Home > Pioneer State Bank > Performance and Condition Ratios
Pioneer State Bank, Performance and Condition Ratios
| 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 | 5.5336% | 588 |
| Cost of funding earning assets | 0.3507% | 4,073 |
| Net interest margin | 5.1828% | 226 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 8.9846% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -2.2550% | 4,655 |
| Return on assets (ROA) | -8.4914% | 4,679 |
| Pretax return on assets | -11.5847% | 4,684 |
| Return on Equity (ROE) | -150.3600% | 4,661 |
| Retained earnings to average equity (ytd only) | -881.0931% | 4,693 |
| Net charge-offs to loans | -0.0664% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 169.7085% | 32 |
| Assets per employee ($millions) | 5.0712% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,677 |
| Loan loss allowance to noncurrent loans | 3,138.8889% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,472 |
| Noncurrent loans to loans | 0.0441% | 3,420 |
| Net loans and leases to total assets | 68.9600% | 1,734 |
| Net loans and leases to deposits | 70.2190% | 2,590 |
| Net loans and leases to core deposits | 71.9745% | 2,815 |
| Total domestic deposits to total assets | 98.2100% | 16 |
| Equity capital to assets | -0.0051% | 4,682 |
| Core capital (leverage) ratio | -0.5050% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $119,226,000 | 3,729 |
| Average earning assets | $96,935,500 | 3,852 |
| Average equity | $6,733,000 | 4,155 |
| Average total loans | $84,384,500 | 3,410 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 603 |
| Cost of funding earning assets | 0.3342% | 2,595 |
| Net interest margin | 4.2766% | 449 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 3.1514% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4904% | 4,101 |
| Return on assets (ROA) | 0.4904% | 4,062 |
| Pretax return on assets | 0.4220% | 4,259 |
| Return on Equity (ROE) | 4.7300% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.0739% | 3,372 |
| Net charge-offs to loans | -0.0345% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.5745% | 374 |
| Assets per employee ($millions) | 5.0756% | 3,612 |
| Cash dividends to net income (ytd only)* | 13.9535% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 1,990 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,520 |
| Noncurrent loans to loans | 0.0413% | 3,475 |
| Net loans and leases to total assets | 70.6700% | 1,564 |
| Net loans and leases to deposits | 81.2544% | 1,674 |
| Net loans and leases to core deposits | 85.2960% | 1,797 |
| Total domestic deposits to total assets | 86.9700% | 2,399 |
| Equity capital to assets | 11.0594% | 1,232 |
| Core capital (leverage) ratio | 11.3307% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $131,530,200 | 3,618 |
| Average earning assets | $102,044,600 | 3,819 |
| Average equity | $13,623,400 | 3,513 |
| Average total loans | $84,113,200 | 3,354 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 644 |
| Cost of funding earning assets | 0.3404% | 1,783 |
| Net interest margin | 4.0151% | 621 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.9023% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4996% | 4,072 |
| Return on assets (ROA) | 0.4996% | 4,020 |
| Pretax return on assets | 0.4320% | 4,234 |
| Return on Equity (ROE) | 4.9000% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.0210% | 3,438 |
| Net charge-offs to loans | -0.0352% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.3582% | 450 |
| Assets per employee ($millions) | 5.1214% | 3,571 |
| Cash dividends to net income (ytd only)* | 17.9283% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,918 |
| Loan loss allowance to noncurrent loans | 221.5569% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 1,439 |
| Noncurrent loans to loans | 0.5975% | 1,350 |
| Net loans and leases to total assets | 62.1300% | 2,272 |
| Net loans and leases to deposits | 73.1428% | 2,116 |
| Net loans and leases to core deposits | 76.1851% | 2,182 |
| Total domestic deposits to total assets | 84.9500% | 3,300 |
| Equity capital to assets | 10.0236% | 1,612 |
| Core capital (leverage) ratio | 10.9165% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $133,959,000 | 3,619 |
| Average earning assets | $102,609,250 | 3,833 |
| Average equity | $13,661,250 | 3,548 |
| Average total loans | $83,341,250 | 3,373 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 758 |
| Cost of funding earning assets | 0.3390% | 1,374 |
| Net interest margin | 3.7654% | 809 |
| Noninterest income to average assets | 0.2637% | 3,592 |
| Noninterest expense to average assets | 2.8161% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4440% | 4,015 |
| Return on assets (ROA) | 0.4440% | 3,968 |
| Pretax return on assets | 0.3770% | 4,192 |
| Return on Equity (ROE) | 4.3295% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.3295% | 2,960 |
| Net charge-offs to loans | -0.0361% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4942% | 514 |
| Assets per employee ($millions) | 4.6030% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,066 |
| Loan loss allowance to noncurrent loans | 2,248.9796% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,613 |
| Noncurrent loans to loans | 0.0590% | 3,509 |
| Net loans and leases to total assets | 61.4205% | 2,181 |
| Net loans and leases to deposits | 72.8319% | 1,969 |
| Net loans and leases to core deposits | 76.0502% | 2,011 |
| Total domestic deposits to total assets | 84.3319% | 3,617 |
| Equity capital to assets | 10.1065% | 1,652 |
| Core capital (leverage) ratio | 10.7177% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,226,667 | 3,660 |
| Average earning assets | $104,423,333 | 3,865 |
| Average equity | $13,766,000 | 3,609 |
| Average total loans | $83,173,667 | 3,409 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 632 |
| Cost of funding earning assets | 0.3486% | 1,215 |
| Net interest margin | 3.7562% | 681 |
| Noninterest income to average assets | 0.2823% | 3,440 |
| Noninterest expense to average assets | 2.7282% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6003% | 3,393 |
| Return on assets (ROA) | 0.6003% | 3,374 |
| Pretax return on assets | 0.5320% | 3,810 |
| Return on Equity (ROE) | 5.8115% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.8115% | 2,310 |
| Net charge-offs to loans | -0.0336% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9535% | 918 |
| Assets per employee ($millions) | 5.0073% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 2,085 |
| Loan loss allowance to noncurrent loans | 174.9201% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 1,320 |
| Noncurrent loans to loans | 0.7757% | 1,228 |
| Net loans and leases to total assets | 58.8807% | 2,197 |
| Net loans and leases to deposits | 69.9025% | 1,976 |
| Net loans and leases to core deposits | 72.9525% | 2,028 |
| Total domestic deposits to total assets | 84.2326% | 3,720 |
| Equity capital to assets | 10.1696% | 1,778 |
| Core capital (leverage) ratio | 10.4840% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,596,000 | 3,671 |
| Average earning assets | $106,703,500 | 3,851 |
| Average equity | $13,903,500 | 3,668 |
| Average total loans | $83,215,000 | 3,414 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 828 |
| Cost of funding earning assets | 0.4405% | 1,259 |
| Net interest margin | 3.8771% | 876 |
| Noninterest income to average assets | 0.2498% | 3,872 |
| Noninterest expense to average assets | 2.7268% | 1,558 |
| Loan and lease loss provision to assets | 0.0540% | 1,977 |
| Net operating income to assets | 0.6761% | 3,681 |
| Return on assets (ROA) | 0.6761% | 3,731 |
| Pretax return on assets | 0.6106% | 4,088 |
| Return on Equity (ROE) | 6.3035% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.7222% | 2,906 |
| Net charge-offs to loans | 0.0483% | 1,341 |
| Credit loss provision to net charge-offs | 175.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 21.5500% | 1,821 |
| Efficiency ratio | 79.5635% | 833 |
| Assets per employee ($millions) | 4.7855% | 3,901 |
| Cash dividends to net income (ytd only)* | 25.0855% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,507 |
| Loan loss allowance to noncurrent loans | 2,176.0000% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,759 |
| Noncurrent loans to loans | 0.0583% | 3,661 |
| Net loans and leases to total assets | 63.1680% | 1,796 |
| Net loans and leases to deposits | 76.8655% | 1,500 |
| Net loans and leases to core deposits | 79.3948% | 1,648 |
| Total domestic deposits to total assets | 82.1799% | 3,935 |
| Equity capital to assets | 10.4914% | 2,183 |
| Core capital (leverage) ratio | 10.3888% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,714,600 | 3,685 |
| Average earning assets | $105,103,000 | 3,853 |
| Average equity | $13,913,000 | 3,748 |
| Average total loans | $82,785,800 | 3,428 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 791 |
| Cost of funding earning assets | 0.4530% | 1,334 |
| Net interest margin | 3.9608% | 846 |
| Noninterest income to average assets | 0.2601% | 3,843 |
| Noninterest expense to average assets | 2.6906% | 1,614 |
| Loan and lease loss provision to assets | 0.0723% | 1,593 |
| Net operating income to assets | 0.7431% | 3,670 |
| Return on assets (ROA) | 0.7431% | 3,731 |
| Pretax return on assets | 0.6778% | 4,108 |
| Return on Equity (ROE) | 6.8890% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.0243% | 2,810 |
| Net charge-offs to loans | 0.0780% | 888 |
| Credit loss provision to net charge-offs | 145.8333% | 1,371 |
| Earnings coverage of net charge-offs (x) | 15.0833% | 1,874 |
| Efficiency ratio | 77.3494% | 929 |
| Assets per employee ($millions) | 5.1375% | 3,562 |
| Cash dividends to net income (ytd only)* | 12.5523% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,375 |
| Loan loss allowance to noncurrent loans | 321.4286% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 2,516 |
| Noncurrent loans to loans | 0.4121% | 2,323 |
| Net loans and leases to total assets | 60.2306% | 2,221 |
| Net loans and leases to deposits | 73.2296% | 1,937 |
| Net loans and leases to core deposits | 75.6436% | 2,085 |
| Total domestic deposits to total assets | 82.2489% | 3,876 |
| Equity capital to assets | 10.6030% | 2,359 |
| Core capital (leverage) ratio | 10.3535% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,644,500 | 3,732 |
| Average earning assets | $103,310,250 | 3,920 |
| Average equity | $13,876,750 | 3,800 |
| Average total loans | $82,049,750 | 3,485 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 879 |
| Cost of funding earning assets | 0.4639% | 1,423 |
| Net interest margin | 3.9130% | 948 |
| Noninterest income to average assets | 0.2520% | 3,891 |
| Noninterest expense to average assets | 2.7055% | 1,578 |
| Loan and lease loss provision to assets | 0.1102% | 1,146 |
| Net operating income to assets | 0.6472% | 3,880 |
| Return on assets (ROA) | 0.6472% | 3,942 |
| Pretax return on assets | 0.5842% | 4,264 |
| Return on Equity (ROE) | 5.9646% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.9646% | 2,815 |
| Net charge-offs to loans | -0.0341% | 4,207 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6938% | 873 |
| Assets per employee ($millions) | 6.0305% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 2,103 |
| Loan loss allowance to noncurrent loans | 232.5866% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 2,125 |
| Noncurrent loans to loans | 0.5896% | 1,927 |
| Net loans and leases to total assets | 61.9115% | 2,189 |
| Net loans and leases to deposits | 75.5556% | 1,864 |
| Net loans and leases to core deposits | 77.7020% | 2,073 |
| Total domestic deposits to total assets | 81.9417% | 3,935 |
| Equity capital to assets | 10.5118% | 2,386 |
