| 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 | 4.3931% | 2,443 |
| Cost of funding earning assets | 0.2101% | 4,979 |
| Net interest margin | 4.1829% | 1,329 |
| Noninterest income to average assets | 1.0706% | 840 |
| Noninterest expense to average assets | 7.0832% | 109 |
| Loan and lease loss provision to assets | 0.3297% | 409 |
| Net operating income to assets | -2.4891% | 5,514 |
| Return on assets (ROA) | -2.4891% | 5,510 |
| Pretax return on assets | -2.4891% | 5,510 |
| Return on Equity (ROE) | -35.0263% | 5,526 |
| Retained earnings to average equity (ytd only) | -35.0263% | 5,521 |
| Net charge-offs to loans | 0.9229% | 146 |
| Credit loss provision to net charge-offs | 55.8974% | 2,457 |
| Earnings coverage of net charge-offs (x) | -3.6615% | 3,167 |
| Efficiency ratio | 143.8575% | 38 |
| Assets per employee ($millions) | 2.5331% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5939% | 5,111 |
| Loan loss allowance to noncurrent loans | 37.0803% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 1,444 |
| Noncurrent loans to loans | 1.6017% | 1,012 |
| Net loans and leases to total assets | 64.5496% | 3,336 |
| Net loans and leases to deposits | 69.1988% | 3,926 |
| Net loans and leases to core deposits | 70.0252% | 4,141 |
| Total domestic deposits to total assets | 93.2813% | 26 |
| Equity capital to assets | 6.1660% | 5,502 |
| Core capital (leverage) ratio | 6.7740% | 5,493 |
| Tier 1 risk-based capital ratio | 11.3459% | 4,873 |
| Total risk-based capital ratio | 11.9842% | 5,075 |
| Memoranda: |
| Average total assets | $66,128,670 | 4,755 |
| Average earning assets | $60,914,000 | 4,752 |
| Average equity | $4,699,330 | 5,213 |
| Average total loans | $42,256,330 | 4,578 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3193% | 2,452 |
| Cost of funding earning assets | 0.2163% | 4,920 |
| Net interest margin | 4.1030% | 1,432 |
| Noninterest income to average assets | 1.0564% | 821 |
| Noninterest expense to average assets | 4.4490% | 307 |
| Loan and lease loss provision to assets | 0.1328% | 1,422 |
| Net operating income to assets | 0.2535% | 5,173 |
| Return on assets (ROA) | 0.2535% | 5,173 |
| Pretax return on assets | 0.2535% | 5,212 |
| Return on Equity (ROE) | 3.3476% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.3476% | 3,871 |
| Net charge-offs to loans | -0.1714% | 5,346 |
| Credit loss provision to net charge-offs | -122.2222% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0100% | 364 |
| Assets per employee ($millions) | 2.5491% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8980% | 4,460 |
| Loan loss allowance to noncurrent loans | 32.6460% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 708 |
| Noncurrent loans to loans | 2.7508% | 460 |
| Net loans and leases to total assets | 63.2723% | 3,401 |
| Net loans and leases to deposits | 69.9080% | 3,791 |
| Net loans and leases to core deposits | 70.7632% | 4,043 |
| Total domestic deposits to total assets | 90.5080% | 473 |
| Equity capital to assets | 7.5049% | 5,416 |
| Core capital (leverage) ratio | 7.6160% | 5,484 |
| Tier 1 risk-based capital ratio | 13.7903% | 3,503 |
| Total risk-based capital ratio | 14.7643% | 3,557 |
| Memoranda: |
| Average total assets | $66,262,500 | 4,807 |
| Average earning assets | $61,028,000 | 4,805 |
| Average equity | $5,018,500 | 5,216 |
| Average total loans | $42,001,000 | 4,633 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2465% | 2,513 |
| Cost of funding earning assets | 0.2195% | 4,796 |
| Net interest margin | 4.0270% | 1,667 |
| Noninterest income to average assets | 1.0195% | 980 |
| Noninterest expense to average assets | 4.4131% | 339 |
| Loan and lease loss provision to assets | -0.1138% | 5,491 |
| Net operating income to assets | 0.3537% | 4,820 |
| Return on assets (ROA) | 0.3550% | 4,839 |
| Pretax return on assets | 0.4233% | 5,056 |
| Return on Equity (ROE) | 4.5580% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.6036% | 3,102 |
| Net charge-offs to loans | 0.0252% | 3,302 |
| Credit loss provision to net charge-offs | -750.0000% | 5,017 |
| Earnings coverage of net charge-offs (x) | 20.3000% | 1,972 |
| Efficiency ratio | 93.4769% | 310 |
| Assets per employee ($millions) | 2.3690% | 5,501 |
| Cash dividends to net income (ytd only)* | 20.9402% | 3,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6141% | 5,216 |
| Loan loss allowance to noncurrent loans | 50.7937% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 2,055 |
| Noncurrent loans to loans | 1.2090% | 1,467 |
| Net loans and leases to total assets | 62.4600% | 3,560 |
| Net loans and leases to deposits | 69.2849% | 3,929 |
| Net loans and leases to core deposits | 70.1317% | 4,168 |
| Total domestic deposits to total assets | 90.1496% | 516 |
| Equity capital to assets | 7.7595% | 5,470 |
| Core capital (leverage) ratio | 8.2329% | 5,332 |
