Home > Powell State Bank > Performance and Condition Ratios
Powell State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 2,815 |
| Cost of funding earning assets | 1.4701% | 3,281 |
| Net interest margin | 3.6886% | 1,902 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 4.3444% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.7348% | 4,346 |
| Return on assets (ROA) | -0.7348% | 4,377 |
| Pretax return on assets | -0.7348% | 4,365 |
| Return on Equity (ROE) | -2.4700% | 4,283 |
| Retained earnings to average equity (ytd only) | -2.4664% | 3,949 |
| Net charge-offs to loans | 1.3371% | 109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | -1.7170% | 4,429 |
| Efficiency ratio | 115.6600% | 144 |
| Assets per employee ($millions) | 3.8656% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | -0.3154% | 4,489 |
| Loan loss allowance to noncurrent loans | -4.1420% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.3541% | 162 |
| Noncurrent loans to loans | 7.6146% | 23 |
| Net loans and leases to total assets | 31.0100% | 4,182 |
| Net loans and leases to deposits | 45.2566% | 4,008 |
| Net loans and leases to core deposits | 46.1040% | 4,059 |
| Total domestic deposits to total assets | 68.5300% | 4,224 |
| Equity capital to assets | 29.3037% | 164 |
| Core capital (leverage) ratio | 26.3845% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $49,535,500 | 4,225 |
| Average earning assets | $44,895,500 | 4,204 |
| Average equity | $14,758,500 | 3,393 |
| Average total loans | $15,855,500 | 4,253 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3341% | 4,489 |
| Cost of funding earning assets | 0.0621% | 4,396 |
| Net interest margin | 0.2720% | 4,442 |
| Noninterest income to average assets | 0.0200% | 4,417 |
| Noninterest expense to average assets | 0.3394% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.0690% | 4,233 |
| Return on assets (ROA) | -0.0690% | 4,250 |
| Pretax return on assets | -0.0690% | 4,227 |
| Return on Equity (ROE) | -0.4500% | 4,214 |
| Retained earnings to average equity (ytd only) | -0.4504% | 4,031 |
| Net charge-offs to loans | -0.0221% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 125.5102% | 119 |
| Assets per employee ($millions) | 3.7552% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0247% | 4,397 |
| Loan loss allowance to noncurrent loans | 0.3252% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.5196% | 123 |
| Noncurrent loans to loans | 7.6043% | 28 |
| Net loans and leases to total assets | 33.1300% | 4,170 |
| Net loans and leases to deposits | 49.0075% | 3,944 |
| Net loans and leases to core deposits | 49.8674% | 4,015 |
| Total domestic deposits to total assets | 67.5900% | 4,259 |
| Equity capital to assets | 30.2983% | 161 |
| Core capital (leverage) ratio | 27.3770% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $36,238,000 | 4,332 |
| Average earning assets | $33,825,400 | 4,304 |
| Average equity | $5,550,800 | 4,197 |
| Average total loans | $18,134,800 | 4,238 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 1,617 |
| Cost of funding earning assets | 1.3602% | 3,575 |
| Net interest margin | 4.4014% | 714 |
| Noninterest income to average assets | 0.7600% | 965 |
| Noninterest expense to average assets | 4.1901% | 333 |
| Loan and lease loss provision to assets | 2.3800% | 26 |
| Net operating income to assets | -1.6277% | 4,463 |
| Return on assets (ROA) | -1.6277% | 4,494 |
| Pretax return on assets | -1.6599% | 4,490 |
| Return on Equity (ROE) | -16.6200% | 4,473 |
| Retained earnings to average equity (ytd only) | -16.6213% | 4,471 |
| Net charge-offs to loans | 0.8447% | 165 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 1.5085% | 2,659 |
| Efficiency ratio | 85.3859% | 732 |
| Assets per employee ($millions) | 3.9816% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5389% | 89 |
| Loan loss allowance to noncurrent loans | 329.8387% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 906 |
| Noncurrent loans to loans | 1.3761% | 720 |
| Net loans and leases to total assets | 54.0100% | 3,404 |
| Net loans and leases to deposits | 61.7694% | 3,492 |
| Net loans and leases to core deposits | 62.9745% | 3,686 |
| Total domestic deposits to total assets | 87.4400% | 1,444 |
| Equity capital to assets | 9.3366% | 2,792 |
| Core capital (leverage) ratio | 9.3886% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $33,093,000 | 4,374 |
| Average earning assets | $31,171,000 | 4,344 |
| Average equity | $3,240,750 | 4,381 |
| Average total loans | $18,624,750 | 4,256 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9594% | 1,228 |
| Cost of funding earning assets | 1.4582% | 3,379 |
| Net interest margin | 4.5013% | 623 |
| Noninterest income to average assets | 0.6200% | 1,373 |
| Noninterest expense to average assets | 4.1425% | 335 |
| Loan and lease loss provision to assets | 0.3600% | 263 |
| Net operating income to assets | 0.4059% | 3,648 |
| Return on assets (ROA) | 0.4059% | 3,687 |
| Pretax return on assets | 0.3581% | 3,866 |
| Return on Equity (ROE) | 4.0800% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.0845% | 2,682 |
| Net charge-offs to loans | 1.2005% | 109 |
| Credit loss provision to net charge-offs | 53.0973% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.0619% | 2,496 |
| Efficiency ratio | 85.2580% | 782 |
| Assets per employee ($millions) | 3.2482% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 890 |
| Loan loss allowance to noncurrent loans | 113.1274% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 813 |
| Noncurrent loans to loans | 1.4022% | 631 |
| Net loans and leases to total assets | 55.9600% | 3,270 |
| Net loans and leases to deposits | 64.7734% | 3,318 |
| Net loans and leases to core deposits | 66.0154% | 3,547 |
| Total domestic deposits to total assets | 86.4000% | 1,857 |
| Equity capital to assets | 10.4181% | 1,853 |
| Core capital (leverage) ratio | 10.3342% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $33,506,333 | 4,393 |
| Average earning assets | $31,546,667 | 4,364 |
| Average equity | $3,329,667 | 4,386 |
| Average total loans | $18,825,667 | 4,275 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 1,822 |
| Cost of funding earning assets | 1.3366% | 3,500 |
| Net interest margin | 4.1596% | 903 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 3.8097% | 422 |
| Loan and lease loss provision to assets | 0.3500% | 254 |
| Net operating income to assets | 0.1293% | 4,074 |
| Return on assets (ROA) | 0.1293% | 4,118 |
| Pretax return on assets | 0.1881% | 4,056 |
| Return on Equity (ROE) | 1.3300% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.3323% | 3,407 |
| Net charge-offs to loans | 2.2733% | 44 |
| Credit loss provision to net charge-offs | 27.7778% | 1,495 |
| Earnings coverage of net charge-offs (x) | 0.4259% | 2,111 |
| Efficiency ratio | 87.5676% | 710 |
| Assets per employee ($millions) | 3.5433% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,258 |
| Loan loss allowance to noncurrent loans | 93.0556% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 739 |
| Noncurrent loans to loans | 1.5449% | 513 |
| Net loans and leases to total assets | 51.8600% | 3,500 |
| Net loans and leases to deposits | 59.0823% | 3,570 |
| Net loans and leases to core deposits | 60.0948% | 3,765 |
| Total domestic deposits to total assets | 87.7700% | 1,508 |
| Equity capital to assets | 9.3529% | 2,429 |
| Core capital (leverage) ratio | 10.2665% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $34,018,500 | 4,421 |
| Average earning assets | $32,022,000 | 4,389 |
| Average equity | $3,302,500 | 4,408 |
| Average total loans | $19,003,000 | 4,299 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,924 |
| Cost of funding earning assets | 1.0838% | 3,107 |
| Net interest margin | 3.9870% | 1,228 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.6601% | 475 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.2442% | 4,108 |
| Return on assets (ROA) | 0.2442% | 4,115 |
| Pretax return on assets | 0.3521% | 4,034 |
| Return on Equity (ROE) | 2.7600% | 4,056 |
| Retained earnings to average equity (ytd only) | 2.7578% | 3,357 |
| Net charge-offs to loans | 0.3863% | 269 |
| Credit loss provision to net charge-offs | 93.3333% | 1,919 |
| Earnings coverage of net charge-offs (x) | 2.7200% | 2,678 |
| Efficiency ratio | 86.3362% | 543 |
| Assets per employee ($millions) | 3.2604% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 552 |
| Loan loss allowance to noncurrent loans | 159.4470% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 799 |
| Noncurrent loans to loans | 1.1206% | 644 |
| Net loans and leases to total assets | 58.3300% | 3,008 |
| Net loans and leases to deposits | 67.1872% | 3,092 |
| Net loans and leases to core deposits | 68.4445% | 3,376 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 10.0939% | 1,955 |
| Core capital (leverage) ratio | 10.5959% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $35,217,800 | 4,431 |
| Average earning assets | $33,308,200 | 4,392 |
| Average equity | $3,118,400 | 4,418 |
| Average total loans | $19,413,200 | 4,302 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 2,045 |
| Cost of funding earning assets | 1.1029% | 2,732 |
| Net interest margin | 3.8031% | 1,587 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.5534% | 517 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.2565% | 4,168 |
| Return on assets (ROA) | 0.2565% | 4,176 |
| Pretax return on assets | 0.3791% | 4,086 |
| Return on Equity (ROE) | 2.9900% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.9916% | 3,513 |
| Net charge-offs to loans | 0.3912% | 220 |
| Credit loss provision to net charge-offs | 75.4386% | 1,777 |
| Earnings coverage of net charge-offs (x) | 2.5439% | 2,477 |
| Efficiency ratio | 86.8302% | 483 |
| Assets per employee ($millions) | 3.3079% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 743 |
| Loan loss allowance to noncurrent loans | 175.5208% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 1,004 |
| Noncurrent loans to loans | 0.9535% | 864 |
| Net loans and leases to total assets | 59.8500% | 2,862 |
| Net loans and leases to deposits | 68.4778% | 2,947 |
| Net loans and leases to core deposits | 69.7271% | 3,220 |
| Total domestic deposits to total assets | 87.4100% | 1,765 |
| Equity capital to assets | 9.5922% | 2,046 |
| Core capital (leverage) ratio | 10.1816% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $35,871,250 | 4,442 |
| Average earning assets | $33,971,500 | 4,410 |
| Average equity | $3,075,250 | 4,437 |
| Average total loans | $19,425,500 | 4,318 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 2,098 |
| Cost of funding earning assets | 1.1421% | 2,159 |
| Net interest margin | 3.6100% | 2,017 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.4618% | 564 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.0435% | 4,394 |
| Return on assets (ROA) | 0.0435% | 4,426 |
| Pretax return on assets | 0.1956% | 4,326 |
| Return on Equity (ROE) | 0.5300% | 4,401 |
| Retained earnings to average equity (ytd only) | 0.5259% | 3,984 |
| Net charge-offs to loans | 0.4065% | 207 |
| Credit loss provision to net charge-offs | 89.7436% | 1,505 |
| Earnings coverage of net charge-offs (x) | 1.8205% | 2,349 |
| Efficiency ratio | 89.9718% | 354 |
| Assets per employee ($millions) | 3.5200% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 631 |
| Loan loss allowance to noncurrent loans | 164.4550% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 900 |
| Noncurrent loans to loans | 1.0866% | 666 |
| Net loans and leases to total assets | 54.1800% | 3,261 |
| Net loans and leases to deposits | 61.7597% | 3,319 |
| Net loans and leases to core deposits | 62.8050% | 3,504 |
| Total domestic deposits to total assets | 87.7300% | 1,697 |
| Equity capital to assets | 8.7273% | 2,703 |
| Core capital (leverage) ratio | 9.3866% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $36,802,000 | 4,457 |
| Average earning assets | $34,847,333 | 4,427 |
| Average equity | $3,042,667 | 4,470 |
| Average total loans | $19,188,667 | 4,341 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 2,213 |
| Cost of funding earning assets | 1.1048% | 1,739 |
| Net interest margin | 3.4384% | 2,535 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 3.3933% | 605 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | -0.2021% | 4,551 |
| Return on assets (ROA) | -0.2021% | 4,538 |
| Pretax return on assets | 0.0532% | 4,428 |
| Return on Equity (ROE) | -2.5100% | 4,517 |
| Retained earnings to average equity (ytd only) | -2.5099% | 4,228 |
| Net charge-offs to loans | 0.2307% | 323 |
| Credit loss provision to net charge-offs | 109.0909% | 1,066 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 1,962 |
| Efficiency ratio | 94.9405% | 236 |
| Assets per employee ($millions) | 3.7706% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 632 |
| Loan loss allowance to noncurrent loans | 145.4545% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 783 |
| Noncurrent loans to loans | 1.2553% | 545 |
| Net loans and leases to total assets | 50.1900% | 3,483 |
| Net loans and leases to deposits | 56.2337% | 3,559 |
| Net loans and leases to core deposits | 56.6732% | 3,708 |
| Total domestic deposits to total assets | 89.2600% | 1,437 |
| Equity capital to assets | 8.0995% | 3,170 |
| Core capital (leverage) ratio | 8.7890% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7619% | 1,029 |
| Memoranda: | ||
| Average total assets | $37,603,000 | 4,521 |
| Average earning assets | $35,482,000 | 4,490 |
| Average equity | $3,028,000 | 4,534 |
| Average total loans | $19,073,500 | 4,407 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 1,048 |