| Core capital (leverage) ratio | 10.5235% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,001,000 | 3,762 |
| Average earning assets | $102,172,000 | 3,952 |
| Average equity | $13,781,333 | 3,813 |
| Average total loans | $82,222,000 | 3,511 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 1,055 |
| Cost of funding earning assets | 0.4777% | 1,539 |
| Net interest margin | 3.8140% | 1,104 |
| Noninterest income to average assets | 0.2835% | 3,703 |
| Noninterest expense to average assets | 2.7801% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6443% | 3,823 |
| Return on assets (ROA) | 0.6443% | 3,894 |
| Pretax return on assets | 0.5895% | 4,205 |
| Return on Equity (ROE) | 5.8398% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.8398% | 2,950 |
| Net charge-offs to loans | -0.0343% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5488% | 727 |
| Assets per employee ($millions) | 5.6764% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,483 |
| Loan loss allowance to noncurrent loans | 133.6261% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 1,476 |
| Noncurrent loans to loans | 0.9655% | 1,402 |
| Net loans and leases to total assets | 62.4121% | 2,244 |
| Net loans and leases to deposits | 76.7754% | 1,824 |
| Net loans and leases to core deposits | 79.0094% | 2,093 |
| Total domestic deposits to total assets | 81.2918% | 4,015 |
| Equity capital to assets | 10.5463% | 2,220 |
| Core capital (leverage) ratio | 10.9815% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,166,500 | 3,812 |
| Average earning assets | $100,473,000 | 3,974 |
| Average equity | $13,699,000 | 3,824 |
| Average total loans | $81,693,000 | 3,531 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 1,054 |
| Cost of funding earning assets | 0.6357% | 2,083 |
| Net interest margin | 3.9894% | 992 |
| Noninterest income to average assets | 0.2868% | 3,767 |
| Noninterest expense to average assets | 2.9260% | 1,614 |
| Loan and lease loss provision to assets | 0.0846% | 3,319 |
| Net operating income to assets | 0.6084% | 3,727 |
| Return on assets (ROA) | 0.6084% | 3,847 |
| Pretax return on assets | 0.5407% | 4,200 |
| Return on Equity (ROE) | 5.0902% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.7798% | 3,472 |
| Net charge-offs to loans | -0.0221% | 4,452 |
| Credit loss provision to net charge-offs | -558.8235% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2892% | 793 |
| Assets per employee ($millions) | 5.3534% | 2,996 |
| Cash dividends to net income (ytd only)* | 45.3880% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 2,369 |
| Loan loss allowance to noncurrent loans | 144.1417% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 1,492 |
| Noncurrent loans to loans | 0.9080% | 1,553 |
| Net loans and leases to total assets | 67.7391% | 1,856 |
| Net loans and leases to deposits | 84.0717% | 1,448 |
| Net loans and leases to core deposits | 86.3465% | 1,844 |
| Total domestic deposits to total assets | 80.5730% | 3,949 |
| Equity capital to assets | 11.5722% | 1,834 |
| Core capital (leverage) ratio | 11.2794% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,269,800 | 3,852 |
| Average earning assets | $91,867,400 | 4,003 |
| Average equity | $13,418,000 | 3,822 |
| Average total loans | $76,838,000 | 3,613 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 972 |
| Cost of funding earning assets | 0.6668% | 2,218 |
| Net interest margin | 4.0777% | 936 |
| Noninterest income to average assets | 0.3030% | 3,673 |
| Noninterest expense to average assets | 2.9733% | 1,503 |
| Loan and lease loss provision to assets | 0.0902% | 3,182 |
| Net operating income to assets | 0.6096% | 3,730 |
| Return on assets (ROA) | 0.6096% | 3,834 |
| Pretax return on assets | 0.5555% | 4,188 |
| Return on Equity (ROE) | 5.0578% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.8631% | 3,573 |
| Net charge-offs to loans | -0.0352% | 4,579 |
| Credit loss provision to net charge-offs | -375.0000% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0631% | 790 |
| Assets per employee ($millions) | 4.8762% | 3,398 |
| Cash dividends to net income (ytd only)* | 43.3925% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,040 |
| Loan loss allowance to noncurrent loans | 126.8293% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,582 |
| Noncurrent loans to loans | 1.0483% | 1,425 |
| Net loans and leases to total assets | 65.9503% | 2,525 |
| Net loans and leases to deposits | 82.6801% | 2,045 |
| Net loans and leases to core deposits | 84.9553% | 2,385 |
| Total domestic deposits to total assets | 79.7657% | 3,911 |
| Equity capital to assets | 11.5604% | 1,957 |
| Core capital (leverage) ratio | 11.4944% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,893,750 | 3,868 |
| Average earning assets | $90,178,500 | 4,019 |
| Average equity | $13,365,250 | 3,834 |
| Average total loans | $75,838,250 | 3,643 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 1,152 |
| Cost of funding earning assets | 0.6986% | 2,389 |
| Net interest margin | 4.1107% | 1,089 |
| Noninterest income to average assets | 0.3068% | 3,621 |
| Noninterest expense to average assets | 3.0317% | 1,502 |
| Loan and lease loss provision to assets | 0.1378% | 2,644 |
| Net operating income to assets | 0.5659% | 3,841 |
| Return on assets (ROA) | 0.5659% | 3,923 |
| Pretax return on assets | 0.5108% | 4,233 |
| Return on Equity (ROE) | 4.6279% | 3,941 |
| Retained earnings to average equity (ytd only) | 1.3222% | 4,000 |
| Net charge-offs to loans | -0.0320% | 4,565 |
| Credit loss provision to net charge-offs | -625.0000% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2282% | 800 |
| Assets per employee ($millions) | 4.6859% | 3,547 |
| Cash dividends to net income (ytd only)* | 71.4286% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,829 |
| Loan loss allowance to noncurrent loans | 125.9756% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 1,614 |
| Noncurrent loans to loans | 1.0629% | 1,463 |
| Net loans and leases to total assets | 67.6812% | 2,413 |
| Net loans and leases to deposits | 85.6948% | 1,800 |
| Net loans and leases to core deposits | 88.1767% | 2,228 |
| Total domestic deposits to total assets | 78.9794% | 4,041 |
| Equity capital to assets | 11.8512% | 1,756 |
| Core capital (leverage) ratio | 11.8659% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,848,667 | 3,881 |
| Average earning assets | $89,327,667 | 4,035 |
| Average equity | $13,310,667 | 3,840 |
| Average total loans | $75,044,000 | 3,665 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 1,087 |
| Cost of funding earning assets | 0.7678% | 2,559 |
| Net interest margin | 4.1725% | 975 |
| Noninterest income to average assets | 0.3662% | 3,320 |
| Noninterest expense to average assets | 3.1800% | 1,469 |
| Loan and lease loss provision to assets | 0.1682% | 1,746 |
| Net operating income to assets | 0.4858% | 3,929 |
| Return on assets (ROA) | 0.4858% | 3,986 |
| Pretax return on assets | 0.4297% | 4,241 |
| Return on Equity (ROE) | 3.9092% | 3,974 |
| Retained earnings to average equity (ytd only) | 1.2028% | 3,695 |
| Net charge-offs to loans | -0.0432% | 4,585 |
| Credit loss provision to net charge-offs | -562.5000% | 3,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9871% | 901 |
| Assets per employee ($millions) | 4.4667% | 3,311 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,845 |
| Loan loss allowance to noncurrent loans | 120.4106% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 1,667 |
| Noncurrent loans to loans | 1.1326% | 1,468 |
| Net loans and leases to total assets | 67.2677% | 2,652 |
| Net loans and leases to deposits | 86.4848% | 1,932 |
| Net loans and leases to core deposits | 89.1580% | 2,430 |
| Total domestic deposits to total assets | 77.7799% | 4,255 |
| Equity capital to assets | 12.4450% | 1,767 |
| Core capital (leverage) ratio | 12.0110% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,042,500 | 3,885 |
| Average earning assets | $87,525,000 | 4,061 |
| Average equity | $13,302,000 | 3,853 |
| Average total loans | $73,992,000 | 3,683 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,871 |
| Cost of funding earning assets | 0.7721% | 2,821 |
| Net interest margin | 4.0879% | 1,576 |
| Noninterest income to average assets | 0.3250% | 3,745 |
| Noninterest expense to average assets | 3.4146% | 1,086 |
| Loan and lease loss provision to assets | 0.2738% | 652 |
| Net operating income to assets | 0.3202% | 4,726 |
| Return on assets (ROA) | 0.3202% | 4,756 |
| Pretax return on assets | 0.2634% | 4,847 |
| Return on Equity (ROE) | 2.5759% | 4,732 |
| Retained earnings to average equity (ytd only) | 1.4328% | 4,229 |
| Net charge-offs to loans | 0.4176% | 464 |
| Credit loss provision to net charge-offs | 96.6555% | 2,561 |
| Earnings coverage of net charge-offs (x) | 1.8963% | 3,480 |
| Efficiency ratio | 85.1834% | 594 |
| Assets per employee ($millions) | 4.4535% | 3,298 |
| Cash dividends to net income (ytd only)* | 44.3787% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,108 |
| Loan loss allowance to noncurrent loans | 111.4387% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 1,546 |
| Noncurrent loans to loans | 1.1325% | 1,337 |
| Net loans and leases to total assets | 69.1687% | 2,520 |
| Net loans and leases to deposits | 88.5730% | 1,761 |
| Net loans and leases to core deposits | 91.8751% | 2,242 |
| Total domestic deposits to total assets | 78.0923% | 4,344 |
| Equity capital to assets | 12.4087% | 1,879 |
| Core capital (leverage) ratio | 12.4040% | 1,534 |
| Tier 1 risk-based capital ratio | 16.4247% | 2,247 |
| Total risk-based capital ratio | 17.6208% | 2,209 |
| Memoranda: | ||
| Average total assets | $105,547,400 | 3,908 |
| Average earning assets | $93,642,800 | 3,975 |
| Average equity | $13,121,400 | 3,877 |
| Average total loans | $71,604,000 | 3,746 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 2,439 |
| Cost of funding earning assets | 0.7584% | 2,926 |
| Net interest margin | 3.9341% | 2,151 |
| Noninterest income to average assets | 0.2991% | 3,949 |
| Noninterest expense to average assets | 3.4659% | 987 |
| Loan and lease loss provision to assets | 0.3231% | 436 |
| Net operating income to assets | 0.1432% | 4,989 |
| Return on assets (ROA) | 0.1432% | 5,009 |
| Pretax return on assets | 0.0862% | 5,047 |
| Return on Equity (ROE) | 1.1513% | 4,998 |
| Retained earnings to average equity (ytd only) | -0.3770% | 4,800 |
| Net charge-offs to loans | 0.1733% | 979 |
| Credit loss provision to net charge-offs | 277.1739% | 1,004 |
| Earnings coverage of net charge-offs (x) | 3.5110% | 3,095 |
| Efficiency ratio | 89.4375% | 342 |
| Assets per employee ($millions) | 4.4858% | 3,231 |
| Cash dividends to net income (ytd only)* | 132.7492% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,278 |
| Loan loss allowance to noncurrent loans | 89.8632% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 1,120 |
| Noncurrent loans to loans | 1.6553% | 886 |
| Net loans and leases to total assets | 68.7135% | 2,669 |
| Net loans and leases to deposits | 87.7930% | 1,959 |
| Net loans and leases to core deposits | 91.0340% | 2,459 |
| Total domestic deposits to total assets | 78.2677% | 4,305 |
| Equity capital to assets | 12.1271% | 2,162 |
| Core capital (leverage) ratio | 11.4420% | 2,265 |
| Tier 1 risk-based capital ratio | 16.4900% | 2,272 |
| Total risk-based capital ratio | 17.7418% | 2,207 |
| Memoranda: | ||
| Average total assets | $105,213,000 | 3,954 |
| Average earning assets | $95,638,750 | 3,989 |
| Average equity | $13,086,000 | 3,919 |
| Average total loans | $70,786,000 | 3,806 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 2,523 |