| Tier 1 risk-based capital ratio | 13.9022% | 3,417 |
| Total risk-based capital ratio | 14.5586% | 3,648 |
| Memoranda: |
| Average total assets | $65,916,800 | 4,851 |
| Average earning assets | $60,590,800 | 4,841 |
| Average equity | $5,133,800 | 5,251 |
| Average total loans | $39,694,000 | 4,738 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2033% | 2,606 |
| Cost of funding earning assets | 0.2205% | 4,807 |
| Net interest margin | 3.9828% | 1,772 |
| Noninterest income to average assets | 1.0514% | 926 |
| Noninterest expense to average assets | 4.3860% | 345 |
| Loan and lease loss provision to assets | -0.2269% | 5,669 |
| Net operating income to assets | 0.5510% | 4,570 |
| Return on assets (ROA) | 0.5510% | 4,606 |
| Pretax return on assets | 0.5510% | 4,929 |
| Return on Equity (ROE) | 7.0687% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.4450% | 1,989 |
| Net charge-offs to loans | -0.2449% | 5,577 |
| Credit loss provision to net charge-offs | 155.5556% | 1,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1183% | 313 |
| Assets per employee ($millions) | 2.5282% | 5,514 |
| Cash dividends to net income (ytd only)* | 8.8237% | 3,516 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7506% | 5,019 |
| Loan loss allowance to noncurrent loans | 36.6180% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,303 |
| Noncurrent loans to loans | 2.0497% | 828 |
| Net loans and leases to total assets | 58.3086% | 4,029 |
| Net loans and leases to deposits | 64.6598% | 4,343 |
| Net loans and leases to core deposits | 65.4541% | 4,519 |
| Total domestic deposits to total assets | 90.1774% | 410 |
| Equity capital to assets | 7.7629% | 5,584 |
| Core capital (leverage) ratio | 8.1391% | 5,452 |
| Tier 1 risk-based capital ratio | 13.9932% | 3,443 |
| Total risk-based capital ratio | 14.7675% | 3,604 |
| Memoranda: |
| Average total assets | $65,813,000 | 4,900 |
| Average earning assets | $60,458,250 | 4,899 |
| Average equity | $5,130,500 | 5,308 |
| Average total loans | $39,195,750 | 4,803 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2279% | 2,366 |
| Cost of funding earning assets | 0.2246% | 4,761 |
| Net interest margin | 4.0032% | 1,595 |
| Noninterest income to average assets | 1.0524% | 917 |
| Noninterest expense to average assets | 4.4556% | 334 |
| Loan and lease loss provision to assets | -0.3539% | 5,743 |
| Net operating income to assets | 0.6246% | 4,185 |
| Return on assets (ROA) | 0.6246% | 4,235 |
| Pretax return on assets | 0.6246% | 4,750 |
| Return on Equity (ROE) | 8.0011% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.0011% | 1,166 |
| Net charge-offs to loans | -0.3908% | 5,674 |
| Credit loss provision to net charge-offs | 151.3158% | 1,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2708% | 303 |
| Assets per employee ($millions) | 2.2904% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7642% | 5,038 |
| Loan loss allowance to noncurrent loans | 36.8293% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 1,294 |
| Noncurrent loans to loans | 2.0751% | 800 |
| Net loans and leases to total assets | 59.0368% | 3,918 |
| Net loans and leases to deposits | 65.6510% | 4,245 |
| Net loans and leases to core deposits | 66.4791% | 4,440 |
| Total domestic deposits to total assets | 89.9252% | 561 |
| Equity capital to assets | 7.9777% | 5,544 |
| Core capital (leverage) ratio | 8.2777% | 5,368 |
| Tier 1 risk-based capital ratio | 14.1754% | 3,326 |
| Total risk-based capital ratio | 14.9689% | 3,495 |
| Memoranda: |
| Average total assets | $64,997,000 | 4,950 |
| Average earning assets | $59,651,670 | 4,959 |
| Average equity | $5,074,330 | 5,351 |
| Average total loans | $38,893,330 | 4,850 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1450% | 2,493 |
| Cost of funding earning assets | 0.2239% | 4,767 |
| Net interest margin | 3.9211% | 1,702 |
| Noninterest income to average assets | 1.0267% | 954 |
| Noninterest expense to average assets | 4.5050% | 335 |
| Loan and lease loss provision to assets | 0.0311% | 3,158 |
| Net operating income to assets | 0.0871% | 5,534 |
| Return on assets (ROA) | 0.0871% | 5,539 |
| Pretax return on assets | 0.0871% | 5,531 |
| Return on Equity (ROE) | 1.1286% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.1286% | 4,609 |
| Net charge-offs to loans | 0.0829% | 1,515 |
| Credit loss provision to net charge-offs | 62.5000% | 1,889 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 2,599 |
| Efficiency ratio | 97.4428% | 282 |
| Assets per employee ($millions) | 2.2676% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8732% | 4,852 |
| Loan loss allowance to noncurrent loans | 44.7682% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 1,380 |
| Noncurrent loans to loans | 1.9506% | 923 |
| Net loans and leases to total assets | 60.4278% | 3,741 |