| Cost of funding earning assets | 0.4197% | 1,944 |
| Net interest margin | 3.8797% | 1,007 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.9146% | 1,104 |
| Loan and lease loss provision to assets | 0.6400% | 84 |
| Net operating income to assets | 0.5208% | 4,054 |
| Return on assets (ROA) | 0.5208% | 4,008 |
| Pretax return on assets | 0.5208% | 4,149 |
| Return on Equity (ROE) | 6.4200% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.4213% | 2,484 |
| Net charge-offs to loans | 0.8454% | 77 |
| Credit loss provision to net charge-offs | 157.6159% | 1,267 |
| Earnings coverage of net charge-offs (x) | 2.8543% | 2,490 |
| Efficiency ratio | 71.4758% | 1,503 |
| Assets per employee ($millions) | 3.7500% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8602% | 584 |
| Loan loss allowance to noncurrent loans | 153.2751% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 814 |
| Noncurrent loans to loans | 1.2136% | 579 |
| Net loans and leases to total assets | 49.3800% | 3,553 |
| Net loans and leases to deposits | 55.2512% | 3,613 |
| Net loans and leases to core deposits | 55.6798% | 3,735 |
| Total domestic deposits to total assets | 89.3800% | 1,609 |
| Equity capital to assets | 8.0053% | 3,056 |
| Core capital (leverage) ratio | 8.9674% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8352% | 1,002 |
| Memoranda: | ||
| Average total assets | $37,055,000 | 4,554 |
| Average earning assets | $35,260,400 | 4,523 |
| Average equity | $3,005,600 | 4,610 |
| Average total loans | $17,862,400 | 4,439 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 758 |
| Cost of funding earning assets | 0.3186% | 1,978 |
| Net interest margin | 3.9676% | 684 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.7970% | 1,255 |
| Loan and lease loss provision to assets | 0.5800% | 86 |
| Net operating income to assets | 0.8265% | 3,149 |
| Return on assets (ROA) | 0.8265% | 3,115 |
| Pretax return on assets | 0.8265% | 3,515 |
| Return on Equity (ROE) | 10.1600% | 2,677 |
| Retained earnings to average equity (ytd only) | 10.1555% | 1,300 |
| Net charge-offs to loans | 0.7647% | 69 |
| Credit loss provision to net charge-offs | 159.4059% | 1,098 |
| Earnings coverage of net charge-offs (x) | 3.8614% | 2,195 |
| Efficiency ratio | 66.5236% | 2,213 |
| Assets per employee ($millions) | 4.6424% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 951 |
| Loan loss allowance to noncurrent loans | 131.7073% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 795 |
| Noncurrent loans to loans | 1.2582% | 581 |
| Net loans and leases to total assets | 51.7700% | 3,301 |
| Net loans and leases to deposits | 57.9720% | 3,343 |
| Net loans and leases to core deposits | 58.4265% | 3,475 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 8.0239% | 2,872 |
| Core capital (leverage) ratio | 9.3345% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5585% | 1,075 |
| Memoranda: | ||
| Average total assets | $36,943,750 | 4,592 |
| Average earning assets | $35,150,500 | 4,560 |
| Average equity | $3,006,500 | 4,653 |
| Average total loans | $17,610,750 | 4,477 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 1,518 |
| Cost of funding earning assets | 0.2677% | 2,053 |
| Net interest margin | 3.4404% | 1,479 |
| Noninterest income to average assets | 0.4447% | 2,484 |
| Noninterest expense to average assets | 2.8309% | 1,114 |
| Loan and lease loss provision to assets | 0.7104% | 66 |
| Net operating income to assets | 0.1790% | 4,450 |
| Return on assets (ROA) | 0.1790% | 4,412 |
| Pretax return on assets | 0.1790% | 4,431 |
| Return on Equity (ROE) | 2.1888% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.1888% | 3,698 |
| Net charge-offs to loans | 1.3794% | 44 |
| Credit loss provision to net charge-offs | 111.9658% | 1,212 |
| Earnings coverage of net charge-offs (x) | 1.4017% | 2,071 |
| Efficiency ratio | 76.0933% | 1,272 |
| Assets per employee ($millions) | 4.4949% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 1,417 |
| Loan loss allowance to noncurrent loans | 76.7956% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 462 |
| Noncurrent loans to loans | 1.9481% | 335 |
| Net loans and leases to total assets | 50.9024% | 3,281 |
| Net loans and leases to deposits | 57.2519% | 3,286 |
| Net loans and leases to core deposits | 57.7158% | 3,444 |
| Total domestic deposits to total assets | 88.9096% | 2,225 |
| Equity capital to assets | 7.8951% | 3,203 |
| Core capital (leverage) ratio | 8.7782% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2570% | 1,134 |
| Memoranda: | ||
| Average total assets | $36,878,667 | 4,633 |
| Average earning assets | $35,112,667 | 4,616 |
| Average equity | $3,015,333 | 4,685 |
| Average total loans | $16,964,000 | 4,546 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 1,749 |
| Cost of funding earning assets | 0.2481% | 2,182 |
| Net interest margin | 3.2700% | 1,652 |
| Noninterest income to average assets | 0.2785% | 3,473 |
| Noninterest expense to average assets | 2.9567% | 873 |
| Loan and lease loss provision to assets | 0.5356% | 87 |
| Net operating income to assets | -0.1071% | 4,600 |
| Return on assets (ROA) | -0.1071% | 4,581 |
| Pretax return on assets | -0.1071% | 4,574 |
| Return on Equity (ROE) | -1.2889% | 4,603 |
| Retained earnings to average equity (ytd only) | -1.2889% | 4,170 |
| Net charge-offs to loans | 0.9161% | 74 |
| Credit loss provision to net charge-offs | 135.1351% | 889 |
| Earnings coverage of net charge-offs (x) | 1.0811% | 1,750 |
| Efficiency ratio | 87.3418% | 664 |
| Assets per employee ($millions) | 4.7203% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 1,103 |
| Loan loss allowance to noncurrent loans | 78.0282% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 554 |
| Noncurrent loans to loans | 2.1397% | 323 |
| Net loans and leases to total assets | 43.2022% | 3,799 |
| Net loans and leases to deposits | 48.2791% | 3,854 |
| Net loans and leases to core deposits | 48.6491% | 3,953 |
| Total domestic deposits to total assets | 89.4841% | 1,824 |
| Equity capital to assets | 7.8386% | 3,694 |
| Core capital (leverage) ratio | 8.4852% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9182% | 913 |
| Memoranda: | ||
| Average total assets | $37,338,500 | 4,653 |
| Average earning assets | $35,474,000 | 4,636 |
| Average equity | $3,103,500 | 4,711 |
| Average total loans | $16,155,000 | 4,578 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 2,275 |
| Cost of funding earning assets | 0.3350% | 2,066 |
| Net interest margin | 3.3062% | 2,303 |
| Noninterest income to average assets | 0.2727% | 3,763 |
| Noninterest expense to average assets | 2.8494% | 1,251 |
| Loan and lease loss provision to assets | 0.6261% | 81 |
| Net operating income to assets | -0.0195% | 4,690 |
| Return on assets (ROA) | -0.0195% | 4,697 |
| Pretax return on assets | -0.0723% | 4,704 |
| Return on Equity (ROE) | -0.2145% | 4,698 |
| Retained earnings to average equity (ytd only) | -0.2145% | 4,517 |
| Net charge-offs to loans | 1.4691% | 37 |
| Credit loss provision to net charge-offs | 101.8182% | 1,772 |
| Earnings coverage of net charge-offs (x) | 0.9045% | 2,631 |
| Efficiency ratio | 83.7285% | 588 |
| Assets per employee ($millions) | 4.6144% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 1,089 |
| Loan loss allowance to noncurrent loans | 65.5087% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 482 |
| Noncurrent loans to loans | 2.5638% | 260 |
| Net loans and leases to total assets | 41.8664% | 3,984 |
| Net loans and leases to deposits | 47.3775% | 4,032 |
| Net loans and leases to core deposits | 47.7537% | 4,102 |
| Total domestic deposits to total assets | 88.3679% | 1,846 |
| Equity capital to assets | 8.7959% | 3,811 |
| Core capital (leverage) ratio | 8.7643% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,937,200 | 4,698 |
| Average earning assets | $34,027,200 | 4,679 |
| Average equity | $3,263,400 | 4,757 |
| Average total loans | $14,975,600 | 4,654 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 2,491 |
| Cost of funding earning assets | 0.3556% | 2,057 |
| Net interest margin | 3.2674% | 2,520 |
| Noninterest income to average assets | 0.2914% | 3,707 |
| Noninterest expense to average assets | 2.8203% | 1,295 |
| Loan and lease loss provision to assets | 0.7312% | 63 |
| Net operating income to assets | -0.1009% | 4,772 |
| Return on assets (ROA) | -0.1009% | 4,780 |
| Pretax return on assets | -0.1718% | 4,793 |
| Return on Equity (ROE) | -1.1017% | 4,793 |
| Retained earnings to average equity (ytd only) | -1.1017% | 4,669 |
| Net charge-offs to loans | 1.9022% | 28 |
| Credit loss provision to net charge-offs | 92.8910% | 1,646 |
| Earnings coverage of net charge-offs (x) | 0.7109% | 2,398 |
| Efficiency ratio | 83.4254% | 554 |
| Assets per employee ($millions) | 3.9407% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,629 |
| Loan loss allowance to noncurrent loans | 75.6173% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 747 |
| Noncurrent loans to loans | 1.9849% | 448 |
| Net loans and leases to total assets | 45.3336% | 3,844 |
| Net loans and leases to deposits | 51.6795% | 3,907 |
| Net loans and leases to core deposits | 52.1099% | 4,031 |
| Total domestic deposits to total assets | 87.7206% | 1,995 |
| Equity capital to assets | 9.2342% | 3,619 |
| Core capital (leverage) ratio | 9.0152% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,692,750 | 4,772 |
| Average earning assets | $33,746,250 | 4,751 |
| Average equity | $3,267,500 | 4,827 |
| Average total loans | $14,789,750 | 4,724 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 2,879 |
| Cost of funding earning assets | 0.3842% | 2,023 |
| Net interest margin | 3.1208% | 2,984 |
| Noninterest income to average assets | 0.2852% | 3,717 |
| Noninterest expense to average assets | 2.9523% | 1,063 |
| Loan and lease loss provision to assets | 0.7604% | 55 |
| Net operating income to assets | -0.3690% | 4,850 |
| Return on assets (ROA) | -0.3690% | 4,855 |
| Pretax return on assets | -0.4753% | 4,867 |
| Return on Equity (ROE) | -4.0429% | 4,868 |
| Retained earnings to average equity (ytd only) | -4.0429% | 4,760 |
| Net charge-offs to loans | 1.5968% | 39 |
| Credit loss provision to net charge-offs | 119.2982% | 1,265 |
| Earnings coverage of net charge-offs (x) | 0.4474% | 2,192 |
| Efficiency ratio | 91.1917% | 310 |
| Assets per employee ($millions) | 3.9771% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 837 |
| Loan loss allowance to noncurrent loans | 91.8567% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 909 |
| Noncurrent loans to loans | 1.9971% | 492 |
| Net loans and leases to total assets | 42.1579% | 4,168 |
| Net loans and leases to deposits | 47.9565% | 4,219 |
| Net loans and leases to core deposits | 48.3514% | 4,311 |
| Total domestic deposits to total assets | 87.9086% | 1,882 |
| Equity capital to assets | 9.0155% | 3,780 |
| Core capital (leverage) ratio | 8.6131% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,768,333 | 4,805 |
| Average earning assets | $33,837,000 | 4,780 |
| Average equity | $3,265,000 | 4,860 |
| Average total loans | $14,278,667 | 4,766 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 3,211 |
| Cost of funding earning assets | 0.4023% | 2,075 |
| Net interest margin | 2.9936% | 3,275 |
| Noninterest income to average assets | 0.1566% | 4,421 |
| Noninterest expense to average assets | 3.1100% | 829 |
| Loan and lease loss provision to assets | 0.5146% | 126 |
| Net operating income to assets | -0.4251% | 4,878 |
| Return on assets (ROA) | -0.4251% | 4,884 |
| Pretax return on assets | -0.6377% | 4,901 |
| Return on Equity (ROE) | -4.6285% | 4,901 |
| Retained earnings to average equity (ytd only) | -4.6285% | 4,681 |
| Net charge-offs to loans | 3.0003% | 19 |
| Credit loss provision to net charge-offs | 44.6602% | 1,334 |
| Earnings coverage of net charge-offs (x) | -0.1068% | 1,891 |
| Efficiency ratio | 104.1199% | 146 |
| Assets per employee ($millions) | 4.1071% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,710 |
| Loan loss allowance to noncurrent loans | 60.9610% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 955 |
| Noncurrent loans to loans | 2.4078% | 397 |
| Net loans and leases to total assets | 36.8656% | 4,465 |
| Net loans and leases to deposits | 41.7904% | 4,503 |
| Net loans and leases to core deposits | 42.1223% | 4,563 |
| Total domestic deposits to total assets | 88.2156% | 1,733 |
| Equity capital to assets | 8.7707% | 3,893 |
| Core capital (leverage) ratio | 8.9074% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,755,500 | 4,825 |
| Average earning assets | $33,806,000 | 4,801 |
| Average equity | $3,284,000 | 4,882 |
| Average total loans | $13,732,000 | 4,803 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 1,753 |
| Cost of funding earning assets | 0.4830% | 3,062 |
| Net interest margin | 3.8538% | 1,345 |
| Noninterest income to average assets | 0.5548% | 2,400 |
| Noninterest expense to average assets | 3.4675% | 729 |
| Loan and lease loss provision to assets | 0.4226% | 704 |
| Net operating income to assets | 0.2322% | 4,529 |
| Return on assets (ROA) | 0.2322% | 4,590 |
| Pretax return on assets | 0.2677% | 4,586 |
| Return on Equity (ROE) | 2.1751% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.0906% | 4,493 |
| Net charge-offs to loans | 0.7140% | 208 |
| Credit loss provision to net charge-offs | 131.0000% | 2,548 |
| Earnings coverage of net charge-offs (x) | 2.1400% | 3,194 |
| Efficiency ratio | 83.3980% | 674 |
| Assets per employee ($millions) | 3.1406% | 4,779 |
| Cash dividends to net income (ytd only)* | 95.8333% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 712 |
