1,589 |
| Net charge-offs to loans | 0.6760% | 212 |
| Credit loss provision to net charge-offs | 146.6667% | 1,743 |
| Earnings coverage of net charge-offs (x) | 6.3665% | 2,890 |
| Efficiency ratio | 68.9431% | 2,366 |
| Assets per employee ($millions) | 2.5950% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,216 |
| Loan loss allowance to noncurrent loans | 38.8601% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 998 |
| Noncurrent loans to loans | 3.2829% | 310 |
| Net loans and leases to total assets | 37.2768% | 5,099 |
| Net loans and leases to deposits | 42.6890% | 5,140 |
| Net loans and leases to core deposits | 42.6890% | 5,187 |
| Total domestic deposits to total assets | 87.3218% | 1,587 |
| Equity capital to assets | 12.3956% | 1,648 |
| Core capital (leverage) ratio | 12.8585% | 1,343 |
| Tier 1 risk-based capital ratio | 24.8790% | 767 |
| Total risk-based capital ratio | 25.8101% | 773 |
| Memoranda: | ||
| Average total assets | $15,744,250 | 5,446 |
| Average earning assets | $14,463,750 | 5,433 |
| Average equity | $1,885,750 | 5,435 |
| Average total loans | $5,917,500 | 5,418 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 350 |
| Cost of funding earning assets | 0.2358% | 4,823 |
| Net interest margin | 5.2145% | 163 |
| Noninterest income to average assets | 0.4177% | 3,373 |
| Noninterest expense to average assets | 3.6830% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1770% | 2,291 |
| Return on assets (ROA) | 1.1770% | 2,293 |
| Pretax return on assets | 1.4935% | 1,838 |
| Return on Equity (ROE) | 9.9412% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.9412% | 944 |
| Net charge-offs to loans | 1.0117% | 129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.9333% | 2,838 |
| Efficiency ratio | 71.1491% | 2,133 |
| Assets per employee ($millions) | 2.5910% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 5,206 |
| Loan loss allowance to noncurrent loans | 18.6747% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 1,228 |
| Noncurrent loans to loans | 2.9031% | 401 |
| Net loans and leases to total assets | 36.5818% | 5,161 |
| Net loans and leases to deposits | 41.7885% | 5,200 |
| Net loans and leases to core deposits | 41.7885% | 5,246 |
| Total domestic deposits to total assets | 87.5402% | 1,625 |
| Equity capital to assets | 12.2797% | 1,678 |
| Core capital (leverage) ratio | 12.5938% | 1,386 |
| Tier 1 risk-based capital ratio | 24.7904% | 753 |
| Total risk-based capital ratio | 25.1783% | 810 |
| Memoranda: | ||
| Average total assets | $15,802,330 | 5,510 |
| Average earning assets | $14,421,330 | 5,497 |
| Average equity | $1,871,000 | 5,498 |
| Average total loans | $5,930,330 | 5,481 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 367 |
| Cost of funding earning assets | 0.1890% | 5,084 |
| Net interest margin | 5.1576% | 172 |
| Noninterest income to average assets | 0.3766% | 3,614 |
| Noninterest expense to average assets | 3.7161% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1048% | 2,397 |
| Return on assets (ROA) | 1.1048% | 2,414 |
| Pretax return on assets | 1.4563% | 1,816 |
| Return on Equity (ROE) | 9.5032% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.5032% | 1,307 |
| Net charge-offs to loans | 0.3313% | 462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.6000% | 1,839 |
| Efficiency ratio | 71.8447% | 2,212 |
| Assets per employee ($millions) | 2.6497% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,274 |
| Loan loss allowance to noncurrent loans | 25.9259% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4656% | 971 |
| Noncurrent loans to loans | 3.6114% | 285 |
| Net loans and leases to total assets | 37.2688% | 5,166 |
| Net loans and leases to deposits | 42.3093% | 5,208 |
| Net loans and leases to core deposits | 42.3093% | 5,261 |
| Total domestic deposits to total assets | 88.0866% | 1,571 |
| Equity capital to assets | 11.7122% | 1,982 |
| Core capital (leverage) ratio | 12.0099% | 1,644 |
| Tier 1 risk-based capital ratio | 23.6250% | 877 |
| Total risk-based capital ratio | 24.3095% | 911 |
| Memoranda: | ||
| Average total assets | $15,930,500 | 5,572 |
| Average earning assets | $14,813,000 | 5,561 |
| Average equity | $1,852,000 | 5,557 |
| Average total loans | $6,036,500 | 5,542 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 432 |
| Cost of funding earning assets | 0.1945% | 4,993 |
| Net interest margin | 5.0225% | 229 |
| Noninterest income to average assets | 0.5173% | 2,890 |
| Noninterest expense to average assets | 3.6453% | 853 |
| Loan and lease loss provision to assets | 0.3895% | 382 |
| Net operating income to assets | 0.8216% | 3,074 |
| Return on assets (ROA) | 0.8216% | 3,115 |
| Pretax return on assets | 1.0407% | 3,414 |
| Return on Equity (ROE) | 7.1391% | 3,204 |
| Retained earnings to average equity (ytd only) | -0.7932% | 5,161 |
| Net charge-offs to loans | 1.1707% | 139 |
| Credit loss provision to net charge-offs | 90.1408% | 2,780 |
| Earnings coverage of net charge-offs (x) | 3.3099% | 3,627 |
| Efficiency ratio | 71.8225% | 2,254 |
| Assets per employee ($millions) | 2.6605% | 5,396 |
| Cash dividends to net income (ytd only)* | 111.1111% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,935 |
| Loan loss allowance to noncurrent loans | 27.1111% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 897 |
| Noncurrent loans to loans | 3.6934% | 264 |
| Net loans and leases to total assets | 37.7811% | 5,228 |
| Net loans and leases to deposits | 42.7640% | 5,271 |
| Net loans and leases to core deposits | 42.7640% | 5,324 |
| Total domestic deposits to total assets | 88.3481% | 1,330 |
| Equity capital to assets | 11.5392% | 2,173 |
| Core capital (leverage) ratio | 11.5854% | 1,879 |
| Tier 1 risk-based capital ratio | 23.1779% | 888 |
| Total risk-based capital ratio | 23.9264% | 927 |
| Memoranda: | ||
| Average total assets | $16,432,000 | 5,636 |
| Average earning assets | $14,913,000 | 5,621 |
| Average equity | $1,891,000 | 5,617 |
| Average total loans | $6,065,000 | 5,607 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 425 |
| Cost of funding earning assets | 0.1888% | 5,062 |
| Net interest margin | 4.9996% | 232 |
| Noninterest income to average assets | 0.5720% | 2,620 |
| Noninterest expense to average assets | 3.7785% | 693 |
| Loan and lease loss provision to assets | 0.5156% | 220 |
| Net operating income to assets | 0.6445% | 4,213 |
| Return on assets (ROA) | 0.6445% | 4,270 |
| Pretax return on assets | 0.7573% | 4,460 |
| Return on Equity (ROE) | 5.6041% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.6041% | 2,480 |
| Net charge-offs to loans | 1.5846% | 97 |
| Credit loss provision to net charge-offs | 88.8889% | 2,473 |
| Earnings coverage of net charge-offs (x) | 2.1944% | 3,493 |
| Efficiency ratio | 74.8006% | 1,775 |
| Assets per employee ($millions) | 2.7273% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,121 |
| Loan loss allowance to noncurrent loans | 24.1935% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 817 |
| Noncurrent loans to loans | 4.0897% | 236 |
| Net loans and leases to total assets | 36.6903% | 5,323 |
| Net loans and leases to deposits | 41.7757% | 5,370 |
| Net loans and leases to core deposits | 41.7757% | 5,425 |
| Total domestic deposits to total assets | 87.8269% | 1,460 |
| Equity capital to assets | 11.9470% | 2,000 |
| Core capital (leverage) ratio | 12.1385% | 1,610 |
| Tier 1 risk-based capital ratio | 22.4909% | 995 |
| Total risk-based capital ratio | 23.1721% | 1,037 |
| Memoranda: | ||
| Average total assets | $16,549,250 | 5,698 |
| Average earning assets | $14,827,250 | 5,688 |
| Average equity | $1,903,250 | 5,681 |
| Average total loans | $6,058,250 | 5,670 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 422 |
| Cost of funding earning assets | 0.2043% | 4,931 |
| Net interest margin | 4.9588% | 238 |
| Noninterest income to average assets | 0.4696% | 3,221 |
| Noninterest expense to average assets | 3.5759% | 898 |
| Loan and lease loss provision to assets | 0.7224% | 150 |
| Net operating income to assets | 0.5177% | 4,662 |