| Net loans and leases to deposits | 67.1145% | 4,080 |
| Net loans and leases to core deposits | 67.9994% | 4,299 |
| Total domestic deposits to total assets | 90.0369% | 643 |
| Equity capital to assets | 7.8716% | 5,579 |
| Core capital (leverage) ratio | 7.8715% | 5,602 |
| Tier 1 risk-based capital ratio | 13.9758% | 3,494 |
| Total risk-based capital ratio | 14.8832% | 3,607 |
| Memoranda: |
| Average total assets | $64,284,000 | 5,026 |
| Average earning assets | $58,963,000 | 5,028 |
| Average equity | $4,962,000 | 5,424 |
| Average total loans | $38,582,000 | 4,901 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2734% | 2,239 |
| Cost of funding earning assets | 0.2223% | 4,811 |
| Net interest margin | 4.0511% | 1,492 |
| Noninterest income to average assets | 0.9828% | 1,192 |
| Noninterest expense to average assets | 4.4134% | 410 |
| Loan and lease loss provision to assets | 0.5652% | 233 |
| Net operating income to assets | -0.2763% | 5,735 |
| Return on assets (ROA) | -0.0958% | 5,695 |
| Pretax return on assets | -0.0958% | 5,692 |
| Return on Equity (ROE) | -1.1572% | 5,712 |
| Retained earnings to average equity (ytd only) | -1.1572% | 5,461 |
| Net charge-offs to loans | 0.9285% | 202 |
| Credit loss provision to net charge-offs | 101.6949% | 2,529 |
| Earnings coverage of net charge-offs (x) | 0.5198% | 4,095 |
| Efficiency ratio | 93.8564% | 383 |
| Assets per employee ($millions) | 2.3241% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8867% | 4,829 |
| Loan loss allowance to noncurrent loans | 53.7855% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 1,830 |
| Noncurrent loans to loans | 1.6486% | 1,178 |
| Net loans and leases to total assets | 58.5749% | 4,015 |
| Net loans and leases to deposits | 64.8182% | 4,345 |
| Net loans and leases to core deposits | 65.6465% | 4,544 |
| Total domestic deposits to total assets | 90.3679% | 487 |
| Equity capital to assets | 7.5698% | 5,699 |
| Core capital (leverage) ratio | 8.0914% | 5,570 |
| Tier 1 risk-based capital ratio | 13.8795% | 3,533 |
| Total risk-based capital ratio | 14.7909% | 3,653 |
| Memoranda: |
| Average total assets | $63,692,400 | 5,059 |
| Average earning assets | $58,478,200 | 5,060 |
| Average equity | $5,271,400 | 5,414 |
| Average total loans | $38,126,800 | 4,940 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3115% | 2,128 |
| Cost of funding earning assets | 0.2292% | 4,793 |
| Net interest margin | 4.0823% | 1,429 |
| Noninterest income to average assets | 1.0061% | 1,136 |
| Noninterest expense to average assets | 4.4747% | 391 |
| Loan and lease loss provision to assets | 0.1915% | 1,134 |
| Net operating income to assets | 0.0884% | 5,635 |
| Return on assets (ROA) | 0.1810% | 5,560 |
| Pretax return on assets | 0.1810% | 5,588 |
| Return on Equity (ROE) | 2.1401% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.1401% | 4,620 |
| Net charge-offs to loans | 0.3645% | 616 |
| Credit loss provision to net charge-offs | 87.5000% | 2,570 |
| Earnings coverage of net charge-offs (x) | 1.2789% | 3,714 |
| Efficiency ratio | 94.1124% | 383 |
| Assets per employee ($millions) | 2.2857% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8631% | 4,997 |
| Loan loss allowance to noncurrent loans | 60.1869% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 2,337 |
| Noncurrent loans to loans | 1.4340% | 1,513 |
| Net loans and leases to total assets | 55.7991% | 4,327 |
| Net loans and leases to deposits | 62.2750% | 4,612 |
| Net loans and leases to core deposits | 62.6612% | 4,796 |
| Total domestic deposits to total assets | 89.6011% | 622 |
| Equity capital to assets | 8.2551% | 5,646 |
| Core capital (leverage) ratio | 8.2900% | 5,505 |
| Tier 1 risk-based capital ratio | 14.4731% | 3,297 |
| Total risk-based capital ratio | 15.3460% | 3,431 |
| Memoranda: |
| Average total assets | $63,347,000 | 5,112 |
| Average earning assets | $58,168,000 | 5,112 |
| Average equity | $5,357,750 | 5,456 |
| Average total loans | $38,044,000 | 4,986 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4301% | 1,739 |
| Cost of funding earning assets | 0.2341% | 4,810 |
| Net interest margin | 4.1960% | 1,124 |
| Noninterest income to average assets | 1.0069% | 1,100 |
| Noninterest expense to average assets | 4.5601% | 366 |
| Loan and lease loss provision to assets | 0.2918% | 623 |
| Net operating income to assets | 0.0064% | 5,765 |
| Return on assets (ROA) | 0.1475% | 5,661 |
| Pretax return on assets | 0.1475% | 5,670 |
| Return on Equity (ROE) | 1.7294% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.7294% | 4,697 |
| Net charge-offs to loans | 0.5328% | 395 |
| Credit loss provision to net charge-offs | 89.2157% | 2,251 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 3,471 |
| Efficiency ratio | 93.8614% | 423 |
