Home > Security Federal Savings Bank > Performance and Condition Ratios
Security Federal Savings Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3531% | 4,562 |
| Cost of funding earning assets | 0.3829% | 1,659 |
| Net interest margin | 1.9702% | 4,614 |
| Noninterest income to average assets | 0.6782% | 1,842 |
| Noninterest expense to average assets | 4.0694% | 273 |
| Loan and lease loss provision to assets | -0.0106% | 4,175 |
| Net operating income to assets | -1.4115% | 4,805 |
| Return on assets (ROA) | -1.4066% | 4,805 |
| Pretax return on assets | -1.5148% | 4,802 |
| Return on Equity (ROE) | -11.9170% | 4,813 |
| Retained earnings to average equity (ytd only) | -11.9170% | 4,782 |
| Net charge-offs to loans | 0.0970% | 871 |
| Credit loss provision to net charge-offs | -33.3333% | 3,213 |
| Earnings coverage of net charge-offs (x) | -48.3333% | 2,692 |
| Efficiency ratio | 160.2911% | 28 |
| Assets per employee ($millions) | 3.7854% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 32.5017% | 4,430 |
| Net loans and leases to deposits | 37.0657% | 4,443 |
| Net loans and leases to core deposits | 42.9036% | 4,306 |
| Total domestic deposits to total assets | 87.6868% | 2,204 |
| Equity capital to assets | 12.0667% | 1,224 |
| Core capital (leverage) ratio | 12.0381% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4356% | 172 |
| Memoranda: | ||
| Average total assets | $37,892,600 | 4,683 |
| Average earning assets | $35,782,800 | 4,662 |
| Average equity | $4,472,600 | 4,674 |
| Average total loans | $12,367,000 | 4,691 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4028% | 4,631 |
| Cost of funding earning assets | 0.3890% | 1,785 |
| Net interest margin | 2.0138% | 4,672 |
| Noninterest income to average assets | 0.6521% | 2,000 |
| Noninterest expense to average assets | 3.7993% | 342 |
| Loan and lease loss provision to assets | -0.0129% | 4,329 |
| Net operating income to assets | -1.1530% | 4,870 |
| Return on assets (ROA) | -1.0433% | 4,865 |
| Pretax return on assets | -1.1154% | 4,866 |
| Return on Equity (ROE) | -8.8828% | 4,874 |
| Retained earnings to average equity (ytd only) | -8.8828% | 4,835 |
| Net charge-offs to loans | 0.0948% | 766 |
| Credit loss provision to net charge-offs | -44.4444% | 3,128 |
| Earnings coverage of net charge-offs (x) | -40.3333% | 2,449 |
| Efficiency ratio | 148.7903% | 40 |
| Assets per employee ($millions) | 4.1731% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,817 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,159 |
| Noncurrent loans to loans | 0.0335% | 3,966 |
| Net loans and leases to total assets | 31.4314% | 4,553 |
| Net loans and leases to deposits | 38.6226% | 4,497 |
| Net loans and leases to core deposits | 44.5977% | 4,358 |
| Total domestic deposits to total assets | 81.3808% | 4,034 |
| Equity capital to assets | 11.6167% | 1,593 |
| Core capital (leverage) ratio | 11.4349% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3679% | 291 |
| Memoranda: | ||
| Average total assets | $38,848,500 | 4,743 |
| Average earning assets | $36,678,500 | 4,720 |
| Average equity | $4,563,000 | 4,734 |
| Average total loans | $12,661,250 | 4,759 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5125% | 4,606 |
| Cost of funding earning assets | 0.4205% | 1,733 |
| Net interest margin | 2.0919% | 4,659 |
| Noninterest income to average assets | 0.6416% | 2,034 |
| Noninterest expense to average assets | 3.0856% | 861 |
| Loan and lease loss provision to assets | -0.0509% | 4,521 |
| Net operating income to assets | -0.3883% | 4,856 |
| Return on assets (ROA) | -0.2699% | 4,840 |
| Pretax return on assets | -0.2902% | 4,845 |
| Return on Equity (ROE) | -2.2896% | 4,847 |
| Retained earnings to average equity (ytd only) | -2.2896% | 4,685 |
| Net charge-offs to loans | 0.1860% | 458 |
| Credit loss provision to net charge-offs | -83.3333% | 3,036 |
| Earnings coverage of net charge-offs (x) | -7.6667% | 2,228 |
| Efficiency ratio | 117.8988% | 76 |
| Assets per employee ($millions) | 4.8736% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,237 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,234 |
| Noncurrent loans to loans | 0.0316% | 4,040 |
| Net loans and leases to total assets | 32.1450% | 4,588 |
| Net loans and leases to deposits | 39.5500% | 4,533 |
| Net loans and leases to core deposits | 45.4078% | 4,414 |
| Total domestic deposits to total assets | 81.2768% | 4,047 |
| Equity capital to assets | 11.8521% | 1,435 |
| Core capital (leverage) ratio | 11.7509% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7548% | 314 |
| Memoranda: | ||
| Average total assets | $39,278,667 | 4,770 |
| Average earning assets | $37,095,000 | 4,743 |
| Average equity | $4,629,667 | 4,757 |
| Average total loans | $12,906,667 | 4,791 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6819% | 4,498 |
| Cost of funding earning assets | 0.4506% | 1,720 |
| Net interest margin | 2.2314% | 4,590 |
| Noninterest income to average assets | 0.6595% | 1,994 |
| Noninterest expense to average assets | 3.1250% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.3348% | 4,867 |
| Return on assets (ROA) | -0.3348% | 4,871 |
| Pretax return on assets | -0.3551% | 4,869 |
| Return on Equity (ROE) | -2.8485% | 4,876 |
| Retained earnings to average equity (ytd only) | -2.8485% | 4,595 |
| Net charge-offs to loans | 0.0920% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -11.6667% | 1,919 |
| Efficiency ratio | 112.8205% | 98 |
| Assets per employee ($millions) | 4.3794% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,806 |
| Loan loss allowance to noncurrent loans | 1,172.7273% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,163 |
| Noncurrent loans to loans | 0.0860% | 3,876 |
| Net loans and leases to total assets | 32.1274% | 4,629 |
| Net loans and leases to deposits | 39.4658% | 4,583 |
| Net loans and leases to core deposits | 45.1460% | 4,469 |
| Total domestic deposits to total assets | 81.4056% | 4,003 |
| Equity capital to assets | 11.6961% | 1,439 |
| Core capital (leverage) ratio | 11.6660% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,423,500 | 4,794 |
| Average earning assets | $37,286,500 | 4,762 |
| Average equity | $4,634,000 | 4,782 |
| Average total loans | $13,038,500 | 4,816 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 3,984 |
| Cost of funding earning assets | 0.6941% | 1,739 |
| Net interest margin | 2.8280% | 4,219 |
| Noninterest income to average assets | 0.7532% | 1,677 |
| Noninterest expense to average assets | 3.1069% | 1,213 |
| Loan and lease loss provision to assets | 0.1937% | 2,021 |
| Net operating income to assets | 0.1345% | 4,643 |
| Return on assets (ROA) | 0.1076% | 4,702 |
| Pretax return on assets | 0.0888% | 4,711 |
| Return on Equity (ROE) | 0.8769% | 4,687 |
| Retained earnings to average equity (ytd only) | -0.7673% | 4,617 |
| Net charge-offs to loans | 0.7193% | 204 |
| Credit loss provision to net charge-offs | 69.9029% | 3,044 |
| Earnings coverage of net charge-offs (x) | 1.1165% | 3,281 |
| Efficiency ratio | 90.9449% | 340 |
| Assets per employee ($millions) | 4.9290% | 3,467 |
| Cash dividends to net income (ytd only)* | 187.5000% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,891 |
| Loan loss allowance to noncurrent loans | 412.5000% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,926 |
| Noncurrent loans to loans | 0.2409% | 3,330 |
| Net loans and leases to total assets | 33.3562% | 4,667 |
| Net loans and leases to deposits | 41.1121% | 4,629 |
| Net loans and leases to core deposits | 46.5873% | 4,530 |
| Total domestic deposits to total assets | 81.1346% | 3,843 |
| Equity capital to assets | 11.8127% | 1,672 |
| Core capital (leverage) ratio | 11.7526% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,175,000 | 4,805 |
| Average earning assets | $35,007,600 | 4,779 |
| Average equity | $4,561,400 | 4,798 |
| Average total loans | $14,319,600 | 4,817 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 3,655 |
| Cost of funding earning assets | 0.7392% | 1,807 |
| Net interest margin | 3.0266% | 3,913 |
| Noninterest income to average assets | 0.7830% | 1,567 |
| Noninterest expense to average assets | 3.1320% | 1,180 |
| Loan and lease loss provision to assets | 0.1093% | 2,952 |
| Net operating income to assets | 0.3654% | 4,334 |
| Return on assets (ROA) | 0.3278% | 4,450 |
| Pretax return on assets | 0.3496% | 4,490 |
| Return on Equity (ROE) | 2.6447% | 4,452 |
| Retained earnings to average equity (ytd only) | 0.4408% | 4,398 |
| Net charge-offs to loans | 0.4207% | 381 |
| Credit loss provision to net charge-offs | 65.2174% | 2,831 |
| Earnings coverage of net charge-offs (x) | 2.9783% | 2,944 |
| Efficiency ratio | 86.2588% | 488 |
| Assets per employee ($millions) | 4.7919% | 3,495 |
| Cash dividends to net income (ytd only)* | 83.3333% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,533 |
| Loan loss allowance to noncurrent loans | 162.6374% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,259 |
| Noncurrent loans to loans | 0.6373% | 2,203 |
| Net loans and leases to total assets | 36.8619% | 4,648 |
| Net loans and leases to deposits | 45.7580% | 4,611 |
| Net loans and leases to core deposits | 52.0057% | 4,528 |
| Total domestic deposits to total assets | 80.5582% | 3,760 |
| Equity capital to assets | 12.0230% | 1,662 |
| Core capital (leverage) ratio | 12.0755% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,610,750 | 4,838 |
| Average earning assets | $34,449,000 | 4,815 |
| Average equity | $4,537,250 | 4,823 |
| Average total loans | $14,578,250 | 4,842 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 3,577 |
| Cost of funding earning assets | 0.7733% | 1,974 |
| Net interest margin | 3.1406% | 3,808 |
| Noninterest income to average assets | 0.7881% | 1,472 |
| Noninterest expense to average assets | 3.2745% | 1,034 |
| Loan and lease loss provision to assets | 0.0999% | 3,027 |
| Net operating income to assets | 0.3381% | 4,352 |
| Return on assets (ROA) | 0.2054% | 4,612 |
| Pretax return on assets | 0.2220% | 4,613 |
| Return on Equity (ROE) | 1.6396% | 4,599 |
| Retained earnings to average equity (ytd only) | -1.6839% | 4,555 |
| Net charge-offs to loans | 0.5042% | 317 |
| Credit loss provision to net charge-offs | 48.6486% | 2,633 |
| Earnings coverage of net charge-offs (x) | 2.2703% | 2,790 |
| Efficiency ratio | 87.5371% | 474 |
| Assets per employee ($millions) | 3.7396% | 4,518 |
| Cash dividends to net income (ytd only)* | 202.7027% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,451 |
| Loan loss allowance to noncurrent loans | 1,115.3846% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,375 |
| Noncurrent loans to loans | 0.0917% | 4,095 |
| Net loans and leases to total assets | 37.5040% | 4,686 |