| Cost of funding earning assets | 0.7642% | 2,829 |
| Net interest margin | 3.8845% | 2,284 |
| Noninterest income to average assets | 0.3027% | 3,908 |
| Noninterest expense to average assets | 3.4752% | 988 |
| Loan and lease loss provision to assets | 0.1149% | 1,632 |
| Net operating income to assets | 0.2950% | 4,879 |
| Return on assets (ROA) | 0.2950% | 4,891 |
| Pretax return on assets | 0.2376% | 4,992 |
| Return on Equity (ROE) | 2.3519% | 4,898 |
| Retained earnings to average equity (ytd only) | 0.0611% | 4,673 |
| Net charge-offs to loans | 0.2567% | 653 |
| Credit loss provision to net charge-offs | 67.4157% | 2,340 |
| Earnings coverage of net charge-offs (x) | 2.0674% | 2,970 |
| Efficiency ratio | 90.7908% | 327 |
| Assets per employee ($millions) | 4.0866% | 3,759 |
| Cash dividends to net income (ytd only)* | 97.4026% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,812 |
| Loan loss allowance to noncurrent loans | 71.7829% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2627% | 1,028 |
| Noncurrent loans to loans | 1.8795% | 793 |
| Net loans and leases to total assets | 66.2768% | 3,070 |
| Net loans and leases to deposits | 86.1200% | 2,246 |
| Net loans and leases to core deposits | 89.5364% | 2,634 |
| Total domestic deposits to total assets | 76.9586% | 4,567 |
| Equity capital to assets | 12.8460% | 1,664 |
| Core capital (leverage) ratio | 12.1285% | 1,739 |
| Tier 1 risk-based capital ratio | 18.1056% | 1,779 |
| Total risk-based capital ratio | 19.3558% | 1,734 |
| Memoranda: | ||
| Average total assets | $104,397,330 | 3,995 |
| Average earning assets | $94,734,670 | 4,021 |
| Average equity | $13,096,000 | 3,918 |
| Average total loans | $69,350,000 | 3,848 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 2,534 |
| Cost of funding earning assets | 0.7320% | 2,878 |
| Net interest margin | 3.8667% | 2,289 |
| Noninterest income to average assets | 0.3109% | 3,792 |
| Noninterest expense to average assets | 3.6810% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2312% | 4,983 |
| Return on assets (ROA) | 0.2312% | 4,989 |
| Pretax return on assets | 0.1744% | 5,050 |
| Return on Equity (ROE) | 1.8652% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.8652% | 4,102 |
| Net charge-offs to loans | 0.0574% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,316 |
| Efficiency ratio | 95.4769% | 239 |
| Assets per employee ($millions) | 4.5726% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,811 |
| Loan loss allowance to noncurrent loans | 61.0860% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 631 |
| Noncurrent loans to loans | 2.2336% | 629 |
| Net loans and leases to total assets | 64.9577% | 3,174 |
| Net loans and leases to deposits | 84.3428% | 2,346 |
| Net loans and leases to core deposits | 87.9398% | 2,691 |
| Total domestic deposits to total assets | 77.0163% | 4,648 |
| Equity capital to assets | 12.4874% | 1,745 |
| Core capital (leverage) ratio | 11.8087% | 1,901 |
| Tier 1 risk-based capital ratio | 17.6485% | 1,896 |
| Total risk-based capital ratio | 18.8994% | 1,856 |
| Memoranda: | ||
| Average total assets | $105,514,000 | 4,013 |
| Average earning assets | $96,723,500 | 4,034 |
| Average equity | $13,082,000 | 3,933 |
| Average total loans | $69,706,500 | 3,871 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,399 |
| Cost of funding earning assets | 0.6415% | 2,452 |
| Net interest margin | 3.8798% | 2,397 |
| Noninterest income to average assets | 0.2809% | 4,220 |
| Noninterest expense to average assets | 3.1534% | 1,665 |
| Loan and lease loss provision to assets | 0.5226% | 221 |
| Net operating income to assets | 0.1997% | 5,108 |
| Return on assets (ROA) | 0.2072% | 5,099 |
| Pretax return on assets | 0.1512% | 5,148 |
| Return on Equity (ROE) | 1.7207% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.7207% | 4,459 |
| Net charge-offs to loans | 0.9670% | 157 |
| Credit loss provision to net charge-offs | 79.5455% | 2,872 |
| Earnings coverage of net charge-offs (x) | 1.0142% | 3,659 |
| Efficiency ratio | 82.5556% | 741 |
| Assets per employee ($millions) | 4.8117% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,793 |
| Loan loss allowance to noncurrent loans | 85.3309% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 958 |
| Noncurrent loans to loans | 1.5937% | 921 |
| Net loans and leases to total assets | 65.3687% | 3,215 |
| Net loans and leases to deposits | 83.0449% | 2,619 |
| Net loans and leases to core deposits | 86.5018% | 2,875 |
| Total domestic deposits to total assets | 78.7149% | 4,365 |
| Equity capital to assets | 12.3099% | 1,696 |
| Core capital (leverage) ratio | 11.6088% | 2,018 |
| Tier 1 risk-based capital ratio | 17.1204% | 2,026 |
| Total risk-based capital ratio | 18.3700% | 1,972 |
| Memoranda: | ||
| Average total assets | $107,155,200 | 3,984 |
| Average earning assets | $97,737,800 | 4,012 |
| Average equity | $12,901,800 | 3,899 |
| Average total loans | $72,803,800 | 3,814 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,302 |
| Cost of funding earning assets | 0.6116% | 2,393 |
| Net interest margin | 3.8892% | 2,342 |
| Noninterest income to average assets | 0.2977% | 4,159 |
| Noninterest expense to average assets | 3.1683% | 1,606 |
| Loan and lease loss provision to assets | 0.3101% | 464 |
| Net operating income to assets | 0.4168% | 4,919 |
| Return on assets (ROA) | 0.4267% | 4,911 |
| Pretax return on assets | 0.3709% | 5,060 |
| Return on Equity (ROE) | 3.5639% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.5639% | 3,984 |
| Net charge-offs to loans | 0.0272% | 2,564 |
| Credit loss provision to net charge-offs | 1,666.6667% | 250 |
| Earnings coverage of net charge-offs (x) | 36.0660% | 1,434 |
| Efficiency ratio | 82.5202% | 741 |
| Assets per employee ($millions) | 4.3544% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 624 |
| Loan loss allowance to noncurrent loans | 71.2453% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9769% | 537 |
| Noncurrent loans to loans | 2.6376% | 472 |
| Net loans and leases to total assets | 63.9396% | 3,435 |
| Net loans and leases to deposits | 80.9208% | 2,936 |
| Net loans and leases to core deposits | 84.1746% | 3,140 |
| Total domestic deposits to total assets | 79.0151% | 4,314 |
| Equity capital to assets | 12.0403% | 1,888 |
| Core capital (leverage) ratio | 11.6628% | 2,033 |
| Tier 1 risk-based capital ratio | 16.9751% | 2,115 |
| Total risk-based capital ratio | 18.2306% | 2,061 |
| Memoranda: | ||
| Average total assets | $107,479,500 | 4,018 |
| Average earning assets | $97,875,000 | 4,047 |
| Average equity | $12,869,500 | 3,933 |
| Average total loans | $73,466,750 | 3,840 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,840 |
| Cost of funding earning assets | 0.5831% | 2,345 |
| Net interest margin | 3.9975% | 1,874 |
| Noninterest income to average assets | 0.2691% | 4,386 |
| Noninterest expense to average assets | 3.1602% | 1,637 |
| Loan and lease loss provision to assets | 0.4672% | 250 |
| Net operating income to assets | 0.3364% | 5,068 |
| Return on assets (ROA) | 0.3513% | 5,046 |
| Pretax return on assets | 0.2953% | 5,170 |
| Return on Equity (ROE) | 2.9397% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.9397% | 4,075 |
| Net charge-offs to loans | 0.0592% | 1,759 |
| Credit loss provision to net charge-offs | 1,136.3636% | 369 |
| Earnings coverage of net charge-offs (x) | 18.1818% | 1,915 |
| Efficiency ratio | 80.8704% | 927 |
| Assets per employee ($millions) | 4.6360% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 615 |
| Loan loss allowance to noncurrent loans | 74.0782% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 561 |
| Noncurrent loans to loans | 2.5891% | 491 |
| Net loans and leases to total assets | 63.5959% | 3,445 |
| Net loans and leases to deposits | 81.1457% | 2,845 |
| Net loans and leases to core deposits | 84.5018% | 3,039 |
| Total domestic deposits to total assets | 78.3725% | 4,526 |
| Equity capital to assets | 12.1403% | 1,751 |
| Core capital (leverage) ratio | 11.6888% | 1,915 |
| Tier 1 risk-based capital ratio | 17.1807% | 2,036 |
| Total risk-based capital ratio | 18.4368% | 1,987 |
| Memoranda: | ||
| Average total assets | $107,019,670 | 4,066 |
| Average earning assets | $97,410,330 | 4,086 |
| Average equity | $12,790,330 | 3,964 |
| Average total loans | $74,310,000 | 3,841 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,860 |
| Cost of funding earning assets | 0.5615% | 2,308 |
| Net interest margin | 3.9386% | 1,903 |
| Noninterest income to average assets | 0.1565% | 5,076 |
| Noninterest expense to average assets | 3.1004% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6931% | 4,122 |
| Return on assets (ROA) | 0.6596% | 4,255 |
| Pretax return on assets | 0.6037% | 4,677 |
| Return on Equity (ROE) | 5.5147% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.5147% | 2,941 |
| Net charge-offs to loans | -0.0312% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9511% | 865 |
| Assets per employee ($millions) | 4.6541% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 1,575 |
| Loan loss allowance to noncurrent loans | 238.4449% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 2,241 |
| Noncurrent loans to loans | 0.6170% | 2,692 |
| Net loans and leases to total assets | 69.0663% | 2,620 |
| Net loans and leases to deposits | 88.8211% | 1,829 |
| Net loans and leases to core deposits | 93.0911% | 2,203 |
| Total domestic deposits to total assets | 77.7589% | 4,758 |
| Equity capital to assets | 12.0613% | 1,737 |
| Core capital (leverage) ratio | 11.4552% | 2,046 |
| Tier 1 risk-based capital ratio | 15.8188% | 2,549 |
| Total risk-based capital ratio | 17.0703% | 2,492 |
| Memoranda: | ||
| Average total assets | $107,341,000 | 4,100 |
| Average earning assets | $97,599,000 | 4,136 |
| Average equity | $12,838,500 | 3,988 |
| Average total loans | $76,896,500 | 3,809 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,060 |
| Cost of funding earning assets | 0.3873% | 3,365 |
| Net interest margin | 4.0013% | 1,752 |
| Noninterest income to average assets | 0.3302% | 4,109 |
| Noninterest expense to average assets | 3.2626% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7520% | 3,384 |
| Return on assets (ROA) | 0.7520% | 3,424 |
| Pretax return on assets | 0.6746% | 4,571 |
| Return on Equity (ROE) | 6.4524% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.4524% | 1,300 |
| Net charge-offs to loans | 0.1183% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.5119% | 2,905 |
| Efficiency ratio | 82.8660% | 865 |
| Assets per employee ($millions) | 5.1256% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,795 |
| Loan loss allowance to noncurrent loans | 206.7797% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 1,937 |
| Noncurrent loans to loans | 0.6742% | 2,527 |
| Net loans and leases to total assets | 72.1490% | 2,213 |
| Net loans and leases to deposits | 91.6287% | 1,578 |
| Net loans and leases to core deposits | 95.9452% | 2,026 |
| Total domestic deposits to total assets | 78.7406% | 4,596 |
| Equity capital to assets | 11.8602% | 1,936 |
| Core capital (leverage) ratio | 11.8517% | 1,689 |
| Tier 1 risk-based capital ratio | 15.5359% | 2,612 |
| Total risk-based capital ratio | 16.7871% | 2,549 |
| Memoranda: | ||
| Average total assets | $105,989,200 | 4,135 |
| Average earning assets | $95,544,400 | 4,170 |
| Average equity | $12,352,000 | 4,077 |
| Average total loans | $71,007,200 | 3,939 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,148 |
| Cost of funding earning assets | 0.3592% | 3,580 |
| Net interest margin | 3.9795% | 1,779 |
| Noninterest income to average assets | 0.3574% | 3,971 |