| Return on assets (ROA) | 0.5177% | 4,694 |
| Pretax return on assets | 0.5538% | 4,897 |
| Return on Equity (ROE) | 4.5599% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.5599% | 2,993 |
| Net charge-offs to loans | 2.2456% | 68 |
| Credit loss provision to net charge-offs | 88.2353% | 2,164 |
| Earnings coverage of net charge-offs (x) | 1.5588% | 3,270 |
| Efficiency ratio | 73.6973% | 2,068 |
| Assets per employee ($millions) | 2.7533% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,878 |
| Loan loss allowance to noncurrent loans | 24.0000% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.0642% | 599 |
| Noncurrent loans to loans | 4.3546% | 196 |
| Net loans and leases to total assets | 34.3886% | 5,431 |
| Net loans and leases to deposits | 38.9777% | 5,480 |
| Net loans and leases to core deposits | 38.9777% | 5,525 |
| Total domestic deposits to total assets | 88.2264% | 1,341 |
| Equity capital to assets | 11.6465% | 2,192 |
| Core capital (leverage) ratio | 11.6624% | 1,860 |
| Tier 1 risk-based capital ratio | 22.5548% | 988 |
| Total risk-based capital ratio | 23.2510% | 1,034 |
| Memoranda: | ||
| Average total assets | $16,611,000 | 5,746 |
| Average earning assets | $14,681,000 | 5,737 |
| Average equity | $1,886,000 | 5,730 |
| Average total loans | $6,056,330 | 5,720 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 576 |
| Cost of funding earning assets | 0.1861% | 5,102 |
| Net interest margin | 4.7592% | 332 |
| Noninterest income to average assets | 0.5523% | 2,650 |
| Noninterest expense to average assets | 3.5782% | 921 |
| Loan and lease loss provision to assets | 1.1527% | 75 |
| Net operating income to assets | 0.2642% | 5,277 |
| Return on assets (ROA) | 0.2642% | 5,294 |
| Pretax return on assets | 0.1201% | 5,502 |
| Return on Equity (ROE) | 2.3567% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.3567% | 4,198 |
| Net charge-offs to loans | 4.2485% | 25 |
| Credit loss provision to net charge-offs | 72.7273% | 1,811 |
| Earnings coverage of net charge-offs (x) | 0.8030% | 2,795 |
| Efficiency ratio | 73.7624% | 2,271 |
| Assets per employee ($millions) | 2.7968% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 4,995 |
| Loan loss allowance to noncurrent loans | 12.7226% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.6697% | 405 |
| Noncurrent loans to loans | 6.4873% | 92 |
| Net loans and leases to total assets | 35.8024% | 5,409 |
| Net loans and leases to deposits | 40.3330% | 5,462 |
| Net loans and leases to core deposits | 40.3330% | 5,512 |
| Total domestic deposits to total assets | 88.7671% | 1,280 |
| Equity capital to assets | 11.2031% | 2,429 |
| Core capital (leverage) ratio | 11.3681% | 2,046 |
| Tier 1 risk-based capital ratio | 21.5728% | 1,143 |
| Total risk-based capital ratio | 22.1370% | 1,210 |
| Memoranda: | ||
| Average total assets | $16,656,500 | 5,816 |
| Average earning assets | $15,044,500 | 5,803 |
| Average equity | $1,867,000 | 5,799 |
| Average total loans | $6,214,000 | 5,786 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 573 |
| Cost of funding earning assets | 0.1820% | 5,193 |
| Net interest margin | 4.8355% | 326 |
| Noninterest income to average assets | 0.4667% | 3,436 |
| Noninterest expense to average assets | 3.6600% | 932 |
| Loan and lease loss provision to assets | 0.0798% | 2,765 |
| Net operating income to assets | 1.0071% | 2,327 |
| Return on assets (ROA) | 1.0071% | 2,423 |
| Pretax return on assets | 1.2958% | 2,297 |
| Return on Equity (ROE) | 8.5257% | 2,659 |
| Retained earnings to average equity (ytd only) | 0.7278% | 5,036 |
| Net charge-offs to loans | 0.2121% | 1,311 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 17.2308% | 2,063 |
| Efficiency ratio | 72.6829% | 2,478 |
| Assets per employee ($millions) | 2.7553% | 5,522 |
| Cash dividends to net income (ytd only)* | 91.4634% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,909 |
| Loan loss allowance to noncurrent loans | 24.6377% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0022% | 685 |
| Noncurrent loans to loans | 4.3328% | 221 |
| Net loans and leases to total assets | 38.1200% | 5,398 |
| Net loans and leases to deposits | 42.9819% | 5,463 |
| Net loans and leases to core deposits | 42.9819% | 5,521 |
| Total domestic deposits to total assets | 88.6886% | 1,274 |
| Equity capital to assets | 11.2146% | 2,406 |
| Core capital (leverage) ratio | 11.5534% | 1,893 |
| Tier 1 risk-based capital ratio | 21.0357% | 1,201 |
| Total risk-based capital ratio | 21.7882% | 1,254 |
| Memoranda: | ||
| Average total assets | $16,284,000 | 5,876 |
| Average earning assets | $15,386,200 | 5,858 |
| Average equity | $1,923,600 | 5,851 |
| Average total loans | $6,130,400 | 5,844 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 604 |
| Cost of funding earning assets | 0.1825% | 5,245 |
| Net interest margin | 4.8155% | 352 |
| Noninterest income to average assets | 0.4274% | 3,716 |
| Noninterest expense to average assets | 3.6986% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0027% | 2,419 |
| Return on assets (ROA) | 1.0027% | 2,557 |
| Pretax return on assets | 1.2821% | 2,498 |
| Return on Equity (ROE) | 8.3802% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.3802% | 1,023 |
| Net charge-offs to loans | -0.1977% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2574% | 2,235 |
| Assets per employee ($millions) | 2.6800% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 3,185 |
| Loan loss allowance to noncurrent loans | 22.6471% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 2.1144% | 718 |
| Noncurrent loans to loans | 5.3375% | 148 |
| Net loans and leases to total assets | 39.1356% | 5,425 |
| Net loans and leases to deposits | 44.9340% | 5,487 |
| Net loans and leases to core deposits | 44.9340% | 5,552 |
| Total domestic deposits to total assets | 87.0958% | 1,854 |
| Equity capital to assets | 12.5187% | 1,769 |
| Core capital (leverage) ratio | 12.4659% | 1,407 |
| Tier 1 risk-based capital ratio | 25.2322% | 790 |
| Total risk-based capital ratio | 26.1988% | 802 |
| Memoranda: | ||
| Average total assets | $16,222,000 | 5,941 |
| Average earning assets | $15,339,000 | 5,922 |
| Average equity | $1,941,000 | 5,912 |
| Average total loans | $6,070,500 | 5,908 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 919 |
| Cost of funding earning assets | 0.1814% | 5,304 |
| Net interest margin | 4.5993% | 509 |
| Noninterest income to average assets | 0.3565% | 4,221 |
| Noninterest expense to average assets | 3.7863% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7376% | 3,619 |
| Return on assets (ROA) | 0.7376% | 3,781 |
| Pretax return on assets | 0.9343% | 3,819 |
| Return on Equity (ROE) | 6.2598% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.2598% | 1,985 |
| Net charge-offs to loans | -0.2345% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2083% | 1,472 |
| Assets per employee ($millions) | 2.6607% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 3,069 |
| Loan loss allowance to noncurrent loans | 18.3374% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.5620% | 528 |
| Noncurrent loans to loans | 6.8201% | 92 |
| Net loans and leases to total assets | 37.0960% | 5,556 |
| Net loans and leases to deposits | 42.3908% | 5,604 |
| Net loans and leases to core deposits | 42.3908% | 5,668 |
| Total domestic deposits to total assets | 87.5094% | 1,663 |
| Equity capital to assets | 12.2400% | 1,948 |
| Core capital (leverage) ratio | 11.9431% | 1,668 |
| Tier 1 risk-based capital ratio | 25.5439% | 765 |
| Total risk-based capital ratio | 26.5269% | 772 |
| Memoranda: | ||
| Average total assets | $16,269,330 | 6,018 |
| Average earning assets | $15,437,000 | 5,997 |
| Average equity | $1,917,000 | 5,992 |
| Average total loans | $5,970,670 | 5,988 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 696 |
| Cost of funding earning assets | 0.2062% | 5,144 |
| Net interest margin | 4.6919% | 431 |
| Noninterest income to average assets | 0.2436% | 4,995 |
| Noninterest expense to average assets | 3.5318% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9012% | 2,745 |