| Net loans and leases to deposits | 46.7952% | 4,625 |
| Net loans and leases to core deposits | 53.3859% | 4,515 |
| Total domestic deposits to total assets | 80.1449% | 3,803 |
| Equity capital to assets | 12.1109% | 1,597 |
| Core capital (leverage) ratio | 12.3992% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1468% | 361 |
| Memoranda: | ||
| Average total assets | $36,036,000 | 4,866 |
| Average earning assets | $33,878,667 | 4,843 |
| Average equity | $4,513,333 | 4,851 |
| Average total loans | $14,678,000 | 4,871 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,506 |
| Cost of funding earning assets | 0.8072% | 2,339 |
| Net interest margin | 3.3010% | 3,591 |
| Noninterest income to average assets | 0.8938% | 1,081 |
| Noninterest expense to average assets | 3.5072% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4865% | 3,927 |
| Return on assets (ROA) | 0.4412% | 4,091 |
| Pretax return on assets | 0.4412% | 4,219 |
| Return on Equity (ROE) | 3.4624% | 4,101 |
| Retained earnings to average equity (ytd only) | -3.1961% | 4,375 |
| Net charge-offs to loans | -0.2947% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8187% | 592 |
| Assets per employee ($millions) | 3.5904% | 4,402 |
| Cash dividends to net income (ytd only)* | 192.3077% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,824 |
| Loan loss allowance to noncurrent loans | 305.2632% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 3,865 |
| Noncurrent loans to loans | 0.3832% | 3,117 |
| Net loans and leases to total assets | 40.9453% | 4,631 |
| Net loans and leases to deposits | 51.3124% | 4,552 |
| Net loans and leases to core deposits | 58.9006% | 4,402 |
| Total domestic deposits to total assets | 79.7961% | 3,895 |
| Equity capital to assets | 12.0599% | 2,023 |
| Core capital (leverage) ratio | 12.6975% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,356,000 | 4,907 |
| Average earning assets | $33,202,000 | 4,886 |
| Average equity | $4,505,500 | 4,895 |
| Average total loans | $14,932,000 | 4,906 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 3,105 |
| Cost of funding earning assets | 0.8133% | 2,619 |
| Net interest margin | 3.6407% | 2,992 |
| Noninterest income to average assets | 0.8193% | 1,387 |
| Noninterest expense to average assets | 3.7742% | 696 |
| Loan and lease loss provision to assets | 0.0722% | 2,553 |
| Net operating income to assets | 0.3684% | 4,654 |
| Return on assets (ROA) | 0.3527% | 4,704 |
| Pretax return on assets | 0.3749% | 4,749 |
| Return on Equity (ROE) | 2.7639% | 4,698 |
| Retained earnings to average equity (ytd only) | 0.5876% | 4,518 |
| Net charge-offs to loans | 0.3428% | 594 |
| Credit loss provision to net charge-offs | 50.9804% | 3,120 |
| Earnings coverage of net charge-offs (x) | 3.2745% | 3,335 |
| Efficiency ratio | 89.0564% | 390 |
| Assets per employee ($millions) | 3.4808% | 4,493 |
| Cash dividends to net income (ytd only)* | 78.7402% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,020 |
| Loan loss allowance to noncurrent loans | 332.6531% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,936 |
| Noncurrent loans to loans | 0.3269% | 3,268 |
| Net loans and leases to total assets | 42.5937% | 4,657 |
| Net loans and leases to deposits | 52.7541% | 4,578 |
| Net loans and leases to core deposits | 60.5143% | 4,418 |
| Total domestic deposits to total assets | 80.7401% | 3,823 |
| Equity capital to assets | 13.4481% | 1,300 |
| Core capital (leverage) ratio | 13.3922% | 1,085 |
| Tier 1 risk-based capital ratio | 25.8378% | 691 |
| Total risk-based capital ratio | 26.7393% | 698 |
| Memoranda: | ||
| Average total assets | $36,008,000 | 4,955 |
| Average earning assets | $33,812,200 | 4,932 |
| Average equity | $4,595,000 | 4,934 |
| Average total loans | $14,876,400 | 4,969 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 3,075 |
| Cost of funding earning assets | 0.6560% | 3,423 |
| Net interest margin | 3.8381% | 2,475 |
| Noninterest income to average assets | 0.8656% | 1,225 |
| Noninterest expense to average assets | 3.7901% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6625% | 4,127 |
| Return on assets (ROA) | 0.6372% | 4,244 |
| Pretax return on assets | 0.6483% | 4,451 |
| Return on Equity (ROE) | 5.0206% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.1185% | 4,229 |
| Net charge-offs to loans | 0.1975% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.3188% | 2,670 |
| Efficiency ratio | 84.9010% | 558 |
| Assets per employee ($millions) | 2.9493% | 4,917 |
| Cash dividends to net income (ytd only)* | 57.8037% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 2,839 |
| Loan loss allowance to noncurrent loans | 363.0435% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,072 |
| Noncurrent loans to loans | 0.3133% | 3,404 |
| Net loans and leases to total assets | 41.0149% | 4,781 |
| Net loans and leases to deposits | 52.1745% | 4,701 |
| Net loans and leases to core deposits | 58.2107% | 4,594 |
| Total domestic deposits to total assets | 78.6110% | 4,244 |
| Equity capital to assets | 13.3476% | 1,434 |
| Core capital (leverage) ratio | 13.5638% | 1,110 |
| Tier 1 risk-based capital ratio | 25.8694% | 714 |
| Total risk-based capital ratio | 26.7855% | 720 |
| Memoranda: | ||
| Average total assets | $36,198,500 | 5,025 |
| Average earning assets | $33,939,500 | 5,007 |
| Average equity | $4,594,250 | 4,999 |
| Average total loans | $14,848,250 | 5,047 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 3,052 |
| Cost of funding earning assets | 0.7597% | 2,844 |
| Net interest margin | 3.7284% | 2,836 |
| Noninterest income to average assets | 0.8610% | 1,175 |
| Noninterest expense to average assets | 3.7897% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5443% | 4,438 |
| Return on assets (ROA) | 0.5704% | 4,420 |
| Pretax return on assets | 0.5978% | 4,546 |
| Return on Equity (ROE) | 4.5704% | 4,449 |
| Retained earnings to average equity (ytd only) | 0.1758% | 4,644 |
| Net charge-offs to loans | 0.0671% | 1,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,757 |
| Efficiency ratio | 86.9182% | 498 |
| Assets per employee ($millions) | 2.9473% | 4,937 |
| Cash dividends to net income (ytd only)* | 96.1538% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,239 |
| Loan loss allowance to noncurrent loans | 197.8495% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 3,515 |
| Noncurrent loans to loans | 0.6327% | 2,357 |
| Net loans and leases to total assets | 41.0371% | 4,818 |
| Net loans and leases to deposits | 50.1347% | 4,801 |
| Net loans and leases to core deposits | 55.7052% | 4,721 |
| Total domestic deposits to total assets | 81.8537% | 3,560 |
| Equity capital to assets | 13.1390% | 1,522 |
| Core capital (leverage) ratio | 12.6160% | 1,478 |
| Tier 1 risk-based capital ratio | 23.4289% | 903 |
| Total risk-based capital ratio | 24.3562% | 912 |
| Memoranda: | ||
| Average total assets | $36,467,330 | 5,062 |
| Average earning assets | $34,224,000 | 5,043 |
| Average equity | $4,551,000 | 5,039 |
| Average total loans | $14,903,330 | 5,090 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 3,500 |
| Cost of funding earning assets | 0.7353% | 2,860 |
| Net interest margin | 3.5846% | 3,305 |
| Noninterest income to average assets | 0.8753% | 1,096 |
| Noninterest expense to average assets | 3.7280% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4902% | 4,549 |
| Return on assets (ROA) | 0.5511% | 4,406 |
| Pretax return on assets | 0.5835% | 4,544 |
| Return on Equity (ROE) | 4.5303% | 4,461 |
| Retained earnings to average equity (ytd only) | -4.3527% | 4,891 |
| Net charge-offs to loans | 0.0267% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,052 |
| Efficiency ratio | 87.7863% | 496 |
| Assets per employee ($millions) | 3.0073% | 4,971 |
| Cash dividends to net income (ytd only)* | 196.0784% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,228 |
| Loan loss allowance to noncurrent loans | 189.8990% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 3,512 |
| Noncurrent loans to loans | 0.6688% | 2,346 |
| Net loans and leases to total assets | 40.4993% | 4,875 |
| Net loans and leases to deposits | 51.3257% | 4,772 |
| Net loans and leases to core deposits | 57.6642% | 4,654 |
| Total domestic deposits to total assets | 78.9065% | 4,368 |
| Equity capital to assets | 12.6223% | 1,672 |
| Core capital (leverage) ratio | 12.5007% | 1,512 |
| Tier 1 risk-based capital ratio | 22.7818% | 960 |
| Total risk-based capital ratio | 23.7137% | 969 |
| Memoranda: | ||
| Average total assets | $37,017,000 | 5,107 |
| Average earning assets | $34,815,500 | 5,085 |
| Average equity | $4,503,000 | 5,087 |
| Average total loans | $15,006,000 | 5,148 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,911 |
| Cost of funding earning assets | 0.6128% | 2,633 |
| Net interest margin | 3.4291% | 3,913 |
| Noninterest income to average assets | 0.7224% | 1,763 |
| Noninterest expense to average assets | 3.4329% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4956% | 4,668 |
| Return on assets (ROA) | 0.5226% | 4,607 |
| Pretax return on assets | 0.5431% | 4,729 |
| Return on Equity (ROE) | 4.5954% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.7796% | 4,434 |
| Net charge-offs to loans | -0.0598% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9565% | 480 |
| Assets per employee ($millions) | 3.1623% | 4,875 |
| Cash dividends to net income (ytd only)* | 61.2745% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,340 |
| Loan loss allowance to noncurrent loans | 176.6355% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 3,453 |
| Noncurrent loans to loans | 0.7035% | 2,230 |
| Net loans and leases to total assets | 39.5815% | 4,963 |
| Net loans and leases to deposits | 52.0750% | 4,822 |
| Net loans and leases to core deposits | 60.0968% | 4,626 |
| Total domestic deposits to total assets | 76.0086% | 4,752 |
| Equity capital to assets | 11.7295% | 2,077 |
| Core capital (leverage) ratio | 12.2198% | 1,607 |
| Tier 1 risk-based capital ratio | 22.1401% | 1,012 |
| Total risk-based capital ratio | 23.0410% | 1,038 |
| Memoranda: | ||
| Average total assets | $39,034,600 | 5,113 |
| Average earning assets | $36,715,000 | 5,092 |
| Average equity | $4,439,200 | 5,116 |
| Average total loans | $15,058,800 | 5,196 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 4,014 |
| Cost of funding earning assets | 0.5845% | 2,588 |
| Net interest margin | 3.3879% | 4,038 |
| Noninterest income to average assets | 0.6988% | 1,867 |
| Noninterest expense to average assets | 3.3547% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4938% | 4,773 |
| Return on assets (ROA) | 0.5190% | 4,719 |
| Pretax return on assets | 0.5563% | 4,809 |
| Return on Equity (ROE) | 4.5983% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.8415% | 4,894 |