| Loan loss allowance to noncurrent loans | 57.7778% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 618 |
| Noncurrent loans to loans | 3.3006% | 237 |
| Net loans and leases to total assets | 38.7125% | 4,492 |
| Net loans and leases to deposits | 44.4467% | 4,518 |
| Net loans and leases to core deposits | 44.8280% | 4,577 |
| Total domestic deposits to total assets | 87.0987% | 1,892 |
| Equity capital to assets | 9.6275% | 3,477 |
| Core capital (leverage) ratio | 9.3498% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,002,200 | 4,864 |
| Average earning assets | $28,984,600 | 4,849 |
| Average equity | $3,310,200 | 4,896 |
| Average total loans | $14,005,400 | 4,822 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 1,653 |
| Cost of funding earning assets | 0.4923% | 3,274 |
| Net interest margin | 3.9759% | 1,170 |
| Noninterest income to average assets | 0.6862% | 1,839 |
| Noninterest expense to average assets | 3.5551% | 654 |
| Loan and lease loss provision to assets | 0.5811% | 448 |
| Net operating income to assets | 0.2435% | 4,531 |
| Return on assets (ROA) | 0.2435% | 4,570 |
| Pretax return on assets | 0.2701% | 4,580 |
| Return on Equity (ROE) | 2.2180% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.2180% | 3,855 |
| Net charge-offs to loans | 0.5863% | 245 |
| Credit loss provision to net charge-offs | 211.2903% | 2,066 |
| Earnings coverage of net charge-offs (x) | 3.0968% | 2,935 |
| Efficiency ratio | 80.7035% | 821 |
| Assets per employee ($millions) | 2.8435% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 429 |
| Loan loss allowance to noncurrent loans | 65.0655% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4643% | 594 |
| Noncurrent loans to loans | 3.2050% | 275 |
| Net loans and leases to total assets | 44.7343% | 4,387 |
| Net loans and leases to deposits | 52.2518% | 4,400 |
| Net loans and leases to core deposits | 52.7562% | 4,495 |
| Total domestic deposits to total assets | 85.6129% | 2,216 |
| Equity capital to assets | 10.7967% | 2,548 |
| Core capital (leverage) ratio | 10.7548% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,116,000 | 4,903 |
| Average earning assets | $28,168,750 | 4,889 |
| Average equity | $3,306,250 | 4,923 |
| Average total loans | $14,098,250 | 4,853 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 1,714 |
| Cost of funding earning assets | 0.5058% | 3,497 |
| Net interest margin | 4.0680% | 1,182 |
| Noninterest income to average assets | 0.8477% | 1,294 |
| Noninterest expense to average assets | 3.5858% | 670 |
| Loan and lease loss provision to assets | 0.8678% | 261 |
| Net operating income to assets | 0.1682% | 4,610 |
| Return on assets (ROA) | 0.1682% | 4,652 |
| Pretax return on assets | 0.1816% | 4,652 |
| Return on Equity (ROE) | 1.5232% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.5232% | 3,928 |
| Net charge-offs to loans | 0.8693% | 177 |
| Credit loss provision to net charge-offs | 211.4754% | 1,866 |
| Earnings coverage of net charge-offs (x) | 2.5574% | 2,761 |
| Efficiency ratio | 77.3585% | 1,118 |
| Assets per employee ($millions) | 2.7405% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0907% | 381 |
| Loan loss allowance to noncurrent loans | 61.4907% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 557 |
| Noncurrent loans to loans | 3.4000% | 244 |
| Net loans and leases to total assets | 46.1388% | 4,358 |
| Net loans and leases to deposits | 54.1501% | 4,374 |
| Net loans and leases to core deposits | 54.6931% | 4,473 |
| Total domestic deposits to total assets | 85.2053% | 2,305 |
| Equity capital to assets | 11.0960% | 2,255 |
| Core capital (leverage) ratio | 10.7603% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,728,667 | 4,933 |
| Average earning assets | $27,679,333 | 4,921 |
| Average equity | $3,282,667 | 4,954 |
| Average total loans | $14,034,333 | 4,885 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 1,625 |
| Cost of funding earning assets | 0.5286% | 3,802 |
| Net interest margin | 4.1991% | 925 |
| Noninterest income to average assets | 0.4065% | 3,051 |
| Noninterest expense to average assets | 3.6043% | 809 |
| Loan and lease loss provision to assets | 0.0949% | 2,499 |
| Net operating income to assets | 0.5556% | 3,722 |
| Return on assets (ROA) | 0.5556% | 3,784 |
| Pretax return on assets | 0.5827% | 3,946 |
| Return on Equity (ROE) | 5.0438% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.0438% | 2,259 |
| Net charge-offs to loans | 0.2294% | 619 |
| Credit loss provision to net charge-offs | 87.5000% | 1,903 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 1,997 |
| Efficiency ratio | 84.1772% | 817 |
| Assets per employee ($millions) | 2.6902% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 977 |
| Loan loss allowance to noncurrent loans | 69.0909% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 1,161 |
| Noncurrent loans to loans | 2.3744% | 520 |
| Net loans and leases to total assets | 46.1949% | 4,415 |
| Net loans and leases to deposits | 54.1601% | 4,438 |
| Net loans and leases to core deposits | 54.7128% | 4,542 |
| Total domestic deposits to total assets | 85.2933% | 2,292 |
| Equity capital to assets | 11.0773% | 2,798 |
| Core capital (leverage) ratio | 10.7803% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,520,000 | 4,974 |
| Average earning assets | $27,244,000 | 4,965 |
| Average equity | $3,251,500 | 5,005 |
| Average total loans | $13,948,500 | 4,927 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 3,688 |
| Cost of funding earning assets | 0.4828% | 4,162 |
| Net interest margin | 3.7645% | 2,628 |
| Noninterest income to average assets | 0.1788% | 4,597 |
| Noninterest expense to average assets | 3.2109% | 1,498 |
| Loan and lease loss provision to assets | 0.1148% | 1,840 |
| Net operating income to assets | 0.3331% | 4,707 |
| Return on assets (ROA) | 0.3310% | 4,737 |
| Pretax return on assets | 0.4297% | 4,664 |
| Return on Equity (ROE) | 3.7816% | 4,518 |
| Retained earnings to average equity (ytd only) | -0.2440% | 4,737 |
| Net charge-offs to loans | 0.2137% | 958 |
| Credit loss provision to net charge-offs | 138.7097% | 1,856 |
| Earnings coverage of net charge-offs (x) | 6.6129% | 2,962 |
| Efficiency ratio | 85.4403% | 569 |
| Assets per employee ($millions) | 2.4540% | 5,009 |
| Cash dividends to net income (ytd only)* | 106.4516% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 906 |
| Loan loss allowance to noncurrent loans | 79.2388% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 1,276 |
| Noncurrent loans to loans | 2.0644% | 613 |
| Net loans and leases to total assets | 46.7604% | 4,490 |
| Net loans and leases to deposits | 54.7776% | 4,506 |
| Net loans and leases to core deposits | 55.3368% | 4,613 |
| Total domestic deposits to total assets | 85.3640% | 2,363 |
| Equity capital to assets | 10.9515% | 3,054 |
| Core capital (leverage) ratio | 10.4708% | 2,981 |
| Tier 1 risk-based capital ratio | 20.7939% | 1,206 |
| Total risk-based capital ratio | 22.0474% | 1,171 |
| Memoranda: | ||
| Average total assets | $37,465,600 | 4,932 |
| Average earning assets | $35,622,200 | 4,904 |
| Average equity | $3,279,000 | 5,053 |
| Average total loans | $14,508,200 | 4,973 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 4,076 |
| Cost of funding earning assets | 0.4823% | 4,212 |
| Net interest margin | 3.6524% | 3,084 |
| Noninterest income to average assets | 0.3040% | 3,921 |
| Noninterest expense to average assets | 2.8206% | 2,512 |
| Loan and lease loss provision to assets | 0.1013% | 1,895 |
| Net operating income to assets | 0.7664% | 3,786 |
| Return on assets (ROA) | 0.7634% | 3,866 |
| Pretax return on assets | 0.8580% | 3,981 |
| Return on Equity (ROE) | 9.1520% | 2,827 |
| Retained earnings to average equity (ytd only) | 9.1520% | 1,006 |
| Net charge-offs to loans | 0.2916% | 603 |
| Credit loss provision to net charge-offs | 93.7500% | 2,357 |
| Earnings coverage of net charge-offs (x) | 8.9053% | 2,612 |
| Efficiency ratio | 74.5536% | 1,488 |
| Assets per employee ($millions) | 2.7736% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,314 |
| Loan loss allowance to noncurrent loans | 71.9064% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 845 |
| Noncurrent loans to loans | 2.0548% | 649 |
| Net loans and leases to total assets | 46.9879% | 4,553 |
| Net loans and leases to deposits | 55.0707% | 4,592 |
| Net loans and leases to core deposits | 55.6133% | 4,701 |
| Total domestic deposits to total assets | 85.3228% | 2,287 |
| Equity capital to assets | 11.3405% | 2,803 |
| Core capital (leverage) ratio | 9.8244% | 3,824 |
| Tier 1 risk-based capital ratio | 22.0609% | 1,063 |
| Total risk-based capital ratio | 23.3127% | 1,034 |
| Memoranda: | ||
| Average total assets | $39,470,000 | 4,971 |
| Average earning assets | $37,599,500 | 4,943 |
| Average equity | $3,292,500 | 5,130 |
| Average total loans | $14,635,500 | 5,050 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 4,520 |
| Cost of funding earning assets | 0.4785% | 4,210 |
| Net interest margin | 3.4479% | 3,744 |
| Noninterest income to average assets | 0.2685% | 4,141 |
| Noninterest expense to average assets | 2.6521% | 3,052 |
| Loan and lease loss provision to assets | 0.1036% | 1,810 |
| Net operating income to assets | 0.7113% | 3,973 |
| Return on assets (ROA) | 0.7113% | 4,028 |
| Pretax return on assets | 0.8055% | 4,078 |
| Return on Equity (ROE) | 9.3306% | 2,712 |
| Retained earnings to average equity (ytd only) | 9.3306% | 949 |
| Net charge-offs to loans | 0.1909% | 866 |
| Credit loss provision to net charge-offs | 157.1429% | 1,439 |
| Earnings coverage of net charge-offs (x) | 13.7857% | 2,076 |
| Efficiency ratio | 74.4709% | 1,584 |
| Assets per employee ($millions) | 3.6089% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,168 |
| Loan loss allowance to noncurrent loans | 72.3473% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 1,247 |
| Noncurrent loans to loans | 2.1240% | 645 |
| Net loans and leases to total assets | 36.3167% | 4,962 |
| Net loans and leases to deposits | 40.8414% | 5,036 |
| Net loans and leases to core deposits | 41.1362% | 5,058 |
| Total domestic deposits to total assets | 88.9214% | 691 |
| Equity capital to assets | 8.5244% | 5,031 |
| Core capital (leverage) ratio | 8.3089% | 5,056 |
| Tier 1 risk-based capital ratio | 20.4039% | 1,272 |
| Total risk-based capital ratio | 21.6487% | 1,243 |
| Memoranda: | ||
| Average total assets | $42,456,670 | 4,975 |
| Average earning assets | $40,547,000 | 4,949 |
| Average equity | $3,236,670 | 5,176 |
| Average total loans | $14,663,670 | 5,094 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 4,700 |
| Cost of funding earning assets | 0.4961% | 4,077 |
| Net interest margin | 3.3105% | 4,140 |
| Noninterest income to average assets | 0.1825% | 4,662 |
| Noninterest expense to average assets | 2.6462% | 3,064 |
| Loan and lease loss provision to assets | 0.1369% | 1,265 |
| Net operating income to assets | 0.5384% | 4,412 |
| Return on assets (ROA) | 0.5384% | 4,439 |
| Pretax return on assets | 0.5657% | 4,577 |
| Return on Equity (ROE) | 7.4613% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.4613% | 1,860 |
| Net charge-offs to loans | 0.2181% | 646 |
| Credit loss provision to net charge-offs | 187.5000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 9.6250% | 2,010 |
| Efficiency ratio | 79.0191% | 1,155 |
| Assets per employee ($millions) | 3.7959% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,114 |
| Loan loss allowance to noncurrent loans | 72.0257% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 1,335 |
| Noncurrent loans to loans | 2.1868% | 649 |
| Net loans and leases to total assets | 33.5241% | 5,083 |
| Net loans and leases to deposits | 37.2723% | 5,126 |
| Net loans and leases to core deposits | 37.5251% | 5,154 |
| Total domestic deposits to total assets | 89.9437% | 466 |
| Equity capital to assets | 7.7021% | 5,237 |
| Core capital (leverage) ratio | 7.5477% | 5,282 |
| Tier 1 risk-based capital ratio | 20.4271% | 1,258 |
| Total risk-based capital ratio | 21.6834% | 1,236 |
| Memoranda: | ||
| Average total assets | $43,836,000 | 5,005 |
| Average earning assets | $41,927,500 | 4,974 |
| Average equity | $3,163,000 | 5,234 |
| Average total loans | $14,674,500 | 5,154 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,709 |
| Cost of funding earning assets | 0.3990% | 3,993 |
| Net interest margin | 3.2714% | 4,334 |
| Noninterest income to average assets | 0.2603% | 4,372 |
| Noninterest expense to average assets | 2.5170% | 3,564 |
| Loan and lease loss provision to assets | 0.3530% | 431 |
| Net operating income to assets | 0.4831% | 4,694 |
| Return on assets (ROA) | 0.4831% | 4,695 |
| Pretax return on assets | 0.4831% | 4,824 |
| Return on Equity (ROE) | 6.9968% | 3,821 |
| Retained earnings to average equity (ytd only) | 1.7252% | 4,456 |
| Net charge-offs to loans | 1.0439% | 139 |
| Credit loss provision to net charge-offs | 96.9697% | 2,608 |
| Earnings coverage of net charge-offs (x) | 2.2970% | 3,537 |
| Efficiency ratio | 75.0658% | 1,485 |
| Assets per employee ($millions) | 4.1743% | 3,645 |
| Cash dividends to net income (ytd only)* | 75.3425% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,509 |
| Loan loss allowance to noncurrent loans | 73.5593% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 1,519 |
| Noncurrent loans to loans | 1.9502% | 698 |
| Net loans and leases to total assets | 32.4716% | 5,160 |
| Net loans and leases to deposits | 35.6375% | 5,205 |
| Net loans and leases to core deposits | 35.8543% | 5,218 |