| Return on assets (ROA) | 0.9012% | 2,875 |
| Pretax return on assets | 1.1448% | 2,912 |
| Return on Equity (ROE) | 7.7956% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.7956% | 1,543 |
| Net charge-offs to loans | -0.1343% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5208% | 2,247 |
| Assets per employee ($millions) | 2.7088% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,706 |
| Loan loss allowance to noncurrent loans | 31.9635% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,573 |
| Noncurrent loans to loans | 3.6343% | 363 |
| Net loans and leases to total assets | 36.6455% | 5,606 |
| Net loans and leases to deposits | 41.6329% | 5,663 |
| Net loans and leases to core deposits | 41.6329% | 5,725 |
| Total domestic deposits to total assets | 88.0207% | 1,628 |
| Equity capital to assets | 11.8317% | 2,132 |
| Core capital (leverage) ratio | 11.7705% | 1,778 |
| Tier 1 risk-based capital ratio | 24.9644% | 817 |
| Total risk-based capital ratio | 25.8717% | 831 |
| Memoranda: | ||
| Average total assets | $16,422,000 | 6,078 |
| Average earning assets | $15,516,000 | 6,056 |
| Average equity | $1,898,500 | 6,054 |
| Average total loans | $5,957,500 | 6,050 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 322 |
| Cost of funding earning assets | 0.2060% | 5,228 |
| Net interest margin | 5.1928% | 185 |
| Noninterest income to average assets | 0.4718% | 3,519 |
| Noninterest expense to average assets | 3.6338% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9804% | 2,464 |
| Return on assets (ROA) | 0.9804% | 2,540 |
| Pretax return on assets | 1.3175% | 2,212 |
| Return on Equity (ROE) | 8.3647% | 2,775 |
| Retained earnings to average equity (ytd only) | 1.1501% | 5,052 |
| Net charge-offs to loans | 0.3681% | 790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.7727% | 2,780 |
| Efficiency ratio | 73.3911% | 2,672 |
| Assets per employee ($millions) | 2.7652% | 5,728 |
| Cash dividends to net income (ytd only)* | 86.2500% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,728 |
| Loan loss allowance to noncurrent loans | 87.1795% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 3,378 |
| Noncurrent loans to loans | 1.3245% | 1,781 |
| Net loans and leases to total assets | 35.0853% | 5,739 |
| Net loans and leases to deposits | 39.6202% | 5,780 |
| Net loans and leases to core deposits | 39.6202% | 5,834 |
| Total domestic deposits to total assets | 88.5540% | 1,350 |
| Equity capital to assets | 11.2953% | 2,545 |
| Core capital (leverage) ratio | 11.2515% | 2,157 |
| Tier 1 risk-based capital ratio | 24.5769% | 853 |
| Total risk-based capital ratio | 25.4621% | 883 |
| Memoranda: | ||
| Average total assets | $16,319,200 | 6,139 |
| Average earning assets | $14,077,200 | 6,131 |
| Average equity | $1,912,800 | 6,112 |
| Average total loans | $5,977,200 | 6,104 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 248 |
| Cost of funding earning assets | 0.2139% | 5,247 |
| Net interest margin | 5.3177% | 164 |
| Noninterest income to average assets | 0.4758% | 3,530 |
| Noninterest expense to average assets | 3.5771% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0420% | 2,262 |
| Return on assets (ROA) | 1.0420% | 2,353 |
| Pretax return on assets | 1.3865% | 2,071 |
| Return on Equity (ROE) | 8.8078% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.8078% | 972 |
| Net charge-offs to loans | 0.0667% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 56.3325% | 957 |
| Efficiency ratio | 72.0661% | 2,868 |
| Assets per employee ($millions) | 2.7442% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,344 |
| Loan loss allowance to noncurrent loans | 77.6786% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 2,589 |
| Noncurrent loans to loans | 1.8742% | 1,237 |
| Net loans and leases to total assets | 35.7668% | 5,791 |
| Net loans and leases to deposits | 40.8391% | 5,836 |
| Net loans and leases to core deposits | 40.8391% | 5,893 |
| Total domestic deposits to total assets | 87.5797% | 1,756 |
| Equity capital to assets | 12.0802% | 2,047 |
| Core capital (leverage) ratio | 12.1161% | 1,611 |
| Tier 1 risk-based capital ratio | 25.2503% | 831 |
| Total risk-based capital ratio | 26.3531% | 837 |
| Memoranda: | ||
| Average total assets | $16,251,250 | 6,225 |
| Average earning assets | $13,715,000 | 6,219 |
| Average equity | $1,922,500 | 6,195 |
| Average total loans | $5,999,250 | 6,185 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7653% | 173 |
| Cost of funding earning assets | 0.2141% | 5,318 |
| Net interest margin | 5.5512% | 114 |
| Noninterest income to average assets | 0.4450% | 3,740 |
| Noninterest expense to average assets | 3.5600% | 1,195 |
| Loan and lease loss provision to assets | 0.0124% | 3,874 |
| Net operating income to assets | 1.0136% | 2,322 |
| Return on assets (ROA) | 1.0136% | 2,434 |
| Pretax return on assets | 1.3597% | 2,147 |
| Return on Equity (ROE) | 8.6301% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.6301% | 1,033 |
| Net charge-offs to loans | 0.0999% | 2,013 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,185 |
| Efficiency ratio | 72.1805% | 2,980 |
| Assets per employee ($millions) | 2.7508% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 2,521 |
| Loan loss allowance to noncurrent loans | 82.2430% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,778 |
| Noncurrent loans to loans | 1.7599% | 1,457 |
| Net loans and leases to total assets | 36.3042% | 5,799 |
| Net loans and leases to deposits | 41.2360% | 5,866 |
| Net loans and leases to core deposits | 41.2360% | 5,924 |
| Total domestic deposits to total assets | 88.0400% | 1,636 |
| Equity capital to assets | 11.7358% | 2,217 |
| Core capital (leverage) ratio | 11.9240% | 1,704 |
| Tier 1 risk-based capital ratio | 24.6028% | 896 |
| Total risk-based capital ratio | 25.7125% | 894 |
| Memoranda: | ||
| Average total assets | $16,180,000 | 6,300 |
| Average earning assets | $13,078,330 | 6,300 |
| Average equity | $1,900,330 | 6,268 |
| Average total loans | $6,007,000 | 6,259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4966% | 263 |
| Cost of funding earning assets | 0.2114% | 5,403 |
| Net interest margin | 5.2852% | 161 |
| Noninterest income to average assets | 0.4745% | 3,472 |
| Noninterest expense to average assets | 3.6960% | 1,020 |
| Loan and lease loss provision to assets | 0.0250% | 3,375 |
| Net operating income to assets | 0.7991% | 3,265 |
| Return on assets (ROA) | 0.7991% | 3,391 |
| Pretax return on assets | 1.1238% | 2,978 |
| Return on Equity (ROE) | 6.8013% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.8013% | 2,098 |
| Net charge-offs to loans | 0.4020% | 603 |
| Credit loss provision to net charge-offs | 16.6667% | 2,388 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,150 |
| Efficiency ratio | 76.2887% | 2,472 |
| Assets per employee ($millions) | 2.6837% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 2,654 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 2,870 |
| Noncurrent loans to loans | 1.7451% | 1,563 |
| Net loans and leases to total assets | 35.7720% | 5,838 |
| Net loans and leases to deposits | 40.6177% | 5,894 |
| Net loans and leases to core deposits | 40.6177% | 5,954 |
| Total domestic deposits to total assets | 88.0698% | 1,781 |
| Equity capital to assets | 11.7811% | 2,214 |
| Core capital (leverage) ratio | 11.8148% | 1,767 |
| Tier 1 risk-based capital ratio | 24.8106% | 907 |
| Total risk-based capital ratio | 25.9211% | 902 |
| Memoranda: | ||
| Average total assets | $16,017,500 | 6,369 |
| Average earning assets | $13,244,500 | 6,368 |
| Average equity | $1,882,000 | 6,334 |
| Average total loans | $5,970,500 | 6,327 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 306 |
| Cost of funding earning assets | 0.2160% | 5,620 |
| Net interest margin | 5.3021% | 181 |
| Noninterest income to average assets | 0.5416% | 3,223 |
| Noninterest expense to average assets | 3.7586% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0186% | 2,302 |
| Return on assets (ROA) | 1.0186% | 2,377 |