| Net charge-offs to loans | -0.0444% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3755% | 495 |
| Assets per employee ($millions) | 3.4053% | 4,677 |
| Cash dividends to net income (ytd only)* | 81.7001% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,493 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,900 |
| Noncurrent loans to loans | 0.0532% | 4,655 |
| Net loans and leases to total assets | 36.3670% | 5,131 |
| Net loans and leases to deposits | 47.3386% | 5,028 |
| Net loans and leases to core deposits | 52.7435% | 4,945 |
| Total domestic deposits to total assets | 76.8231% | 4,672 |
| Equity capital to assets | 10.9950% | 2,672 |
| Core capital (leverage) ratio | 11.5908% | 2,098 |
| Tier 1 risk-based capital ratio | 21.0625% | 1,177 |
| Total risk-based capital ratio | 21.9067% | 1,205 |
| Memoranda: | ||
| Average total assets | $39,306,500 | 5,169 |
| Average earning assets | $36,954,250 | 5,154 |
| Average equity | $4,436,250 | 5,183 |
| Average total loans | $15,021,250 | 5,258 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,785 |
| Cost of funding earning assets | 0.6037% | 2,204 |
| Net interest margin | 3.3972% | 3,962 |
| Noninterest income to average assets | 0.6755% | 1,974 |
| Noninterest expense to average assets | 3.3722% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4746% | 4,811 |
| Return on assets (ROA) | 0.4795% | 4,799 |
| Pretax return on assets | 0.5002% | 4,909 |
| Return on Equity (ROE) | 4.2107% | 4,766 |
| Retained earnings to average equity (ytd only) | -1.4488% | 5,109 |
| Net charge-offs to loans | -0.1066% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2000% | 511 |
| Assets per employee ($millions) | 3.2153% | 4,918 |
| Cash dividends to net income (ytd only)* | 134.4086% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.8072% | 5,097 |
| Net loans and leases to deposits | 51.2230% | 4,938 |
| Net loans and leases to core deposits | 57.7484% | 4,802 |
| Total domestic deposits to total assets | 75.7613% | 4,878 |
| Equity capital to assets | 11.3340% | 2,328 |
| Core capital (leverage) ratio | 11.7136% | 1,898 |
| Tier 1 risk-based capital ratio | 20.6218% | 1,227 |
| Total risk-based capital ratio | 21.4731% | 1,258 |
| Memoranda: | ||
| Average total assets | $38,787,330 | 5,237 |
| Average earning assets | $36,441,670 | 5,217 |
| Average equity | $4,417,330 | 5,242 |
| Average total loans | $15,013,330 | 5,317 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 3,940 |
| Cost of funding earning assets | 0.6110% | 1,977 |
| Net interest margin | 3.2841% | 4,229 |
| Noninterest income to average assets | 0.6686% | 1,964 |
| Noninterest expense to average assets | 3.3325% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3978% | 4,932 |
| Return on assets (ROA) | 0.3600% | 5,003 |
| Pretax return on assets | 0.3909% | 5,047 |
| Return on Equity (ROE) | 3.1535% | 4,985 |
| Retained earnings to average equity (ytd only) | -3.6040% | 5,120 |
| Net charge-offs to loans | -0.0268% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5246% | 508 |
| Assets per employee ($millions) | 3.2176% | 4,981 |
| Cash dividends to net income (ytd only)* | 214.2857% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 38.4631% | 5,123 |
| Net loans and leases to deposits | 50.7674% | 4,933 |
| Net loans and leases to core deposits | 56.4892% | 4,824 |
| Total domestic deposits to total assets | 75.7634% | 4,982 |
| Equity capital to assets | 11.3154% | 2,290 |
| Core capital (leverage) ratio | 11.6579% | 1,886 |
| Tier 1 risk-based capital ratio | 20.4594% | 1,271 |
| Total risk-based capital ratio | 21.2732% | 1,310 |
| Memoranda: | ||
| Average total assets | $38,889,500 | 5,292 |
| Average earning assets | $36,661,500 | 5,271 |
| Average equity | $4,439,500 | 5,295 |
| Average total loans | $14,940,000 | 5,380 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,000 |
| Cost of funding earning assets | 0.5595% | 1,886 |
| Net interest margin | 3.2551% | 4,294 |
| Noninterest income to average assets | 0.6395% | 2,251 |
| Noninterest expense to average assets | 3.4001% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3165% | 4,902 |
| Return on assets (ROA) | 0.3597% | 4,828 |
| Pretax return on assets | 0.3972% | 5,091 |
| Return on Equity (ROE) | 3.2080% | 4,775 |
| Retained earnings to average equity (ytd only) | 2.0941% | 4,065 |
| Net charge-offs to loans | -0.1485% | 5,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6729% | 397 |
| Assets per employee ($millions) | 3.0129% | 5,188 |
| Cash dividends to net income (ytd only)* | 34.7222% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 37.4540% | 5,244 |
| Net loans and leases to deposits | 49.6598% | 5,069 |
| Net loans and leases to core deposits | 55.1027% | 4,963 |
| Total domestic deposits to total assets | 75.4213% | 5,040 |
| Equity capital to assets | 11.5145% | 2,194 |
| Core capital (leverage) ratio | 11.5883% | 1,875 |
| Tier 1 risk-based capital ratio | 20.3833% | 1,254 |
| Total risk-based capital ratio | 21.1829% | 1,301 |
| Memoranda: | ||
| Average total assets | $40,028,600 | 5,325 |
| Average earning assets | $38,247,600 | 5,298 |
| Average equity | $4,488,800 | 5,347 |
| Average total loans | $14,816,000 | 5,444 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,929 |
| Cost of funding earning assets | 0.6470% | 1,259 |
| Net interest margin | 3.1759% | 4,519 |
| Noninterest income to average assets | 0.6326% | 2,300 |
| Noninterest expense to average assets | 3.4081% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2396% | 5,313 |
| Return on assets (ROA) | 0.3180% | 5,212 |
| Pretax return on assets | 0.3511% | 5,258 |
| Return on Equity (ROE) | 2.8619% | 5,141 |
| Retained earnings to average equity (ytd only) | 1.3713% | 4,858 |
| Net charge-offs to loans | -0.1981% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7863% | 320 |
| Assets per employee ($millions) | 2.8434% | 5,363 |
| Cash dividends to net income (ytd only)* | 52.0859% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 36.1017% | 5,341 |
| Net loans and leases to deposits | 47.8507% | 5,189 |
| Net loans and leases to core deposits | 53.2753% | 5,091 |
| Total domestic deposits to total assets | 75.4465% | 5,078 |
| Equity capital to assets | 11.3799% | 2,484 |
| Core capital (leverage) ratio | 11.3360% | 2,152 |
| Tier 1 risk-based capital ratio | 19.5590% | 1,462 |
| Total risk-based capital ratio | 20.3388% | 1,520 |
| Memoranda: | ||
| Average total assets | $40,255,750 | 5,382 |
| Average earning assets | $38,538,750 | 5,356 |
| Average equity | $4,472,500 | 5,405 |
| Average total loans | $14,807,750 | 5,500 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,058 |
| Cost of funding earning assets | 0.5488% | 1,784 |
| Net interest margin | 3.2058% | 4,404 |
| Noninterest income to average assets | 0.6336% | 2,301 |
| Noninterest expense to average assets | 3.3708% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3336% | 5,142 |
| Return on assets (ROA) | 0.4257% | 4,938 |
| Pretax return on assets | 0.4554% | 5,077 |
| Return on Equity (ROE) | 3.8623% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.8623% | 3,395 |
| Net charge-offs to loans | -0.1209% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4382% | 430 |
| Assets per employee ($millions) | 3.4225% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,384 |
| Loan loss allowance to noncurrent loans | 16,700.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,306 |
| Noncurrent loans to loans | 0.0068% | 5,162 |
| Net loans and leases to total assets | 35.3567% | 5,404 |
| Net loans and leases to deposits | 48.2425% | 5,206 |
| Net loans and leases to core deposits | 53.9894% | 5,089 |
| Total domestic deposits to total assets | 73.2895% | 5,355 |
| Equity capital to assets | 10.8839% | 2,941 |
| Core capital (leverage) ratio | 10.9395% | 2,469 |
| Tier 1 risk-based capital ratio | 19.9389% | 1,383 |
| Total risk-based capital ratio | 20.6781% | 1,444 |
| Memoranda: | ||
| Average total assets | $40,405,330 | 5,428 |
| Average earning assets | $38,992,330 | 5,393 |
| Average equity | $4,453,330 | 5,450 |
| Average total loans | $14,893,330 | 5,547 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 3,876 |
| Cost of funding earning assets | 0.5382% | 1,803 |
| Net interest margin | 3.2294% | 4,249 |
| Noninterest income to average assets | 0.6488% | 2,185 |
| Noninterest expense to average assets | 3.4038% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3394% | 5,105 |
| Return on assets (ROA) | 0.3394% | 5,125 |
| Pretax return on assets | 0.3593% | 5,223 |
| Return on Equity (ROE) | 3.0596% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.0596% | 3,884 |
| Net charge-offs to loans | -0.1334% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4509% | 536 |
| Assets per employee ($millions) | 3.0945% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,720 |
| Loan loss allowance to noncurrent loans | 16,300.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,372 |
| Noncurrent loans to loans | 0.0067% | 5,230 |
| Net loans and leases to total assets | 36.4572% | 5,386 |
| Net loans and leases to deposits | 51.0939% | 5,064 |
| Net loans and leases to core deposits | 57.7129% | 4,893 |
| Total domestic deposits to total assets | 71.3533% | 5,578 |
| Equity capital to assets | 11.0793% | 2,555 |
| Core capital (leverage) ratio | 11.1520% | 2,232 |
| Tier 1 risk-based capital ratio | 19.9400% | 1,407 |
| Total risk-based capital ratio | 20.6700% | 1,484 |
| Memoranda: | ||
| Average total assets | $40,073,000 | 5,497 |
| Average earning assets | $38,644,500 | 5,456 |
| Average equity | $4,445,000 | 5,506 |
| Average total loans | $14,996,000 | 5,608 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,864 |
| Cost of funding earning assets | 0.5391% | 1,799 |
| Net interest margin | 3.2729% | 4,226 |
| Noninterest income to average assets | 0.6836% | 2,248 |
| Noninterest expense to average assets | 3.6568% | 938 |
| Loan and lease loss provision to assets | 0.0443% | 3,500 |
| Net operating income to assets | 0.1340% | 5,519 |
| Return on assets (ROA) | 0.2951% | 5,300 |
| Pretax return on assets | 0.3246% | 5,337 |
| Return on Equity (ROE) | 2.7806% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.7806% | 3,922 |
| Net charge-offs to loans | 0.0193% | 3,670 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,565 |
| Efficiency ratio | 95.0160% | 345 |
| Assets per employee ($millions) | 3.0706% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 37.5896% | 5,414 |
| Net loans and leases to deposits | 52.8792% | 5,069 |
| Net loans and leases to core deposits | 59.9313% | 4,861 |
| Total domestic deposits to total assets | 71.0857% | 5,611 |
| Equity capital to assets | 11.1053% | 2,533 |
| Core capital (leverage) ratio | 11.2142% | 2,161 |