| Noninterest expense to average assets | 3.2986% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6403% | 4,226 |
| Return on assets (ROA) | 0.6403% | 4,282 |
| Pretax return on assets | 0.6403% | 4,757 |
| Return on Equity (ROE) | 5.5189% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.5189% | 2,528 |
| Net charge-offs to loans | 0.1718% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.6968% | 3,067 |
| Efficiency ratio | 83.7448% | 774 |
| Assets per employee ($millions) | 5.1797% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,699 |
| Loan loss allowance to noncurrent loans | 563.4021% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 2,628 |
| Noncurrent loans to loans | 0.2575% | 4,040 |
| Net loans and leases to total assets | 68.2458% | 2,804 |
| Net loans and leases to deposits | 84.9630% | 2,441 |
| Net loans and leases to core deposits | 89.9521% | 2,617 |
| Total domestic deposits to total assets | 80.3242% | 4,247 |
| Equity capital to assets | 11.5240% | 2,339 |
| Core capital (leverage) ratio | 11.4502% | 2,056 |
| Tier 1 risk-based capital ratio | 15.8036% | 2,585 |
| Total risk-based capital ratio | 17.0551% | 2,524 |
| Memoranda: | ||
| Average total assets | $105,577,250 | 4,185 |
| Average earning assets | $95,018,250 | 4,219 |
| Average equity | $12,248,500 | 4,134 |
| Average total loans | $69,069,750 | 4,016 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,374 |
| Cost of funding earning assets | 0.3366% | 3,732 |
| Net interest margin | 3.8900% | 1,967 |
| Noninterest income to average assets | 0.3655% | 3,938 |
| Noninterest expense to average assets | 3.3298% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5301% | 4,610 |
| Return on assets (ROA) | 0.5301% | 4,641 |
| Pretax return on assets | 0.5301% | 4,954 |
| Return on Equity (ROE) | 4.5585% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.5585% | 2,995 |
| Net charge-offs to loans | 0.2926% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.8265% | 3,118 |
| Efficiency ratio | 86.2667% | 674 |
| Assets per employee ($millions) | 4.4446% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,437 |
| Loan loss allowance to noncurrent loans | 418.5328% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,408 |
| Noncurrent loans to loans | 0.3678% | 3,709 |
| Net loans and leases to total assets | 64.9942% | 3,254 |
| Net loans and leases to deposits | 78.7608% | 3,041 |
| Net loans and leases to core deposits | 83.0071% | 3,175 |
| Total domestic deposits to total assets | 82.5210% | 3,720 |
| Equity capital to assets | 11.5477% | 2,283 |
| Core capital (leverage) ratio | 11.4304% | 2,023 |
| Tier 1 risk-based capital ratio | 16.5057% | 2,322 |
| Total risk-based capital ratio | 17.7582% | 2,267 |
| Memoranda: | ||
| Average total assets | $104,512,000 | 4,236 |
| Average earning assets | $93,882,670 | 4,269 |
| Average equity | $12,153,000 | 4,161 |
| Average total loans | $66,984,330 | 4,082 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 2,713 |
| Cost of funding earning assets | 0.3312% | 3,739 |
| Net interest margin | 3.7510% | 2,301 |
| Noninterest income to average assets | 0.3945% | 3,705 |
| Noninterest expense to average assets | 3.3374% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4293% | 4,863 |
| Return on assets (ROA) | 0.4293% | 4,881 |
| Pretax return on assets | 0.4293% | 5,101 |
| Return on Equity (ROE) | 3.6784% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.6784% | 3,602 |
| Net charge-offs to loans | 0.0674% | 1,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 1,958 |
| Efficiency ratio | 88.6037% | 627 |
| Assets per employee ($millions) | 4.8310% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 1,068 |
| Loan loss allowance to noncurrent loans | 217.0370% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 1,858 |
| Noncurrent loans to loans | 0.8042% | 2,438 |
| Net loans and leases to total assets | 62.0773% | 3,526 |
| Net loans and leases to deposits | 72.3067% | 3,584 |
| Net loans and leases to core deposits | 76.5883% | 3,600 |
| Total domestic deposits to total assets | 85.8527% | 2,739 |
| Equity capital to assets | 11.4102% | 2,247 |
| Core capital (leverage) ratio | 11.3254% | 2,082 |
| Tier 1 risk-based capital ratio | 16.9411% | 2,198 |
| Total risk-based capital ratio | 18.1962% | 2,154 |
| Memoranda: | ||
| Average total assets | $103,432,500 | 4,296 |
| Average earning assets | $92,988,000 | 4,336 |
| Average equity | $12,070,500 | 4,203 |
| Average total loans | $65,269,500 | 4,149 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 2,819 |
| Cost of funding earning assets | 0.3280% | 3,768 |
| Net interest margin | 3.7809% | 2,388 |
| Noninterest income to average assets | 0.4625% | 3,464 |
| Noninterest expense to average assets | 3.5000% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1924% | 5,433 |
| Return on assets (ROA) | 0.1924% | 5,481 |
| Pretax return on assets | 0.1924% | 5,505 |
| Return on Equity (ROE) | 1.4144% | 5,502 |
| Retained earnings to average equity (ytd only) | -36.5585% | 5,891 |
| Net charge-offs to loans | -0.0471% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7882% | 351 |
| Assets per employee ($millions) | 4.1910% | 3,633 |
| Cash dividends to net income (ytd only)* | 2,684.7953% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 852 |
| Loan loss allowance to noncurrent loans | 169.0000% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 1,387 |
| Noncurrent loans to loans | 1.1043% | 1,878 |
| Net loans and leases to total assets | 61.8464% | 3,628 |
| Net loans and leases to deposits | 71.2019% | 3,790 |
| Net loans and leases to core deposits | 73.5629% | 3,957 |
| Total domestic deposits to total assets | 86.8606% | 2,218 |
| Equity capital to assets | 11.9444% | 1,848 |
| Core capital (leverage) ratio | 11.5751% | 1,875 |
| Tier 1 risk-based capital ratio | 17.8825% | 1,882 |
| Total risk-based capital ratio | 19.1404% | 1,840 |
| Memoranda: | ||
| Average total assets | $88,858,400 | 4,566 |
| Average earning assets | $75,908,400 | 4,678 |
| Average equity | $12,090,200 | 4,237 |
| Average total loans | $55,144,800 | 4,429 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,005 |
| Cost of funding earning assets | 0.3168% | 3,906 |
| Net interest margin | 3.7426% | 2,545 |
| Noninterest income to average assets | 0.4500% | 3,558 |
| Noninterest expense to average assets | 3.4928% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1102% | 5,613 |
| Return on assets (ROA) | 0.1102% | 5,668 |
| Pretax return on assets | 0.1102% | 5,669 |
| Return on Equity (ROE) | 0.7817% | 5,666 |
| Retained earnings to average equity (ytd only) | -49.7679% | 5,966 |
| Net charge-offs to loans | -0.0477% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9423% | 289 |
| Assets per employee ($millions) | 3.8030% | 4,297 |
| Cash dividends to net income (ytd only)* | 6,466.4906% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 828 |
| Loan loss allowance to noncurrent loans | 241.2731% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 1,452 |
| Noncurrent loans to loans | 0.7965% | 2,678 |
| Net loans and leases to total assets | 58.4036% | 4,058 |
| Net loans and leases to deposits | 67.7015% | 4,180 |
| Net loans and leases to core deposits | 69.9138% | 4,333 |
| Total domestic deposits to total assets | 86.2663% | 2,232 |
| Equity capital to assets | 11.7012% | 2,357 |
| Core capital (leverage) ratio | 11.4934% | 2,038 |
| Tier 1 risk-based capital ratio | 16.3438% | 2,473 |
| Total risk-based capital ratio | 17.5998% | 2,428 |
| Memoranda: | ||
| Average total assets | $85,927,250 | 4,650 |
| Average earning assets | $72,391,000 | 4,787 |
| Average equity | $12,109,250 | 4,272 |
| Average total loans | $53,083,500 | 4,524 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,335 |
| Cost of funding earning assets | 0.2855% | 4,292 |
| Net interest margin | 3.6877% | 2,741 |
| Noninterest income to average assets | 0.4147% | 3,784 |
| Noninterest expense to average assets | 3.1100% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1956% | 5,529 |
| Return on assets (ROA) | 0.1956% | 5,587 |
| Pretax return on assets | 0.1956% | 5,625 |
| Return on Equity (ROE) | 1.3798% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.3798% | 4,830 |
| Net charge-offs to loans | -0.1032% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0841% | 412 |
| Assets per employee ($millions) | 5.4716% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 822 |
| Loan loss allowance to noncurrent loans | 296.7089% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0625% | 2,001 |
| Noncurrent loans to loans | 0.6565% | 3,105 |
| Net loans and leases to total assets | 49.0098% | 4,910 |
| Net loans and leases to deposits | 57.4416% | 4,931 |
| Net loans and leases to core deposits | 59.0527% | 5,021 |
| Total domestic deposits to total assets | 85.3210% | 2,724 |
| Equity capital to assets | 9.7661% | 4,495 |
| Core capital (leverage) ratio | 10.7380% | 2,706 |
| Tier 1 risk-based capital ratio | 17.9501% | 1,942 |
| Total risk-based capital ratio | 18.8721% | 2,000 |
| Memoranda: | ||
| Average total assets | $84,886,670 | 4,708 |
| Average earning assets | $66,545,330 | 4,965 |
| Average equity | $12,031,000 | 4,312 |
| Average total loans | $50,366,330 | 4,631 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,588 |
| Cost of funding earning assets | 0.2964% | 4,201 |
| Net interest margin | 3.8726% | 2,024 |
| Noninterest income to average assets | 0.5183% | 3,002 |
| Noninterest expense to average assets | 3.4792% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5421% | 4,455 |
| Return on assets (ROA) | 0.5421% | 4,559 |
| Pretax return on assets | 0.5421% | 4,975 |
| Return on Equity (ROE) | 2.9913% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.9913% | 4,017 |
| Net charge-offs to loans | -0.0880% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5185% | 930 |
| Assets per employee ($millions) | 3.8876% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5548% | 368 |
| Loan loss allowance to noncurrent loans | 209.9099% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 2.1773% | 766 |
| Noncurrent loans to loans | 1.2171% | 1,989 |
| Net loans and leases to total assets | 67.2341% | 2,775 |
| Net loans and leases to deposits | 83.2272% | 2,400 |
| Net loans and leases to core deposits | 84.0140% | 2,937 |
| Total domestic deposits to total assets | 80.7838% | 4,557 |
| Equity capital to assets | 18.4915% | 291 |
| Core capital (leverage) ratio | 17.8158% | 305 |
| Tier 1 risk-based capital ratio | 26.9637% | 680 |
| Total risk-based capital ratio | 28.2323% | 660 |
| Memoranda: | ||
| Average total assets | $67,142,000 | 5,128 |
| Average earning assets | $60,735,000 | 5,137 |
| Average equity | $12,168,500 | 4,305 |
| Average total loans | $45,465,500 | 4,818 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 2,827 |
| Cost of funding earning assets | 0.3155% | 4,081 |
| Net interest margin | 3.8110% | 2,334 |
| Noninterest income to average assets | 0.5564% | 2,984 |
| Noninterest expense to average assets | 3.7526% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2448% | 5,495 |
| Return on assets (ROA) | 0.2448% | 5,563 |
| Pretax return on assets | 0.2448% | 5,620 |
| Return on Equity (ROE) | 1.3687% | 5,708 |
| Retained earnings to average equity (ytd only) | 0.7383% | 5,222 |
| Net charge-offs to loans | -0.0813% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8753% | 491 |
| Assets per employee ($millions) | 4.0114% | 3,920 |
| Cash dividends to net income (ytd only)* | 46.0606% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5479% | 371 |
| Loan loss allowance to noncurrent loans | 207.7338% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1116% | 814 |