| Pretax return on assets | 1.3732% | 1,990 |
| Return on Equity (ROE) | 8.4555% | 2,874 |
| Retained earnings to average equity (ytd only) | 3.3715% | 3,810 |
| Net charge-offs to loans | 0.1349% | 2,671 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.6250% | 1,458 |
| Efficiency ratio | 73.2412% | 2,977 |
| Assets per employee ($millions) | 2.6555% | 6,059 |
| Cash dividends to net income (ytd only)* | 60.1266% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 2,581 |
| Loan loss allowance to noncurrent loans | 152.5424% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 3,701 |
| Noncurrent loans to loans | 0.9678% | 2,903 |
| Net loans and leases to total assets | 37.6953% | 5,870 |
| Net loans and leases to deposits | 42.7839% | 5,938 |
| Net loans and leases to core deposits | 42.7839% | 6,001 |
| Total domestic deposits to total assets | 88.1064% | 1,717 |
| Equity capital to assets | 11.7178% | 2,239 |
| Core capital (leverage) ratio | 11.6701% | 1,848 |
| Tier 1 risk-based capital ratio | 24.2239% | 926 |
| Total risk-based capital ratio | 25.3929% | 915 |
| Memoranda: | ||
| Average total assets | $15,511,000 | 6,461 |
| Average earning assets | $13,428,600 | 6,454 |
| Average equity | $1,868,600 | 6,420 |
| Average total loans | $5,928,400 | 6,419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 280 |
| Cost of funding earning assets | 0.2186% | 5,681 |
| Net interest margin | 5.3650% | 161 |
| Noninterest income to average assets | 0.5799% | 2,992 |
| Noninterest expense to average assets | 3.6610% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1770% | 1,767 |
| Return on assets (ROA) | 1.1770% | 1,836 |
| Pretax return on assets | 1.5925% | 1,349 |
| Return on Equity (ROE) | 9.7020% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.7020% | 779 |
| Net charge-offs to loans | 0.0454% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 91.8839% | 630 |
| Efficiency ratio | 69.6870% | 3,566 |
| Assets per employee ($millions) | 2.6502% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 2,245 |
| Loan loss allowance to noncurrent loans | 204.2553% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 4,198 |
| Noncurrent loans to loans | 0.7910% | 3,607 |
| Net loans and leases to total assets | 36.7650% | 6,002 |
| Net loans and leases to deposits | 42.0576% | 6,049 |
| Net loans and leases to core deposits | 42.0576% | 6,114 |
| Total domestic deposits to total assets | 87.4159% | 2,082 |
| Equity capital to assets | 12.2131% | 1,899 |
| Core capital (leverage) ratio | 12.4895% | 1,406 |
| Tier 1 risk-based capital ratio | 25.6499% | 818 |
| Total risk-based capital ratio | 26.8966% | 801 |
| Memoranda: | ||
| Average total assets | $15,405,500 | 6,542 |
| Average earning assets | $13,420,000 | 6,532 |
| Average equity | $1,869,000 | 6,496 |
| Average total loans | $5,886,500 | 6,496 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 304 |
| Cost of funding earning assets | 0.2238% | 5,712 |
| Net interest margin | 5.2813% | 174 |
| Noninterest income to average assets | 0.6037% | 2,798 |
| Noninterest expense to average assets | 3.5957% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1942% | 1,611 |
| Return on assets (ROA) | 1.1942% | 1,678 |
| Pretax return on assets | 1.6535% | 1,130 |
| Return on Equity (ROE) | 9.8663% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.8663% | 751 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5000% | 3,918 |
| Assets per employee ($millions) | 2.5203% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 2,182 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 4,326 |
| Noncurrent loans to loans | 0.7202% | 3,899 |
| Net loans and leases to total assets | 37.9183% | 5,963 |
| Net loans and leases to deposits | 43.5251% | 6,006 |
| Net loans and leases to core deposits | 43.5251% | 6,089 |
| Total domestic deposits to total assets | 87.1181% | 2,391 |
| Equity capital to assets | 12.5909% | 1,589 |
| Core capital (leverage) ratio | 12.3770% | 1,460 |
| Tier 1 risk-based capital ratio | 25.9097% | 784 |
| Total risk-based capital ratio | 27.1591% | 767 |
| Memoranda: | ||
| Average total assets | $15,240,330 | 6,611 |
| Average earning assets | $13,405,670 | 6,598 |
| Average equity | $1,844,670 | 6,559 |
| Average total loans | $5,868,000 | 6,563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 428 |
| Cost of funding earning assets | 0.2099% | 5,917 |
| Net interest margin | 5.0669% | 236 |
| Noninterest income to average assets | 0.7582% | 1,920 |
| Noninterest expense to average assets | 3.5295% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0981% | 1,823 |
| Return on assets (ROA) | 1.0981% | 1,886 |
| Pretax return on assets | 1.6471% | 1,078 |
| Return on Equity (ROE) | 9.2562% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.2562% | 1,174 |
| Net charge-offs to loans | 0.0680% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 631 |
| Efficiency ratio | 68.1818% | 4,151 |
| Assets per employee ($millions) | 2.5557% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 2,514 |
| Loan loss allowance to noncurrent loans | 202.0833% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,373 |
| Noncurrent loans to loans | 0.8165% | 3,836 |
| Net loans and leases to total assets | 37.7071% | 5,962 |
| Net loans and leases to deposits | 42.9059% | 6,028 |
| Net loans and leases to core deposits | 43.7335% | 6,086 |
| Total domestic deposits to total assets | 87.8831% | 2,296 |
| Equity capital to assets | 11.9603% | 1,895 |
| Core capital (leverage) ratio | 11.9138% | 1,703 |
| Tier 1 risk-based capital ratio | 25.0917% | 879 |
| Total risk-based capital ratio | 26.3415% | 863 |
| Memoranda: | ||
| Average total assets | $15,299,500 | 6,682 |
| Average earning assets | $13,341,500 | 6,672 |
| Average equity | $1,815,000 | 6,627 |
| Average total loans | $5,886,000 | 6,631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 258 |
| Cost of funding earning assets | 0.2205% | 6,175 |
| Net interest margin | 5.5126% | 132 |
| Noninterest income to average assets | 0.4852% | 3,853 |
| Noninterest expense to average assets | 3.4754% | 1,714 |
| Loan and lease loss provision to assets | 0.2033% | 1,826 |
| Net operating income to assets | 1.2524% | 1,383 |
| Return on assets (ROA) | 1.2524% | 1,440 |
| Pretax return on assets | 1.5606% | 1,268 |
| Return on Equity (ROE) | 10.3199% | 1,984 |
| Retained earnings to average equity (ytd only) | 2.2153% | 4,670 |
| Net charge-offs to loans | 0.4183% | 1,600 |
| Credit loss provision to net charge-offs | 129.1667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 11.2083% | 2,263 |
| Efficiency ratio | 66.3329% | 4,505 |
| Assets per employee ($millions) | 2.5442% | 6,368 |
| Cash dividends to net income (ytd only)* | 78.5340% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,526 |
| Loan loss allowance to noncurrent loans | 192.1569% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 3,725 |
| Noncurrent loans to loans | 0.8654% | 3,815 |
| Net loans and leases to total assets | 37.9627% | 6,094 |
| Net loans and leases to deposits | 43.2076% | 6,161 |
| Net loans and leases to core deposits | 44.0450% | 6,221 |
| Total domestic deposits to total assets | 87.8611% | 2,263 |
| Equity capital to assets | 11.7655% | 1,972 |
| Core capital (leverage) ratio | 11.5555% | 1,919 |
| Tier 1 risk-based capital ratio | 24.3715% | 916 |
| Total risk-based capital ratio | 25.6961% | 896 |
| Memoranda: | ||
| Average total assets | $15,250,200 | 6,760 |
| Average earning assets | $13,151,800 | 6,757 |
| Average equity | $1,850,800 | 6,713 |
| Average total loans | $5,737,200 | 6,714 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 345 |
| Cost of funding earning assets | 0.2223% | 6,282 |
| Net interest margin | 5.3244% | 186 |
| Noninterest income to average assets | 0.4985% | 3,816 |
| Noninterest expense to average assets | 3.1744% | 2,438 |
| Loan and lease loss provision to assets | 0.1399% | 2,546 |
| Net operating income to assets | 1.4429% | 999 |
| Return on assets (ROA) | 1.4429% | 1,055 |