| Tier 1 risk-based capital ratio | 19.6053% | 1,451 |
| Total risk-based capital ratio | 20.2982% | 1,550 |
| Memoranda: | ||
| Average total assets | $40,664,400 | 5,527 |
| Average earning assets | $39,322,800 | 5,482 |
| Average equity | $4,315,600 | 5,586 |
| Average total loans | $15,537,000 | 5,650 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,824 |
| Cost of funding earning assets | 0.5362% | 1,823 |
| Net interest margin | 3.2981% | 4,193 |
| Noninterest income to average assets | 0.6691% | 2,319 |
| Noninterest expense to average assets | 3.6294% | 950 |
| Loan and lease loss provision to assets | 0.0588% | 3,079 |
| Net operating income to assets | 0.1616% | 5,533 |
| Return on assets (ROA) | 0.2905% | 5,390 |
| Pretax return on assets | 0.3101% | 5,450 |
| Return on Equity (ROE) | 2.7684% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.7684% | 4,231 |
| Net charge-offs to loans | -0.0597% | 5,420 |
| Credit loss provision to net charge-offs | -257.1429% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9983% | 390 |
| Assets per employee ($millions) | 2.8849% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,056 |
| Loan loss allowance to noncurrent loans | 2,816.6667% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,462 |
| Noncurrent loans to loans | 0.0377% | 5,216 |
| Net loans and leases to total assets | 38.9537% | 5,432 |
| Net loans and leases to deposits | 54.6797% | 5,073 |
| Net loans and leases to core deposits | 61.3301% | 4,869 |
| Total domestic deposits to total assets | 71.2397% | 5,630 |
| Equity capital to assets | 11.1095% | 2,911 |
| Core capital (leverage) ratio | 11.2146% | 2,255 |
| Tier 1 risk-based capital ratio | 19.0450% | 1,662 |
| Total risk-based capital ratio | 19.7725% | 1,746 |
| Memoranda: | ||
| Average total assets | $40,851,000 | 5,582 |
| Average earning assets | $39,536,500 | 5,536 |
| Average equity | $4,286,250 | 5,654 |
| Average total loans | $15,630,500 | 5,708 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 3,852 |
| Cost of funding earning assets | 0.5283% | 1,879 |
| Net interest margin | 3.3007% | 4,229 |
| Noninterest income to average assets | 0.6585% | 2,336 |
| Noninterest expense to average assets | 3.5020% | 1,158 |
| Loan and lease loss provision to assets | 0.0585% | 2,969 |
| Net operating income to assets | 0.2886% | 5,356 |
| Return on assets (ROA) | 0.3170% | 5,355 |
| Pretax return on assets | 0.3268% | 5,456 |
| Return on Equity (ROE) | 3.0811% | 5,227 |
| Retained earnings to average equity (ytd only) | -1.6590% | 5,507 |
| Net charge-offs to loans | -0.1030% | 5,635 |
| Credit loss provision to net charge-offs | -150.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7712% | 558 |
| Assets per employee ($millions) | 3.2071% | 5,195 |
| Cash dividends to net income (ytd only)* | 153.8462% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 4,263 |
| Loan loss allowance to noncurrent loans | 440.5405% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 5,173 |
| Noncurrent loans to loans | 0.2367% | 4,496 |
| Net loans and leases to total assets | 37.1078% | 5,554 |
| Net loans and leases to deposits | 51.2641% | 5,286 |
| Net loans and leases to core deposits | 57.2174% | 5,113 |
| Total domestic deposits to total assets | 72.3856% | 5,648 |
| Equity capital to assets | 10.4648% | 3,675 |
| Core capital (leverage) ratio | 10.6737% | 2,762 |
| Tier 1 risk-based capital ratio | 18.9119% | 1,707 |
| Total risk-based capital ratio | 19.6179% | 1,795 |
| Memoranda: | ||
| Average total assets | $41,005,000 | 5,639 |
| Average earning assets | $39,749,000 | 5,590 |
| Average equity | $4,219,330 | 5,728 |
| Average total loans | $15,540,000 | 5,774 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,823 |
| Cost of funding earning assets | 0.5379% | 1,806 |
| Net interest margin | 3.2983% | 4,223 |
| Noninterest income to average assets | 0.7083% | 2,003 |
| Noninterest expense to average assets | 3.5316% | 1,132 |
| Loan and lease loss provision to assets | 0.0590% | 2,777 |
| Net operating income to assets | 0.2957% | 5,320 |
| Return on assets (ROA) | 0.3050% | 5,373 |
| Pretax return on assets | 0.3246% | 5,461 |
| Return on Equity (ROE) | 2.9898% | 5,241 |
| Retained earnings to average equity (ytd only) | -6.6546% | 5,702 |
| Net charge-offs to loans | -0.1807% | 5,819 |
| Credit loss provision to net charge-offs | -85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4282% | 646 |
| Assets per employee ($millions) | 3.2095% | 5,270 |
| Cash dividends to net income (ytd only)* | 322.5806% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,505 |
| Loan loss allowance to noncurrent loans | 168.8172% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 4,672 |
| Noncurrent loans to loans | 0.6028% | 3,370 |
| Net loans and leases to total assets | 36.6033% | 5,609 |
| Net loans and leases to deposits | 50.2055% | 5,328 |
| Net loans and leases to core deposits | 58.2256% | 5,032 |
| Total domestic deposits to total assets | 72.9070% | 5,715 |
| Equity capital to assets | 9.9442% | 4,153 |
| Core capital (leverage) ratio | 11.0292% | 2,382 |
| Tier 1 risk-based capital ratio | 18.8186% | 1,775 |
| Total risk-based capital ratio | 19.4881% | 1,883 |
| Memoranda: | ||
| Average total assets | $40,661,500 | 5,703 |
| Average earning assets | $39,414,500 | 5,648 |
| Average equity | $4,147,500 | 5,781 |
| Average total loans | $15,493,000 | 5,829 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,159 |
| Cost of funding earning assets | 0.5758% | 1,543 |
| Net interest margin | 3.4626% | 3,668 |
| Noninterest income to average assets | 0.6851% | 2,272 |
| Noninterest expense to average assets | 3.6050% | 1,116 |
| Loan and lease loss provision to assets | 0.0693% | 2,902 |
| Net operating income to assets | 0.3307% | 5,269 |
| Return on assets (ROA) | 0.3567% | 5,280 |
| Pretax return on assets | 0.3874% | 5,349 |
| Return on Equity (ROE) | 3.2524% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.2524% | 3,738 |
| Net charge-offs to loans | 0.5008% | 529 |
| Credit loss provision to net charge-offs | 35.5263% | 3,586 |
| Earnings coverage of net charge-offs (x) | 2.1974% | 3,954 |
| Efficiency ratio | 89.3766% | 729 |
| Assets per employee ($millions) | 3.0462% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,991 |
| Loan loss allowance to noncurrent loans | 480.0000% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,325 |
| Noncurrent loans to loans | 0.1928% | 4,713 |
| Net loans and leases to total assets | 38.9217% | 5,579 |
| Net loans and leases to deposits | 53.3322% | 5,197 |
| Net loans and leases to core deposits | 62.2370% | 4,862 |
| Total domestic deposits to total assets | 72.9798% | 5,728 |
| Equity capital to assets | 10.4697% | 3,394 |
| Core capital (leverage) ratio | 11.4566% | 1,996 |
| Tier 1 risk-based capital ratio | 19.5492% | 1,576 |
| Total risk-based capital ratio | 20.1864% | 1,682 |
| Memoranda: | ||
| Average total assets | $38,973,400 | 5,783 |
| Average earning assets | $37,688,600 | 5,737 |
| Average equity | $4,273,800 | 5,805 |
| Average total loans | $15,176,400 | 5,890 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,135 |
| Cost of funding earning assets | 0.5793% | 1,551 |
| Net interest margin | 3.4687% | 3,675 |
| Noninterest income to average assets | 0.6698% | 2,389 |
| Noninterest expense to average assets | 3.5963% | 1,121 |
| Loan and lease loss provision to assets | 0.0721% | 2,733 |
| Net operating income to assets | 0.3259% | 5,381 |
| Return on assets (ROA) | 0.3607% | 5,371 |
| Pretax return on assets | 0.3916% | 5,476 |
| Return on Equity (ROE) | 3.2515% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.2515% | 4,144 |
| Net charge-offs to loans | 0.6188% | 361 |
| Credit loss provision to net charge-offs | 30.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.7715% | 3,782 |
| Efficiency ratio | 89.4108% | 734 |
| Assets per employee ($millions) | 3.2055% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 5,100 |
| Loan loss allowance to noncurrent loans | 376.3158% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,353 |
| Noncurrent loans to loans | 0.2457% | 4,696 |
| Net loans and leases to total assets | 39.8404% | 5,599 |
| Net loans and leases to deposits | 55.4892% | 5,155 |
| Net loans and leases to core deposits | 62.5612% | 4,898 |
| Total domestic deposits to total assets | 71.7985% | 5,873 |
| Equity capital to assets | 10.9707% | 3,061 |
| Core capital (leverage) ratio | 11.6063% | 1,952 |
| Tier 1 risk-based capital ratio | 19.5807% | 1,652 |
| Total risk-based capital ratio | 20.2285% | 1,746 |
| Memoranda: | ||
| Average total assets | $38,816,750 | 5,867 |
| Average earning assets | $37,515,000 | 5,815 |
| Average equity | $4,305,750 | 5,879 |
| Average total loans | $15,081,250 | 5,971 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 2,985 |
| Cost of funding earning assets | 0.5793% | 1,571 |
| Net interest margin | 3.4971% | 3,514 |
| Noninterest income to average assets | 0.6473% | 2,489 |
| Noninterest expense to average assets | 3.5599% | 1,196 |
| Loan and lease loss provision to assets | 0.0616% | 2,876 |
| Net operating income to assets | 0.3719% | 5,232 |
| Return on assets (ROA) | 0.3955% | 5,257 |
| Pretax return on assets | 0.4315% | 5,397 |
| Return on Equity (ROE) | 3.5530% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,765 |
| Net charge-offs to loans | 0.3076% | 863 |
| Credit loss provision to net charge-offs | 52.1739% | 2,680 |
| Earnings coverage of net charge-offs (x) | 3.9565% | 3,111 |
| Efficiency ratio | 88.3929% | 886 |
| Assets per employee ($millions) | 3.5719% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,989 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,656 |
| Noncurrent loans to loans | 0.7780% | 3,161 |
| Net loans and leases to total assets | 38.8002% | 5,701 |
| Net loans and leases to deposits | 53.8103% | 5,268 |
| Net loans and leases to core deposits | 60.3834% | 5,044 |
| Total domestic deposits to total assets | 72.1056% | 5,931 |
| Equity capital to assets | 11.1221% | 2,752 |
| Core capital (leverage) ratio | 11.3488% | 2,121 |
| Tier 1 risk-based capital ratio | 19.4386% | 1,684 |
| Total risk-based capital ratio | 20.2475% | 1,762 |
| Memoranda: | ||
| Average total assets | $38,933,670 | 5,924 |
| Average earning assets | $37,631,000 | 5,872 |
| Average equity | $4,334,330 | 5,935 |
| Average total loans | $14,952,330 | 6,033 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 2,903 |
| Cost of funding earning assets | 0.5559% | 1,790 |
| Net interest margin | 3.5280% | 3,309 |
| Noninterest income to average assets | 0.6399% | 2,449 |
| Noninterest expense to average assets | 3.4886% | 1,339 |
| Loan and lease loss provision to assets | 0.0619% | 2,693 |
| Net operating income to assets | 0.4566% | 4,842 |