| Assets per employee ($millions) | 2.1864% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8660% | 5,075 |
| Loan loss allowance to noncurrent loans | 55.4795% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0062% | 2,131 |
| Noncurrent loans to loans | 1.5610% | 1,383 |
| Net loans and leases to total assets | 58.4945% | 4,072 |
| Net loans and leases to deposits | 65.5537% | 4,383 |
| Net loans and leases to core deposits | 65.9771% | 4,613 |
| Total domestic deposits to total assets | 89.2313% | 794 |
| Equity capital to assets | 8.5512% | 5,569 |
| Core capital (leverage) ratio | 8.3937% | 5,452 |
| Tier 1 risk-based capital ratio | 14.6405% | 3,234 |
| Total risk-based capital ratio | 15.5357% | 3,365 |
| Memoranda: |
| Average total assets | $62,367,330 | 5,192 |
| Average earning assets | $57,244,670 | 5,197 |
| Average equity | $5,319,670 | 5,519 |
| Average total loans | $38,289,000 | 5,027 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3602% | 1,931 |
| Cost of funding earning assets | 0.2403% | 4,803 |
| Net interest margin | 4.1200% | 1,286 |
| Noninterest income to average assets | 1.0089% | 1,057 |
| Noninterest expense to average assets | 4.7018% | 339 |
| Loan and lease loss provision to assets | 0.5239% | 224 |
| Net operating income to assets | -0.4463% | 5,949 |
| Return on assets (ROA) | -0.4463% | 5,957 |
| Pretax return on assets | -0.4463% | 5,946 |
| Return on Equity (ROE) | -5.2387% | 5,975 |
| Retained earnings to average equity (ytd only) | -5.2387% | 5,620 |
| Net charge-offs to loans | 1.0019% | 186 |
| Credit loss provision to net charge-offs | 83.5052% | 1,811 |
| Earnings coverage of net charge-offs (x) | 0.1237% | 2,965 |
| Efficiency ratio | 98.3762% | 332 |
| Assets per employee ($millions) | 2.1307% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8216% | 5,309 |
| Loan loss allowance to noncurrent loans | 24.2401% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1298% | 788 |
| Noncurrent loans to loans | 3.3892% | 419 |
| Net loans and leases to total assets | 62.3240% | 3,485 |
| Net loans and leases to deposits | 69.7898% | 3,875 |
| Net loans and leases to core deposits | 70.2519% | 4,227 |
| Total domestic deposits to total assets | 89.3025% | 946 |
| Equity capital to assets | 8.5499% | 5,533 |
| Core capital (leverage) ratio | 8.1234% | 5,707 |
| Tier 1 risk-based capital ratio | 14.2324% | 3,546 |
| Total risk-based capital ratio | 15.1083% | 3,719 |
| Memoranda: |
| Average total assets | $61,848,000 | 5,245 |
| Average earning assets | $56,602,500 | 5,249 |
| Average equity | $5,268,500 | 5,563 |
| Average total loans | $38,727,000 | 5,056 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3123% | 2,187 |
| Cost of funding earning assets | 0.3088% | 4,158 |
| Net interest margin | 4.0035% | 1,706 |
| Noninterest income to average assets | 0.9907% | 1,202 |
| Noninterest expense to average assets | 4.5451% | 399 |
| Loan and lease loss provision to assets | 0.0602% | 3,099 |
| Net operating income to assets | 0.0553% | 5,809 |
| Return on assets (ROA) | 0.1789% | 5,677 |
| Pretax return on assets | 0.1789% | 5,710 |
| Return on Equity (ROE) | 2.0966% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.6392% | 4,793 |
| Net charge-offs to loans | 0.3317% | 897 |
| Credit loss provision to net charge-offs | 30.5785% | 3,650 |
| Earnings coverage of net charge-offs (x) | 0.5868% | 4,207 |
| Efficiency ratio | 97.5218% | 353 |
| Assets per employee ($millions) | 2.1347% | 6,019 |
| Cash dividends to net income (ytd only)* | 21.8182% | 3,710 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8673% | 5,207 |
| Loan loss allowance to noncurrent loans | 31.4850% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 1.7187% | 1,127 |
| Noncurrent loans to loans | 2.7547% | 634 |
| Net loans and leases to total assets | 61.8518% | 3,582 |
| Net loans and leases to deposits | 69.1667% | 4,006 |
| Net loans and leases to core deposits | 69.6207% | 4,324 |
| Total domestic deposits to total assets | 89.4243% | 900 |
| Equity capital to assets | 8.4871% | 5,573 |
| Core capital (leverage) ratio | 8.5536% | 5,371 |
| Tier 1 risk-based capital ratio | 14.4274% | 3,479 |
| Total risk-based capital ratio | 15.3474% | 3,578 |
| Memoranda: |
| Average total assets | $61,472,200 | 5,284 |
| Average earning assets | $56,351,000 | 5,282 |
| Average equity | $5,246,600 | 5,593 |
| Average total loans | $36,480,000 | 5,135 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2330% | 2,465 |
| Cost of funding earning assets | 0.3265% | 4,031 |
| Net interest margin | 3.9065% | 2,008 |
| Noninterest income to average assets | 1.0016% | 1,178 |
| Noninterest expense to average assets | 4.5802% | 387 |
| Loan and lease loss provision to assets | 0.0717% | 2,742 |
| Net operating income to assets | -0.0630% | 5,976 |
| Return on assets (ROA) | 0.0891% | 5,902 |