| Pretax return on assets | 1.7927% | 920 |
| Return on Equity (ROE) | 11.7989% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.7989% | 450 |
| Net charge-offs to loans | 0.4212% | 1,520 |
| Credit loss provision to net charge-offs | 88.8889% | 2,657 |
| Earnings coverage of net charge-offs (x) | 12.2775% | 2,148 |
| Efficiency ratio | 62.1575% | 5,112 |
| Assets per employee ($millions) | 2.4797% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 3,351 |
| Loan loss allowance to noncurrent loans | 240.5405% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 4,117 |
| Noncurrent loans to loans | 0.6343% | 4,608 |
| Net loans and leases to total assets | 38.6073% | 6,131 |
| Net loans and leases to deposits | 44.6171% | 6,180 |
| Net loans and leases to core deposits | 45.5187% | 6,233 |
| Total domestic deposits to total assets | 86.5304% | 2,947 |
| Equity capital to assets | 12.9184% | 1,366 |
| Core capital (leverage) ratio | 12.8239% | 1,270 |
| Tier 1 risk-based capital ratio | 17.8208% | 2,393 |
| Total risk-based capital ratio | 18.6447% | 2,517 |
| Memoranda: | ||
| Average total assets | $15,246,500 | 6,838 |
| Average earning assets | $13,196,750 | 6,834 |
| Average equity | $1,864,500 | 6,793 |
| Average total loans | $5,698,250 | 6,793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4295% | 424 |
| Cost of funding earning assets | 0.2269% | 6,331 |
| Net interest margin | 5.2027% | 204 |
| Noninterest income to average assets | 0.4685% | 4,035 |
| Noninterest expense to average assets | 2.8498% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7177% | 604 |
| Return on assets (ROA) | 1.7177% | 657 |
| Pretax return on assets | 2.0951% | 498 |
| Return on Equity (ROE) | 14.3064% | 945 |
| Retained earnings to average equity (ytd only) | 14.3064% | 282 |
| Net charge-offs to loans | 0.1769% | 2,700 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 1,096 |
| Efficiency ratio | 57.6316% | 5,785 |
| Assets per employee ($millions) | 2.5182% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,649 |
| Loan loss allowance to noncurrent loans | 175.5102% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 4,074 |
| Noncurrent loans to loans | 0.8466% | 4,228 |
| Net loans and leases to total assets | 37.7391% | 6,191 |
| Net loans and leases to deposits | 43.3678% | 6,262 |
| Net loans and leases to core deposits | 44.2255% | 6,326 |
| Total domestic deposits to total assets | 87.0210% | 2,808 |
| Equity capital to assets | 12.5488% | 1,548 |
| Core capital (leverage) ratio | 12.2112% | 1,502 |
| Tier 1 risk-based capital ratio | 26.1543% | 759 |
| Total risk-based capital ratio | 27.3431% | 745 |
| Memoranda: | ||
| Average total assets | $15,369,330 | 6,886 |
| Average earning assets | $13,224,000 | 6,883 |
| Average equity | $1,845,330 | 6,840 |
| Average total loans | $5,653,330 | 6,845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 439 |
| Cost of funding earning assets | 0.2435% | 6,328 |
| Net interest margin | 5.1434% | 215 |
| Noninterest income to average assets | 0.4645% | 4,024 |
| Noninterest expense to average assets | 3.3549% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3420% | 1,171 |
| Return on assets (ROA) | 1.3420% | 1,267 |
| Pretax return on assets | 1.4710% | 1,645 |
| Return on Equity (ROE) | 11.4286% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.4286% | 797 |
| Net charge-offs to loans | 0.3580% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,664 |
| Efficiency ratio | 69.5187% | 4,053 |
| Assets per employee ($millions) | 2.6050% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 3,725 |
| Loan loss allowance to noncurrent loans | 138.7097% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 4,073 |
| Noncurrent loans to loans | 1.0983% | 3,946 |
| Net loans and leases to total assets | 35.5662% | 6,326 |
| Net loans and leases to deposits | 40.4674% | 6,399 |
| Net loans and leases to core deposits | 41.2266% | 6,429 |
| Total domestic deposits to total assets | 87.8887% | 2,388 |
| Equity capital to assets | 11.8106% | 2,168 |
| Core capital (leverage) ratio | 11.5451% | 1,849 |
| Tier 1 risk-based capital ratio | 25.1807% | 866 |
| Total risk-based capital ratio | 26.3758% | 858 |
| Memoranda: | ||
| Average total assets | $15,499,500 | 6,960 |
| Average earning assets | $13,143,000 | 6,957 |
| Average equity | $1,820,000 | 6,911 |
| Average total loans | $5,586,000 | 6,917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1176% | 1,268 |
| Cost of funding earning assets | 0.2717% | 6,582 |
| Net interest margin | 4.8460% | 503 |
| Noninterest income to average assets | 0.5363% | 3,674 |
| Noninterest expense to average assets | 3.8390% | 1,189 |
| Loan and lease loss provision to assets | 0.0916% | 4,533 |
| Net operating income to assets | 0.7129% | 3,680 |
| Return on assets (ROA) | 0.7129% | 3,938 |
| Pretax return on assets | 0.9221% | 3,847 |
| Return on Equity (ROE) | 5.6901% | 4,317 |
| Retained earnings to average equity (ytd only) | -6.0555% | 6,485 |
| Net charge-offs to loans | 0.1099% | 4,574 |
| Credit loss provision to net charge-offs | 233.3333% | 1,057 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,122 |
| Efficiency ratio | 79.1105% | 2,264 |
| Assets per employee ($millions) | 2.5615% | 6,568 |
| Cash dividends to net income (ytd only)* | 206.4220% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 3,126 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 4,544 |
| Noncurrent loans to loans | 0.6333% | 4,941 |
| Net loans and leases to total assets | 35.3699% | 6,473 |
| Net loans and leases to deposits | 40.1536% | 6,542 |
| Net loans and leases to core deposits | 40.9183% | 6,586 |
| Total domestic deposits to total assets | 88.0864% | 2,182 |
| Equity capital to assets | 11.6728% | 2,290 |
| Core capital (leverage) ratio | 11.5003% | 1,876 |
| Tier 1 risk-based capital ratio | 24.9575% | 857 |
| Total risk-based capital ratio | 26.2479% | 845 |
| Memoranda: | ||
| Average total assets | $15,290,600 | 7,024 |
| Average earning assets | $13,619,600 | 7,017 |
| Average equity | $1,915,600 | 6,960 |
| Average total loans | $5,460,600 | 6,990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 1,558 |
| Cost of funding earning assets | 0.2844% | 6,677 |
| Net interest margin | 4.7664% | 592 |
| Noninterest income to average assets | 0.5239% | 3,778 |
| Noninterest expense to average assets | 3.5448% | 1,662 |
| Loan and lease loss provision to assets | 0.1048% | 4,262 |
| Net operating income to assets | 0.8644% | 3,162 |
| Return on assets (ROA) | 0.8644% | 3,401 |
| Pretax return on assets | 1.1176% | 3,284 |
| Return on Equity (ROE) | 6.7831% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.7831% | 2,235 |
| Net charge-offs to loans | 0.1225% | 4,152 |
| Credit loss provision to net charge-offs | 240.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 27.9850% | 1,161 |
| Efficiency ratio | 74.3590% | 2,924 |
| Assets per employee ($millions) | 2.5393% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 3,361 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 4,409 |
| Noncurrent loans to loans | 1.0953% | 4,239 |
| Net loans and leases to total assets | 35.3636% | 6,590 |
| Net loans and leases to deposits | 40.9921% | 6,644 |
| Net loans and leases to core deposits | 41.7966% | 6,674 |
| Total domestic deposits to total assets | 86.2694% | 3,108 |
| Equity capital to assets | 13.2187% | 1,487 |
| Core capital (leverage) ratio | 12.8531% | 1,249 |
| Tier 1 risk-based capital ratio | 28.0023% | 659 |
| Total risk-based capital ratio | 29.2783% | 642 |
| Memoranda: | ||
| Average total assets | $15,271,000 | 7,118 |
| Average earning assets | $13,594,750 | 7,111 |
| Average equity | $1,946,000 | 7,050 |
| Average total loans | $5,444,000 | 7,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 1,771 |
| Cost of funding earning assets | 0.3084% | 6,703 |
| Net interest margin | 4.6987% | 674 |
| Noninterest income to average assets | 0.5889% | 3,328 |
| Noninterest expense to average assets | 3.3764% | 2,089 |
| Loan and lease loss provision to assets | 0.1570% | 3,551 |