| Return on assets (ROA) | 0.4851% | 4,871 |
| Pretax return on assets | 0.5264% | 5,108 |
| Return on Equity (ROE) | 4.3554% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.3554% | 3,404 |
| Net charge-offs to loans | 0.6252% | 389 |
| Credit loss provision to net charge-offs | 26.0870% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.3478% | 2,776 |
| Efficiency ratio | 86.2245% | 1,166 |
| Assets per employee ($millions) | 2.9872% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 4,243 |
| Loan loss allowance to noncurrent loans | 3,480.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,903 |
| Noncurrent loans to loans | 0.0331% | 5,663 |
| Net loans and leases to total assets | 38.3916% | 5,706 |
| Net loans and leases to deposits | 52.5094% | 5,305 |
| Net loans and leases to core deposits | 58.3911% | 5,094 |
| Total domestic deposits to total assets | 73.1138% | 5,969 |
| Equity capital to assets | 11.1886% | 2,766 |
| Core capital (leverage) ratio | 11.4642% | 2,029 |
| Tier 1 risk-based capital ratio | 20.7071% | 1,478 |
| Total risk-based capital ratio | 21.5512% | 1,528 |
| Memoranda: | ||
| Average total assets | $38,755,000 | 5,988 |
| Average earning assets | $37,415,000 | 5,934 |
| Average equity | $4,316,500 | 5,992 |
| Average total loans | $14,716,000 | 6,092 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,011 |
| Cost of funding earning assets | 0.5188% | 2,501 |
| Net interest margin | 3.6614% | 3,170 |
| Noninterest income to average assets | 0.7187% | 2,216 |
| Noninterest expense to average assets | 3.7397% | 1,080 |
| Loan and lease loss provision to assets | 0.0993% | 2,498 |
| Net operating income to assets | 0.4103% | 5,189 |
| Return on assets (ROA) | 0.5802% | 4,543 |
| Pretax return on assets | 0.5958% | 4,956 |
| Return on Equity (ROE) | 5.1365% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.1365% | 2,506 |
| Net charge-offs to loans | 0.1935% | 2,119 |
| Credit loss provision to net charge-offs | 135.7143% | 1,738 |
| Earnings coverage of net charge-offs (x) | 7.1071% | 3,088 |
| Efficiency ratio | 87.7914% | 1,009 |
| Assets per employee ($millions) | 2.9751% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 3,198 |
| Loan loss allowance to noncurrent loans | 2,144.4444% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,949 |
| Noncurrent loans to loans | 0.0627% | 5,628 |
| Net loans and leases to total assets | 36.6015% | 5,923 |
| Net loans and leases to deposits | 52.1515% | 5,470 |
| Net loans and leases to core deposits | 57.9855% | 5,261 |
| Total domestic deposits to total assets | 70.1831% | 6,189 |
| Equity capital to assets | 11.0870% | 2,820 |
| Core capital (leverage) ratio | 11.2990% | 2,134 |
| Tier 1 risk-based capital ratio | 20.6385% | 1,485 |
| Total risk-based capital ratio | 21.5500% | 1,504 |
| Memoranda: | ||
| Average total assets | $38,264,800 | 6,076 |
| Average earning assets | $37,007,600 | 6,017 |
| Average equity | $4,322,000 | 6,029 |
| Average total loans | $14,473,200 | 6,174 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 3,037 |
| Cost of funding earning assets | 0.5094% | 2,669 |
| Net interest margin | 3.6778% | 3,114 |
| Noninterest income to average assets | 0.7092% | 2,282 |
| Noninterest expense to average assets | 3.7314% | 1,078 |
| Loan and lease loss provision to assets | 0.1328% | 1,889 |
| Net operating income to assets | 0.3762% | 5,338 |
| Return on assets (ROA) | 0.5939% | 4,554 |
| Pretax return on assets | 0.6359% | 4,918 |
| Return on Equity (ROE) | 5.2340% | 4,608 |
| Retained earnings to average equity (ytd only) | 5.2340% | 2,927 |
| Net charge-offs to loans | 0.0919% | 2,896 |
| Credit loss provision to net charge-offs | 380.0000% | 740 |
| Earnings coverage of net charge-offs (x) | 15.3031% | 2,063 |
| Efficiency ratio | 87.4693% | 1,054 |
| Assets per employee ($millions) | 2.9042% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 2,835 |
| Loan loss allowance to noncurrent loans | 1,507.1429% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 6,021 |
| Noncurrent loans to loans | 0.0979% | 5,651 |
| Net loans and leases to total assets | 37.3037% | 5,978 |
| Net loans and leases to deposits | 51.7585% | 5,543 |
| Net loans and leases to core deposits | 56.9856% | 5,391 |
| Total domestic deposits to total assets | 72.0726% | 6,166 |
| Equity capital to assets | 11.5031% | 2,482 |
| Core capital (leverage) ratio | 11.4369% | 2,112 |
| Tier 1 risk-based capital ratio | 20.5992% | 1,529 |
| Total risk-based capital ratio | 21.6058% | 1,552 |
| Memoranda: | ||
| Average total assets | $38,162,000 | 6,154 |
| Average earning assets | $36,905,250 | 6,093 |
| Average equity | $4,330,500 | 6,087 |
| Average total loans | $14,504,250 | 6,247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 3,044 |
| Cost of funding earning assets | 0.5073% | 2,756 |
| Net interest margin | 3.6698% | 3,069 |
| Noninterest income to average assets | 0.7102% | 2,225 |
| Noninterest expense to average assets | 3.6190% | 1,264 |
| Loan and lease loss provision to assets | 0.1984% | 1,222 |
| Net operating income to assets | 0.4162% | 5,153 |
| Return on assets (ROA) | 0.7416% | 3,714 |
| Pretax return on assets | 0.7938% | 4,298 |
| Return on Equity (ROE) | 6.5645% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.5645% | 2,000 |
| Net charge-offs to loans | 0.0412% | 3,408 |
| Credit loss provision to net charge-offs | 1,266.6667% | 276 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,037 |
| Efficiency ratio | 84.9265% | 1,395 |
| Assets per employee ($millions) | 2.7122% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 2,819 |
| Loan loss allowance to noncurrent loans | 1,090.0000% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 6,034 |
| Noncurrent loans to loans | 0.1392% | 5,586 |
| Net loans and leases to total assets | 37.2758% | 5,994 |
| Net loans and leases to deposits | 51.7173% | 5,515 |
| Net loans and leases to core deposits | 56.9028% | 5,354 |
| Total domestic deposits to total assets | 72.0761% | 6,247 |
| Equity capital to assets | 11.6220% | 2,305 |
| Core capital (leverage) ratio | 11.2981% | 2,157 |
| Tier 1 risk-based capital ratio | 21.1320% | 1,423 |
| Total risk-based capital ratio | 22.2058% | 1,430 |
| Memoranda: | ||
| Average total assets | $38,297,670 | 6,211 |
| Average earning assets | $37,059,330 | 6,144 |
| Average equity | $4,326,330 | 6,131 |
| Average total loans | $14,574,000 | 6,299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 3,140 |
| Cost of funding earning assets | 0.5039% | 2,866 |
| Net interest margin | 3.6342% | 3,126 |
| Noninterest income to average assets | 0.7176% | 2,093 |
| Noninterest expense to average assets | 3.5777% | 1,351 |
| Loan and lease loss provision to assets | 0.3120% | 602 |
| Net operating income to assets | 0.3322% | 5,385 |
| Return on assets (ROA) | 0.7384% | 3,577 |
| Pretax return on assets | 0.7904% | 4,144 |
| Return on Equity (ROE) | 6.6309% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.6309% | 2,219 |
| Net charge-offs to loans | -0.0818% | 6,044 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3137% | 1,632 |
| Assets per employee ($millions) | 2.5865% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,126 |
| Loan loss allowance to noncurrent loans | 986.3636% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 6,107 |
| Noncurrent loans to loans | 0.1527% | 5,625 |
| Net loans and leases to total assets | 36.5818% | 6,040 |
| Net loans and leases to deposits | 50.0971% | 5,592 |
| Net loans and leases to core deposits | 55.8033% | 5,371 |
| Total domestic deposits to total assets | 73.0218% | 6,304 |
| Equity capital to assets | 11.1423% | 2,580 |
| Core capital (leverage) ratio | 10.9058% | 2,482 |
| Tier 1 risk-based capital ratio | 21.2755% | 1,421 |
| Total risk-based capital ratio | 22.3695% | 1,429 |
| Memoranda: | ||
| Average total assets | $38,461,000 | 6,275 |
| Average earning assets | $37,312,000 | 6,192 |
| Average equity | $4,283,000 | 6,190 |
| Average total loans | $14,675,000 | 6,359 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,145 |
| Cost of funding earning assets | 0.5002% | 3,614 |
| Net interest margin | 4.0155% | 1,902 |
| Noninterest income to average assets | 0.6561% | 2,775 |
| Noninterest expense to average assets | 3.7451% | 1,226 |
| Loan and lease loss provision to assets | 0.5551% | 471 |
| Net operating income to assets | 0.2186% | 5,781 |
| Return on assets (ROA) | 0.3001% | 5,620 |
| Pretax return on assets | 0.3240% | 5,663 |
| Return on Equity (ROE) | 2.7105% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.7105% | 4,310 |
| Net charge-offs to loans | 2.1962% | 152 |
| Credit loss provision to net charge-offs | 62.3881% | 3,498 |
| Earnings coverage of net charge-offs (x) | 0.8896% | 4,790 |
| Efficiency ratio | 82.5527% | 1,808 |
| Assets per employee ($millions) | 2.5416% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 4,520 |
| Loan loss allowance to noncurrent loans | 795.6522% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 5,927 |
| Noncurrent loans to loans | 0.1539% | 5,733 |
| Net loans and leases to total assets | 38.7079% | 6,044 |
| Net loans and leases to deposits | 53.3611% | 5,521 |
| Net loans and leases to core deposits | 59.6002% | 5,246 |
| Total domestic deposits to total assets | 72.5396% | 6,382 |
| Equity capital to assets | 11.1295% | 2,500 |
| Core capital (leverage) ratio | 10.9075% | 2,469 |
| Tier 1 risk-based capital ratio | 20.5969% | 1,513 |
| Total risk-based capital ratio | 21.5055% | 1,563 |
| Memoranda: | ||
| Average total assets | $37,648,800 | 6,346 |
| Average earning assets | $36,383,600 | 6,277 |
| Average equity | $4,169,000 | 6,292 |
| Average total loans | $15,253,800 | 6,404 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,862 |
| Cost of funding earning assets | 0.4895% | 3,872 |
| Net interest margin | 4.1220% | 1,565 |
| Noninterest income to average assets | 0.6537% | 2,866 |
| Noninterest expense to average assets | 3.7693% | 1,124 |
| Loan and lease loss provision to assets | 0.5755% | 434 |
| Net operating income to assets | 0.2681% | 5,722 |
| Return on assets (ROA) | 0.3837% | 5,449 |
| Pretax return on assets | 0.4121% | 5,595 |
| Return on Equity (ROE) | 3.4695% | 5,449 |
| Retained earnings to average equity (ytd only) | 3.4695% | 4,219 |
| Net charge-offs to loans | 2.4436% | 130 |
| Credit loss provision to net charge-offs | 57.6512% | 3,345 |
| Earnings coverage of net charge-offs (x) | 0.8648% | 4,566 |
| Efficiency ratio | 81.3650% | 1,920 |
| Assets per employee ($millions) | 2.4949% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,560 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,485 |
| Noncurrent loans to loans | 0.0201% | 6,292 |
| Net loans and leases to total assets | 39.3731% | 6,081 |