| Total domestic deposits to total assets | 91.1166% | 178 |
| Equity capital to assets | 6.7731% | 5,347 |
| Core capital (leverage) ratio | 7.1610% | 5,350 |
| Tier 1 risk-based capital ratio | 18.6344% | 1,589 |
| Total risk-based capital ratio | 19.8891% | 1,545 |
| Memoranda: | ||
| Average total assets | $45,331,200 | 5,025 |
| Average earning assets | $42,856,800 | 4,998 |
| Average equity | $3,130,000 | 5,272 |
| Average total loans | $15,805,400 | 5,172 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,739 |
| Cost of funding earning assets | 0.3948% | 3,900 |
| Net interest margin | 3.2428% | 4,423 |
| Noninterest income to average assets | 0.3216% | 3,999 |
| Noninterest expense to average assets | 2.3813% | 3,896 |
| Loan and lease loss provision to assets | 0.2272% | 719 |
| Net operating income to assets | 0.7731% | 3,998 |
| Return on assets (ROA) | 0.7731% | 4,006 |
| Pretax return on assets | 0.7672% | 4,379 |
| Return on Equity (ROE) | 11.1426% | 2,122 |
| Retained earnings to average equity (ytd only) | 11.1426% | 616 |
| Net charge-offs to loans | 0.1669% | 992 |
| Credit loss provision to net charge-offs | 385.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 16.8474% | 2,138 |
| Efficiency ratio | 70.5420% | 2,112 |
| Assets per employee ($millions) | 4.2018% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 767 |
| Loan loss allowance to noncurrent loans | 82.5444% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 1,104 |
| Noncurrent loans to loans | 2.1459% | 667 |
| Net loans and leases to total assets | 33.4747% | 5,211 |
| Net loans and leases to deposits | 36.8477% | 5,257 |
| Net loans and leases to core deposits | 37.0702% | 5,282 |
| Total domestic deposits to total assets | 90.8460% | 257 |
| Equity capital to assets | 7.0749% | 5,379 |
| Core capital (leverage) ratio | 7.3241% | 5,411 |
| Tier 1 risk-based capital ratio | 19.3041% | 1,475 |
| Total risk-based capital ratio | 20.5585% | 1,441 |
| Memoranda: | ||
| Average total assets | $45,184,750 | 5,089 |
| Average earning assets | $42,555,500 | 5,061 |
| Average equity | $3,135,000 | 5,340 |
| Average total loans | $15,975,000 | 5,236 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 4,744 |
| Cost of funding earning assets | 0.3657% | 3,972 |
| Net interest margin | 3.2487% | 4,385 |
| Noninterest income to average assets | 0.3167% | 4,058 |
| Noninterest expense to average assets | 2.4086% | 3,874 |
| Loan and lease loss provision to assets | 0.3033% | 461 |
| Net operating income to assets | 0.6780% | 4,256 |
| Return on assets (ROA) | 0.6780% | 4,263 |
| Pretax return on assets | 0.6557% | 4,625 |
| Return on Equity (ROE) | 9.8382% | 2,639 |
| Retained earnings to average equity (ytd only) | 9.8382% | 970 |
| Net charge-offs to loans | 0.1495% | 1,028 |
| Credit loss provision to net charge-offs | 566.6667% | 655 |
| Earnings coverage of net charge-offs (x) | 17.9167% | 1,932 |
| Efficiency ratio | 71.5232% | 2,083 |
| Assets per employee ($millions) | 4.2437% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 860 |
| Loan loss allowance to noncurrent loans | 64.0553% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 934 |
| Noncurrent loans to loans | 2.6958% | 451 |
| Net loans and leases to total assets | 33.8917% | 5,241 |
| Net loans and leases to deposits | 37.1638% | 5,302 |
| Net loans and leases to core deposits | 37.3851% | 5,330 |
| Total domestic deposits to total assets | 91.1956% | 205 |
| Equity capital to assets | 6.7715% | 5,468 |
| Core capital (leverage) ratio | 7.0126% | 5,484 |
| Tier 1 risk-based capital ratio | 18.4504% | 1,683 |
| Total risk-based capital ratio | 19.7062% | 1,647 |
| Memoranda: | ||
| Average total assets | $44,839,670 | 5,156 |
| Average earning assets | $42,108,670 | 5,128 |
| Average equity | $3,090,000 | 5,405 |
| Average total loans | $16,049,670 | 5,293 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 4,900 |
| Cost of funding earning assets | 0.2698% | 4,578 |
| Net interest margin | 3.2182% | 4,406 |
| Noninterest income to average assets | 0.2823% | 4,285 |
| Noninterest expense to average assets | 2.4864% | 3,689 |
| Loan and lease loss provision to assets | 0.3643% | 327 |
| Net operating income to assets | 0.4463% | 4,823 |
| Return on assets (ROA) | 0.4463% | 4,823 |
| Pretax return on assets | 0.4736% | 4,914 |
| Return on Equity (ROE) | 6.4168% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.4168% | 2,543 |
| Net charge-offs to loans | 0.2496% | 616 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 1,979 |
| Efficiency ratio | 74.7945% | 1,780 |
| Assets per employee ($millions) | 4.3422% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,136 |
| Loan loss allowance to noncurrent loans | 62.3762% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 1,091 |
| Noncurrent loans to loans | 2.5813% | 516 |
| Net loans and leases to total assets | 32.2398% | 5,319 |
| Net loans and leases to deposits | 35.1784% | 5,376 |
| Net loans and leases to core deposits | 35.3821% | 5,403 |
| Total domestic deposits to total assets | 91.6464% | 160 |
| Equity capital to assets | 6.3981% | 5,548 |
| Core capital (leverage) ratio | 7.8202% | 5,438 |
| Tier 1 risk-based capital ratio | 18.3980% | 1,720 |
| Total risk-based capital ratio | 19.6503% | 1,686 |
| Memoranda: | ||
| Average total assets | $43,919,000 | 5,223 |
| Average earning assets | $41,514,500 | 5,200 |
| Average equity | $3,054,500 | 5,466 |
| Average total loans | $16,025,000 | 5,353 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 2,430 |
| Cost of funding earning assets | 0.3108% | 4,033 |
| Net interest margin | 3.9583% | 1,887 |
| Noninterest income to average assets | 0.3508% | 3,956 |
| Noninterest expense to average assets | 3.3983% | 1,198 |
| Loan and lease loss provision to assets | 0.2914% | 596 |
| Net operating income to assets | 0.3954% | 4,711 |
| Return on assets (ROA) | 0.3954% | 4,723 |
| Pretax return on assets | 0.4103% | 5,076 |
| Return on Equity (ROE) | 4.1961% | 4,444 |
| Retained earnings to average equity (ytd only) | -0.2208% | 5,068 |
| Net charge-offs to loans | 0.6149% | 373 |
| Credit loss provision to net charge-offs | 98.9899% | 2,625 |
| Earnings coverage of net charge-offs (x) | 2.3838% | 3,751 |
| Efficiency ratio | 82.8861% | 862 |
| Assets per employee ($millions) | 3.6431% | 4,515 |
| Cash dividends to net income (ytd only)* | 105.2632% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,954 |
| Loan loss allowance to noncurrent loans | 52.9833% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 775 |
| Noncurrent loans to loans | 2.5550% | 514 |
| Net loans and leases to total assets | 40.3678% | 5,124 |
| Net loans and leases to deposits | 44.8166% | 5,226 |
| Net loans and leases to core deposits | 45.1304% | 5,264 |
| Total domestic deposits to total assets | 90.0734% | 545 |
| Equity capital to assets | 7.6184% | 5,515 |
| Core capital (leverage) ratio | 7.9080% | 5,476 |
| Tier 1 risk-based capital ratio | 17.7978% | 1,859 |
| Total risk-based capital ratio | 19.0452% | 1,807 |
| Memoranda: | ||
| Average total assets | $33,634,400 | 5,435 |
| Average earning assets | $31,857,200 | 5,409 |
| Average equity | $3,169,600 | 5,512 |
| Average total loans | $16,100,400 | 5,417 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 2,100 |
| Cost of funding earning assets | 0.3213% | 3,924 |
| Net interest margin | 4.0315% | 1,600 |
| Noninterest income to average assets | 0.3997% | 3,691 |
| Noninterest expense to average assets | 3.4181% | 1,126 |
| Loan and lease loss provision to assets | 0.2415% | 733 |
| Net operating income to assets | 0.6078% | 4,358 |
| Return on assets (ROA) | 0.6078% | 4,400 |
| Pretax return on assets | 0.5537% | 4,921 |
| Return on Equity (ROE) | 6.0855% | 4,087 |
| Retained earnings to average equity (ytd only) | 6.0855% | 2,180 |
| Net charge-offs to loans | 0.6822% | 282 |
| Credit loss provision to net charge-offs | 70.7317% | 2,694 |
| Earnings coverage of net charge-offs (x) | 2.3293% | 3,477 |
| Efficiency ratio | 81.1265% | 986 |
| Assets per employee ($millions) | 3.5469% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,812 |
| Loan loss allowance to noncurrent loans | 43.2609% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8223% | 754 |
| Noncurrent loans to loans | 2.8190% | 481 |
| Net loans and leases to total assets | 41.3138% | 5,144 |
| Net loans and leases to deposits | 46.2870% | 5,247 |
| Net loans and leases to core deposits | 46.6231% | 5,296 |
| Total domestic deposits to total assets | 89.2557% | 760 |
| Equity capital to assets | 8.3991% | 5,343 |
| Core capital (leverage) ratio | 9.5364% | 4,116 |
| Tier 1 risk-based capital ratio | 18.7107% | 1,674 |
| Total risk-based capital ratio | 19.8470% | 1,654 |
| Memoranda: | ||
| Average total assets | $32,024,500 | 5,524 |
| Average earning assets | $30,293,750 | 5,494 |
| Average equity | $3,198,750 | 5,575 |
| Average total loans | $16,025,750 | 5,481 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 1,255 |
| Cost of funding earning assets | 0.3426% | 3,658 |
| Net interest margin | 4.2540% | 967 |
| Noninterest income to average assets | 0.3570% | 4,005 |
| Noninterest expense to average assets | 3.4822% | 1,037 |
| Loan and lease loss provision to assets | 0.2357% | 726 |
| Net operating income to assets | 0.7611% | 3,586 |
| Return on assets (ROA) | 0.7611% | 3,636 |
| Pretax return on assets | 0.6533% | 4,675 |
| Return on Equity (ROE) | 7.1233% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.1233% | 1,532 |
| Net charge-offs to loans | 0.2888% | 704 |
| Credit loss provision to net charge-offs | 152.1739% | 1,505 |
| Earnings coverage of net charge-offs (x) | 5.7391% | 2,789 |
| Efficiency ratio | 79.6610% | 1,254 |
| Assets per employee ($millions) | 2.7169% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,676 |
| Loan loss allowance to noncurrent loans | 46.3511% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.5497% | 416 |
| Noncurrent loans to loans | 3.1765% | 390 |
| Net loans and leases to total assets | 52.6200% | 4,516 |
| Net loans and leases to deposits | 61.1312% | 4,556 |
| Net loans and leases to core deposits | 61.7335% | 4,728 |
| Total domestic deposits to total assets | 86.0771% | 2,350 |
| Equity capital to assets | 10.8981% | 2,927 |
| Core capital (leverage) ratio | 10.7829% | 2,620 |
| Tier 1 risk-based capital ratio | 18.6099% | 1,689 |
| Total risk-based capital ratio | 19.8543% | 1,654 |
| Memoranda: | ||
| Average total assets | $29,694,000 | 5,601 |
| Average earning assets | $28,020,670 | 5,576 |
| Average equity | $3,172,670 | 5,622 |
| Average total loans | $15,928,330 | 5,530 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,188 |
| Cost of funding earning assets | 0.3423% | 3,608 |
| Net interest margin | 4.2361% | 915 |
| Noninterest income to average assets | 0.2433% | 4,785 |
| Noninterest expense to average assets | 3.4327% | 1,140 |
| Loan and lease loss provision to assets | 0.2027% | 810 |
| Net operating income to assets | 0.5676% | 4,295 |
| Return on assets (ROA) | 0.5676% | 4,339 |
| Pretax return on assets | 0.6217% | 4,680 |
| Return on Equity (ROE) | 5.3666% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.3666% | 2,694 |
| Net charge-offs to loans | 0.4525% | 406 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 3.3889% | 2,490 |
| Efficiency ratio | 80.6349% | 1,301 |
| Assets per employee ($millions) | 2.7515% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,159 |
| Loan loss allowance to noncurrent loans | 43.9122% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.6553% | 923 |
| Noncurrent loans to loans | 3.1452% | 416 |
| Net loans and leases to total assets | 51.9014% | 4,525 |
| Net loans and leases to deposits | 59.9237% | 4,568 |
| Net loans and leases to core deposits | 60.5030% | 4,750 |
| Total domestic deposits to total assets | 86.6125% | 2,394 |
| Equity capital to assets | 10.4503% | 3,234 |
| Core capital (leverage) ratio | 10.4933% | 2,911 |
| Tier 1 risk-based capital ratio | 18.6552% | 1,708 |
| Total risk-based capital ratio | 19.9071% | 1,657 |
| Memoranda: | ||
| Average total assets | $29,598,000 | 5,669 |
| Average earning assets | $28,044,500 | 5,637 |
| Average equity | $3,130,500 | 5,688 |
| Average total loans | $15,912,000 | 5,593 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 841 |
| Cost of funding earning assets | 0.3577% | 3,436 |
| Net interest margin | 4.4691% | 663 |
| Noninterest income to average assets | 0.5542% | 2,892 |
| Noninterest expense to average assets | 3.8446% | 737 |
| Loan and lease loss provision to assets | 0.1220% | 2,022 |
| Net operating income to assets | 0.7250% | 3,668 |
| Return on assets (ROA) | 0.7250% | 3,781 |
| Pretax return on assets | 0.7250% | 4,409 |
| Return on Equity (ROE) | 6.4798% | 3,746 |
| Retained earnings to average equity (ytd only) | 1.3396% | 4,740 |
| Net charge-offs to loans | 0.3112% | 885 |
| Credit loss provision to net charge-offs | 72.9167% | 3,086 |
| Earnings coverage of net charge-offs (x) | 5.0625% | 3,395 |
| Efficiency ratio | 81.9465% | 1,205 |
| Assets per employee ($millions) | 2.6299% | 5,598 |
| Cash dividends to net income (ytd only)* | 79.3269% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,063 |
| Loan loss allowance to noncurrent loans | 40.1802% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9185% | 738 |
| Noncurrent loans to loans | 3.4917% | 345 |
| Net loans and leases to total assets | 54.1740% | 4,432 |
| Net loans and leases to deposits | 62.7885% | 4,485 |
| Net loans and leases to core deposits | 62.7885% | 4,708 |
| Total domestic deposits to total assets | 86.2802% | 2,469 |
| Equity capital to assets | 10.7090% | 2,916 |