| Pretax return on assets | 0.0891% | 5,902 |
| Return on Equity (ROE) | 1.0424% | 5,852 |
| Retained earnings to average equity (ytd only) | 0.4322% | 5,497 |
| Net charge-offs to loans | 0.4229% | 605 |
| Credit loss provision to net charge-offs | 28.9474% | 3,281 |
| Earnings coverage of net charge-offs (x) | 0.0351% | 3,989 |
| Efficiency ratio | 99.8106% | 302 |
| Assets per employee ($millions) | 2.1812% | 6,090 |
| Cash dividends to net income (ytd only)* | 58.5330% | 1,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9092% | 5,177 |
| Loan loss allowance to noncurrent loans | 30.5882% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7469% | 1,238 |
| Noncurrent loans to loans | 2.9724% | 598 |
| Net loans and leases to total assets | 58.2366% | 4,112 |
| Net loans and leases to deposits | 65.0084% | 4,465 |
| Net loans and leases to core deposits | 65.4531% | 4,733 |
| Total domestic deposits to total assets | 89.5833% | 736 |
| Equity capital to assets | 8.3220% | 5,818 |
| Core capital (leverage) ratio | 8.3496% | 5,676 |
| Tier 1 risk-based capital ratio | 14.5593% | 3,525 |
| Total risk-based capital ratio | 15.5086% | 3,630 |
| Memoranda: |
| Average total assets | $61,363,750 | 5,349 |
| Average earning assets | $56,349,750 | 5,353 |
| Average equity | $5,244,750 | 5,666 |
| Average total loans | $35,943,750 | 5,217 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2431% | 2,381 |
| Cost of funding earning assets | 0.3518% | 3,785 |
| Net interest margin | 3.8913% | 2,009 |
| Noninterest income to average assets | 0.9978% | 1,188 |
| Noninterest expense to average assets | 4.6169% | 382 |
| Loan and lease loss provision to assets | -0.1383% | 6,120 |
| Net operating income to assets | 0.0889% | 5,887 |
| Return on assets (ROA) | 0.2206% | 5,717 |
| Pretax return on assets | 0.2206% | 5,782 |
| Return on Equity (ROE) | 2.5581% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.5581% | 4,428 |
| Net charge-offs to loans | 0.0225% | 3,213 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,361 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 3,812 |
| Efficiency ratio | 101.0815% | 296 |
| Assets per employee ($millions) | 2.0504% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0563% | 4,567 |
| Loan loss allowance to noncurrent loans | 32.5196% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 1,228 |
| Noncurrent loans to loans | 3.2482% | 574 |
| Net loans and leases to total assets | 56.8012% | 4,244 |
| Net loans and leases to deposits | 63.6006% | 4,569 |
| Net loans and leases to core deposits | 64.0460% | 4,807 |
| Total domestic deposits to total assets | 89.3092% | 999 |
| Equity capital to assets | 8.5383% | 5,654 |
| Core capital (leverage) ratio | 8.6252% | 5,408 |
| Tier 1 risk-based capital ratio | 15.2905% | 3,207 |
| Total risk-based capital ratio | 16.3799% | 3,224 |
| Memoranda: |
| Average total assets | $60,733,670 | 5,427 |
| Average earning assets | $55,713,670 | 5,419 |
| Average equity | $5,238,330 | 5,720 |
| Average total loans | $35,533,330 | 5,278 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4171% | 1,708 |
| Cost of funding earning assets | 0.3759% | 3,583 |
| Net interest margin | 4.0412% | 1,435 |
| Noninterest income to average assets | 0.8750% | 1,478 |
| Noninterest expense to average assets | 4.6532% | 386 |
| Loan and lease loss provision to assets | 0.0133% | 3,551 |
| Net operating income to assets | -0.0862% | 6,088 |
| Return on assets (ROA) | -0.0464% | 6,088 |
| Pretax return on assets | -0.0464% | 6,083 |
| Return on Equity (ROE) | -0.5352% | 6,098 |
| Retained earnings to average equity (ytd only) | -0.5352% | 5,475 |
| Net charge-offs to loans | 0.1122% | 1,622 |
| Credit loss provision to net charge-offs | 20.0000% | 2,359 |
| Earnings coverage of net charge-offs (x) | -1.1000% | 3,178 |
| Efficiency ratio | 101.5919% | 329 |
| Assets per employee ($millions) | 2.0591% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1543% | 4,238 |
| Loan loss allowance to noncurrent loans | 42.5026% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.6244% | 1,572 |
| Noncurrent loans to loans | 2.7158% | 864 |
| Net loans and leases to total assets | 58.9393% | 3,807 |
| Net loans and leases to deposits | 66.2656% | 4,126 |
| Net loans and leases to core deposits | 66.7457% | 4,450 |
| Total domestic deposits to total assets | 88.9440% | 1,307 |
| Equity capital to assets | 8.8271% | 5,473 |
| Core capital (leverage) ratio | 8.3957% | 5,638 |
| Tier 1 risk-based capital ratio | 15.4274% | 3,182 |
| Total risk-based capital ratio | 16.6562% | 3,129 |
| Memoranda: |
| Average total assets | $60,345,000 | 5,495 |
| Average earning assets | $55,330,000 | 5,482 |
| Average equity | $5,231,500 | 5,774 |
| Average total loans | $35,644,000 | 5,314 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3098% | 2,571 |