| Net loans and leases to deposits | 52.5668% | 5,668 |
| Net loans and leases to core deposits | 59.2886% | 5,351 |
| Total domestic deposits to total assets | 74.9011% | 6,289 |
| Equity capital to assets | 11.1853% | 2,578 |
| Core capital (leverage) ratio | 11.0855% | 2,394 |
| Tier 1 risk-based capital ratio | 21.0580% | 1,484 |
| Total risk-based capital ratio | 22.0184% | 1,513 |
| Memoranda: | ||
| Average total assets | $37,530,000 | 6,419 |
| Average earning assets | $36,227,500 | 6,349 |
| Average equity | $4,150,500 | 6,363 |
| Average total loans | $15,332,250 | 6,467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,563 |
| Cost of funding earning assets | 0.4968% | 3,931 |
| Net interest margin | 4.2061% | 1,261 |
| Noninterest income to average assets | 0.6602% | 2,854 |
| Noninterest expense to average assets | 3.8546% | 1,032 |
| Loan and lease loss provision to assets | 0.5856% | 436 |
| Net operating income to assets | 0.2580% | 5,751 |
| Return on assets (ROA) | 0.4312% | 5,259 |
| Pretax return on assets | 0.4632% | 5,484 |
| Return on Equity (ROE) | 3.9143% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,804 |
| Net charge-offs to loans | 2.8962% | 107 |
| Credit loss provision to net charge-offs | 49.1071% | 3,232 |
| Earnings coverage of net charge-offs (x) | 0.7232% | 4,280 |
| Efficiency ratio | 81.7156% | 1,926 |
| Assets per employee ($millions) | 2.4797% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,635 |
| Loan loss allowance to noncurrent loans | 2,412.5000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,475 |
| Noncurrent loans to loans | 0.0527% | 6,234 |
| Net loans and leases to total assets | 40.2796% | 6,021 |
| Net loans and leases to deposits | 53.7220% | 5,542 |
| Net loans and leases to core deposits | 60.6240% | 5,212 |
| Total domestic deposits to total assets | 74.9778% | 6,363 |
| Equity capital to assets | 11.0956% | 2,663 |
| Core capital (leverage) ratio | 11.0741% | 2,288 |
| Tier 1 risk-based capital ratio | 20.9995% | 1,491 |
| Total risk-based capital ratio | 21.9837% | 1,530 |
| Memoranda: | ||
| Average total assets | $37,565,330 | 6,466 |
| Average earning assets | $36,233,330 | 6,393 |
| Average equity | $4,138,670 | 6,419 |
| Average total loans | $15,468,330 | 6,499 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,761 |
| Cost of funding earning assets | 0.5162% | 3,914 |
| Net interest margin | 4.1080% | 1,434 |
| Noninterest income to average assets | 0.6569% | 2,838 |
| Noninterest expense to average assets | 3.9205% | 975 |
| Loan and lease loss provision to assets | 0.6146% | 411 |
| Net operating income to assets | 0.0801% | 6,184 |
| Return on assets (ROA) | 0.3391% | 5,542 |
| Pretax return on assets | 0.3603% | 5,680 |
| Return on Equity (ROE) | 3.0884% | 5,555 |
| Retained earnings to average equity (ytd only) | 3.0884% | 4,429 |
| Net charge-offs to loans | 1.6138% | 320 |
| Credit loss provision to net charge-offs | 92.0635% | 1,986 |
| Earnings coverage of net charge-offs (x) | 1.0476% | 3,489 |
| Efficiency ratio | 84.8624% | 1,655 |
| Assets per employee ($millions) | 2.3535% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 2,225 |
| Loan loss allowance to noncurrent loans | 160.3175% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 5,127 |
| Noncurrent loans to loans | 1.2028% | 3,762 |
| Net loans and leases to total assets | 40.9231% | 5,927 |
| Net loans and leases to deposits | 54.4369% | 5,401 |
| Net loans and leases to core deposits | 61.3041% | 5,015 |
| Total domestic deposits to total assets | 75.1753% | 6,439 |
| Equity capital to assets | 11.0341% | 2,922 |
| Core capital (leverage) ratio | 10.8281% | 2,426 |
| Tier 1 risk-based capital ratio | 20.8776% | 1,565 |
| Total risk-based capital ratio | 22.1298% | 1,538 |
| Memoranda: | ||
| Average total assets | $37,750,500 | 6,529 |
| Average earning assets | $36,417,000 | 6,450 |
| Average equity | $4,144,500 | 6,481 |
| Average total loans | $15,615,000 | 6,550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 2,244 |
| Cost of funding earning assets | 0.6529% | 3,891 |
| Net interest margin | 4.1351% | 1,870 |
| Noninterest income to average assets | 0.7938% | 2,289 |
| Noninterest expense to average assets | 3.8146% | 1,230 |
| Loan and lease loss provision to assets | 0.3356% | 2,002 |
| Net operating income to assets | 0.6077% | 4,200 |
| Return on assets (ROA) | 0.6153% | 4,429 |
| Pretax return on assets | 0.6500% | 4,829 |
| Return on Equity (ROE) | 5.8514% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.8514% | 2,160 |
| Net charge-offs to loans | 0.5762% | 2,000 |
| Credit loss provision to net charge-offs | 144.8276% | 1,888 |
| Earnings coverage of net charge-offs (x) | 4.2184% | 3,439 |
| Efficiency ratio | 79.5998% | 2,196 |
| Assets per employee ($millions) | 2.2262% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 2,053 |
| Loan loss allowance to noncurrent loans | 173.0337% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 5,297 |
| Noncurrent loans to loans | 1.1471% | 3,932 |
| Net loans and leases to total assets | 40.1876% | 6,156 |
| Net loans and leases to deposits | 53.4380% | 5,702 |
| Net loans and leases to core deposits | 61.4058% | 5,218 |
| Total domestic deposits to total assets | 75.2041% | 6,429 |
| Equity capital to assets | 10.9235% | 3,043 |
| Core capital (leverage) ratio | 10.6554% | 2,587 |
| Tier 1 risk-based capital ratio | 21.0400% | 1,451 |
| Total risk-based capital ratio | 22.2955% | 1,424 |
| Memoranda: | ||
| Average total assets | $37,540,400 | 6,568 |
| Average earning assets | $36,298,600 | 6,491 |
| Average equity | $3,947,800 | 6,577 |
| Average total loans | $15,098,800 | 6,652 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 2,440 |
| Cost of funding earning assets | 0.6768% | 3,964 |
| Net interest margin | 4.1089% | 2,058 |
| Noninterest income to average assets | 0.7758% | 2,350 |
| Noninterest expense to average assets | 3.8151% | 1,182 |
| Loan and lease loss provision to assets | 0.3310% | 1,981 |
| Net operating income to assets | 0.5658% | 4,542 |
| Return on assets (ROA) | 0.5658% | 4,811 |
| Pretax return on assets | 0.6050% | 5,151 |
| Return on Equity (ROE) | 5.4339% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.4339% | 3,078 |
| Net charge-offs to loans | 0.5513% | 1,955 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.2422% | 3,365 |
| Efficiency ratio | 80.2996% | 2,049 |
| Assets per employee ($millions) | 2.5448% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 2,398 |
| Loan loss allowance to noncurrent loans | 1,578.9474% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,629 |
| Noncurrent loans to loans | 0.1220% | 6,304 |
| Net loans and leases to total assets | 40.0031% | 6,282 |
| Net loans and leases to deposits | 52.7881% | 5,908 |
| Net loans and leases to core deposits | 60.6049% | 5,498 |
| Total domestic deposits to total assets | 75.7807% | 6,413 |
| Equity capital to assets | 10.5496% | 3,781 |
| Core capital (leverage) ratio | 10.3656% | 3,085 |
| Tier 1 risk-based capital ratio | 20.7689% | 1,582 |
| Total risk-based capital ratio | 22.0206% | 1,546 |
| Memoranda: | ||
| Average total assets | $37,464,250 | 6,651 |
| Average earning assets | $36,246,000 | 6,576 |
| Average equity | $3,901,250 | 6,669 |
| Average total loans | $14,994,250 | 6,744 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 2,471 |
| Cost of funding earning assets | 0.6830% | 4,158 |
| Net interest margin | 4.1259% | 1,987 |
| Noninterest income to average assets | 0.7521% | 2,407 |
| Noninterest expense to average assets | 3.7928% | 1,227 |
| Loan and lease loss provision to assets | 0.3385% | 1,948 |
| Net operating income to assets | 0.5748% | 4,473 |
| Return on assets (ROA) | 0.5748% | 4,747 |
| Pretax return on assets | 0.6124% | 5,093 |
| Return on Equity (ROE) | 5.5450% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.5450% | 2,965 |
| Net charge-offs to loans | 0.4053% | 2,405 |
| Credit loss provision to net charge-offs | 210.0000% | 1,341 |
| Earnings coverage of net charge-offs (x) | 5.9000% | 2,736 |
| Efficiency ratio | 79.9547% | 2,187 |
| Assets per employee ($millions) | 2.5992% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 2,446 |
| Loan loss allowance to noncurrent loans | 150.2488% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 5,470 |
| Noncurrent loans to loans | 1.2839% | 3,995 |
| Net loans and leases to total assets | 39.3813% | 6,379 |
| Net loans and leases to deposits | 51.2637% | 6,080 |
| Net loans and leases to core deposits | 58.8411% | 5,705 |
| Total domestic deposits to total assets | 76.8211% | 6,355 |
| Equity capital to assets | 10.0877% | 4,206 |
| Core capital (leverage) ratio | 9.9987% | 3,421 |
| Tier 1 risk-based capital ratio | 19.8431% | 1,741 |
| Total risk-based capital ratio | 21.0961% | 1,709 |
| Memoranda: | ||
| Average total assets | $37,228,330 | 6,703 |
| Average earning assets | $36,016,330 | 6,623 |
| Average equity | $3,859,330 | 6,722 |
| Average total loans | $14,802,330 | 6,809 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 2,429 |
| Cost of funding earning assets | 0.6819% | 4,443 |
| Net interest margin | 4.1711% | 1,849 |
| Noninterest income to average assets | 0.7043% | 2,642 |
| Noninterest expense to average assets | 3.7636% | 1,270 |
| Loan and lease loss provision to assets | 0.3301% | 1,896 |
| Net operating income to assets | 0.6053% | 4,324 |
| Return on assets (ROA) | 0.6053% | 4,538 |
| Pretax return on assets | 0.6493% | 4,941 |
| Return on Equity (ROE) | 5.7554% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.7554% | 3,107 |
| Net charge-offs to loans | 0.4452% | 1,978 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 2,340 |
| Efficiency ratio | 79.3503% | 2,295 |
| Assets per employee ($millions) | 2.5709% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,575 |
| Loan loss allowance to noncurrent loans | 66.1215% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 4,276 |
| Noncurrent loans to loans | 2.9243% | 2,217 |
| Net loans and leases to total assets | 37.2186% | 6,545 |
| Net loans and leases to deposits | 48.5259% | 6,260 |
| Net loans and leases to core deposits | 55.0598% | 5,981 |
| Total domestic deposits to total assets | 76.6985% | 6,455 |
| Equity capital to assets | 10.0612% | 4,053 |
| Core capital (leverage) ratio | 9.9704% | 3,394 |
| Tier 1 risk-based capital ratio | 20.6188% | 1,561 |
| Total risk-based capital ratio | 21.8737% | 1,536 |
| Memoranda: | ||
| Average total assets | $36,348,500 | 6,787 |
| Average earning assets | $35,194,500 | 6,701 |
| Average equity | $3,822,500 | 6,771 |
| Average total loans | $14,375,500 | 6,887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 3,386 |
| Cost of funding earning assets | 0.7268% | 5,360 |