| Core capital (leverage) ratio | 10.5764% | 2,801 |
| Tier 1 risk-based capital ratio | 18.1334% | 1,820 |
| Total risk-based capital ratio | 19.3840% | 1,781 |
| Memoranda: | ||
| Average total assets | $28,689,400 | 5,729 |
| Average earning assets | $26,560,000 | 5,716 |
| Average equity | $3,210,000 | 5,736 |
| Average total loans | $15,423,600 | 5,654 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 881 |
| Cost of funding earning assets | 0.3493% | 3,548 |
| Net interest margin | 4.4595% | 690 |
| Noninterest income to average assets | 0.6520% | 2,410 |
| Noninterest expense to average assets | 3.5347% | 1,088 |
| Loan and lease loss provision to assets | 0.0932% | 2,360 |
| Net operating income to assets | 0.9733% | 2,555 |
| Return on assets (ROA) | 0.9733% | 2,685 |
| Pretax return on assets | 1.1270% | 3,128 |
| Return on Equity (ROE) | 8.6059% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.6059% | 937 |
| Net charge-offs to loans | 0.1568% | 1,439 |
| Credit loss provision to net charge-offs | 111.1111% | 2,213 |
| Earnings coverage of net charge-offs (x) | 14.5550% | 2,237 |
| Efficiency ratio | 74.3389% | 2,216 |
| Assets per employee ($millions) | 2.6420% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,776 |
| Loan loss allowance to noncurrent loans | 39.2739% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0852% | 736 |
| Noncurrent loans to loans | 3.8087% | 310 |
| Net loans and leases to total assets | 53.9295% | 4,493 |
| Net loans and leases to deposits | 63.1441% | 4,548 |
| Net loans and leases to core deposits | 63.1441% | 4,766 |
| Total domestic deposits to total assets | 85.4071% | 2,640 |
| Equity capital to assets | 11.5408% | 2,479 |
| Core capital (leverage) ratio | 11.3924% | 2,117 |
| Tier 1 risk-based capital ratio | 19.3499% | 1,587 |
| Total risk-based capital ratio | 20.5996% | 1,545 |
| Memoranda: | ||
| Average total assets | $28,629,500 | 5,791 |
| Average earning assets | $26,340,250 | 5,780 |
| Average equity | $3,238,000 | 5,796 |
| Average total loans | $15,305,750 | 5,716 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 822 |
| Cost of funding earning assets | 0.3519% | 3,543 |
| Net interest margin | 4.4826% | 638 |
| Noninterest income to average assets | 0.7021% | 2,136 |
| Noninterest expense to average assets | 3.5176% | 1,136 |
| Loan and lease loss provision to assets | 0.0702% | 2,731 |
| Net operating income to assets | 1.0602% | 2,123 |
| Return on assets (ROA) | 1.0602% | 2,248 |
| Pretax return on assets | 1.2287% | 2,674 |
| Return on Equity (ROE) | 9.4395% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.4395% | 735 |
| Net charge-offs to loans | 0.0794% | 2,060 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 30.8333% | 1,374 |
| Efficiency ratio | 73.0321% | 2,514 |
| Assets per employee ($millions) | 2.6225% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,767 |
| Loan loss allowance to noncurrent loans | 48.9796% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.6986% | 1,058 |
| Noncurrent loans to loans | 3.1186% | 460 |
| Net loans and leases to total assets | 53.6328% | 4,544 |
| Net loans and leases to deposits | 62.7693% | 4,589 |
| Net loans and leases to core deposits | 62.7693% | 4,832 |
| Total domestic deposits to total assets | 85.4444% | 2,667 |
| Equity capital to assets | 11.4566% | 2,592 |
| Core capital (leverage) ratio | 11.2574% | 2,190 |
| Tier 1 risk-based capital ratio | 19.1864% | 1,654 |
| Total risk-based capital ratio | 20.4358% | 1,617 |
| Memoranda: | ||
| Average total assets | $28,485,330 | 5,870 |
| Average earning assets | $26,145,670 | 5,856 |
| Average equity | $3,199,330 | 5,868 |
| Average total loans | $15,104,000 | 5,788 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 815 |
| Cost of funding earning assets | 0.3409% | 3,705 |
| Net interest margin | 4.4781% | 634 |
| Noninterest income to average assets | 0.6218% | 2,405 |
| Noninterest expense to average assets | 3.6744% | 928 |
| Loan and lease loss provision to assets | 0.0283% | 3,282 |
| Net operating income to assets | 0.8621% | 2,937 |
| Return on assets (ROA) | 0.8621% | 3,047 |
| Pretax return on assets | 1.0034% | 3,469 |
| Return on Equity (ROE) | 7.7546% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.7546% | 1,563 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0781% | 1,882 |
| Assets per employee ($millions) | 2.5636% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,696 |
| Loan loss allowance to noncurrent loans | 50.3171% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.9823% | 881 |
| Noncurrent loans to loans | 3.1327% | 500 |
| Net loans and leases to total assets | 52.6986% | 4,559 |
| Net loans and leases to deposits | 61.5388% | 4,615 |
| Net loans and leases to core deposits | 61.5388% | 4,836 |
| Total domestic deposits to total assets | 85.6348% | 2,842 |
| Equity capital to assets | 11.3227% | 2,603 |
| Core capital (leverage) ratio | 10.9098% | 2,488 |
| Tier 1 risk-based capital ratio | 19.3027% | 1,658 |
| Total risk-based capital ratio | 20.5527% | 1,621 |
| Memoranda: | ||
| Average total assets | $28,304,000 | 5,935 |
| Average earning assets | $25,814,500 | 5,919 |
| Average equity | $3,146,500 | 5,928 |
| Average total loans | $14,800,000 | 5,854 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,424 |
| Cost of funding earning assets | 0.3359% | 3,836 |
| Net interest margin | 4.2287% | 1,107 |
| Noninterest income to average assets | 0.4765% | 3,486 |
| Noninterest expense to average assets | 3.6703% | 1,017 |
| Loan and lease loss provision to assets | 0.1208% | 1,986 |
| Net operating income to assets | 0.5939% | 4,301 |
| Return on assets (ROA) | 0.5939% | 4,403 |
| Pretax return on assets | 0.5973% | 4,843 |
| Return on Equity (ROE) | 5.5174% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.0265% | 5,107 |
| Net charge-offs to loans | -0.0347% | 5,452 |
| Credit loss provision to net charge-offs | -700.0000% | 5,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6349% | 1,215 |
| Assets per employee ($millions) | 2.5825% | 5,851 |
| Cash dividends to net income (ytd only)* | 81.3953% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,534 |
| Loan loss allowance to noncurrent loans | 45.4721% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.3691% | 673 |
| Noncurrent loans to loans | 3.5791% | 377 |
| Net loans and leases to total assets | 50.2147% | 4,849 |
| Net loans and leases to deposits | 58.2768% | 4,898 |
| Net loans and leases to core deposits | 58.2768% | 5,090 |
| Total domestic deposits to total assets | 86.1659% | 2,561 |
| Equity capital to assets | 10.9124% | 2,916 |
| Core capital (leverage) ratio | 10.6813% | 2,729 |
| Tier 1 risk-based capital ratio | 19.7697% | 1,526 |
| Total risk-based capital ratio | 21.0237% | 1,501 |
| Memoranda: | ||
| Average total assets | $28,962,000 | 5,975 |
| Average earning assets | $26,793,000 | 5,954 |
| Average equity | $3,117,400 | 5,986 |
| Average total loans | $14,399,000 | 5,911 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 1,604 |
| Cost of funding earning assets | 0.3352% | 3,917 |
| Net interest margin | 4.1604% | 1,254 |
| Noninterest income to average assets | 0.5086% | 3,308 |
| Noninterest expense to average assets | 3.3263% | 1,634 |
| Loan and lease loss provision to assets | 0.1604% | 1,340 |
| Net operating income to assets | 0.7056% | 3,876 |
| Return on assets (ROA) | 0.7056% | 3,988 |
| Pretax return on assets | 0.8889% | 4,017 |
| Return on Equity (ROE) | 6.5774% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.5774% | 1,902 |
| Net charge-offs to loans | -0.0464% | 5,520 |
| Credit loss provision to net charge-offs | -700.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0209% | 2,247 |
| Assets per employee ($millions) | 2.6206% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,938 |
| Loan loss allowance to noncurrent loans | 57.2816% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.9634% | 1,050 |
| Noncurrent loans to loans | 2.7223% | 700 |
| Net loans and leases to total assets | 51.6807% | 4,782 |
| Net loans and leases to deposits | 60.1648% | 4,845 |
| Net loans and leases to core deposits | 60.1648% | 5,055 |
| Total domestic deposits to total assets | 85.8986% | 2,586 |
| Equity capital to assets | 11.1840% | 2,811 |
| Core capital (leverage) ratio | 11.5950% | 1,963 |
| Tier 1 risk-based capital ratio | 19.6454% | 1,638 |
| Total risk-based capital ratio | 20.8884% | 1,605 |
| Memoranda: | ||
| Average total assets | $29,100,500 | 6,053 |
| Average earning assets | $27,048,000 | 6,030 |
| Average equity | $3,121,750 | 6,070 |
| Average total loans | $14,373,500 | 5,988 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 1,929 |
| Cost of funding earning assets | 0.3321% | 4,025 |
| Net interest margin | 4.0445% | 1,511 |
| Noninterest income to average assets | 0.4453% | 3,737 |
| Noninterest expense to average assets | 3.3571% | 1,561 |
| Loan and lease loss provision to assets | 0.1918% | 1,040 |
| Net operating income to assets | 0.4727% | 4,878 |
| Return on assets (ROA) | 0.4727% | 4,974 |
| Pretax return on assets | 0.6509% | 4,822 |
| Return on Equity (ROE) | 4.4694% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.4694% | 3,169 |
| Net charge-offs to loans | 0.1133% | 1,872 |
| Credit loss provision to net charge-offs | 350.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,979 |
| Efficiency ratio | 79.9347% | 1,773 |
| Assets per employee ($millions) | 2.5671% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 2,308 |
| Loan loss allowance to noncurrent loans | 42.0233% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.1248% | 1,007 |
| Noncurrent loans to loans | 3.5625% | 486 |
| Net loans and leases to total assets | 50.3293% | 4,902 |
| Net loans and leases to deposits | 58.4567% | 4,958 |
| Net loans and leases to core deposits | 58.4567% | 5,169 |
| Total domestic deposits to total assets | 86.0967% | 2,647 |
| Equity capital to assets | 11.0348% | 2,854 |
| Core capital (leverage) ratio | 10.9276% | 2,499 |
| Tier 1 risk-based capital ratio | 19.8446% | 1,587 |
| Total risk-based capital ratio | 21.0992% | 1,542 |
| Memoranda: | ||
| Average total assets | $29,191,670 | 6,122 |
| Average earning assets | $27,098,330 | 6,097 |
| Average equity | $3,087,670 | 6,138 |
| Average total loans | $14,120,000 | 6,060 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,183 |
| Cost of funding earning assets | 0.3355% | 4,031 |
| Net interest margin | 3.9389% | 1,751 |
| Noninterest income to average assets | 0.3101% | 4,710 |
| Noninterest expense to average assets | 3.2492% | 1,845 |
| Loan and lease loss provision to assets | 0.2022% | 912 |
| Net operating income to assets | 0.3236% | 5,329 |
| Return on assets (ROA) | 0.3236% | 5,438 |
| Pretax return on assets | 0.4988% | 5,183 |
| Return on Equity (ROE) | 3.1235% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.1235% | 4,111 |
| Net charge-offs to loans | 0.0859% | 1,860 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,527 |
| Efficiency ratio | 82.2526% | 1,586 |
| Assets per employee ($millions) | 2.6865% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 2,509 |
| Loan loss allowance to noncurrent loans | 37.0107% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 2.1928% | 1,048 |
| Noncurrent loans to loans | 4.0117% | 439 |
| Net loans and leases to total assets | 46.7023% | 5,142 |
| Net loans and leases to deposits | 53.8597% | 5,202 |
| Net loans and leases to core deposits | 53.8597% | 5,376 |
| Total domestic deposits to total assets | 86.7111% | 2,547 |
| Equity capital to assets | 10.5005% | 3,534 |
| Core capital (leverage) ratio | 10.3736% | 3,129 |
| Tier 1 risk-based capital ratio | 17.9520% | 2,149 |
| Total risk-based capital ratio | 19.1636% | 2,126 |
| Memoranda: | ||
| Average total assets | $29,668,500 | 6,177 |
| Average earning assets | $27,418,500 | 6,154 |
| Average equity | $3,073,500 | 6,200 |
| Average total loans | $13,966,000 | 6,116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 1,782 |
| Cost of funding earning assets | 0.3357% | 4,424 |
| Net interest margin | 4.1873% | 1,339 |
| Noninterest income to average assets | 0.5139% | 3,395 |
| Noninterest expense to average assets | 3.7814% | 1,016 |
| Loan and lease loss provision to assets | 0.3681% | 505 |
| Net operating income to assets | 0.6320% | 4,226 |
| Return on assets (ROA) | 0.6459% | 4,261 |
| Pretax return on assets | 0.3195% | 5,663 |
| Return on Equity (ROE) | 6.1955% | 4,059 |
| Retained earnings to average equity (ytd only) | 1.5322% | 5,061 |
| Net charge-offs to loans | 0.8198% | 423 |
| Credit loss provision to net charge-offs | 89.0756% | 2,662 |
| Earnings coverage of net charge-offs (x) | 1.6303% | 4,375 |
| Efficiency ratio | 84.8792% | 1,304 |
| Assets per employee ($millions) | 2.7078% | 6,017 |
| Cash dividends to net income (ytd only)* | 75.2688% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,913 |
| Loan loss allowance to noncurrent loans | 32.7212% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.2997% | 1,038 |
| Noncurrent loans to loans | 4.3022% | 400 |
| Net loans and leases to total assets | 46.0854% | 5,318 |
| Net loans and leases to deposits | 52.8877% | 5,419 |
| Net loans and leases to core deposits | 52.8877% | 5,575 |
| Total domestic deposits to total assets | 87.1383% | 2,201 |
| Equity capital to assets | 10.2196% | 3,833 |
| Core capital (leverage) ratio | 10.3587% | 3,105 |
| Tier 1 risk-based capital ratio | 17.9418% | 2,157 |
| Total risk-based capital ratio | 19.0918% | 2,155 |
| Memoranda: | ||
| Average total assets | $28,798,600 | 6,270 |
| Average earning assets | $27,105,800 | 6,240 |