| Cost of funding earning assets | 0.4465% | 3,204 |
| Net interest margin | 3.8633% | 2,384 |
| Noninterest income to average assets | 1.1134% | 986 |
| Noninterest expense to average assets | 4.5810% | 431 |
| Loan and lease loss provision to assets | -0.1588% | 6,238 |
| Net operating income to assets | 0.2267% | 5,711 |
| Return on assets (ROA) | 0.2366% | 5,748 |
| Pretax return on assets | 0.2366% | 5,810 |
| Return on Equity (ROE) | 2.8100% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.8100% | 4,241 |
| Net charge-offs to loans | 0.2532% | 1,690 |
| Credit loss provision to net charge-offs | -105.4945% | 5,529 |
| Earnings coverage of net charge-offs (x) | 0.4505% | 4,637 |
| Efficiency ratio | 98.5409% | 405 |
| Assets per employee ($millions) | 2.1777% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1743% | 4,145 |
| Loan loss allowance to noncurrent loans | 38.3349% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0270% | 1,253 |
| Noncurrent loans to loans | 3.0632% | 733 |
| Net loans and leases to total assets | 57.8309% | 4,064 |
| Net loans and leases to deposits | 64.7123% | 4,455 |
| Net loans and leases to core deposits | 65.1607% | 4,736 |
| Total domestic deposits to total assets | 89.3663% | 1,037 |
| Equity capital to assets | 8.5148% | 5,741 |
| Core capital (leverage) ratio | 8.4593% | 5,595 |
| Tier 1 risk-based capital ratio | 14.6948% | 3,659 |
| Total risk-based capital ratio | 15.8865% | 3,629 |
| Memoranda: |
| Average total assets | $60,445,600 | 5,538 |
| Average earning assets | $55,315,800 | 5,539 |
| Average equity | $5,089,000 | 5,833 |
| Average total loans | $35,938,000 | 5,331 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3232% | 2,528 |
| Cost of funding earning assets | 0.4541% | 3,198 |
| Net interest margin | 3.8692% | 2,355 |
| Noninterest income to average assets | 1.1694% | 881 |
| Noninterest expense to average assets | 4.5539% | 437 |
| Loan and lease loss provision to assets | -0.0973% | 6,266 |
| Net operating income to assets | 0.2542% | 5,728 |
| Return on assets (ROA) | 0.2653% | 5,759 |
| Pretax return on assets | 0.2653% | 5,836 |
| Return on Equity (ROE) | 3.1600% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.1600% | 4,377 |
| Net charge-offs to loans | 0.2815% | 1,399 |
| Credit loss provision to net charge-offs | -57.8947% | 5,367 |
| Earnings coverage of net charge-offs (x) | 0.9342% | 4,271 |
| Efficiency ratio | 96.6682% | 479 |
| Assets per employee ($millions) | 2.0716% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3377% | 3,460 |
| Loan loss allowance to noncurrent loans | 42.8194% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 1,285 |
| Noncurrent loans to loans | 3.1241% | 826 |
| Net loans and leases to total assets | 59.6661% | 3,851 |
| Net loans and leases to deposits | 66.8675% | 4,249 |
| Net loans and leases to core deposits | 67.3690% | 4,574 |
| Total domestic deposits to total assets | 89.2303% | 1,109 |
| Equity capital to assets | 8.5708% | 5,746 |
| Core capital (leverage) ratio | 8.5150% | 5,645 |
| Tier 1 risk-based capital ratio | 14.6491% | 3,788 |
| Total risk-based capital ratio | 15.8995% | 3,730 |
| Memoranda: |
| Average total assets | $60,313,000 | 5,602 |
| Average earning assets | $55,204,500 | 5,610 |
| Average equity | $5,063,250 | 5,901 |
| Average total loans | $36,002,000 | 5,379 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3226% | 2,509 |
| Cost of funding earning assets | 0.4634% | 3,180 |
| Net interest margin | 3.8592% | 2,337 |
| Noninterest income to average assets | 1.1359% | 914 |
| Noninterest expense to average assets | 4.5271% | 439 |
| Loan and lease loss provision to assets | -0.1490% | 6,426 |
| Net operating income to assets | 0.2881% | 5,611 |
| Return on assets (ROA) | 0.2881% | 5,679 |
| Pretax return on assets | 0.2881% | 5,808 |
| Return on Equity (ROE) | 3.4560% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.4560% | 4,000 |
| Net charge-offs to loans | -0.0836% | 6,087 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0192% | 508 |
| Assets per employee ($millions) | 2.0193% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6138% | 2,412 |
| Loan loss allowance to noncurrent loans | 54.0338% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 1,565 |
| Noncurrent loans to loans | 2.9867% | 972 |
| Net loans and leases to total assets | 57.9682% | 4,000 |
| Net loans and leases to deposits | 65.1442% | 4,367 |
| Net loans and leases to core deposits | 65.6214% | 4,674 |
| Total domestic deposits to total assets | 88.9844% | 1,364 |
| Equity capital to assets | 8.4486% | 5,842 |
| Core capital (leverage) ratio | 8.3878% | 5,752 |
| Tier 1 risk-based capital ratio | 14.6767% | 3,826 |
| Total risk-based capital ratio | 15.9315% | 3,774 |
| Memoranda: |
| Average total assets | $60,392,000 | 5,647 |