| Net interest margin | 4.1676% | 2,169 |
| Noninterest income to average assets | 0.5065% | 3,803 |
| Noninterest expense to average assets | 3.7290% | 1,480 |
| Loan and lease loss provision to assets | 0.4759% | 2,225 |
| Net operating income to assets | 0.3033% | 5,236 |
| Return on assets (ROA) | 0.3033% | 5,393 |
| Pretax return on assets | 0.3228% | 5,499 |
| Return on Equity (ROE) | 2.9323% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.9323% | 4,150 |
| Net charge-offs to loans | 0.9777% | 1,767 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 2.1579% | 4,170 |
| Efficiency ratio | 82.3602% | 1,970 |
| Assets per employee ($millions) | 2.2755% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 2,914 |
| Loan loss allowance to noncurrent loans | 125.3731% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 5,497 |
| Noncurrent loans to loans | 1.4240% | 4,028 |
| Net loans and leases to total assets | 40.6147% | 6,503 |
| Net loans and leases to deposits | 47.3706% | 6,540 |
| Net loans and leases to core deposits | 50.3761% | 6,512 |
| Total domestic deposits to total assets | 85.7381% | 3,465 |
| Equity capital to assets | 11.0304% | 2,952 |
| Core capital (leverage) ratio | 11.1319% | 2,169 |
| Tier 1 risk-based capital ratio | 23.3088% | 1,066 |
| Total risk-based capital ratio | 24.5650% | 1,043 |
| Memoranda: | ||
| Average total assets | $35,935,000 | 6,799 |
| Average earning assets | $34,672,200 | 6,724 |
| Average equity | $3,717,200 | 6,823 |
| Average total loans | $13,604,000 | 6,963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8177% | 3,952 |
| Cost of funding earning assets | 0.7523% | 5,460 |
| Net interest margin | 4.0655% | 2,620 |
| Noninterest income to average assets | 0.4287% | 4,448 |
| Noninterest expense to average assets | 3.6021% | 1,705 |
| Loan and lease loss provision to assets | 0.4434% | 2,259 |
| Net operating income to assets | 0.2821% | 5,462 |
| Return on assets (ROA) | 0.2821% | 5,624 |
| Pretax return on assets | 0.3041% | 5,696 |
| Return on Equity (ROE) | 2.7707% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.7707% | 4,708 |
| Net charge-offs to loans | 1.0883% | 1,462 |
| Credit loss provision to net charge-offs | 110.0000% | 3,001 |
| Earnings coverage of net charge-offs (x) | 1.8546% | 4,277 |
| Efficiency ratio | 82.8138% | 1,867 |
| Assets per employee ($millions) | 2.3810% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 3,510 |
| Loan loss allowance to noncurrent loans | 814.2857% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 6,861 |
| Noncurrent loans to loans | 0.2007% | 6,471 |
| Net loans and leases to total assets | 38.4264% | 6,747 |
| Net loans and leases to deposits | 45.8951% | 6,743 |
| Net loans and leases to core deposits | 48.8503% | 6,720 |
| Total domestic deposits to total assets | 83.7267% | 4,359 |
| Equity capital to assets | 10.4634% | 3,754 |
| Core capital (leverage) ratio | 10.5460% | 2,815 |
| Tier 1 risk-based capital ratio | 23.7167% | 1,046 |
| Total risk-based capital ratio | 24.9685% | 1,031 |
| Memoranda: | ||
| Average total assets | $36,385,500 | 6,846 |
| Average earning assets | $35,091,500 | 6,771 |
| Average equity | $3,705,250 | 6,883 |
| Average total loans | $13,476,250 | 7,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 4,509 |
| Cost of funding earning assets | 0.7739% | 5,542 |
| Net interest margin | 3.9314% | 3,165 |
| Noninterest income to average assets | 0.3824% | 4,823 |
| Noninterest expense to average assets | 3.5784% | 1,792 |
| Loan and lease loss provision to assets | 0.4480% | 2,185 |
| Net operating income to assets | 0.1475% | 5,890 |
| Return on assets (ROA) | 0.1475% | 5,983 |
| Pretax return on assets | 0.1584% | 6,004 |
| Return on Equity (ROE) | 1.4616% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.4616% | 5,255 |
| Net charge-offs to loans | 1.1564% | 1,347 |
| Credit loss provision to net charge-offs | 106.4935% | 2,894 |
| Earnings coverage of net charge-offs (x) | 1.4416% | 4,208 |
| Efficiency ratio | 85.5091% | 1,650 |
| Assets per employee ($millions) | 2.8095% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,775 |
| Loan loss allowance to noncurrent loans | 389.7436% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 6,828 |
| Noncurrent loans to loans | 0.2939% | 6,326 |
| Net loans and leases to total assets | 35.9161% | 6,964 |
| Net loans and leases to deposits | 41.3048% | 7,022 |
| Net loans and leases to core deposits | 43.7383% | 7,015 |
| Total domestic deposits to total assets | 86.9538% | 2,766 |
| Equity capital to assets | 10.1659% | 3,926 |
| Core capital (leverage) ratio | 10.1807% | 3,052 |
| Tier 1 risk-based capital ratio | 24.3008% | 973 |
| Total risk-based capital ratio | 25.2940% | 985 |
| Memoranda: | ||
| Average total assets | $36,609,000 | 6,898 |
| Average earning assets | $35,407,330 | 6,823 |
| Average equity | $3,694,670 | 6,930 |
| Average total loans | $13,317,670 | 7,116 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 4,598 |
| Cost of funding earning assets | 0.8350% | 5,365 |
| Net interest margin | 3.8477% | 3,382 |
| Noninterest income to average assets | 0.3711% | 4,940 |
| Noninterest expense to average assets | 3.7106% | 1,511 |
| Loan and lease loss provision to assets | 0.3820% | 2,272 |
| Net operating income to assets | 0.0000% | 6,348 |
| Return on assets (ROA) | 0.0000% | 6,378 |
| Pretax return on assets | 0.0000% | 6,352 |
| Return on Equity (ROE) | 0.0000% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 0.9294% | 1,436 |
| Credit loss provision to net charge-offs | 112.9032% | 2,378 |
| Earnings coverage of net charge-offs (x) | 1.1290% | 3,818 |
| Efficiency ratio | 90.6667% | 1,272 |
| Assets per employee ($millions) | 2.9808% | 6,176 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,818 |
| Loan loss allowance to noncurrent loans | 42.2969% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 4,907 |
| Noncurrent loans to loans | 2.7331% | 2,765 |
| Net loans and leases to total assets | 36.0955% | 6,995 |
| Net loans and leases to deposits | 40.2814% | 7,086 |
| Net loans and leases to core deposits | 42.6218% | 7,089 |
| Total domestic deposits to total assets | 89.6083% | 1,422 |
| Equity capital to assets | 10.3050% | 3,404 |
| Core capital (leverage) ratio | 10.3201% | 2,783 |
| Tier 1 risk-based capital ratio | 24.5528% | 923 |
| Total risk-based capital ratio | 25.5570% | 931 |
| Memoranda: | ||
| Average total assets | $36,651,500 | 6,942 |
| Average earning assets | $35,449,500 | 6,863 |
| Average equity | $3,685,500 | 6,961 |
| Average total loans | $13,341,500 | 7,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 4,543 |
| Cost of funding earning assets | 1.2820% | 4,005 |
| Net interest margin | 3.7208% | 4,265 |
| Noninterest income to average assets | 0.5663% | 3,702 |
| Noninterest expense to average assets | 3.5429% | 2,065 |
| Loan and lease loss provision to assets | 0.4689% | 3,323 |
| Net operating income to assets | 0.1501% | 5,440 |
| Return on assets (ROA) | 0.1501% | 5,598 |
| Pretax return on assets | 0.1554% | 5,584 |
| Return on Equity (ROE) | 1.5696% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.5696% | 4,745 |
| Net charge-offs to loans | 1.4362% | 1,541 |
| Credit loss provision to net charge-offs | 85.5769% | 5,315 |
| Earnings coverage of net charge-offs (x) | 1.1394% | 4,966 |
| Efficiency ratio | 85.0190% | 1,795 |
| Assets per employee ($millions) | 3.1278% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 6,064 |
| Loan loss allowance to noncurrent loans | 94.1935% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 6,237 |
| Noncurrent loans to loans | 1.1379% | 4,839 |
| Net loans and leases to total assets | 35.9008% | 7,160 |
| Net loans and leases to deposits | 39.8893% | 7,255 |
| Net loans and leases to core deposits | 41.6512% | 7,268 |
| Total domestic deposits to total assets | 90.0011% | 1,101 |
| Equity capital to assets | 9.8178% | 3,979 |
| Core capital (leverage) ratio | 9.8346% | 3,281 |
| Tier 1 risk-based capital ratio | 23.7397% | 956 |
| Total risk-based capital ratio | 24.6785% | 968 |
| Memoranda: | ||
| Average total assets | $37,962,800 | 6,938 |
| Average earning assets | $36,739,400 | 6,851 |
| Average equity | $3,631,600 | 7,099 |
| Average total loans | $14,482,800 | 7,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 4,362 |
| Cost of funding earning assets | 1.3374% | 3,995 |
| Net interest margin | 3.7555% | 4,163 |
| Noninterest income to average assets | 0.5043% | 4,146 |
| Noninterest expense to average assets | 3.5198% | 1,992 |
| Loan and lease loss provision to assets | 0.5604% | 2,704 |
| Net operating income to assets | 0.0595% | 5,864 |
| Return on assets (ROA) | 0.0595% | 6,000 |
| Pretax return on assets | 0.0630% | 5,981 |
| Return on Equity (ROE) | 0.6265% | 5,983 |
| Retained earnings to average equity (ytd only) | 0.6265% | 5,549 |
| Net charge-offs to loans | 1.6782% | 1,176 |
| Credit loss provision to net charge-offs | 86.4865% | 4,904 |
| Earnings coverage of net charge-offs (x) | 0.9622% | 5,101 |
| Efficiency ratio | 84.9535% | 1,736 |
| Assets per employee ($millions) | 3.1680% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,991 |
| Loan loss allowance to noncurrent loans | 968.7500% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,245 |
| Noncurrent loans to loans | 0.1123% | 6,960 |
| Net loans and leases to total assets | 37.0633% | 7,223 |
| Net loans and leases to deposits | 41.0644% | 7,340 |
| Net loans and leases to core deposits | 43.1983% | 7,349 |
| Total domestic deposits to total assets | 90.2567% | 746 |
| Equity capital to assets | 9.5881% | 4,716 |
| Core capital (leverage) ratio | 9.6047% | 3,760 |
| Tier 1 risk-based capital ratio | 22.8279% | 1,092 |
| Total risk-based capital ratio | 23.7967% | 1,098 |
| Memoranda: | ||
| Average total assets | $38,070,000 | 7,016 |
| Average earning assets | $36,887,000 | 6,924 |
| Average equity | $3,618,250 | 7,194 |
| Average total loans | $14,698,250 | 7,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 3,962 |
| Cost of funding earning assets | 1.3717% | 4,048 |
| Net interest margin | 3.8278% | 3,775 |
| Noninterest income to average assets | 0.5198% | 3,955 |
| Noninterest expense to average assets | 3.6599% | 1,648 |
| Loan and lease loss provision to assets | 0.6826% | 2,120 |
| Net operating income to assets | -0.1050% | 6,240 |
| Return on assets (ROA) | -0.1050% | 6,311 |
| Pretax return on assets | -0.1155% | 6,263 |
| Return on Equity (ROE) | -1.1082% | 6,331 |
| Retained earnings to average equity (ytd only) | -1.1082% | 5,993 |
| Net charge-offs to loans | 2.1415% | 839 |
| Credit loss provision to net charge-offs | 81.7610% | 4,659 |
| Earnings coverage of net charge-offs (x) | 0.6792% | 5,067 |
| Efficiency ratio | 86.5839% | 1,645 |