| Average equity | $3,002,200 | 6,272 |
| Average total loans | $14,516,400 | 6,172 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 1,593 |
| Cost of funding earning assets | 0.3409% | 4,448 |
| Net interest margin | 4.2492% | 1,158 |
| Noninterest income to average assets | 0.5791% | 3,002 |
| Noninterest expense to average assets | 3.5770% | 1,334 |
| Loan and lease loss provision to assets | 0.3409% | 525 |
| Net operating income to assets | 0.5817% | 4,529 |
| Return on assets (ROA) | 0.5977% | 4,541 |
| Pretax return on assets | 0.6958% | 4,715 |
| Return on Equity (ROE) | 5.7044% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.7044% | 2,601 |
| Net charge-offs to loans | 1.0001% | 302 |
| Credit loss provision to net charge-offs | 66.3636% | 2,830 |
| Earnings coverage of net charge-offs (x) | 1.9819% | 4,023 |
| Efficiency ratio | 77.8455% | 2,204 |
| Assets per employee ($millions) | 2.6396% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 4,367 |
| Loan loss allowance to noncurrent loans | 30.3887% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 1.9493% | 1,492 |
| Noncurrent loans to loans | 3.8611% | 572 |
| Net loans and leases to total assets | 49.8932% | 5,024 |
| Net loans and leases to deposits | 57.5795% | 5,133 |
| Net loans and leases to core deposits | 57.5795% | 5,358 |
| Total domestic deposits to total assets | 86.6511% | 2,499 |
| Equity capital to assets | 10.7281% | 3,259 |
| Core capital (leverage) ratio | 11.2051% | 2,304 |
| Tier 1 risk-based capital ratio | 18.0969% | 2,186 |
| Total risk-based capital ratio | 19.0882% | 2,225 |
| Memoranda: | ||
| Average total assets | $28,551,750 | 6,351 |
| Average earning assets | $26,985,000 | 6,317 |
| Average equity | $2,991,750 | 6,346 |
| Average total loans | $14,664,750 | 6,239 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 1,680 |
| Cost of funding earning assets | 0.3331% | 4,608 |
| Net interest margin | 4.2122% | 1,212 |
| Noninterest income to average assets | 0.5706% | 2,989 |
| Noninterest expense to average assets | 3.6350% | 1,233 |
| Loan and lease loss provision to assets | 0.4227% | 393 |
| Net operating income to assets | 0.3734% | 5,317 |
| Return on assets (ROA) | 0.3734% | 5,385 |
| Pretax return on assets | 0.5213% | 5,218 |
| Return on Equity (ROE) | 3.5924% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.5924% | 3,903 |
| Net charge-offs to loans | 0.7364% | 518 |
| Credit loss provision to net charge-offs | 111.1111% | 1,803 |
| Earnings coverage of net charge-offs (x) | 2.4815% | 3,538 |
| Efficiency ratio | 79.3846% | 2,110 |
| Assets per employee ($millions) | 2.5224% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 3,103 |
| Loan loss allowance to noncurrent loans | 34.1270% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 1,327 |
| Noncurrent loans to loans | 4.2542% | 538 |
| Net loans and leases to total assets | 52.5986% | 4,686 |
| Net loans and leases to deposits | 61.8495% | 4,708 |
| Net loans and leases to core deposits | 61.8495% | 4,978 |
| Total domestic deposits to total assets | 85.0429% | 3,483 |
| Equity capital to assets | 10.8556% | 3,024 |
| Core capital (leverage) ratio | 10.9031% | 2,523 |
| Tier 1 risk-based capital ratio | 17.4388% | 2,445 |
| Total risk-based capital ratio | 18.6625% | 2,419 |
| Memoranda: | ||
| Average total assets | $28,390,330 | 6,417 |
| Average earning assets | $27,016,670 | 6,375 |
| Average equity | $2,950,670 | 6,408 |
| Average total loans | $14,666,670 | 6,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,908 |
| Cost of funding earning assets | 0.3223% | 4,831 |
| Net interest margin | 4.1463% | 1,351 |
| Noninterest income to average assets | 0.3761% | 4,379 |
| Noninterest expense to average assets | 3.6918% | 1,145 |
| Loan and lease loss provision to assets | 0.0975% | 2,295 |
| Net operating income to assets | 0.3343% | 5,377 |
| Return on assets (ROA) | 0.3343% | 5,427 |
| Pretax return on assets | 0.5294% | 5,081 |
| Return on Equity (ROE) | 3.2877% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.2877% | 4,147 |
| Net charge-offs to loans | 0.0548% | 2,614 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,251 |
| Efficiency ratio | 85.4839% | 1,499 |
| Assets per employee ($millions) | 2.5692% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 3,237 |
| Loan loss allowance to noncurrent loans | 33.0247% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 1,431 |
| Noncurrent loans to loans | 4.4801% | 542 |
| Net loans and leases to total assets | 50.4228% | 4,861 |
| Net loans and leases to deposits | 58.0117% | 4,942 |
| Net loans and leases to core deposits | 59.0331% | 5,122 |
| Total domestic deposits to total assets | 86.9184% | 2,862 |
| Equity capital to assets | 10.4809% | 3,261 |
| Core capital (leverage) ratio | 10.4260% | 3,018 |
| Tier 1 risk-based capital ratio | 17.6402% | 2,436 |
| Total risk-based capital ratio | 18.8840% | 2,402 |
| Memoranda: | ||
| Average total assets | $28,712,500 | 6,475 |
| Average earning assets | $27,301,500 | 6,431 |
| Average equity | $2,920,000 | 6,465 |
| Average total loans | $14,595,500 | 6,360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 2,331 |
| Cost of funding earning assets | 0.3291% | 5,335 |
| Net interest margin | 4.1392% | 1,541 |
| Noninterest income to average assets | 0.2960% | 5,234 |
| Noninterest expense to average assets | 3.4972% | 1,657 |
| Loan and lease loss provision to assets | 0.1136% | 2,919 |
| Net operating income to assets | 0.4199% | 5,080 |
| Return on assets (ROA) | 0.4199% | 5,189 |
| Pretax return on assets | 0.5817% | 4,927 |
| Return on Equity (ROE) | 4.1003% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.2435% | 5,270 |
| Net charge-offs to loans | 0.4422% | 1,502 |
| Credit loss provision to net charge-offs | 50.7692% | 3,795 |
| Earnings coverage of net charge-offs (x) | 3.1077% | 3,954 |
| Efficiency ratio | 83.4154% | 1,697 |
| Assets per employee ($millions) | 2.6513% | 6,273 |
| Cash dividends to net income (ytd only)* | 69.6721% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 3,552 |
| Loan loss allowance to noncurrent loans | 30.2023% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3728% | 1,460 |
| Noncurrent loans to loans | 4.6989% | 554 |
| Net loans and leases to total assets | 49.7806% | 5,106 |
| Net loans and leases to deposits | 56.7353% | 5,233 |
| Net loans and leases to core deposits | 57.6912% | 5,416 |
| Total domestic deposits to total assets | 87.7417% | 2,340 |
| Equity capital to assets | 9.8683% | 3,941 |
| Core capital (leverage) ratio | 10.3790% | 3,048 |
| Tier 1 risk-based capital ratio | 17.2746% | 2,501 |
| Total risk-based capital ratio | 18.4733% | 2,493 |
| Memoranda: | ||
| Average total assets | $29,051,600 | 6,543 |
| Average earning assets | $27,348,000 | 6,501 |
| Average equity | $2,975,400 | 6,535 |
| Average total loans | $14,698,800 | 6,432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 2,314 |
| Cost of funding earning assets | 0.3336% | 5,442 |
| Net interest margin | 4.1454% | 1,496 |
| Noninterest income to average assets | 0.2848% | 5,410 |
| Noninterest expense to average assets | 3.2571% | 2,186 |
| Loan and lease loss provision to assets | 0.1516% | 2,375 |
| Net operating income to assets | 0.5421% | 4,612 |
| Return on assets (ROA) | 0.5421% | 4,755 |
| Pretax return on assets | 0.7580% | 4,465 |
| Return on Equity (ROE) | 5.2448% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.2448% | 2,903 |
| Net charge-offs to loans | 0.5354% | 1,193 |
| Credit loss provision to net charge-offs | 55.9322% | 3,380 |
| Earnings coverage of net charge-offs (x) | 3.3561% | 3,730 |
| Efficiency ratio | 78.1698% | 2,395 |
| Assets per employee ($millions) | 2.9107% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 3,669 |
| Loan loss allowance to noncurrent loans | 33.7520% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 1,825 |
| Noncurrent loans to loans | 4.3075% | 783 |
| Net loans and leases to total assets | 50.0670% | 5,125 |
| Net loans and leases to deposits | 57.2141% | 5,263 |
| Net loans and leases to core deposits | 58.1826% | 5,436 |
| Total domestic deposits to total assets | 87.5082% | 2,413 |
| Equity capital to assets | 10.1934% | 3,654 |
| Core capital (leverage) ratio | 11.0358% | 2,446 |
| Tier 1 risk-based capital ratio | 17.7402% | 2,425 |
| Total risk-based capital ratio | 18.9733% | 2,394 |
| Memoranda: | ||
| Average total assets | $29,023,500 | 6,617 |
| Average earning assets | $27,178,250 | 6,576 |
| Average equity | $2,999,750 | 6,605 |
| Average total loans | $14,691,750 | 6,494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,447 |
| Cost of funding earning assets | 0.3281% | 5,583 |
| Net interest margin | 4.1047% | 1,526 |
| Noninterest income to average assets | 0.3518% | 4,874 |
| Noninterest expense to average assets | 3.3798% | 1,870 |
| Loan and lease loss provision to assets | 0.2069% | 1,825 |
| Net operating income to assets | 0.4277% | 5,119 |
| Return on assets (ROA) | 0.4277% | 5,274 |
| Pretax return on assets | 0.6484% | 4,845 |
| Return on Equity (ROE) | 4.1187% | 5,169 |
| Retained earnings to average equity (ytd only) | 4.1187% | 3,669 |
| Net charge-offs to loans | 0.7504% | 861 |
| Credit loss provision to net charge-offs | 54.5455% | 3,129 |
| Earnings coverage of net charge-offs (x) | 2.2545% | 3,772 |
| Efficiency ratio | 79.8046% | 2,187 |
| Assets per employee ($millions) | 2.4965% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 3,706 |
| Loan loss allowance to noncurrent loans | 34.6709% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 1,911 |
| Noncurrent loans to loans | 4.2508% | 870 |
| Net loans and leases to total assets | 52.5817% | 4,789 |
| Net loans and leases to deposits | 61.3242% | 4,821 |
| Net loans and leases to core deposits | 62.4459% | 5,057 |
| Total domestic deposits to total assets | 85.7439% | 3,507 |
| Equity capital to assets | 10.6984% | 3,058 |
| Core capital (leverage) ratio | 10.3532% | 3,039 |
| Tier 1 risk-based capital ratio | 17.7571% | 2,406 |
| Total risk-based capital ratio | 19.0084% | 2,376 |
| Memoranda: | ||
| Average total assets | $28,995,670 | 6,670 |
| Average earning assets | $27,431,670 | 6,623 |
| Average equity | $3,010,670 | 6,648 |
| Average total loans | $14,659,670 | 6,535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,998 |
| Cost of funding earning assets | 0.3268% | 5,748 |
| Net interest margin | 3.9502% | 1,945 |
| Noninterest income to average assets | 0.2957% | 5,340 |
| Noninterest expense to average assets | 3.3062% | 2,072 |
| Loan and lease loss provision to assets | 0.2016% | 1,844 |
| Net operating income to assets | 0.3360% | 5,413 |
| Return on assets (ROA) | 0.3360% | 5,551 |
| Pretax return on assets | 0.5241% | 5,192 |
| Return on Equity (ROE) | 3.2819% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.2819% | 4,282 |
| Net charge-offs to loans | 1.1186% | 536 |
| Credit loss provision to net charge-offs | 36.5854% | 2,793 |
| Earnings coverage of net charge-offs (x) | 1.3171% | 3,393 |
| Efficiency ratio | 82.0000% | 2,038 |
| Assets per employee ($millions) | 2.6951% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 3,881 |
| Loan loss allowance to noncurrent loans | 31.2955% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.4219% | 1,915 |
| Noncurrent loans to loans | 4.7540% | 836 |
| Net loans and leases to total assets | 48.0200% | 5,226 |
| Net loans and leases to deposits | 54.8636% | 5,365 |
| Net loans and leases to core deposits | 55.7728% | 5,542 |
| Total domestic deposits to total assets | 87.5261% | 2,615 |
| Equity capital to assets | 10.2881% | 3,811 |
| Core capital (leverage) ratio | 9.9698% | 3,424 |
| Tier 1 risk-based capital ratio | 17.7567% | 2,464 |
| Total risk-based capital ratio | 19.0115% | 2,425 |
| Memoranda: | ||
| Average total assets | $29,762,500 | 6,715 |
| Average earning assets | $28,150,500 | 6,671 |
| Average equity | $3,047,000 | 6,711 |
| Average total loans | $14,661,500 | 6,600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 2,231 |
| Cost of funding earning assets | 0.3776% | 6,065 |
| Net interest margin | 4.4139% | 1,135 |
| Noninterest income to average assets | 0.5505% | 3,576 |
| Noninterest expense to average assets | 3.4897% | 1,834 |
| Loan and lease loss provision to assets | 0.3981% | 1,632 |
| Net operating income to assets | 0.3739% | 5,208 |
| Return on assets (ROA) | 0.3739% | 5,435 |
| Pretax return on assets | 0.7097% | 4,638 |
| Return on Equity (ROE) | 3.4890% | 5,354 |
| Retained earnings to average equity (ytd only) | 0.7430% | 5,490 |
| Net charge-offs to loans | 1.1117% | 945 |
| Credit loss provision to net charge-offs | 67.6471% | 4,230 |
| Earnings coverage of net charge-offs (x) | 1.8824% | 4,485 |
| Efficiency ratio | 75.9036% | 2,761 |
| Assets per employee ($millions) | 2.4899% | 6,621 |
| Cash dividends to net income (ytd only)* | 78.7037% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,247 |
| Loan loss allowance to noncurrent loans | 32.4324% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 2.5904% | 1,874 |
| Noncurrent loans to loans | 4.9758% | 808 |
| Net loans and leases to total assets | 48.9708% | 5,310 |
| Net loans and leases to deposits | 55.8345% | 5,462 |
| Net loans and leases to core deposits | 56.7484% | 5,653 |
| Total domestic deposits to total assets | 87.7071% | 2,410 |
| Equity capital to assets | 10.1878% | 3,905 |
| Core capital (leverage) ratio | 9.9645% | 3,445 |
| Tier 1 risk-based capital ratio | 18.0456% | 2,245 |
| Total risk-based capital ratio | 19.2952% | 2,219 |
| Memoranda: | ||
| Average total assets | $28,884,800 | 6,778 |