| Average earning assets | $55,244,000 | 5,650 |
| Average equity | $5,034,670 | 5,949 |
| Average total loans | $35,892,330 | 5,422 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3102% | 2,484 |
| Cost of funding earning assets | 0.4724% | 3,204 |
| Net interest margin | 3.8377% | 2,312 |
| Noninterest income to average assets | 1.1874% | 787 |
| Noninterest expense to average assets | 4.4777% | 467 |
| Loan and lease loss provision to assets | 0.0332% | 3,385 |
| Net operating income to assets | 0.1791% | 5,856 |
| Return on assets (ROA) | 0.1791% | 5,898 |
| Pretax return on assets | 0.1791% | 5,954 |
| Return on Equity (ROE) | 2.1630% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.1630% | 4,737 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4738% | 675 |
| Assets per employee ($millions) | 2.1819% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7061% | 2,331 |
| Loan loss allowance to noncurrent loans | 41.5929% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 3.5062% | 743 |
| Noncurrent loans to loans | 4.1020% | 640 |
| Net loans and leases to total assets | 57.6197% | 3,912 |
| Net loans and leases to deposits | 64.2038% | 4,291 |
| Net loans and leases to core deposits | 64.6661% | 4,627 |
| Total domestic deposits to total assets | 89.7450% | 1,210 |
| Equity capital to assets | 8.2188% | 5,898 |
| Core capital (leverage) ratio | 8.2071% | 5,939 |
| Tier 1 risk-based capital ratio | 14.3250% | 4,112 |
| Total risk-based capital ratio | 15.5814% | 4,063 |
| Memoranda: |
| Average total assets | $60,299,000 | 5,701 |
| Average earning assets | $55,032,500 | 5,699 |
| Average equity | $4,993,000 | 6,000 |
| Average total loans | $35,992,500 | 5,461 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3224% | 2,873 |
| Cost of funding earning assets | 0.5666% | 2,961 |
| Net interest margin | 3.7558% | 2,823 |
| Noninterest income to average assets | 1.2620% | 870 |
| Noninterest expense to average assets | 4.5158% | 523 |
| Loan and lease loss provision to assets | -0.2191% | 6,613 |
| Net operating income to assets | 0.3723% | 5,252 |
| Return on assets (ROA) | 0.3938% | 5,279 |
| Pretax return on assets | 0.3938% | 5,507 |
| Return on Equity (ROE) | 4.8865% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.8865% | 2,678 |
| Net charge-offs to loans | 0.4446% | 1,494 |
| Credit loss provision to net charge-offs | -84.1772% | 5,849 |
| Earnings coverage of net charge-offs (x) | 0.5886% | 4,888 |
| Efficiency ratio | 96.7184% | 598 |
| Assets per employee ($millions) | 2.1252% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6753% | 2,481 |
| Loan loss allowance to noncurrent loans | 42.7664% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 3.5123% | 832 |
| Noncurrent loans to loans | 3.9173% | 750 |
| Net loans and leases to total assets | 59.7704% | 3,757 |
| Net loans and leases to deposits | 66.7336% | 4,213 |
| Net loans and leases to core deposits | 67.2192% | 4,590 |
| Total domestic deposits to total assets | 89.5658% | 1,290 |
| Equity capital to assets | 8.3437% | 5,739 |
| Core capital (leverage) ratio | 8.4531% | 5,721 |
| Tier 1 risk-based capital ratio | 14.2638% | 4,109 |
| Total risk-based capital ratio | 15.5187% | 4,047 |
| Memoranda: |
| Average total assets | $60,697,400 | 5,739 |
| Average earning assets | $55,061,800 | 5,732 |
| Average equity | $4,891,000 | 6,095 |
| Average total loans | $35,541,400 | 5,514 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3013% | 2,990 |
| Cost of funding earning assets | 0.5811% | 2,984 |
| Net interest margin | 3.7202% | 2,953 |
| Noninterest income to average assets | 1.2438% | 950 |
| Noninterest expense to average assets | 4.5008% | 518 |
| Loan and lease loss provision to assets | -0.2492% | 6,751 |
| Net operating income to assets | 0.3650% | 5,389 |
| Return on assets (ROA) | 0.3847% | 5,441 |
| Pretax return on assets | 0.3847% | 5,667 |
| Return on Equity (ROE) | 4.8160% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,219 |
| Net charge-offs to loans | 0.5426% | 1,172 |
| Credit loss provision to net charge-offs | -79.1667% | 5,750 |
| Earnings coverage of net charge-offs (x) | 0.3680% | 4,743 |
| Efficiency ratio | 97.4905% | 551 |
| Assets per employee ($millions) | 2.1221% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7928% | 2,326 |
| Loan loss allowance to noncurrent loans | 34.8990% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 4.2174% | 734 |
| Noncurrent loans to loans | 5.1371% | 567 |
| Net loans and leases to total assets | 58.9095% | 3,869 |
| Net loans and leases to deposits | 65.7611% | 4,336 |
| Net loans and leases to core deposits | 66.2691% | 4,688 |
| Total domestic deposits to total assets | 89.5809% | 1,239 |
| Equity capital to assets | 8.2699% | 5,936 |
| Core capital (leverage) ratio | 8.3205% | 5,950 |
| Tier 1 risk-based capital ratio | 14.0729% | 4,371 |