| Net operating income to assets | 0.9553% | 2,637 |
| Return on assets (ROA) | 0.9553% | 2,889 |
| Pretax return on assets | 1.2432% | 2,752 |
| Return on Equity (ROE) | 7.5910% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.5910% | 1,821 |
| Net charge-offs to loans | -0.2945% | 7,071 |
| Credit loss provision to net charge-offs | -150.0000% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6849% | 3,656 |
| Assets per employee ($millions) | 2.5297% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 2,657 |
| Loan loss allowance to noncurrent loans | 103.0000% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 4,273 |
| Noncurrent loans to loans | 1.8113% | 3,197 |
| Net loans and leases to total assets | 35.6964% | 6,623 |
| Net loans and leases to deposits | 41.1483% | 6,695 |
| Net loans and leases to core deposits | 41.9545% | 6,737 |
| Total domestic deposits to total assets | 86.7506% | 2,927 |
| Equity capital to assets | 12.9134% | 1,560 |
| Core capital (leverage) ratio | 12.8317% | 1,208 |
| Tier 1 risk-based capital ratio | 27.5166% | 684 |
| Total risk-based capital ratio | 28.9708% | 651 |
| Memoranda: | ||
| Average total assets | $15,282,670 | 7,179 |
| Average earning assets | $13,620,670 | 7,170 |
| Average equity | $1,923,330 | 7,101 |
| Average total loans | $5,432,670 | 7,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0007% | 1,881 |
| Cost of funding earning assets | 0.3255% | 6,748 |
| Net interest margin | 4.6752% | 718 |
| Noninterest income to average assets | 0.5478% | 3,580 |
| Noninterest expense to average assets | 3.4170% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9912% | 2,514 |
| Return on assets (ROA) | 0.9912% | 2,708 |
| Pretax return on assets | 1.2520% | 2,715 |
| Return on Equity (ROE) | 7.9790% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.9790% | 1,988 |
| Net charge-offs to loans | -0.2227% | 7,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1844% | 3,227 |
| Assets per employee ($millions) | 2.5895% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,752 |
| Loan loss allowance to noncurrent loans | 78.8991% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 4,317 |
| Noncurrent loans to loans | 2.0208% | 3,127 |
| Net loans and leases to total assets | 34.1636% | 6,729 |
| Net loans and leases to deposits | 39.1243% | 6,776 |
| Net loans and leases to core deposits | 40.6432% | 6,798 |
| Total domestic deposits to total assets | 87.3206% | 2,758 |
| Equity capital to assets | 12.4091% | 1,784 |
| Core capital (leverage) ratio | 12.3580% | 1,407 |
| Tier 1 risk-based capital ratio | 25.8509% | 818 |
| Total risk-based capital ratio | 27.0124% | 808 |
| Memoranda: | ||
| Average total assets | $15,335,000 | 7,237 |
| Average earning assets | $13,518,000 | 7,234 |
| Average equity | $1,905,000 | 7,161 |
| Average total loans | $5,388,500 | 7,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 2,538 |
| Cost of funding earning assets | 0.5157% | 6,467 |
| Net interest margin | 4.5623% | 992 |
| Noninterest income to average assets | 0.6740% | 2,762 |
| Noninterest expense to average assets | 3.7460% | 1,451 |
| Loan and lease loss provision to assets | 0.2268% | 3,935 |
| Net operating income to assets | 0.6675% | 3,645 |
| Return on assets (ROA) | 0.6675% | 3,832 |
| Pretax return on assets | 0.8296% | 3,870 |
| Return on Equity (ROE) | 5.6241% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.6241% | 2,230 |
| Net charge-offs to loans | 0.8863% | 1,963 |
| Credit loss provision to net charge-offs | 76.0870% | 4,634 |
| Earnings coverage of net charge-offs (x) | 3.5435% | 3,477 |
| Efficiency ratio | 78.0027% | 2,585 |
| Assets per employee ($millions) | 2.5222% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,823 |
| Loan loss allowance to noncurrent loans | 74.1071% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 4,340 |
| Noncurrent loans to loans | 2.0806% | 3,093 |
| Net loans and leases to total assets | 35.0228% | 6,815 |
| Net loans and leases to deposits | 40.1150% | 6,875 |
| Net loans and leases to core deposits | 41.7159% | 6,894 |
| Total domestic deposits to total assets | 87.3059% | 2,580 |
| Equity capital to assets | 12.4364% | 1,832 |
| Core capital (leverage) ratio | 11.8934% | 1,662 |
| Tier 1 risk-based capital ratio | 24.9169% | 876 |
| Total risk-based capital ratio | 26.0066% | 885 |
| Memoranda: | ||
| Average total assets | $15,429,600 | 7,282 |
| Average earning assets | $13,962,400 | 7,264 |
| Average equity | $1,831,400 | 7,235 |
| Average total loans | $5,190,400 | 7,266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 2,916 |
| Cost of funding earning assets | 0.5318% | 6,571 |
| Net interest margin | 4.5019% | 1,150 |
| Noninterest income to average assets | 0.6622% | 2,811 |
| Noninterest expense to average assets | 3.5346% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9632% | 2,467 |
| Return on assets (ROA) | 0.9632% | 2,636 |
| Pretax return on assets | 1.2040% | 2,615 |
| Return on Equity (ROE) | 8.2106% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.2106% | 1,425 |
| Net charge-offs to loans | -0.2075% | 7,266 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5917% | 3,068 |
| Assets per employee ($millions) | 2.6900% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 2,758 |
| Loan loss allowance to noncurrent loans | 93.5780% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 4,537 |
| Noncurrent loans to loans | 1.9847% | 3,390 |
| Net loans and leases to total assets | 33.3953% | 6,981 |
| Net loans and leases to deposits | 39.8139% | 6,979 |
| Net loans and leases to core deposits | 41.3534% | 6,997 |
| Total domestic deposits to total assets | 83.8786% | 4,289 |
| Equity capital to assets | 11.8340% | 2,390 |
| Core capital (leverage) ratio | 12.0885% | 1,659 |
| Tier 1 risk-based capital ratio | 24.0582% | 1,002 |
| Total risk-based capital ratio | 25.3097% | 990 |
| Memoranda: | ||
| Average total assets | $15,503,750 | 7,359 |
| Average earning assets | $14,038,000 | 7,338 |
| Average equity | $1,818,750 | 7,312 |
| Average total loans | $5,142,250 | 7,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 2,739 |
| Cost of funding earning assets | 0.5848% | 6,524 |
| Net interest margin | 4.5030% | 1,126 |
| Noninterest income to average assets | 0.7455% | 2,281 |
| Noninterest expense to average assets | 3.5444% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0071% | 2,200 |
| Return on assets (ROA) | 1.0071% | 2,298 |
| Pretax return on assets | 1.2294% | 2,375 |
| Return on Equity (ROE) | 8.6114% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.6114% | 1,230 |
| Net charge-offs to loans | -0.2388% | 7,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2466% | 3,316 |
| Assets per employee ($millions) | 2.5600% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 2,615 |
| Loan loss allowance to noncurrent loans | 62.8931% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 4,509 |
| Noncurrent loans to loans | 3.0501% | 2,370 |
| Net loans and leases to total assets | 33.2878% | 7,068 |
| Net loans and leases to deposits | 38.6441% | 7,103 |
| Net loans and leases to core deposits | 40.1744% | 7,123 |
| Total domestic deposits to total assets | 86.1393% | 3,249 |
| Equity capital to assets | 12.1354% | 2,005 |
| Core capital (leverage) ratio | 11.8910% | 1,676 |
| Tier 1 risk-based capital ratio | 25.2525% | 880 |
| Total risk-based capital ratio | 26.5220% | 862 |
| Memoranda: | ||
| Average total assets | $15,291,670 | 7,432 |
| Average earning assets | $13,679,670 | 7,415 |
| Average equity | $1,788,330 | 7,386 |
| Average total loans | $5,025,670 | 7,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 2,338 |
| Cost of funding earning assets | 0.6207% | 6,522 |
| Net interest margin | 4.5520% | 958 |
| Noninterest income to average assets | 0.7341% | 2,366 |
| Noninterest expense to average assets | 3.6441% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9962% | 2,194 |
| Return on assets (ROA) | 0.9962% | 2,240 |
| Pretax return on assets | 1.1273% | 2,659 |