| Noncurrent loans to loans | 1.2265% | 1,923 |
| Net loans and leases to total assets | 64.7799% | 3,149 |
| Net loans and leases to deposits | 79.3833% | 2,899 |
| Net loans and leases to core deposits | 80.1030% | 3,335 |
| Total domestic deposits to total assets | 81.6040% | 4,304 |
| Equity capital to assets | 17.7670% | 335 |
| Core capital (leverage) ratio | 17.0140% | 363 |
| Tier 1 risk-based capital ratio | 26.2537% | 730 |
| Total risk-based capital ratio | 27.5229% | 701 |
| Memoranda: | ||
| Average total assets | $67,394,000 | 5,145 |
| Average earning assets | $60,850,000 | 5,167 |
| Average equity | $12,055,400 | 4,298 |
| Average total loans | $43,049,000 | 4,894 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,123 |
| Cost of funding earning assets | 0.3186% | 4,122 |
| Net interest margin | 3.7349% | 2,628 |
| Noninterest income to average assets | 0.5695% | 2,919 |
| Noninterest expense to average assets | 3.8336% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1091% | 5,837 |
| Return on assets (ROA) | 0.1091% | 5,873 |
| Pretax return on assets | 0.1091% | 5,883 |
| Return on Equity (ROE) | 0.6090% | 5,909 |
| Retained earnings to average equity (ytd only) | -0.2326% | 5,646 |
| Net charge-offs to loans | -0.0785% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2320% | 381 |
| Assets per employee ($millions) | 3.8311% | 4,206 |
| Cash dividends to net income (ytd only)* | 138.1836% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5161% | 423 |
| Loan loss allowance to noncurrent loans | 243.8298% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 992 |
| Noncurrent loans to loans | 1.0319% | 2,411 |
| Net loans and leases to total assets | 64.3866% | 3,241 |
| Net loans and leases to deposits | 78.5497% | 3,043 |
| Net loans and leases to core deposits | 79.2507% | 3,483 |
| Total domestic deposits to total assets | 81.9693% | 4,172 |
| Equity capital to assets | 17.4536% | 389 |
| Core capital (leverage) ratio | 17.2340% | 359 |
| Tier 1 risk-based capital ratio | 22.4710% | 1,131 |
| Total risk-based capital ratio | 23.7350% | 1,108 |
| Memoranda: | ||
| Average total assets | $67,194,000 | 5,215 |
| Average earning assets | $60,688,000 | 5,228 |
| Average equity | $12,040,250 | 4,348 |
| Average total loans | $42,478,500 | 4,973 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,269 |
| Cost of funding earning assets | 0.3150% | 4,223 |
| Net interest margin | 3.6899% | 2,754 |
| Noninterest income to average assets | 0.5825% | 2,838 |
| Noninterest expense to average assets | 3.8405% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0841% | 5,896 |
| Return on assets (ROA) | 0.0841% | 5,941 |
| Pretax return on assets | 0.0841% | 5,947 |
| Return on Equity (ROE) | 0.4651% | 5,969 |
| Retained earnings to average equity (ytd only) | -0.0166% | 5,510 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8577% | 381 |
| Assets per employee ($millions) | 3.3216% | 5,126 |
| Cash dividends to net income (ytd only)* | 103.5714% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6318% | 408 |
| Loan loss allowance to noncurrent loans | 218.5185% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 2.1345% | 998 |
| Noncurrent loans to loans | 1.2044% | 2,249 |
| Net loans and leases to total assets | 62.4302% | 3,487 |
| Net loans and leases to deposits | 76.7947% | 3,181 |
| Net loans and leases to core deposits | 77.5124% | 3,626 |
| Total domestic deposits to total assets | 81.2949% | 4,518 |
| Equity capital to assets | 18.1226% | 325 |
| Core capital (leverage) ratio | 17.6866% | 314 |
| Tier 1 risk-based capital ratio | 25.0976% | 855 |
| Total risk-based capital ratio | 26.3633% | 838 |
| Memoranda: | ||
| Average total assets | $66,605,330 | 5,288 |
| Average earning assets | $60,326,330 | 5,302 |
| Average equity | $12,041,670 | 4,373 |
| Average total loans | $41,455,670 | 5,051 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,774 |
| Cost of funding earning assets | 0.3196% | 4,232 |
| Net interest margin | 3.7950% | 2,247 |
| Noninterest income to average assets | 0.6178% | 2,561 |
| Noninterest expense to average assets | 3.7425% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2939% | 5,442 |
| Return on assets (ROA) | 0.2939% | 5,539 |
| Pretax return on assets | 0.2939% | 5,662 |
| Return on Equity (ROE) | 1.6275% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.6275% | 4,824 |
| Net charge-offs to loans | 0.0098% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 845 |
| Efficiency ratio | 92.7192% | 667 |
| Assets per employee ($millions) | 3.3066% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7209% | 394 |
| Loan loss allowance to noncurrent loans | 207.0240% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2410% | 1,017 |
| Noncurrent loans to loans | 1.3143% | 2,185 |
| Net loans and leases to total assets | 60.5501% | 3,576 |
| Net loans and leases to deposits | 74.5541% | 3,229 |
| Net loans and leases to core deposits | 75.3963% | 3,653 |
| Total domestic deposits to total assets | 81.2164% | 4,761 |
| Equity capital to assets | 18.2242% | 315 |
| Core capital (leverage) ratio | 17.8238% | 297 |
| Tier 1 risk-based capital ratio | 27.7273% | 665 |
| Total risk-based capital ratio | 28.9926% | 651 |
| Memoranda: | ||
| Average total assets | $66,692,500 | 5,339 |
| Average earning assets | $60,078,500 | 5,353 |
| Average equity | $12,043,000 | 4,406 |
| Average total loans | $40,886,500 | 5,108 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,233 |
| Cost of funding earning assets | 0.3604% | 4,135 |
| Net interest margin | 3.7623% | 2,765 |
| Noninterest income to average assets | 0.0963% | 6,163 |
| Noninterest expense to average assets | 3.7081% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3852% | 6,269 |
| Return on assets (ROA) | -0.3852% | 6,269 |
| Pretax return on assets | -0.4259% | 6,261 |
| Return on Equity (ROE) | -2.3382% | 6,226 |
| Retained earnings to average equity (ytd only) | -2.7005% | 6,067 |
| Net charge-offs to loans | 0.1836% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -4.2432% | 4,879 |
| Efficiency ratio | 112.9752% | 180 |
| Assets per employee ($millions) | 3.9561% | 4,051 |
| Cash dividends to net income (ytd only)* | -15.4930% | 6,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7579% | 391 |
| Loan loss allowance to noncurrent loans | 304.3478% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9598% | 1,316 |
| Noncurrent loans to loans | 0.9062% | 3,050 |
| Net loans and leases to total assets | 58.7186% | 3,959 |
| Net loans and leases to deposits | 71.9334% | 3,687 |
| Net loans and leases to core deposits | 72.7283% | 4,055 |
| Total domestic deposits to total assets | 81.6291% | 4,558 |
| Equity capital to assets | 17.8936% | 325 |
| Core capital (leverage) ratio | 17.0621% | 360 |
| Tier 1 risk-based capital ratio | 27.1406% | 675 |
| Total risk-based capital ratio | 28.4071% | 650 |
| Memoranda: | ||
| Average total assets | $73,731,200 | 5,192 |
| Average earning assets | $62,435,000 | 5,326 |
| Average equity | $12,146,000 | 4,328 |
| Average total loans | $40,304,400 | 5,172 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 3,401 |
| Cost of funding earning assets | 0.3688% | 4,139 |
| Net interest margin | 3.7261% | 2,920 |
| Noninterest income to average assets | 0.1575% | 5,968 |
| Noninterest expense to average assets | 3.8185% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4972% | 6,371 |
| Return on assets (ROA) | -0.4972% | 6,366 |
| Pretax return on assets | -0.5503% | 6,370 |
| Return on Equity (ROE) | -3.0775% | 6,319 |
| Retained earnings to average equity (ytd only) | -3.5594% | 6,185 |
| Net charge-offs to loans | -0.0464% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8381% | 148 |
| Assets per employee ($millions) | 3.9704% | 3,949 |
| Cash dividends to net income (ytd only)* | -15.6595% | 6,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9566% | 376 |
| Loan loss allowance to noncurrent loans | 79.0713% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 3.6884% | 563 |
| Noncurrent loans to loans | 3.7392% | 609 |
| Net loans and leases to total assets | 55.5249% | 4,392 |
| Net loans and leases to deposits | 67.2280% | 4,219 |
| Net loans and leases to core deposits | 67.9184% | 4,516 |
| Total domestic deposits to total assets | 82.5920% | 4,271 |
| Equity capital to assets | 16.8819% | 440 |
| Core capital (leverage) ratio | 16.4080% | 428 |
| Tier 1 risk-based capital ratio | 26.6124% | 737 |
| Total risk-based capital ratio | 27.8808% | 718 |
| Memoranda: | ||
| Average total assets | $75,350,750 | 5,221 |
| Average earning assets | $62,905,500 | 5,371 |
| Average equity | $12,174,000 | 4,349 |
| Average total loans | $40,228,000 | 5,232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,618 |
| Cost of funding earning assets | 0.3855% | 4,047 |
| Net interest margin | 3.6432% | 3,175 |
| Noninterest income to average assets | 0.0835% | 6,337 |
| Noninterest expense to average assets | 4.0498% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.8794% | 6,515 |
| Return on assets (ROA) | -0.8794% | 6,515 |
| Pretax return on assets | -0.9577% | 6,504 |
| Return on Equity (ROE) | -5.5199% | 6,442 |
| Retained earnings to average equity (ytd only) | -5.5199% | 6,267 |
| Net charge-offs to loans | -0.1700% | 6,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9705% | 96 |
| Assets per employee ($millions) | 4.2406% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1355% | 325 |
| Loan loss allowance to noncurrent loans | 194.7702% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 2.4261% | 1,185 |
| Noncurrent loans to loans | 1.6099% | 2,156 |
| Net loans and leases to total assets | 52.6654% | 4,677 |
| Net loans and leases to deposits | 63.6496% | 4,536 |
| Net loans and leases to core deposits | 64.6643% | 4,757 |
| Total domestic deposits to total assets | 82.7426% | 4,399 |
| Equity capital to assets | 16.7025% | 452 |
| Core capital (leverage) ratio | 15.8640% | 497 |
| Tier 1 risk-based capital ratio | 26.5913% | 728 |
| Total risk-based capital ratio | 27.8599% | 712 |
| Memoranda: | ||
| Average total assets | $76,645,330 | 5,233 |
| Average earning assets | $63,295,670 | 5,410 |
| Average equity | $12,210,330 | 4,358 |
| Average total loans | $40,007,000 | 5,276 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 3,641 |
| Cost of funding earning assets | 0.4116% | 3,838 |
| Net interest margin | 3.5986% | 3,250 |
| Noninterest income to average assets | 0.0558% | 6,470 |
| Noninterest expense to average assets | 4.4449% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.4647% | 6,630 |
| Return on assets (ROA) | -1.4647% | 6,624 |
| Pretax return on assets | -1.4647% | 6,609 |
| Return on Equity (ROE) | -9.4022% | 6,556 |
| Retained earnings to average equity (ytd only) | -9.4022% | 6,342 |
| Net charge-offs to loans | -0.0396% | 5,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.1497% | 67 |
| Assets per employee ($millions) | 4.0825% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1496% | 373 |
| Loan loss allowance to noncurrent loans | 170.7977% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 2.5268% | 1,257 |
| Noncurrent loans to loans | 1.8441% | 2,080 |
| Net loans and leases to total assets | 47.5312% | 5,182 |
| Net loans and leases to deposits | 56.7565% | 5,053 |
| Net loans and leases to core deposits | 58.7816% | 5,146 |
| Total domestic deposits to total assets | 83.7459% | 4,369 |
| Equity capital to assets | 15.5386% | 595 |
| Core capital (leverage) ratio | 14.4293% | 711 |
| Tier 1 risk-based capital ratio | 27.7183% | 658 |
| Total risk-based capital ratio | 28.9868% | 646 |
| Memoranda: | ||