| Average earning assets | $26,484,400 | 6,756 |
| Average equity | $3,095,400 | 6,767 |
| Average total loans | $15,292,200 | 6,640 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,811 |
| Cost of funding earning assets | 0.3904% | 6,171 |
| Net interest margin | 4.5662% | 872 |
| Noninterest income to average assets | 0.6193% | 3,158 |
| Noninterest expense to average assets | 3.3384% | 2,165 |
| Loan and lease loss provision to assets | 0.4656% | 1,330 |
| Net operating income to assets | 0.6286% | 4,249 |
| Return on assets (ROA) | 0.6286% | 4,504 |
| Pretax return on assets | 0.9545% | 3,898 |
| Return on Equity (ROE) | 5.7910% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.7910% | 2,841 |
| Net charge-offs to loans | 1.3422% | 688 |
| Credit loss provision to net charge-offs | 64.5161% | 4,038 |
| Earnings coverage of net charge-offs (x) | 1.9678% | 4,280 |
| Efficiency ratio | 70.1566% | 3,660 |
| Assets per employee ($millions) | 2.8904% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,652 |
| Loan loss allowance to noncurrent loans | 35.2423% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 2.4737% | 2,139 |
| Noncurrent loans to loans | 4.4527% | 1,067 |
| Net loans and leases to total assets | 52.0828% | 5,034 |
| Net loans and leases to deposits | 59.9642% | 5,210 |
| Net loans and leases to core deposits | 60.9893% | 5,456 |
| Total domestic deposits to total assets | 86.8565% | 2,766 |
| Equity capital to assets | 11.0054% | 3,274 |
| Core capital (leverage) ratio | 11.0522% | 2,330 |
| Tier 1 risk-based capital ratio | 18.2901% | 2,235 |
| Total risk-based capital ratio | 19.5402% | 2,210 |
| Memoranda: | ||
| Average total assets | $28,636,250 | 6,871 |
| Average earning assets | $25,958,000 | 6,850 |
| Average equity | $3,108,250 | 6,846 |
| Average total loans | $15,397,250 | 6,723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 1,794 |
| Cost of funding earning assets | 0.3922% | 6,315 |
| Net interest margin | 4.6065% | 818 |
| Noninterest income to average assets | 0.4694% | 4,139 |
| Noninterest expense to average assets | 3.2508% | 2,437 |
| Loan and lease loss provision to assets | 0.2802% | 2,341 |
| Net operating income to assets | 0.7496% | 3,604 |
| Return on assets (ROA) | 0.7496% | 3,881 |
| Pretax return on assets | 1.1350% | 3,167 |
| Return on Equity (ROE) | 6.9390% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.9390% | 2,136 |
| Net charge-offs to loans | 0.9202% | 1,199 |
| Credit loss provision to net charge-offs | 56.3380% | 3,893 |
| Earnings coverage of net charge-offs (x) | 2.8451% | 3,606 |
| Efficiency ratio | 69.6697% | 3,819 |
| Assets per employee ($millions) | 2.7269% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 3,161 |
| Loan loss allowance to noncurrent loans | 40.1826% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 2.5340% | 2,209 |
| Noncurrent loans to loans | 4.2685% | 1,268 |
| Net loans and leases to total assets | 55.4769% | 4,548 |
| Net loans and leases to deposits | 64.5117% | 4,693 |
| Net loans and leases to core deposits | 65.6911% | 5,036 |
| Total domestic deposits to total assets | 85.9951% | 3,353 |
| Equity capital to assets | 11.5772% | 2,515 |
| Core capital (leverage) ratio | 10.8452% | 2,439 |
| Tier 1 risk-based capital ratio | 18.1177% | 2,260 |
| Total risk-based capital ratio | 19.3734% | 2,226 |
| Memoranda: | ||
| Average total assets | $28,547,000 | 6,928 |
| Average earning assets | $26,007,000 | 6,902 |
| Average equity | $3,084,000 | 6,889 |
| Average total loans | $15,431,670 | 6,773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 1,419 |
| Cost of funding earning assets | 0.3919% | 6,447 |
| Net interest margin | 4.7625% | 612 |
| Noninterest income to average assets | 0.3975% | 4,693 |
| Noninterest expense to average assets | 3.2755% | 2,371 |
| Loan and lease loss provision to assets | 0.2056% | 2,896 |
| Net operating income to assets | 0.8223% | 3,284 |
| Return on assets (ROA) | 0.8223% | 3,515 |
| Pretax return on assets | 1.2472% | 2,738 |
| Return on Equity (ROE) | 7.8753% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.8753% | 2,031 |
| Net charge-offs to loans | 0.0777% | 3,721 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 826 |
| Efficiency ratio | 69.2754% | 3,937 |
| Assets per employee ($millions) | 2.9092% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,333 |
| Loan loss allowance to noncurrent loans | 41.9399% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.6674% | 2,213 |
| Noncurrent loans to loans | 4.7837% | 1,189 |
| Net loans and leases to total assets | 51.5434% | 5,078 |
| Net loans and leases to deposits | 59.0959% | 5,269 |
| Net loans and leases to core deposits | 60.0930% | 5,520 |
| Total domestic deposits to total assets | 87.2199% | 2,816 |
| Equity capital to assets | 10.6696% | 3,301 |
| Core capital (leverage) ratio | 10.3788% | 2,898 |
| Tier 1 risk-based capital ratio | 17.8377% | 2,347 |
| Total risk-based capital ratio | 19.0995% | 2,323 |
| Memoranda: | ||
| Average total assets | $29,186,000 | 6,968 |
| Average earning assets | $26,540,500 | 6,944 |
| Average equity | $3,047,500 | 6,951 |
| Average total loans | $15,451,500 | 6,824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 2,373 |
| Cost of funding earning assets | 0.5425% | 6,378 |
| Net interest margin | 4.5775% | 965 |
| Noninterest income to average assets | 0.4687% | 4,068 |
| Noninterest expense to average assets | 3.1903% | 2,903 |
| Loan and lease loss provision to assets | 0.4017% | 2,588 |
| Net operating income to assets | 0.6595% | 3,696 |
| Return on assets (ROA) | 0.6595% | 3,881 |
| Pretax return on assets | 1.0009% | 3,242 |
| Return on Equity (ROE) | 6.6067% | 3,587 |
| Retained earnings to average equity (ytd only) | 1.9116% | 4,845 |
| Net charge-offs to loans | 0.2616% | 4,137 |
| Credit loss provision to net charge-offs | 292.6829% | 810 |
| Earnings coverage of net charge-offs (x) | 10.2195% | 1,871 |
| Efficiency ratio | 69.4606% | 4,061 |
| Assets per employee ($millions) | 2.9280% | 6,232 |
| Cash dividends to net income (ytd only)* | 71.0660% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,598 |
| Loan loss allowance to noncurrent loans | 41.9630% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.5512% | 2,378 |
| Noncurrent loans to loans | 4.5061% | 1,325 |
| Net loans and leases to total assets | 52.2746% | 5,268 |
| Net loans and leases to deposits | 59.6725% | 5,530 |
| Net loans and leases to core deposits | 60.6659% | 5,789 |
| Total domestic deposits to total assets | 87.6025% | 2,405 |
| Equity capital to assets | 10.2152% | 3,888 |
| Core capital (leverage) ratio | 9.6608% | 3,794 |
| Tier 1 risk-based capital ratio | 16.7538% | 2,718 |
| Total risk-based capital ratio | 18.0081% | 2,677 |
| Memoranda: | ||
| Average total assets | $29,872,200 | 6,975 |
| Average earning assets | $26,914,000 | 6,962 |
| Average equity | $2,981,800 | 7,013 |
| Average total loans | $15,672,000 | 6,871 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 2,976 |
| Cost of funding earning assets | 0.5763% | 6,397 |
| Net interest margin | 4.4477% | 1,283 |
| Noninterest income to average assets | 0.5019% | 3,859 |
| Noninterest expense to average assets | 2.9801% | 3,630 |
| Loan and lease loss provision to assets | 0.3997% | 2,453 |
| Net operating income to assets | 0.7506% | 3,379 |
| Return on assets (ROA) | 0.7506% | 3,540 |
| Pretax return on assets | 1.1325% | 2,886 |
| Return on Equity (ROE) | 7.5627% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.5627% | 1,682 |
| Net charge-offs to loans | 0.2379% | 3,933 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 12.3223% | 1,719 |
| Efficiency ratio | 66.0433% | 4,711 |
| Assets per employee ($millions) | 2.9833% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 3,107 |
| Loan loss allowance to noncurrent loans | 51.8657% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9442% | 3,212 |
| Noncurrent loans to loans | 3.3721% | 2,046 |
| Net loans and leases to total assets | 52.3481% | 5,403 |
| Net loans and leases to deposits | 59.8513% | 5,649 |
| Net loans and leases to core deposits | 61.4383% | 5,862 |
| Total domestic deposits to total assets | 87.4635% | 2,372 |
| Equity capital to assets | 10.4415% | 3,780 |
| Core capital (leverage) ratio | 10.0469% | 3,373 |
| Tier 1 risk-based capital ratio | 16.7692% | 2,732 |
| Total risk-based capital ratio | 18.0002% | 2,715 |
| Memoranda: | ||
| Average total assets | $30,020,250 | 7,041 |
| Average earning assets | $27,069,500 | 7,025 |
| Average equity | $2,979,500 | 7,077 |
| Average total loans | $15,689,750 | 6,935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 3,089 |
| Cost of funding earning assets | 0.6332% | 6,304 |
| Net interest margin | 4.3808% | 1,435 |
| Noninterest income to average assets | 0.4454% | 4,313 |
| Noninterest expense to average assets | 2.8987% | 4,028 |
| Loan and lease loss provision to assets | 0.4986% | 1,970 |
| Net operating income to assets | 0.6648% | 3,715 |
| Return on assets (ROA) | 0.6648% | 3,840 |
| Pretax return on assets | 1.0039% | 3,220 |
| Return on Equity (ROE) | 6.8159% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.8159% | 1,961 |
| Net charge-offs to loans | 0.4097% | 2,914 |
| Credit loss provision to net charge-offs | 234.3750% | 1,284 |
| Earnings coverage of net charge-offs (x) | 7.0625% | 2,282 |
| Efficiency ratio | 65.8610% | 4,902 |
| Assets per employee ($millions) | 2.8717% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 3,582 |
| Loan loss allowance to noncurrent loans | 55.3419% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7829% | 3,534 |
| Noncurrent loans to loans | 2.9441% | 2,470 |
| Net loans and leases to total assets | 54.4521% | 5,227 |
| Net loans and leases to deposits | 62.2046% | 5,478 |
| Net loans and leases to core deposits | 66.7934% | 5,412 |
| Total domestic deposits to total assets | 87.5370% | 2,448 |
| Equity capital to assets | 10.5199% | 3,480 |
| Core capital (leverage) ratio | 9.9416% | 3,334 |
| Tier 1 risk-based capital ratio | 16.5611% | 2,712 |
| Total risk-based capital ratio | 17.8167% | 2,668 |
| Memoranda: | ||
| Average total assets | $30,082,670 | 7,103 |
| Average earning assets | $27,164,000 | 7,080 |
| Average equity | $2,934,330 | 7,144 |
| Average total loans | $15,621,330 | 7,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 3,950 |
| Cost of funding earning assets | 0.6785% | 6,256 |
| Net interest margin | 4.1434% | 2,105 |
| Noninterest income to average assets | 0.3640% | 5,000 |
| Noninterest expense to average assets | 2.8473% | 4,277 |
| Loan and lease loss provision to assets | 0.2600% | 3,057 |
| Net operating income to assets | 0.6501% | 3,750 |
| Return on assets (ROA) | 0.6501% | 3,826 |
| Pretax return on assets | 0.9881% | 3,168 |
| Return on Equity (ROE) | 6.9180% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.9180% | 2,180 |
| Net charge-offs to loans | -0.1550% | 7,207 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5238% | 4,370 |
| Assets per employee ($millions) | 3.3499% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 3,909 |
| Loan loss allowance to noncurrent loans | 46.0952% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 3,451 |
| Noncurrent loans to loans | 3.3878% | 2,214 |
| Net loans and leases to total assets | 50.5987% | 5,767 |
| Net loans and leases to deposits | 57.2163% | 6,001 |
| Net loans and leases to core deposits | 62.4412% | 5,883 |
| Total domestic deposits to total assets | 88.4341% | 2,117 |
| Equity capital to assets | 9.7781% | 4,062 |
| Core capital (leverage) ratio | 9.2704% | 4,172 |
| Tier 1 risk-based capital ratio | 16.4561% | 2,681 |
| Total risk-based capital ratio | 17.7083% | 2,659 |
| Memoranda: | ||
| Average total assets | $30,765,500 | 7,132 |
| Average earning assets | $27,706,500 | 7,111 |
| Average equity | $2,891,000 | 7,200 |
| Average total loans | $15,484,000 | 7,064 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 1,469 |
| Cost of funding earning assets | 0.9229% | 6,059 |
| Net interest margin | 4.8069% | 661 |
| Noninterest income to average assets | 0.5096% | 4,099 |
| Noninterest expense to average assets | 3.3597% | 2,559 |
| Loan and lease loss provision to assets | 0.2955% | 4,435 |
| Net operating income to assets | 0.7270% | 3,116 |
| Return on assets (ROA) | 0.7270% | 3,243 |
| Pretax return on assets | 1.1006% | 2,576 |
| Return on Equity (ROE) | 7.4244% | 2,925 |
| Retained earnings to average equity (ytd only) | 2.5673% | 4,069 |
| Net charge-offs to loans | 0.4169% | 3,954 |
| Credit loss provision to net charge-offs | 135.9375% | 2,840 |
| Earnings coverage of net charge-offs (x) | 6.4219% | 2,364 |
| Efficiency ratio | 70.6429% | 4,046 |
| Assets per employee ($millions) | 3.1382% | 5,798 |
| Cash dividends to net income (ytd only)* | 65.4206% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,529 |
| Loan loss allowance to noncurrent loans | 65.2568% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1950% | 4,627 |
| Noncurrent loans to loans | 2.1395% | 3,383 |
| Net loans and leases to total assets | 48.6107% | 6,321 |
| Net loans and leases to deposits | 54.5074% | 6,567 |
| Net loans and leases to core deposits | 59.3996% | 6,442 |
| Total domestic deposits to total assets | 89.1817% | 1,546 |
| Equity capital to assets | 9.0307% | 5,094 |
| Core capital (leverage) ratio | 8.8670% | 4,756 |
| Tier 1 risk-based capital ratio | 15.6536% | 2,926 |
| Total risk-based capital ratio | 16.8795% | 2,895 |
| Memoranda: | ||
| Average total assets | $29,437,200 | 7,225 |
| Average earning assets | $26,004,400 | 7,229 |
| Average equity | $2,882,400 | 7,305 |