| Return on Equity (ROE) | 8.6832% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.6832% | 1,498 |
| Net charge-offs to loans | -0.3244% | 7,350 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3736% | 3,094 |
| Assets per employee ($millions) | 2.5505% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 2,441 |
| Loan loss allowance to noncurrent loans | 54.1436% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 4,300 |
| Noncurrent loans to loans | 3.6849% | 2,002 |
| Net loans and leases to total assets | 31.4579% | 7,186 |
| Net loans and leases to deposits | 35.6461% | 7,235 |
| Net loans and leases to core deposits | 36.3211% | 7,252 |
| Total domestic deposits to total assets | 88.2507% | 2,220 |
| Equity capital to assets | 11.5990% | 2,195 |
| Core capital (leverage) ratio | 11.7304% | 1,717 |
| Tier 1 risk-based capital ratio | 25.2511% | 852 |
| Total risk-based capital ratio | 26.6183% | 823 |
| Memoranda: | ||
| Average total assets | $15,257,500 | 7,492 |
| Average earning assets | $13,532,500 | 7,478 |
| Average equity | $1,750,500 | 7,439 |
| Average total loans | $4,932,000 | 7,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 1,933 |
| Cost of funding earning assets | 0.8541% | 6,355 |
| Net interest margin | 4.7372% | 752 |
| Noninterest income to average assets | 0.6994% | 2,846 |
| Noninterest expense to average assets | 3.7888% | 1,507 |
| Loan and lease loss provision to assets | 1.0185% | 1,592 |
| Net operating income to assets | 0.0475% | 5,703 |
| Return on assets (ROA) | 0.0475% | 5,847 |
| Pretax return on assets | -0.0407% | 5,945 |
| Return on Equity (ROE) | 0.3907% | 5,854 |
| Retained earnings to average equity (ytd only) | 0.3907% | 5,383 |
| Net charge-offs to loans | 2.6538% | 688 |
| Credit loss provision to net charge-offs | 120.9677% | 3,482 |
| Earnings coverage of net charge-offs (x) | 1.1613% | 4,946 |
| Efficiency ratio | 79.4872% | 2,484 |
| Assets per employee ($millions) | 2.5353% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,571 |
| Loan loss allowance to noncurrent loans | 35.7414% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.8932% | 3,493 |
| Noncurrent loans to loans | 5.3110% | 1,247 |
| Net loans and leases to total assets | 31.9353% | 7,290 |
| Net loans and leases to deposits | 36.0680% | 7,345 |
| Net loans and leases to core deposits | 36.7529% | 7,376 |
| Total domestic deposits to total assets | 88.5419% | 1,927 |
| Equity capital to assets | 11.3463% | 2,376 |
| Core capital (leverage) ratio | 11.8783% | 1,632 |
| Tier 1 risk-based capital ratio | 24.3943% | 899 |
| Total risk-based capital ratio | 25.6883% | 879 |
| Memoranda: | ||
| Average total assets | $14,727,600 | 7,575 |
| Average earning assets | $12,644,600 | 7,569 |
| Average equity | $1,791,600 | 7,541 |
| Average total loans | $4,672,600 | 7,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 1,970 |
| Cost of funding earning assets | 0.8932% | 6,416 |
| Net interest margin | 4.7318% | 780 |
| Noninterest income to average assets | 0.6755% | 2,979 |
| Noninterest expense to average assets | 3.5508% | 1,904 |
| Loan and lease loss provision to assets | 0.7759% | 1,969 |
| Net operating income to assets | 0.4473% | 4,550 |
| Return on assets (ROA) | 0.4473% | 4,742 |
| Pretax return on assets | 0.4108% | 5,188 |
| Return on Equity (ROE) | 3.6134% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.6134% | 3,905 |
| Net charge-offs to loans | 2.2304% | 801 |
| Credit loss provision to net charge-offs | 110.3896% | 3,833 |
| Earnings coverage of net charge-offs (x) | 1.6884% | 4,436 |
| Efficiency ratio | 74.9518% | 3,155 |
| Assets per employee ($millions) | 2.4565% | 7,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 3,510 |
| Loan loss allowance to noncurrent loans | 42.2222% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3909% | 4,374 |
| Noncurrent loans to loans | 3.8007% | 2,030 |
| Net loans and leases to total assets | 31.6168% | 7,423 |
| Net loans and leases to deposits | 36.3070% | 7,465 |
| Net loans and leases to core deposits | 36.3070% | 7,497 |
| Total domestic deposits to total assets | 87.0819% | 2,480 |
| Equity capital to assets | 12.4025% | 1,910 |
| Core capital (leverage) ratio | 12.2336% | 1,544 |
| Tier 1 risk-based capital ratio | 12.2443% | 5,228 |
| Total risk-based capital ratio | 12.7573% | 5,915 |
| Memoranda: | ||
| Average total assets | $14,606,500 | 7,676 |
| Average earning assets | $12,539,000 | 7,672 |
| Average equity | $1,808,000 | 7,639 |
| Average total loans | $4,602,750 | 7,664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 1,765 |
| Cost of funding earning assets | 0.9153% | 6,518 |
| Net interest margin | 4.7852% | 670 |
| Noninterest income to average assets | 0.6867% | 2,778 |
| Noninterest expense to average assets | 3.5022% | 2,026 |
| Loan and lease loss provision to assets | 1.1674% | 1,215 |
| Net operating income to assets | 0.0275% | 6,042 |
| Return on assets (ROA) | 0.0275% | 6,138 |
| Pretax return on assets | 0.1099% | 5,958 |
| Return on Equity (ROE) | 0.2221% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.2221% | 5,662 |
| Net charge-offs to loans | 3.2468% | 472 |
| Credit loss provision to net charge-offs | 114.8649% | 3,542 |
| Earnings coverage of net charge-offs (x) | 1.2568% | 4,563 |
| Efficiency ratio | 73.2759% | 3,601 |
| Assets per employee ($millions) | 2.4297% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,980 |
| Loan loss allowance to noncurrent loans | 38.7255% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.6738% | 3,927 |
| Noncurrent loans to loans | 4.4541% | 1,640 |
| Net loans and leases to total assets | 30.8753% | 7,512 |
| Net loans and leases to deposits | 35.3685% | 7,546 |
| Net loans and leases to core deposits | 35.3685% | 7,577 |
| Total domestic deposits to total assets | 87.2959% | 2,382 |
| Equity capital to assets | 12.3131% | 1,921 |
| Core capital (leverage) ratio | 11.9231% | 1,687 |
| Tier 1 risk-based capital ratio | 12.0895% | 5,236 |
| Total risk-based capital ratio | 12.6300% | 5,861 |
| Memoranda: | ||
| Average total assets | $14,562,330 | 7,741 |
| Average earning assets | $12,455,000 | 7,740 |
| Average equity | $1,801,330 | 7,701 |
| Average total loans | $4,558,330 | 7,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9058% | 1,192 |
| Cost of funding earning assets | 0.9731% | 6,500 |
| Net interest margin | 4.9327% | 485 |
| Noninterest income to average assets | 0.6871% | 2,685 |
| Noninterest expense to average assets | 3.2979% | 2,539 |
| Loan and lease loss provision to assets | 0.6871% | 1,852 |
| Net operating income to assets | 0.3023% | 5,293 |
| Return on assets (ROA) | 0.3023% | 5,422 |
| Pretax return on assets | 0.7420% | 4,088 |
| Return on Equity (ROE) | 2.4383% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.4383% | 4,676 |
| Net charge-offs to loans | 7.1248% | 129 |
| Credit loss provision to net charge-offs | 30.8642% | 4,800 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 4,455 |
| Efficiency ratio | 69.7674% | 4,355 |
| Assets per employee ($millions) | 2.4592% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2629% | 7,778 |
| Loan loss allowance to noncurrent loans | 6.8571% | 7,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 4,395 |
| Noncurrent loans to loans | 3.8335% | 2,067 |
| Net loans and leases to total assets | 30.8573% | 7,596 |
| Net loans and leases to deposits | 35.2973% | 7,637 |
| Net loans and leases to core deposits | 35.2973% | 7,664 |
| Total domestic deposits to total assets | 87.4212% | 2,403 |
| Equity capital to assets | 12.1450% | 1,958 |
| Core capital (leverage) ratio | 12.0847% | 1,606 |
| Tier 1 risk-based capital ratio | 12.0200% | 5,179 |
| Total risk-based capital ratio | 12.1013% | 6,278 |
| Memoranda: | ||
| Average total assets | $14,554,500 | 7,841 |
| Average earning assets | $11,920,500 | 7,851 |
| Average equity | $1,804,500 | 7,786 |
| Average total loans | $4,547,500 | 7,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 2,584 |
| Cost of funding earning assets | 1.2698% | 6,406 |
| Net interest margin | 4.5483% | 1,079 |