| Average total assets | $78,922,500 | 5,227 |
| Average earning assets | $64,135,500 | 5,434 |
| Average equity | $12,295,000 | 4,371 |
| Average total loans | $40,412,500 | 5,302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,336 |
| Cost of funding earning assets | 0.4603% | 4,021 |
| Net interest margin | 4.3326% | 1,028 |
| Noninterest income to average assets | 0.5502% | 3,404 |
| Noninterest expense to average assets | 4.3116% | 624 |
| Loan and lease loss provision to assets | 0.2649% | 1,336 |
| Net operating income to assets | -0.9903% | 6,607 |
| Return on assets (ROA) | -0.9903% | 6,606 |
| Pretax return on assets | -0.4972% | 6,487 |
| Return on Equity (ROE) | -5.4338% | 6,495 |
| Retained earnings to average equity (ytd only) | -5.8587% | 6,411 |
| Net charge-offs to loans | 0.0201% | 5,035 |
| Credit loss provision to net charge-offs | 2,166.6667% | 112 |
| Earnings coverage of net charge-offs (x) | -19.0000% | 5,445 |
| Efficiency ratio | 105.6943% | 342 |
| Assets per employee ($millions) | 2.6359% | 6,284 |
| Cash dividends to net income (ytd only)* | -7.8189% | 6,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 1,437 |
| Loan loss allowance to noncurrent loans | 1,478.9474% | 380 |
| Noncurrent assets plus other real estate owned to assets | 3.0688% | 1,017 |
| Noncurrent loans to loans | 0.1388% | 5,789 |
| Net loans and leases to total assets | 56.5190% | 4,248 |
| Net loans and leases to deposits | 69.4643% | 3,846 |
| Net loans and leases to core deposits | 70.9005% | 4,199 |
| Total domestic deposits to total assets | 81.3641% | 5,082 |
| Equity capital to assets | 17.9193% | 327 |
| Core capital (leverage) ratio | 17.1084% | 361 |
| Tier 1 risk-based capital ratio | 26.6576% | 719 |
| Total risk-based capital ratio | 27.9304% | 696 |
| Memoranda: | ||
| Average total assets | $24,538,400 | 6,629 |
| Average earning assets | $19,988,000 | 6,657 |
| Average equity | $4,472,000 | 6,213 |
| Average total loans | $14,955,400 | 6,419 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 1,246 |
| Cost of funding earning assets | 0.4827% | 3,936 |
| Net interest margin | 4.3648% | 959 |
| Noninterest income to average assets | 0.5928% | 3,194 |
| Noninterest expense to average assets | 4.1440% | 725 |
| Loan and lease loss provision to assets | 0.3557% | 891 |
| Net operating income to assets | -0.1509% | 6,433 |
| Return on assets (ROA) | -0.1509% | 6,463 |
| Pretax return on assets | -0.4473% | 6,577 |
| Return on Equity (ROE) | -0.8246% | 6,411 |
| Retained earnings to average equity (ytd only) | -1.3843% | 6,182 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2606% | 398 |
| Assets per employee ($millions) | 2.9380% | 5,944 |
| Cash dividends to net income (ytd only)* | -67.8543% | 6,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 3.1654% | 1,140 |
| Noncurrent loans to loans | 0.1316% | 5,923 |
| Net loans and leases to total assets | 63.4360% | 3,090 |
| Net loans and leases to deposits | 78.8180% | 2,547 |
| Net loans and leases to core deposits | 80.4815% | 3,070 |
| Total domestic deposits to total assets | 80.4842% | 5,366 |
| Equity capital to assets | 19.0223% | 252 |
| Core capital (leverage) ratio | 17.7148% | 324 |
| Tier 1 risk-based capital ratio | 26.1955% | 773 |
| Total risk-based capital ratio | 27.4540% | 761 |
| Memoranda: | ||
| Average total assets | $24,742,250 | 6,704 |
| Average earning assets | $19,611,000 | 6,739 |
| Average equity | $4,527,250 | 6,278 |
| Average total loans | $15,272,000 | 6,469 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 1,552 |
| Cost of funding earning assets | 0.5002% | 3,897 |
| Net interest margin | 4.2056% | 1,262 |
| Noninterest income to average assets | 0.8746% | 1,911 |
| Noninterest expense to average assets | 4.3570% | 592 |
| Loan and lease loss provision to assets | 0.2147% | 1,762 |
| Net operating income to assets | -0.4055% | 6,605 |
| Return on assets (ROA) | -0.4055% | 6,624 |
| Pretax return on assets | -0.4214% | 6,601 |
| Return on Equity (ROE) | -2.2437% | 6,536 |
| Retained earnings to average equity (ytd only) | -2.2437% | 6,218 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9808% | 367 |
| Assets per employee ($millions) | 2.8664% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 2,296 |
| Loan loss allowance to noncurrent loans | 79.1667% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 5.9047% | 464 |
| Noncurrent loans to loans | 2.3235% | 2,029 |
| Net loans and leases to total assets | 57.4811% | 4,066 |
| Net loans and leases to deposits | 71.9369% | 3,454 |
| Net loans and leases to core deposits | 72.3317% | 4,005 |
| Total domestic deposits to total assets | 79.9049% | 5,627 |
| Equity capital to assets | 19.5281% | 229 |
| Core capital (leverage) ratio | 17.2333% | 352 |
| Tier 1 risk-based capital ratio | 27.8502% | 633 |
| Total risk-based capital ratio | 29.1074% | 623 |
| Memoranda: | ||
| Average total assets | $25,155,000 | 6,742 |
| Average earning assets | $19,593,000 | 6,787 |
| Average equity | $4,546,000 | 6,321 |
| Average total loans | $15,297,670 | 6,511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 1,214 |
| Cost of funding earning assets | 0.5094% | 3,982 |
| Net interest margin | 4.3296% | 911 |
| Noninterest income to average assets | 1.3858% | 802 |
| Noninterest expense to average assets | 3.9289% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6548% | 3,931 |
| Return on assets (ROA) | 0.6548% | 4,088 |
| Pretax return on assets | 0.8223% | 4,074 |
| Return on Equity (ROE) | 3.7555% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.7555% | 3,983 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 1,934 |
| Assets per employee ($millions) | 3.3191% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,647 |
| Loan loss allowance to noncurrent loans | 322.0588% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 4.8205% | 765 |
| Noncurrent loans to loans | 0.4793% | 5,224 |
| Net loans and leases to total assets | 52.6080% | 4,612 |
| Net loans and leases to deposits | 70.5755% | 3,378 |
| Net loans and leases to core deposits | 70.9338% | 3,960 |
| Total domestic deposits to total assets | 74.5415% | 6,502 |
| Equity capital to assets | 17.3163% | 391 |
| Core capital (leverage) ratio | 16.4226% | 410 |
| Tier 1 risk-based capital ratio | 25.8047% | 807 |
| Total risk-based capital ratio | 27.0530% | 797 |
| Memoranda: | ||
| Average total assets | $26,267,000 | 6,794 |
| Average earning assets | $20,417,500 | 6,844 |
| Average equity | $4,580,000 | 6,375 |
| Average total loans | $16,232,500 | 6,526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 1,292 |
| Cost of funding earning assets | 0.5682% | 4,659 |
| Net interest margin | 4.5408% | 875 |
| Noninterest income to average assets | 0.0653% | 6,637 |
| Noninterest expense to average assets | 4.7172% | 471 |
| Loan and lease loss provision to assets | 0.4878% | 1,246 |
| Net operating income to assets | -1.2215% | 6,801 |
| Return on assets (ROA) | -1.2215% | 6,814 |
| Pretax return on assets | -1.3944% | 6,825 |
| Return on Equity (ROE) | -6.6860% | 6,646 |
| Retained earnings to average equity (ytd only) | -6.6860% | 6,514 |
| Net charge-offs to loans | 1.2010% | 836 |
| Credit loss provision to net charge-offs | 62.5616% | 4,379 |
| Earnings coverage of net charge-offs (x) | -1.1626% | 5,769 |
| Efficiency ratio | 123.7903% | 183 |
| Assets per employee ($millions) | 3.2476% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,120 |
| Loan loss allowance to noncurrent loans | 3,128.5714% | 200 |
| Noncurrent assets plus other real estate owned to assets | 6.2045% | 545 |
| Noncurrent loans to loans | 0.0383% | 6,411 |
| Net loans and leases to total assets | 69.5046% | 1,938 |
| Net loans and leases to deposits | 93.7688% | 764 |
| Net loans and leases to core deposits | 94.7479% | 1,403 |
| Total domestic deposits to total assets | 74.1234% | 6,517 |
| Equity capital to assets | 17.5590% | 360 |
| Core capital (leverage) ratio | 15.9854% | 459 |
| Tier 1 risk-based capital ratio | 23.3118% | 1,064 |
| Total risk-based capital ratio | 24.5411% | 1,052 |
| Memoranda: | ||
| Average total assets | $26,032,600 | 6,843 |
| Average earning assets | $21,472,000 | 6,872 |
| Average equity | $4,756,200 | 6,366 |
| Average total loans | $16,902,200 | 6,559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 1,648 |
| Cost of funding earning assets | 0.5938% | 4,712 |
| Net interest margin | 4.4254% | 1,149 |
| Noninterest income to average assets | 0.3890% | 4,721 |
| Noninterest expense to average assets | 4.7915% | 427 |
| Loan and lease loss provision to assets | 0.6143% | 878 |
| Net operating income to assets | -0.7423% | 6,793 |
| Return on assets (ROA) | -0.7423% | 6,819 |
| Pretax return on assets | -1.3924% | 6,941 |
| Return on Equity (ROE) | -4.0237% | 6,678 |
| Retained earnings to average equity (ytd only) | -4.0237% | 6,556 |
| Net charge-offs to loans | 1.6346% | 510 |
| Credit loss provision to net charge-offs | 59.1133% | 4,165 |
| Earnings coverage of net charge-offs (x) | -0.7488% | 5,544 |
| Efficiency ratio | 119.3878% | 200 |
| Assets per employee ($millions) | 3.3340% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,323 |
| Loan loss allowance to noncurrent loans | 60.3989% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 7.7422% | 408 |
| Noncurrent loans to loans | 1.9724% | 2,868 |
| Net loans and leases to total assets | 65.9268% | 2,664 |
| Net loans and leases to deposits | 88.7767% | 1,271 |
| Net loans and leases to core deposits | 89.6777% | 2,023 |
| Total domestic deposits to total assets | 74.2614% | 6,582 |
| Equity capital to assets | 17.8014% | 377 |
| Core capital (leverage) ratio | 16.7659% | 397 |
| Tier 1 risk-based capital ratio | 23.4575% | 1,098 |
| Total risk-based capital ratio | 24.6192% | 1,097 |
| Memoranda: | ||
| Average total assets | $26,045,500 | 6,926 |
| Average earning assets | $21,330,750 | 6,966 |
| Average equity | $4,804,750 | 6,426 |
| Average total loans | $16,558,500 | 6,657 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 2,100 |
| Cost of funding earning assets | 0.6139% | 4,775 |
| Net interest margin | 4.2880% | 1,504 |
| Noninterest income to average assets | 0.4490% | 4,299 |
| Noninterest expense to average assets | 5.0626% | 358 |
| Loan and lease loss provision to assets | 0.9289% | 492 |
| Net operating income to assets | -1.1534% | 6,942 |
| Return on assets (ROA) | -1.1534% | 6,962 |
| Pretax return on assets | -2.0281% | 7,071 |
| Return on Equity (ROE) | -6.1779% | 6,806 |
| Retained earnings to average equity (ytd only) | -6.1779% | 6,681 |
| Net charge-offs to loans | 2.5146% | 279 |
| Credit loss provision to net charge-offs | 59.1133% | 3,824 |
| Earnings coverage of net charge-offs (x) | -0.6995% | 5,268 |
| Efficiency ratio | 127.7344% | 178 |
| Assets per employee ($millions) | 2.8356% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 4,846 |
| Loan loss allowance to noncurrent loans | 26.1406% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 10.7915% | 223 |
| Noncurrent loans to loans | 5.0161% | 981 |
| Net loans and leases to total assets | 62.5235% | 3,334 |
| Net loans and leases to deposits | 81.0155% | 2,225 |
| Net loans and leases to core deposits | 81.8424% | 2,984 |
| Total domestic deposits to total assets | 77.1748% | 6,300 |
| Equity capital to assets | 18.5580% | 302 |
| Core capital (leverage) ratio | 17.6620% | 310 |
| Tier 1 risk-based capital ratio | 23.7416% | 1,048 |
| Total risk-based capital ratio | 24.9130% | 1,039 |
| Memoranda: | ||
| Average total assets | $25,836,670 | 6,991 |
| Average earning assets | $21,175,330 | 7,025 |
| Average equity | $4,823,670 | 6,442 |