| Average total loans | $15,352,400 | 7,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8445% | 1,270 |
| Cost of funding earning assets | 0.9654% | 6,104 |
| Net interest margin | 4.8791% | 574 |
| Noninterest income to average assets | 0.5342% | 3,914 |
| Noninterest expense to average assets | 3.2192% | 2,862 |
| Loan and lease loss provision to assets | 0.3086% | 4,112 |
| Net operating income to assets | 0.8658% | 2,762 |
| Return on assets (ROA) | 0.8658% | 2,890 |
| Pretax return on assets | 1.3125% | 2,130 |
| Return on Equity (ROE) | 8.6599% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.6599% | 1,174 |
| Net charge-offs to loans | 0.2524% | 4,433 |
| Credit loss provision to net charge-offs | 231.0345% | 1,483 |
| Earnings coverage of net charge-offs (x) | 12.1365% | 1,719 |
| Efficiency ratio | 66.5081% | 4,752 |
| Assets per employee ($millions) | 3.4151% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,240 |
| Loan loss allowance to noncurrent loans | 42.6199% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 3,604 |
| Noncurrent loans to loans | 3.3871% | 2,348 |
| Net loans and leases to total assets | 51.3112% | 6,184 |
| Net loans and leases to deposits | 58.0884% | 6,456 |
| Net loans and leases to core deposits | 63.9097% | 6,305 |
| Total domestic deposits to total assets | 88.3329% | 1,773 |
| Equity capital to assets | 9.8159% | 4,397 |
| Core capital (leverage) ratio | 9.9917% | 3,263 |
| Tier 1 risk-based capital ratio | 16.4039% | 2,597 |
| Total risk-based capital ratio | 17.6548% | 2,545 |
| Memoranda: | ||
| Average total assets | $28,951,000 | 7,335 |
| Average earning assets | $25,550,500 | 7,334 |
| Average equity | $2,894,500 | 7,397 |
| Average total loans | $15,322,750 | 7,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8425% | 1,316 |
| Cost of funding earning assets | 1.0057% | 6,105 |
| Net interest margin | 4.8368% | 616 |
| Noninterest income to average assets | 0.5078% | 4,046 |
| Noninterest expense to average assets | 3.2163% | 2,846 |
| Loan and lease loss provision to assets | 0.3668% | 3,510 |
| Net operating income to assets | 0.7900% | 3,012 |
| Return on assets (ROA) | 0.7900% | 3,162 |
| Pretax return on assets | 1.1990% | 2,420 |
| Return on Equity (ROE) | 7.8495% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.8495% | 1,493 |
| Net charge-offs to loans | 0.2915% | 3,871 |
| Credit loss provision to net charge-offs | 236.3636% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 1,937 |
| Efficiency ratio | 67.2566% | 4,715 |
| Assets per employee ($millions) | 3.1529% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,367 |
| Loan loss allowance to noncurrent loans | 48.3731% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.8678% | 3,667 |
| Noncurrent loans to loans | 2.9194% | 2,737 |
| Net loans and leases to total assets | 54.8633% | 5,863 |
| Net loans and leases to deposits | 62.3368% | 6,207 |
| Net loans and leases to core deposits | 66.8011% | 6,175 |
| Total domestic deposits to total assets | 88.0110% | 1,997 |
| Equity capital to assets | 10.2340% | 3,727 |
| Core capital (leverage) ratio | 9.9100% | 3,271 |
| Tier 1 risk-based capital ratio | 15.8782% | 2,728 |
| Total risk-based capital ratio | 17.1446% | 2,683 |
| Memoranda: | ||
| Average total assets | $28,356,000 | 7,404 |
| Average earning assets | $25,057,670 | 7,396 |
| Average equity | $2,853,670 | 7,460 |
| Average total loans | $15,096,330 | 7,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8060% | 1,436 |
| Cost of funding earning assets | 1.0615% | 6,081 |
| Net interest margin | 4.7445% | 713 |
| Noninterest income to average assets | 0.4092% | 4,828 |
| Noninterest expense to average assets | 3.2597% | 2,672 |
| Loan and lease loss provision to assets | 0.3387% | 3,356 |
| Net operating income to assets | 0.5645% | 4,059 |
| Return on assets (ROA) | 0.5645% | 4,205 |
| Pretax return on assets | 0.9737% | 3,195 |
| Return on Equity (ROE) | 5.6567% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.6567% | 2,780 |
| Net charge-offs to loans | 0.5153% | 2,520 |
| Credit loss provision to net charge-offs | 126.3158% | 2,786 |
| Earnings coverage of net charge-offs (x) | 4.8947% | 2,517 |
| Efficiency ratio | 71.2963% | 4,071 |
| Assets per employee ($millions) | 2.8364% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,795 |
| Loan loss allowance to noncurrent loans | 49.3766% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 4,175 |
| Noncurrent loans to loans | 2.6848% | 2,990 |
| Net loans and leases to total assets | 51.9602% | 6,277 |
| Net loans and leases to deposits | 58.8884% | 6,562 |
| Net loans and leases to core deposits | 58.8884% | 6,824 |
| Total domestic deposits to total assets | 88.2351% | 1,930 |
| Equity capital to assets | 10.0127% | 3,855 |
| Core capital (leverage) ratio | 9.5587% | 3,692 |
| Tier 1 risk-based capital ratio | 16.1545% | 2,582 |
| Total risk-based capital ratio | 17.3291% | 2,574 |
| Memoranda: | ||
| Average total assets | $28,346,000 | 7,500 |
| Average earning assets | $24,871,000 | 7,501 |
| Average equity | $2,828,500 | 7,546 |
| Average total loans | $14,749,000 | 7,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0834% | 1,565 |
| Cost of funding earning assets | 1.4989% | 5,520 |
| Net interest margin | 4.5845% | 1,013 |
| Noninterest income to average assets | 0.6488% | 3,302 |
| Noninterest expense to average assets | 3.3008% | 3,005 |
| Loan and lease loss provision to assets | 0.1660% | 6,028 |
| Net operating income to assets | 0.8639% | 2,299 |
| Return on assets (ROA) | 0.8639% | 2,367 |
| Pretax return on assets | 1.3128% | 1,662 |
| Return on Equity (ROE) | 8.1396% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.5189% | 2,711 |
| Net charge-offs to loans | 0.2105% | 5,308 |
| Credit loss provision to net charge-offs | 146.6667% | 3,223 |
| Earnings coverage of net charge-offs (x) | 13.0667% | 1,452 |
| Efficiency ratio | 69.0608% | 4,817 |
| Assets per employee ($millions) | 3.1476% | 5,867 |
| Cash dividends to net income (ytd only)* | 56.7686% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,619 |
| Loan loss allowance to noncurrent loans | 26.3302% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 2.7252% | 2,562 |
| Noncurrent loans to loans | 5.0336% | 1,342 |
| Net loans and leases to total assets | 50.7237% | 6,558 |
| Net loans and leases to deposits | 57.3704% | 6,821 |
| Net loans and leases to core deposits | 76.1191% | 6,393 |
| Total domestic deposits to total assets | 88.4143% | 1,766 |
| Equity capital to assets | 9.9442% | 3,844 |
| Core capital (leverage) ratio | 9.9703% | 3,120 |
| Tier 1 risk-based capital ratio | 16.2028% | 2,432 |
| Total risk-based capital ratio | 17.3679% | 2,402 |
| Memoranda: | ||
| Average total assets | $26,508,600 | 7,596 |
| Average earning assets | $23,884,600 | 7,586 |
| Average equity | $2,813,400 | 7,643 |
| Average total loans | $14,249,800 | 7,486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0977% | 1,662 |
| Cost of funding earning assets | 1.6162% | 5,327 |
| Net interest margin | 4.4815% | 1,239 |
| Noninterest income to average assets | 0.6960% | 3,042 |
| Noninterest expense to average assets | 3.1370% | 3,511 |
| Loan and lease loss provision to assets | 0.1535% | 5,819 |
| Net operating income to assets | 1.0081% | 2,026 |
| Return on assets (ROA) | 1.0081% | 2,088 |
| Pretax return on assets | 1.4636% | 1,508 |
| Return on Equity (ROE) | 9.3390% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.3390% | 755 |
| Net charge-offs to loans | 0.2823% | 4,267 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 10.5330% | 1,953 |
| Efficiency ratio | 65.9849% | 5,364 |
| Assets per employee ($millions) | 2.8679% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,075 |
| Loan loss allowance to noncurrent loans | 65.0909% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 4,637 |
| Noncurrent loans to loans | 1.8519% | 3,841 |
| Net loans and leases to total assets | 56.8401% | 6,049 |
| Net loans and leases to deposits | 65.4955% | 6,355 |
| Net loans and leases to core deposits | 87.9187% | 5,650 |
| Total domestic deposits to total assets | 86.7847% | 2,290 |
| Equity capital to assets | 11.3595% | 2,704 |
| Core capital (leverage) ratio | 10.7259% | 2,622 |
| Tier 1 risk-based capital ratio | 17.2540% | 2,202 |
| Total risk-based capital ratio | 18.3646% | 2,189 |
| Memoranda: | ||
| Average total assets | $26,053,750 | 7,677 |
| Average earning assets | $23,593,000 | 7,670 |
| Average equity | $2,812,500 | 7,714 |
| Average total loans | $14,171,750 | 7,561 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0982% | 1,798 |
| Cost of funding earning assets | 1.6953% | 5,290 |
| Net interest margin | 4.4028% | 1,405 |
| Noninterest income to average assets | 0.6275% | 3,482 |
| Noninterest expense to average assets | 3.1682% | 3,434 |
| Loan and lease loss provision to assets | 0.1148% | 5,996 |
| Net operating income to assets | 0.8877% | 2,503 |
| Return on assets (ROA) | 0.8877% | 2,613 |
| Pretax return on assets | 1.3392% | 1,907 |
| Return on Equity (ROE) | 8.3674% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.3674% | 1,100 |
| Net charge-offs to loans | 0.3872% | 3,263 |
| Credit loss provision to net charge-offs | 55.5556% | 5,669 |
| Earnings coverage of net charge-offs (x) | 7.0370% | 2,503 |
| Efficiency ratio | 68.5430% | 5,057 |
| Assets per employee ($millions) | 2.9056% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 5,172 |
| Loan loss allowance to noncurrent loans | 48.5465% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 4,044 |
| Noncurrent loans to loans | 2.3975% | 3,013 |
| Net loans and leases to total assets | 54.2294% | 6,416 |
| Net loans and leases to deposits | 62.1674% | 6,722 |
| Net loans and leases to core deposits | 84.5113% | 6,048 |
| Total domestic deposits to total assets | 87.2314% | 2,137 |
| Equity capital to assets | 10.8413% | 3,069 |
| Core capital (leverage) ratio | 10.4278% | 2,876 |
| Tier 1 risk-based capital ratio | 17.1459% | 2,256 |
| Total risk-based capital ratio | 18.2061% | 2,270 |
| Memoranda: | ||
| Average total assets | $26,134,670 | 7,750 |
| Average earning assets | $23,712,000 | 7,731 |
| Average equity | $2,772,670 | 7,797 |
| Average total loans | $13,945,670 | 7,647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2619% | 1,406 |
| Cost of funding earning assets | 1.7385% | 5,433 |
| Net interest margin | 4.5234% | 1,079 |
| Noninterest income to average assets | 0.5205% | 4,126 |
| Noninterest expense to average assets | 3.2457% | 2,810 |
| Loan and lease loss provision to assets | 0.1225% | 5,396 |
| Net operating income to assets | 0.8267% | 3,018 |
| Return on assets (ROA) | 0.8267% | 3,170 |
| Pretax return on assets | 1.2554% | 2,433 |
| Return on Equity (ROE) | 7.8789% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.8789% | 1,865 |
| Net charge-offs to loans | 0.3492% | 2,687 |
| Credit loss provision to net charge-offs | 66.6667% | 4,404 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,335 |
| Efficiency ratio | 70.1987% | 4,531 |
| Assets per employee ($millions) | 2.9154% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,255 |
| Loan loss allowance to noncurrent loans | 49.2958% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 3,681 |
| Noncurrent loans to loans | 2.5828% | 2,554 |
| Net loans and leases to total assets | 51.7169% | 6,712 |
| Net loans and leases to deposits | 59.0026% | 6,976 |
| Net loans and leases to core deposits | 77.5916% | 6,563 |
| Total domestic deposits to total assets | 87.6520% | 1,904 |
| Equity capital to assets | 10.5835% | 3,382 |
| Core capital (leverage) ratio | 10.1527% | 3,240 |
| Tier 1 risk-based capital ratio | 17.2191% | 2,260 |
| Total risk-based capital ratio | 18.3610% | 2,244 |
| Memoranda: | ||
| Average total assets | $26,127,000 | 7,794 |
| Average earning assets | $23,699,000 | 7,782 |
| Average equity | $2,741,500 | 7,861 |
| Average total loans | $13,744,500 | 7,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9885% | 1,166 |
| Cost of funding earning assets | 2.4064% | 4,698 |
| Net interest margin | 4.5821% | 1,228 |
| Noninterest income to average assets | 0.6274% | 3,654 |
| Noninterest expense to average assets | 3.3823% | 2,724 |
| Loan and lease loss provision to assets | 0.1207% | 5,814 |
| Net operating income to assets | 0.7641% | 3,598 |
| Return on assets (ROA) | 0.7641% | 3,440 |
| Pretax return on assets | 1.3593% | 2,097 |
| Return on Equity (ROE) | 7.1311% | 3,459 |
| Retained earnings to average equity (ytd only) | 2.2519% | 3,809 |
| Net charge-offs to loans | 0.2623% | 3,663 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 2,553 |
| Efficiency ratio | 69.5616% | 4,431 |
| Assets per employee ($millions) | 2.8906% | 6,336 |
| Cash dividends to net income (ytd only)* | 68.4211% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 3,765 |
| Loan loss allowance to noncurrent loans | 51.8841% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4761% | 3,267 |
| Noncurrent loans to loans | 2.5102% | 2,169 |
| Net loans and leases to total assets | 52.1430% | 6,834 |
| Net loans and leases to deposits | 59.2669% | 7,137 |
| Net loans and leases to core deposits | 78.4558% | 6,725 |
| Total domestic deposits to total assets | 87.9800% | 1,479 |
| Equity capital to assets | 10.4017% | 3,606 |
| Core capital (leverage) ratio | 10.0023% | 3,445 |
| Tier 1 risk-based capital ratio | 16.8921% | 2,344 |
| Total risk-based capital ratio | 18.0618% | 2,317 |
| Memoranda: | ||
| Average total assets | $24,865,000 | 7,843 |
| Average earning assets | $22,980,600 | 7,824 |
| Average equity | $2,664,400 | 7,937 |
| Average total loans | $13,727,000 | 7,720 |