| Noninterest income to average assets | 0.8308% | 2,267 |
| Noninterest expense to average assets | 3.8356% | 1,621 |
| Loan and lease loss provision to assets | 0.7616% | 2,828 |
| Net operating income to assets | 0.2908% | 4,569 |
| Return on assets (ROA) | -1.9732% | 7,084 |
| Pretax return on assets | -1.9386% | 6,919 |
| Return on Equity (ROE) | -14.4714% | 6,906 |
| Retained earnings to average equity (ytd only) | -14.4714% | 6,850 |
| Net charge-offs to loans | 2.2228% | 1,066 |
| Credit loss provision to net charge-offs | 129.4118% | 3,966 |
| Earnings coverage of net charge-offs (x) | 1.8471% | 4,337 |
| Efficiency ratio | 77.9184% | 3,209 |
| Assets per employee ($millions) | 2.3923% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,720 |
| Loan loss allowance to noncurrent loans | 52.7132% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 4,829 |
| Noncurrent loans to loans | 2.8477% | 2,704 |
| Net loans and leases to total assets | 31.0854% | 7,688 |
| Net loans and leases to deposits | 35.7389% | 7,730 |
| Net loans and leases to core deposits | 39.6340% | 7,760 |
| Total domestic deposits to total assets | 86.9792% | 2,524 |
| Equity capital to assets | 12.6585% | 1,672 |
| Core capital (leverage) ratio | 12.2791% | 1,542 |
| Tier 1 risk-based capital ratio | 26.1481% | 750 |
| Total risk-based capital ratio | 27.1556% | 754 |
| Memoranda: | ||
| Average total assets | $14,443,600 | 7,908 |
| Average earning assets | $12,994,000 | 7,898 |
| Average equity | $1,969,400 | 7,846 |
| Average total loans | $3,824,000 | 7,924 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7966% | 2,911 |
| Cost of funding earning assets | 1.3495% | 6,399 |
| Net interest margin | 4.4472% | 1,324 |
| Noninterest income to average assets | 0.8479% | 2,214 |
| Noninterest expense to average assets | 3.8618% | 1,486 |
| Loan and lease loss provision to assets | 0.5438% | 3,216 |
| Net operating income to assets | 0.4056% | 4,376 |
| Return on assets (ROA) | -2.6083% | 7,489 |
| Pretax return on assets | -2.5622% | 7,368 |
| Return on Equity (ROE) | -18.7955% | 7,333 |
| Retained earnings to average equity (ytd only) | -18.7955% | 7,299 |
| Net charge-offs to loans | 0.7312% | 2,533 |
| Credit loss provision to net charge-offs | 295.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 5.3993% | 2,832 |
| Efficiency ratio | 79.5066% | 2,920 |
| Assets per employee ($millions) | 2.3970% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,138 |
| Loan loss allowance to noncurrent loans | 42.2680% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 4,051 |
| Noncurrent loans to loans | 4.3971% | 1,605 |
| Net loans and leases to total assets | 30.1071% | 7,802 |
| Net loans and leases to deposits | 34.7819% | 7,848 |
| Net loans and leases to core deposits | 38.5849% | 7,867 |
| Total domestic deposits to total assets | 86.5596% | 2,400 |
| Equity capital to assets | 12.7521% | 1,803 |
| Core capital (leverage) ratio | 12.1793% | 1,717 |
| Tier 1 risk-based capital ratio | 26.9084% | 754 |
| Total risk-based capital ratio | 28.1579% | 735 |
| Memoranda: | ||
| Average total assets | $14,466,000 | 7,987 |
| Average earning assets | $13,041,750 | 7,980 |
| Average equity | $2,007,500 | 7,921 |
| Average total loans | $3,647,500 | 8,009 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 4,324 |
| Cost of funding earning assets | 1.3511% | 6,644 |
| Net interest margin | 4.2017% | 1,993 |
| Noninterest income to average assets | 0.7727% | 2,570 |
| Noninterest expense to average assets | 3.7119% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8279% | 2,743 |
| Return on assets (ROA) | -3.6843% | 7,785 |
| Pretax return on assets | -3.5463% | 7,684 |
| Return on Equity (ROE) | -25.8554% | 7,642 |
| Retained earnings to average equity (ytd only) | -25.8554% | 7,608 |
| Net charge-offs to loans | 1.1790% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,418 |
| Efficiency ratio | 79.3510% | 3,142 |
| Assets per employee ($millions) | 2.4282% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5858% | 7,660 |
| Loan loss allowance to noncurrent loans | 9.0196% | 7,509 |
| Noncurrent assets plus other real estate owned to assets | 1.9219% | 3,315 |
| Noncurrent loans to loans | 6.4952% | 815 |
| Net loans and leases to total assets | 26.7898% | 7,954 |
| Net loans and leases to deposits | 31.0033% | 7,981 |
| Net loans and leases to core deposits | 34.6933% | 7,997 |
| Total domestic deposits to total assets | 86.4095% | 2,563 |
| Equity capital to assets | 12.8561% | 1,759 |
| Core capital (leverage) ratio | 12.2373% | 1,728 |
| Tier 1 risk-based capital ratio | 28.4892% | 686 |
| Total risk-based capital ratio | 28.8569% | 721 |
| Memoranda: | ||
| Average total assets | $14,494,000 | 8,076 |
| Average earning assets | $13,470,670 | 8,057 |
| Average equity | $2,065,330 | 7,991 |
| Average total loans | $3,392,670 | 8,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 3,821 |
| Cost of funding earning assets | 1.2166% | 7,264 |
| Net interest margin | 4.4805% | 1,173 |
| Noninterest income to average assets | 0.8024% | 2,306 |
| Noninterest expense to average assets | 3.7630% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0791% | 2,035 |
| Return on assets (ROA) | 1.0791% | 2,165 |
| Pretax return on assets | 1.2174% | 2,563 |
| Return on Equity (ROE) | 7.2172% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.2172% | 2,124 |
| Net charge-offs to loans | -0.1280% | 7,941 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5556% | 3,559 |
| Assets per employee ($millions) | 2.3863% | 7,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,058 |
| Loan loss allowance to noncurrent loans | 26.0355% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 3,953 |
| Noncurrent loans to loans | 5.0044% | 1,083 |
| Net loans and leases to total assets | 23.2784% | 8,047 |
| Net loans and leases to deposits | 27.6277% | 8,064 |
| Net loans and leases to core deposits | 30.2258% | 8,085 |
| Total domestic deposits to total assets | 84.2576% | 3,579 |
| Equity capital to assets | 15.1278% | 1,065 |
| Core capital (leverage) ratio | 14.2535% | 1,141 |
| Tier 1 risk-based capital ratio | 34.8406% | 441 |
| Total risk-based capital ratio | 35.5748% | 449 |
| Memoranda: | ||
| Average total assets | $14,456,500 | 8,130 |
| Average earning assets | $13,480,500 | 8,106 |
| Average equity | $2,161,500 | 8,021 |
| Average total loans | $3,126,000 | 8,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8988% | 6,043 |
| Cost of funding earning assets | 1.7029% | 7,256 |
| Net interest margin | 4.1959% | 2,329 |
| Noninterest income to average assets | 0.8053% | 2,487 |
| Noninterest expense to average assets | 3.6741% | 1,997 |
| Loan and lease loss provision to assets | 0.0863% | 6,301 |
| Net operating income to assets | 0.6687% | 4,030 |
| Return on assets (ROA) | 0.6687% | 3,878 |
| Pretax return on assets | 0.9778% | 3,456 |
| Return on Equity (ROE) | 4.3369% | 4,666 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.6141% | 1,999 |
| Credit loss provision to net charge-offs | 63.1579% | 6,188 |
| Earnings coverage of net charge-offs (x) | 7.7895% | 3,025 |
| Efficiency ratio | 77.5417% | 2,988 |
| Assets per employee ($millions) | 2.4325% | 7,343 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 2,720 |
| Loan loss allowance to noncurrent loans | 29.6552% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 3,884 |
| Noncurrent loans to loans | 5.0435% | 863 |
| Net loans and leases to total assets | 19.4039% | 8,159 |
| Net loans and leases to deposits | 22.9591% | 8,179 |
| Net loans and leases to core deposits | 25.0575% | 8,180 |
| Total domestic deposits to total assets | 84.5152% | 3,069 |
| Equity capital to assets | 14.7790% | 1,222 |
| Core capital (leverage) ratio | 14.2718% | 1,198 |
| Tier 1 risk-based capital ratio | 35.9600% | 420 |
| Total risk-based capital ratio | 36.7146% | 426 |
| Memoranda: | ||
| Average total assets | $13,908,200 | 8,187 |
| Average earning assets | $13,036,600 | 8,167 |
| Average equity | $2,144,400 | 8,089 |
| Average total loans | $3,094,200 | 8,216 |