| Average total loans | $16,146,000 | 6,727 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 2,242 |
| Cost of funding earning assets | 0.6219% | 4,949 |
| Net interest margin | 4.2782% | 1,536 |
| Noninterest income to average assets | 0.7540% | 2,375 |
| Noninterest expense to average assets | 5.2626% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5540% | 6,857 |
| Return on assets (ROA) | -0.5540% | 6,880 |
| Pretax return on assets | -1.0156% | 6,981 |
| Return on Equity (ROE) | -2.9584% | 6,750 |
| Retained earnings to average equity (ytd only) | -2.9584% | 6,389 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9130% | 190 |
| Assets per employee ($millions) | 2.7641% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0205% | 2,298 |
| Loan loss allowance to noncurrent loans | 16.9046% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 13.3135% | 157 |
| Noncurrent loans to loans | 11.9522% | 207 |
| Net loans and leases to total assets | 57.6999% | 4,084 |
| Net loans and leases to deposits | 72.3123% | 3,382 |
| Net loans and leases to core deposits | 73.0446% | 4,015 |
| Total domestic deposits to total assets | 79.7926% | 5,900 |
| Equity capital to assets | 19.5281% | 241 |
| Core capital (leverage) ratio | 17.9388% | 299 |
| Tier 1 risk-based capital ratio | 25.4738% | 857 |
| Total risk-based capital ratio | 26.7277% | 835 |
| Memoranda: | ||
| Average total assets | $25,995,000 | 7,051 |
| Average earning assets | $21,224,000 | 7,086 |
| Average equity | $4,867,500 | 6,466 |
| Average total loans | $16,135,000 | 6,788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 2,347 |
| Cost of funding earning assets | 0.7423% | 5,262 |
| Net interest margin | 4.3842% | 1,434 |
| Noninterest income to average assets | 0.2652% | 5,623 |
| Noninterest expense to average assets | 5.3110% | 299 |
| Loan and lease loss provision to assets | 2.5175% | 175 |
| Net operating income to assets | -2.2123% | 7,062 |
| Return on assets (ROA) | -2.2123% | 7,079 |
| Pretax return on assets | -3.9160% | 7,267 |
| Return on Equity (ROE) | -12.0318% | 6,801 |
| Retained earnings to average equity (ytd only) | -12.0318% | 6,772 |
| Net charge-offs to loans | 5.6690% | 58 |
| Credit loss provision to net charge-offs | 67.0213% | 4,963 |
| Earnings coverage of net charge-offs (x) | -0.3723% | 6,037 |
| Efficiency ratio | 135.7474% | 202 |
| Assets per employee ($millions) | 3.0126% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 3,281 |
| Loan loss allowance to noncurrent loans | 15.2420% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 12.9200% | 175 |
| Noncurrent loans to loans | 11.0216% | 263 |
| Net loans and leases to total assets | 63.8955% | 3,210 |
| Net loans and leases to deposits | 86.1976% | 1,644 |
| Net loans and leases to core deposits | 87.0597% | 2,497 |
| Total domestic deposits to total assets | 74.1268% | 6,703 |
| Equity capital to assets | 17.9877% | 351 |
| Core capital (leverage) ratio | 15.8149% | 483 |
| Tier 1 risk-based capital ratio | 21.1653% | 1,383 |
| Total risk-based capital ratio | 22.4183% | 1,358 |
| Memoranda: | ||
| Average total assets | $27,527,800 | 7,040 |
| Average earning assets | $22,900,400 | 7,081 |
| Average equity | $5,061,600 | 6,424 |
| Average total loans | $18,239,600 | 6,743 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 2,923 |
| Cost of funding earning assets | 0.7566% | 5,425 |
| Net interest margin | 4.2760% | 1,803 |
| Noninterest income to average assets | 0.2364% | 5,932 |
| Noninterest expense to average assets | 4.9266% | 403 |
| Loan and lease loss provision to assets | 2.2003% | 230 |
| Net operating income to assets | -2.2277% | 7,182 |
| Return on assets (ROA) | -2.2245% | 7,188 |
| Pretax return on assets | -3.2860% | 7,291 |
| Return on Equity (ROE) | -12.0337% | 6,950 |
| Retained earnings to average equity (ytd only) | -12.0337% | 6,921 |
| Net charge-offs to loans | 3.9359% | 178 |
| Credit loss provision to net charge-offs | 83.9779% | 4,001 |
| Earnings coverage of net charge-offs (x) | -0.4162% | 5,806 |
| Efficiency ratio | 128.4277% | 237 |
| Assets per employee ($millions) | 3.1296% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9750% | 878 |
| Loan loss allowance to noncurrent loans | 27.2863% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 9.8204% | 372 |
| Noncurrent loans to loans | 10.9028% | 297 |
| Net loans and leases to total assets | 63.5696% | 3,403 |
| Net loans and leases to deposits | 85.1119% | 1,819 |
| Net loans and leases to core deposits | 85.9248% | 2,779 |
| Total domestic deposits to total assets | 74.6893% | 6,681 |
| Equity capital to assets | 17.8123% | 414 |
| Core capital (leverage) ratio | 18.0619% | 320 |
| Tier 1 risk-based capital ratio | 24.9793% | 916 |
| Total risk-based capital ratio | 26.2490% | 902 |
| Memoranda: | ||
| Average total assets | $27,631,500 | 7,104 |
| Average earning assets | $23,260,750 | 7,139 |
| Average equity | $5,107,750 | 6,464 |
| Average total loans | $18,394,500 | 6,800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 2,956 |
| Cost of funding earning assets | 0.7870% | 5,464 |
| Net interest margin | 4.2551% | 1,822 |
| Noninterest income to average assets | 0.1821% | 6,354 |
| Noninterest expense to average assets | 5.1068% | 341 |
| Loan and lease loss provision to assets | 3.3293% | 126 |
| Net operating income to assets | -3.1982% | 7,326 |
| Return on assets (ROA) | -3.1982% | 7,333 |
| Pretax return on assets | -4.6697% | 7,426 |
| Return on Equity (ROE) | -17.0884% | 7,114 |
| Retained earnings to average equity (ytd only) | -17.0884% | 7,095 |
| Net charge-offs to loans | 5.8885% | 91 |
| Credit loss provision to net charge-offs | 84.4732% | 3,636 |
| Earnings coverage of net charge-offs (x) | -0.3401% | 5,471 |
| Efficiency ratio | 135.5899% | 222 |
| Assets per employee ($millions) | 3.0019% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9756% | 918 |
| Loan loss allowance to noncurrent loans | 27.2727% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 10.2824% | 372 |
| Noncurrent loans to loans | 10.9105% | 323 |
| Net loans and leases to total assets | 66.6210% | 2,904 |
| Net loans and leases to deposits | 97.5503% | 619 |
| Net loans and leases to core deposits | 98.6139% | 1,456 |
| Total domestic deposits to total assets | 68.2940% | 7,177 |
| Equity capital to assets | 18.5365% | 342 |
| Core capital (leverage) ratio | 20.0646% | 222 |
| Tier 1 risk-based capital ratio | 25.2964% | 878 |
| Total risk-based capital ratio | 26.5654% | 859 |
| Memoranda: | ||
| Average total assets | $27,453,330 | 7,175 |
| Average earning assets | $23,125,330 | 7,210 |
| Average equity | $5,138,000 | 6,488 |
| Average total loans | $18,374,670 | 6,868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 1,785 |
| Cost of funding earning assets | 0.7790% | 5,677 |
| Net interest margin | 4.5503% | 960 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 5.6087% | 243 |
| Loan and lease loss provision to assets | 6.5627% | 36 |
| Net operating income to assets | -5.8110% | 7,503 |
| Return on assets (ROA) | -5.8110% | 7,505 |
| Pretax return on assets | -8.4564% | 7,541 |
| Return on Equity (ROE) | -30.9052% | 7,327 |
| Retained earnings to average equity (ytd only) | -30.9052% | 7,301 |
| Net charge-offs to loans | 11.8339% | 24 |
| Credit loss provision to net charge-offs | 83.9187% | 3,071 |
| Earnings coverage of net charge-offs (x) | -0.2421% | 4,714 |
| Efficiency ratio | 150.9728% | 158 |
| Assets per employee ($millions) | 2.1025% | 7,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7400% | 514 |
| Loan loss allowance to noncurrent loans | 27.2052% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 11.9855% | 273 |
| Noncurrent loans to loans | 13.7475% | 194 |
| Net loans and leases to total assets | 61.0948% | 4,057 |
| Net loans and leases to deposits | 78.3086% | 3,007 |
| Net loans and leases to core deposits | 79.1818% | 3,854 |
| Total domestic deposits to total assets | 78.0180% | 6,377 |
| Equity capital to assets | 21.6404% | 179 |
| Core capital (leverage) ratio | 18.0942% | 330 |
| Tier 1 risk-based capital ratio | 29.3551% | 552 |
| Total risk-based capital ratio | 30.6304% | 541 |
| Memoranda: | ||
| Average total assets | $27,671,500 | 7,216 |
| Average earning assets | $22,592,000 | 7,277 |
| Average equity | $5,203,000 | 6,480 |
| Average total loans | $18,286,500 | 6,926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4889% | 2,336 |
| Cost of funding earning assets | 1.1567% | 4,811 |
| Net interest margin | 4.3322% | 1,704 |
| Noninterest income to average assets | 17.6897% | 42 |
| Noninterest expense to average assets | 16.8687% | 46 |
| Loan and lease loss provision to assets | 0.9615% | 1,687 |
| Net operating income to assets | 2.9121% | 81 |
| Return on assets (ROA) | 1.5238% | 786 |
| Pretax return on assets | 2.2717% | 265 |
| Return on Equity (ROE) | 9.8043% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.6387% | 1,487 |
| Net charge-offs to loans | 1.8551% | 1,120 |
| Credit loss provision to net charge-offs | 70.6612% | 5,847 |
| Earnings coverage of net charge-offs (x) | 3.3967% | 3,381 |
| Efficiency ratio | 78.4929% | 2,618 |
| Assets per employee ($millions) | 2.9286% | 6,252 |
| Cash dividends to net income (ytd only)* | 32.2878% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9049% | 948 |
| Loan loss allowance to noncurrent loans | 21.2709% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 10.7031% | 364 |
| Noncurrent loans to loans | 13.6567% | 208 |
| Net loans and leases to total assets | 65.9879% | 3,471 |
| Net loans and leases to deposits | 101.1659% | 520 |
| Net loans and leases to core deposits | 104.6213% | 1,273 |
| Total domestic deposits to total assets | 65.2274% | 7,410 |
| Equity capital to assets | 16.7655% | 484 |
| Core capital (leverage) ratio | 15.8612% | 524 |
| Tier 1 risk-based capital ratio | 22.4066% | 1,124 |
| Total risk-based capital ratio | 23.6752% | 1,100 |
| Memoranda: | ||
| Average total assets | $35,568,800 | 7,022 |
| Average earning assets | $31,208,200 | 7,045 |
| Average equity | $5,528,200 | 6,498 |
| Average total loans | $26,090,400 | 6,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 2,566 |
| Cost of funding earning assets | 1.2385% | 4,637 |
| Net interest margin | 4.2299% | 2,108 |
| Noninterest income to average assets | 16.3297% | 43 |
| Noninterest expense to average assets | 13.1765% | 58 |
| Loan and lease loss provision to assets | 0.1099% | 5,935 |
| Net operating income to assets | 5.5219% | 26 |
| Return on assets (ROA) | 3.5889% | 54 |
| Pretax return on assets | 4.8744% | 54 |
| Return on Equity (ROE) | 23.5005% | 151 |
| Retained earnings to average equity (ytd only) | 23.5005% | 43 |
| Net charge-offs to loans | 1.1398% | 1,790 |
| Credit loss provision to net charge-offs | 12.9310% | 6,311 |
| Earnings coverage of net charge-offs (x) | 8.1421% | 2,207 |
| Efficiency ratio | 65.5732% | 4,949 |
| Assets per employee ($millions) | 0.9611% | 7,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,577 |
| Loan loss allowance to noncurrent loans | 16.8569% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 10.7587% | 343 |
| Noncurrent loans to loans | 13.8144% | 193 |
| Net loans and leases to total assets | 71.8206% | 2,291 |
| Net loans and leases to deposits | 116.2273% | 154 |
| Net loans and leases to core deposits | 120.2419% | 599 |
| Total domestic deposits to total assets | 61.7932% | 7,566 |
| Equity capital to assets | 18.1105% | 407 |
| Core capital (leverage) ratio | 18.2763% | 332 |
| Tier 1 risk-based capital ratio | 26.7219% | 723 |
| Total risk-based capital ratio | 27.9857% | 696 |
| Memoranda: | ||
| Average total assets | $36,407,250 | 7,079 |
| Average earning assets | $32,403,500 | 7,085 |