| Assets per employee ($millions) | 2.9242% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 6,506 |
| Loan loss allowance to noncurrent loans | 207.3529% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 6,941 |
| Noncurrent loans to loans | 0.4698% | 6,312 |
| Net loans and leases to total assets | 37.7072% | 7,281 |
| Net loans and leases to deposits | 41.7365% | 7,402 |
| Net loans and leases to core deposits | 41.7365% | 7,457 |
| Total domestic deposits to total assets | 90.3457% | 747 |
| Equity capital to assets | 9.4912% | 4,713 |
| Core capital (leverage) ratio | 9.5055% | 3,815 |
| Tier 1 risk-based capital ratio | 22.3100% | 1,157 |
| Total risk-based capital ratio | 23.1804% | 1,191 |
| Memoranda: | ||
| Average total assets | $38,088,000 | 7,072 |
| Average earning assets | $36,887,670 | 6,973 |
| Average equity | $3,609,330 | 7,235 |
| Average total loans | $14,849,330 | 7,319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 3,834 |
| Cost of funding earning assets | 1.4289% | 3,997 |
| Net interest margin | 3.8105% | 3,755 |
| Noninterest income to average assets | 0.4721% | 4,277 |
| Noninterest expense to average assets | 3.7141% | 1,493 |
| Loan and lease loss provision to assets | 1.0492% | 1,176 |
| Net operating income to assets | -0.5561% | 6,866 |
| Return on assets (ROA) | -0.5561% | 6,899 |
| Pretax return on assets | -0.5980% | 6,844 |
| Return on Equity (ROE) | -5.8726% | 6,932 |
| Retained earnings to average equity (ytd only) | -5.8726% | 6,652 |
| Net charge-offs to loans | 3.4849% | 410 |
| Credit loss provision to net charge-offs | 76.3359% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.3282% | 4,750 |
| Efficiency ratio | 89.1688% | 1,493 |
| Assets per employee ($millions) | 2.7332% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,990 |
| Loan loss allowance to noncurrent loans | 98.4375% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 6,644 |
| Noncurrent loans to loans | 0.8647% | 5,592 |
| Net loans and leases to total assets | 38.3536% | 7,333 |
| Net loans and leases to deposits | 42.3794% | 7,450 |
| Net loans and leases to core deposits | 44.2022% | 7,479 |
| Total domestic deposits to total assets | 90.5005% | 739 |
| Equity capital to assets | 9.3636% | 4,734 |
| Core capital (leverage) ratio | 9.3592% | 3,961 |
| Tier 1 risk-based capital ratio | 21.4290% | 1,281 |
| Total risk-based capital ratio | 22.1830% | 1,326 |
| Memoranda: | ||
| Average total assets | $38,125,000 | 7,152 |
| Average earning assets | $36,951,000 | 7,058 |
| Average equity | $3,610,000 | 7,311 |
| Average total loans | $15,036,500 | 7,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 3,319 |
| Cost of funding earning assets | 2.1647% | 2,167 |
| Net interest margin | 3.4920% | 4,995 |
| Noninterest income to average assets | 0.5513% | 4,012 |
| Noninterest expense to average assets | 3.2490% | 3,197 |
| Loan and lease loss provision to assets | 0.7257% | 2,939 |
| Net operating income to assets | -0.0154% | 5,518 |
| Return on assets (ROA) | -0.0154% | 5,566 |
| Pretax return on assets | -0.0231% | 5,482 |
| Return on Equity (ROE) | -0.1646% | 5,565 |
| Retained earnings to average equity (ytd only) | -0.1646% | 4,982 |
| Net charge-offs to loans | 1.5648% | 1,612 |
| Credit loss provision to net charge-offs | 125.7778% | 4,155 |
| Earnings coverage of net charge-offs (x) | 1.2178% | 4,910 |
| Efficiency ratio | 82.2193% | 2,573 |
| Assets per employee ($millions) | 2.5323% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 6,111 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 7,066 |
| Noncurrent loans to loans | 0.4125% | 6,452 |
| Net loans and leases to total assets | 39.7789% | 7,362 |
| Net loans and leases to deposits | 44.0705% | 7,513 |
| Net loans and leases to core deposits | 62.9925% | 7,153 |
| Total domestic deposits to total assets | 90.2619% | 855 |
| Equity capital to assets | 9.5748% | 4,311 |
| Core capital (leverage) ratio | 9.5684% | 3,640 |
| Tier 1 risk-based capital ratio | 21.5335% | 1,209 |
| Total risk-based capital ratio | 22.4876% | 1,227 |
| Memoranda: | ||
| Average total assets | $38,997,000 | 7,133 |
| Average earning assets | $37,973,000 | 7,015 |
| Average equity | $3,645,200 | 7,405 |
| Average total loans | $14,378,800 | 7,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7835% | 2,964 |
| Cost of funding earning assets | 2.2820% | 2,059 |
| Net interest margin | 3.5015% | 4,862 |
| Noninterest income to average assets | 0.5775% | 3,871 |
| Noninterest expense to average assets | 3.2543% | 3,109 |
| Loan and lease loss provision to assets | 0.6998% | 2,634 |
| Net operating income to assets | 0.0578% | 5,585 |
| Return on assets (ROA) | 0.0578% | 5,622 |
| Pretax return on assets | 0.0374% | 5,636 |
| Return on Equity (ROE) | 0.6216% | 5,609 |
| Retained earnings to average equity (ytd only) | 0.6216% | 4,938 |
| Net charge-offs to loans | 1.1773% | 1,723 |
| Credit loss provision to net charge-offs | 164.8000% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.7360% | 4,498 |
| Efficiency ratio | 81.5319% | 2,644 |
| Assets per employee ($millions) | 2.7597% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,686 |
| Loan loss allowance to noncurrent loans | 261.4286% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 7,077 |
| Noncurrent loans to loans | 0.4858% | 6,347 |
| Net loans and leases to total assets | 36.8180% | 7,590 |
| Net loans and leases to deposits | 40.7243% | 7,708 |
| Net loans and leases to core deposits | 59.5437% | 7,417 |
| Total domestic deposits to total assets | 90.4079% | 617 |
| Equity capital to assets | 9.4730% | 4,777 |
| Core capital (leverage) ratio | 9.4602% | 3,965 |
| Tier 1 risk-based capital ratio | 23.8263% | 1,015 |
| Total risk-based capital ratio | 25.0196% | 1,000 |
| Memoranda: | ||
| Average total assets | $39,250,000 | 7,189 |
| Average earning assets | $38,268,750 | 7,059 |
| Average equity | $3,647,250 | 7,462 |
| Average total loans | $14,155,750 | 7,562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9463% | 2,400 |
| Cost of funding earning assets | 2.3754% | 2,059 |
| Net interest margin | 3.5709% | 4,493 |
| Noninterest income to average assets | 0.5323% | 4,165 |
| Noninterest expense to average assets | 3.4014% | 2,624 |
| Loan and lease loss provision to assets | 0.6083% | 2,618 |
| Net operating income to assets | 0.0659% | 5,659 |
| Return on assets (ROA) | 0.0659% | 5,751 |
| Pretax return on assets | 0.0051% | 5,857 |
| Return on Equity (ROE) | 0.7137% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.7137% | 4,907 |
| Net charge-offs to loans | 1.3787% | 1,357 |
| Credit loss provision to net charge-offs | 123.7113% | 3,759 |
| Earnings coverage of net charge-offs (x) | 1.2474% | 4,598 |
| Efficiency ratio | 84.7222% | 2,391 |
| Assets per employee ($millions) | 2.5916% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.3578% | 7,729 |
| Net loans and leases to deposits | 39.1005% | 7,838 |
| Net loans and leases to core deposits | 56.8774% | 7,563 |
| Total domestic deposits to total assets | 90.4280% | 657 |
| Equity capital to assets | 9.3764% | 4,775 |
| Core capital (leverage) ratio | 9.3853% | 4,049 |
| Tier 1 risk-based capital ratio | 24.8012% | 962 |
| Total risk-based capital ratio | 25.6576% | 975 |
| Memoranda: | ||
| Average total assets | $39,454,670 | 7,234 |
| Average earning assets | $38,478,000 | 7,111 |
| Average equity | $3,643,000 | 7,527 |
| Average total loans | $14,071,670 | 7,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1214% | 1,861 |
| Cost of funding earning assets | 2.4568% | 2,083 |
| Net interest margin | 3.6646% | 4,040 |
| Noninterest income to average assets | 0.4931% | 4,384 |
| Noninterest expense to average assets | 3.3111% | 2,630 |
| Loan and lease loss provision to assets | 0.6038% | 2,090 |
| Net operating income to assets | 0.2617% | 5,428 |
| Return on assets (ROA) | 0.2617% | 5,596 |
| Pretax return on assets | 0.1510% | 6,046 |
| Return on Equity (ROE) | 2.8556% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.8556% | 4,282 |
| Net charge-offs to loans | 1.8911% | 762 |
| Credit loss provision to net charge-offs | 89.5522% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.1194% | 4,192 |
| Efficiency ratio | 81.4356% | 2,617 |
| Assets per employee ($millions) | 2.8236% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 7,503 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 6,761 |
| Noncurrent loans to loans | 0.7021% | 5,657 |
| Net loans and leases to total assets | 35.4263% | 7,753 |
| Net loans and leases to deposits | 39.0813% | 7,870 |
| Net loans and leases to core deposits | 57.7318% | 7,535 |
| Total domestic deposits to total assets | 90.6476% | 542 |
| Equity capital to assets | 9.2487% | 5,012 |
| Core capital (leverage) ratio | 9.2601% | 4,303 |
| Tier 1 risk-based capital ratio | 24.2804% | 1,048 |
| Total risk-based capital ratio | 24.9171% | 1,097 |
| Memoranda: | ||
| Average total assets | $39,745,000 | 7,264 |
| Average earning assets | $38,749,000 | 7,135 |
| Average equity | $3,642,000 | 7,578 |
| Average total loans | $14,172,000 | 7,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6132% | 2,424 |
| Cost of funding earning assets | 2.8462% | 2,493 |
| Net interest margin | 3.7670% | 4,147 |
| Noninterest income to average assets | 0.5104% | 4,539 |
| Noninterest expense to average assets | 3.2199% | 3,258 |
| Loan and lease loss provision to assets | 0.4698% | 2,950 |
| Net operating income to assets | 0.4469% | 4,962 |
| Return on assets (ROA) | 0.4469% | 4,786 |
| Pretax return on assets | 0.4774% | 5,046 |
| Return on Equity (ROE) | 4.4223% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.4223% | 2,374 |
| Net charge-offs to loans | 1.1236% | 1,078 |
| Credit loss provision to net charge-offs | 114.1975% | 4,729 |
| Earnings coverage of net charge-offs (x) | 2.3025% | 4,934 |
| Efficiency ratio | 77.2700% | 3,044 |
| Assets per employee ($millions) | 2.8543% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6529% | 7,541 |
| Loan loss allowance to noncurrent loans | 581.2500% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 7,433 |
| Noncurrent loans to loans | 0.1123% | 7,080 |
| Net loans and leases to total assets | 35.4129% | 7,853 |
| Net loans and leases to deposits | 39.1279% | 7,957 |
| Net loans and leases to core deposits | 64.7851% | 7,412 |
| Total domestic deposits to total assets | 90.5055% | 485 |
| Equity capital to assets | 9.0791% | 5,257 |
| Core capital (leverage) ratio | 9.0873% | 4,612 |
| Tier 1 risk-based capital ratio | 23.2195% | 1,166 |
| Total risk-based capital ratio | 23.8141% | 1,218 |
| Memoranda: | ||
| Average total assets | $39,379,600 | 7,243 |
| Average earning assets | $38,226,400 | 7,124 |
| Average equity | $3,979,800 | 7,517 |
| Average total loans | $14,418,400 | 7,685 |