| Average equity | $5,560,000 | 6,579 |
| Average total loans | $27,139,500 | 6,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 3,835 |
| Cost of funding earning assets | 1.3328% | 4,309 |
| Net interest margin | 3.8897% | 3,493 |
| Noninterest income to average assets | 14.3047% | 50 |
| Noninterest expense to average assets | 10.8652% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 5.4594% | 29 |
| Return on assets (ROA) | 3.5414% | 59 |
| Pretax return on assets | 4.9772% | 50 |
| Return on Equity (ROE) | 24.5603% | 135 |
| Retained earnings to average equity (ytd only) | 24.5603% | 49 |
| Net charge-offs to loans | 0.5368% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.1600% | 1,362 |
| Efficiency ratio | 61.1765% | 5,823 |
| Assets per employee ($millions) | 1.0507% | 7,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5282% | 1,268 |
| Loan loss allowance to noncurrent loans | 21.8255% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 9.9418% | 411 |
| Noncurrent loans to loans | 11.5838% | 317 |
| Net loans and leases to total assets | 73.7015% | 1,980 |
| Net loans and leases to deposits | 112.5213% | 225 |
| Net loans and leases to core deposits | 130.3593% | 413 |
| Total domestic deposits to total assets | 65.5001% | 7,549 |
| Equity capital to assets | 15.4919% | 771 |
| Core capital (leverage) ratio | 17.5262% | 397 |
| Tier 1 risk-based capital ratio | 23.9783% | 948 |
| Total risk-based capital ratio | 25.2461% | 927 |
| Memoranda: | ||
| Average total assets | $37,330,330 | 7,099 |
| Average earning assets | $33,164,330 | 7,106 |
| Average equity | $5,382,670 | 6,656 |
| Average total loans | $27,941,000 | 6,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 2,808 |
| Cost of funding earning assets | 1.5498% | 3,269 |
| Net interest margin | 3.9045% | 3,308 |
| Noninterest income to average assets | 10.4870% | 66 |
| Noninterest expense to average assets | 8.9022% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 4.5841% | 44 |
| Return on assets (ROA) | 3.3184% | 74 |
| Pretax return on assets | 3.7757% | 86 |
| Return on Equity (ROE) | 23.8829% | 193 |
| Retained earnings to average equity (ytd only) | 23.8829% | 112 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8444% | 5,529 |
| Assets per employee ($millions) | 1.0698% | 7,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9472% | 859 |
| Loan loss allowance to noncurrent loans | 31.9770% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 6.8918% | 790 |
| Noncurrent loans to loans | 9.2166% | 513 |
| Net loans and leases to total assets | 72.5717% | 2,308 |
| Net loans and leases to deposits | 94.8467% | 1,251 |
| Net loans and leases to core deposits | 120.0675% | 783 |
| Total domestic deposits to total assets | 76.5147% | 6,660 |
| Equity capital to assets | 15.2197% | 833 |
| Core capital (leverage) ratio | 14.5234% | 849 |
| Tier 1 risk-based capital ratio | 22.6632% | 1,126 |
| Total risk-based capital ratio | 23.9367% | 1,096 |
| Memoranda: | ||
| Average total assets | $37,608,500 | 7,181 |
| Average earning assets | $33,295,000 | 7,191 |
| Average equity | $5,225,500 | 6,771 |
| Average total loans | $28,008,500 | 6,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 6,136 |
| Cost of funding earning assets | 2.0046% | 2,938 |
| Net interest margin | 3.0829% | 6,420 |
| Noninterest income to average assets | 7.5660% | 94 |
| Noninterest expense to average assets | 7.3719% | 185 |
| Loan and lease loss provision to assets | 1.7673% | 1,289 |
| Net operating income to assets | 1.1736% | 1,317 |
| Return on assets (ROA) | 0.5960% | 3,427 |
| Pretax return on assets | 0.7092% | 3,536 |
| Return on Equity (ROE) | 5.1985% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.6947% | 1,981 |
| Net charge-offs to loans | 0.6116% | 3,380 |
| Credit loss provision to net charge-offs | 378.7129% | 841 |
| Earnings coverage of net charge-offs (x) | 6.5446% | 2,342 |
| Efficiency ratio | 70.7068% | 4,491 |
| Assets per employee ($millions) | 1.9007% | 7,785 |
| Cash dividends to net income (ytd only)* | 9.6899% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6267% | 1,096 |
| Loan loss allowance to noncurrent loans | 31.0331% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 6.2810% | 878 |
| Noncurrent loans to loans | 8.4642% | 566 |
| Net loans and leases to total assets | 72.2579% | 2,690 |
| Net loans and leases to deposits | 92.1467% | 1,872 |
| Net loans and leases to core deposits | 108.5963% | 3,043 |
| Total domestic deposits to total assets | 78.4161% | 6,137 |
| Equity capital to assets | 12.7224% | 1,633 |
| Core capital (leverage) ratio | 11.6001% | 1,867 |
| Tier 1 risk-based capital ratio | 19.8037% | 1,491 |
| Total risk-based capital ratio | 21.0769% | 1,451 |
| Memoranda: | ||
| Average total assets | $43,286,000 | 6,978 |
| Average earning assets | $40,157,000 | 6,936 |
| Average equity | $4,963,000 | 6,955 |
| Average total loans | $33,026,000 | 6,462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6244% | 592 |
| Cost of funding earning assets | 2.0818% | 2,974 |
| Net interest margin | 4.5426% | 1,088 |
| Noninterest income to average assets | 6.2089% | 121 |
| Noninterest expense to average assets | 6.6349% | 235 |
| Loan and lease loss provision to assets | 2.0848% | 851 |
| Net operating income to assets | 1.3113% | 1,192 |
| Return on assets (ROA) | 0.6768% | 3,354 |
| Pretax return on assets | 1.1270% | 2,483 |
| Return on Equity (ROE) | 6.0528% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.3773% | 2,268 |
| Net charge-offs to loans | 0.0079% | 6,855 |
| Credit loss provision to net charge-offs | 34,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 635.6891% | 44 |
| Efficiency ratio | 63.3035% | 5,872 |
| Assets per employee ($millions) | 2.4417% | 7,319 |
| Cash dividends to net income (ytd only)* | 11.1598% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6909% | 892 |
| Loan loss allowance to noncurrent loans | 32.8603% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 5.6272% | 998 |
| Noncurrent loans to loans | 8.1888% | 581 |
| Net loans and leases to total assets | 66.8694% | 4,221 |
| Net loans and leases to deposits | 83.5808% | 3,714 |
| Net loans and leases to core deposits | 95.2985% | 4,897 |
| Total domestic deposits to total assets | 80.0057% | 5,432 |
| Equity capital to assets | 10.3084% | 3,723 |
| Core capital (leverage) ratio | 10.7176% | 2,628 |
| Tier 1 risk-based capital ratio | 16.9294% | 2,297 |
| Total risk-based capital ratio | 18.2000% | 2,239 |
| Memoranda: | ||
| Average total assets | $44,129,000 | 6,994 |
| Average earning assets | $41,502,000 | 6,936 |
| Average equity | $4,934,250 | 7,028 |
| Average total loans | $33,877,750 | 6,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6409% | 613 |
| Cost of funding earning assets | 2.2621% | 2,517 |
| Net interest margin | 4.3788% | 1,454 |
| Noninterest income to average assets | 0.9492% | 1,763 |
| Noninterest expense to average assets | 2.5282% | 6,026 |
| Loan and lease loss provision to assets | 0.2115% | 4,931 |
| Net operating income to assets | 1.5601% | 741 |
| Return on assets (ROA) | 1.5601% | 798 |
| Pretax return on assets | 2.3120% | 293 |
| Return on Equity (ROE) | 13.5483% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.5483% | 279 |
| Net charge-offs to loans | 0.0118% | 6,393 |
| Credit loss provision to net charge-offs | 2,250.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 268.5000% | 148 |
| Efficiency ratio | 50.0465% | 7,669 |
| Assets per employee ($millions) | 5.7959% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 7,481 |
| Loan loss allowance to noncurrent loans | 15.9851% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 3.4809% | 1,788 |
| Noncurrent loans to loans | 4.1985% | 1,576 |
| Net loans and leases to total assets | 82.3517% | 892 |
| Net loans and leases to deposits | 110.2437% | 540 |
| Net loans and leases to core deposits | 131.6917% | 1,448 |
| Total domestic deposits to total assets | 74.6997% | 6,823 |
| Equity capital to assets | 11.0165% | 2,908 |
| Core capital (leverage) ratio | 11.9866% | 1,835 |
| Tier 1 risk-based capital ratio | 15.4763% | 2,820 |
| Total risk-based capital ratio | 16.2726% | 2,946 |
| Memoranda: | ||
| Average total assets | $42,560,670 | 7,111 |
| Average earning assets | $39,874,330 | 7,057 |
| Average equity | $4,901,000 | 7,095 |
| Average total loans | $33,984,330 | 6,502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9766% | 357 |
| Cost of funding earning assets | 2.5408% | 1,765 |
| Net interest margin | 4.4358% | 1,261 |
| Noninterest income to average assets | 0.4624% | 4,657 |
| Noninterest expense to average assets | 2.6563% | 5,198 |
| Loan and lease loss provision to assets | 0.1476% | 5,055 |
| Net operating income to assets | 1.2199% | 1,600 |
| Return on assets (ROA) | 1.2199% | 1,704 |
| Pretax return on assets | 1.7807% | 1,016 |
| Return on Equity (ROE) | 10.3387% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.3387% | 1,109 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9399% | 6,710 |
| Assets per employee ($millions) | 5.0764% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 7,429 |
| Loan loss allowance to noncurrent loans | 12.8707% | 7,464 |
| Noncurrent assets plus other real estate owned to assets | 4.4003% | 1,104 |
| Noncurrent loans to loans | 5.4774% | 938 |
| Net loans and leases to total assets | 79.7690% | 1,435 |
| Net loans and leases to deposits | 103.6972% | 1,029 |
| Net loans and leases to core deposits | 129.6578% | 1,686 |
| Total domestic deposits to total assets | 76.9250% | 6,293 |
| Equity capital to assets | 12.0534% | 2,226 |
| Core capital (leverage) ratio | 11.8654% | 1,966 |
| Tier 1 risk-based capital ratio | 16.0055% | 2,688 |
| Total risk-based capital ratio | 16.7716% | 2,782 |
| Memoranda: | ||
| Average total assets | $40,657,500 | 7,223 |
| Average earning assets | $37,783,500 | 7,185 |
| Average equity | $4,797,500 | 7,187 |
| Average total loans | $31,755,500 | 6,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9237% | 71 |
| Cost of funding earning assets | 3.1206% | 1,448 |
| Net interest margin | 5.8031% | 132 |
| Noninterest income to average assets | 0.2930% | 6,366 |
| Noninterest expense to average assets | 3.3756% | 2,747 |
| Loan and lease loss provision to assets | 0.0636% | 6,605 |
| Net operating income to assets | 1.5178% | 983 |
| Return on assets (ROA) | 1.5178% | 949 |
| Pretax return on assets | 2.2366% | 366 |
| Return on Equity (ROE) | 12.4642% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.4642% | 196 |
| Net charge-offs to loans | 0.0619% | 5,892 |
| Credit loss provision to net charge-offs | 135.2941% | 3,942 |
| Earnings coverage of net charge-offs (x) | 48.9412% | 772 |
| Efficiency ratio | 59.4739% | 6,436 |
| Assets per employee ($millions) | 5.0880% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 7,423 |
| Loan loss allowance to noncurrent loans | 43.3735% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 3,778 |
| Noncurrent loans to loans | 1.6124% | 3,350 |
| Net loans and leases to total assets | 75.3489% | 2,793 |
| Net loans and leases to deposits | 97.5571% | 2,184 |
| Net loans and leases to core deposits | 122.7144% | 2,426 |
| Total domestic deposits to total assets | 77.2357% | 5,934 |
| Equity capital to assets | 11.5468% | 2,606 |
| Core capital (leverage) ratio | 10.6452% | 2,866 |
| Tier 1 risk-based capital ratio | 15.6917% | 2,784 |
| Total risk-based capital ratio | 16.4158% | 2,893 |
| Memoranda: | ||
| Average total assets | $36,171,400 | 7,374 |
| Average earning assets | $33,551,000 | 7,343 |
| Average equity | $4,404,600 | 7,357 |
| Average total loans | $27,453,000 | 6,878 |