| Total risk-based capital ratio | 15.3298% | 4,318 |
| Memoranda: |
| Average total assets | $60,995,250 | 5,795 |
| Average earning assets | $55,299,750 | 5,781 |
| Average equity | $4,872,500 | 6,177 |
| Average total loans | $35,383,500 | 5,568 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1950% | 3,389 |
| Cost of funding earning assets | 0.5957% | 2,977 |
| Net interest margin | 3.5993% | 3,357 |
| Noninterest income to average assets | 1.2939% | 923 |
| Noninterest expense to average assets | 4.5058% | 523 |
| Loan and lease loss provision to assets | 0.3251% | 1,069 |
| Net operating income to assets | -0.2763% | 6,538 |
| Return on assets (ROA) | -0.2471% | 6,546 |
| Pretax return on assets | -0.2471% | 6,524 |
| Return on Equity (ROE) | -3.1284% | 6,586 |
| Retained earnings to average equity (ytd only) | -3.1284% | 6,324 |
| Net charge-offs to loans | 0.5440% | 1,214 |
| Credit loss provision to net charge-offs | 104.1667% | 2,116 |
| Earnings coverage of net charge-offs (x) | 0.1563% | 4,496 |
| Efficiency ratio | 98.9293% | 528 |
| Assets per employee ($millions) | 2.1358% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5454% | 941 |
| Loan loss allowance to noncurrent loans | 45.1629% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 4.8059% | 653 |
| Noncurrent loans to loans | 5.6361% | 537 |
| Net loans and leases to total assets | 57.6837% | 4,035 |
| Net loans and leases to deposits | 64.1011% | 4,486 |
| Net loans and leases to core deposits | 64.9446% | 4,797 |
| Total domestic deposits to total assets | 89.9886% | 1,026 |
| Equity capital to assets | 7.8108% | 6,311 |
| Core capital (leverage) ratio | 7.7336% | 6,350 |
| Tier 1 risk-based capital ratio | 13.3646% | 4,868 |
| Total risk-based capital ratio | 14.6303% | 4,806 |
| Memoranda: |
| Average total assets | $61,520,330 | 5,821 |
| Average earning assets | $55,733,670 | 5,803 |
| Average equity | $4,858,670 | 6,224 |
| Average total loans | $35,297,000 | 5,610 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1332% | 3,583 |
| Cost of funding earning assets | 0.6147% | 2,972 |
| Net interest margin | 3.5185% | 3,623 |
| Noninterest income to average assets | 1.3081% | 902 |
| Noninterest expense to average assets | 4.4374% | 564 |
| Loan and lease loss provision to assets | -0.0385% | 6,777 |
| Net operating income to assets | 0.1026% | 6,140 |
| Return on assets (ROA) | 0.1026% | 6,234 |
| Pretax return on assets | 0.1026% | 6,257 |
| Return on Equity (ROE) | 1.2923% | 6,151 |
| Retained earnings to average equity (ytd only) | 1.2923% | 5,336 |
| Net charge-offs to loans | 0.3518% | 1,591 |
| Credit loss provision to net charge-offs | -19.3548% | 4,985 |
| Earnings coverage of net charge-offs (x) | 0.3226% | 3,703 |
| Efficiency ratio | 98.5755% | 611 |
| Assets per employee ($millions) | 2.1413% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4788% | 1,143 |
| Loan loss allowance to noncurrent loans | 42.8928% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 4.6443% | 805 |
| Noncurrent loans to loans | 5.7791% | 592 |
| Net loans and leases to total assets | 54.4857% | 4,338 |
| Net loans and leases to deposits | 61.0998% | 4,671 |
| Net loans and leases to core deposits | 61.8809% | 4,963 |
| Total domestic deposits to total assets | 89.1750% | 1,582 |
| Equity capital to assets | 7.9843% | 6,386 |
| Core capital (leverage) ratio | 7.6526% | 6,384 |
| Tier 1 risk-based capital ratio | 13.9268% | 4,561 |
| Total risk-based capital ratio | 15.1916% | 4,510 |
| Memoranda: |
| Average total assets | $62,379,500 | 5,854 |
| Average earning assets | $56,615,000 | 5,836 |
| Average equity | $4,952,500 | 6,261 |
| Average total loans | $35,247,000 | 5,653 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2777% | 4,283 |
| Cost of funding earning assets | 0.7515% | 3,079 |
| Net interest margin | 3.5262% | 4,391 |
| Noninterest income to average assets | 0.9474% | 1,712 |
| Noninterest expense to average assets | 4.5790% | 532 |
| Loan and lease loss provision to assets | 0.8684% | 531 |
| Net operating income to assets | -1.2936% | 6,822 |
| Return on assets (ROA) | -1.1876% | 6,802 |
| Pretax return on assets | -1.1876% | 6,778 |
| Return on Equity (ROE) | -14.6393% | 6,820 |
| Retained earnings to average equity (ytd only) | -14.6393% | 6,770 |
| Net charge-offs to loans | 1.4883% | 604 |
| Credit loss provision to net charge-offs | 102.4648% | 2,936 |
| Earnings coverage of net charge-offs (x) | -0.5018% | 5,675 |
| Efficiency ratio | 110.2371% | 330 |
| Assets per employee ($millions) | 2.0887% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5056% | 1,124 |
| Loan loss allowance to noncurrent loans | 39.4980% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 5.1275% | 746 |
| Noncurrent loans to loans | 6.3436% | 539 |
| Net loans and leases to total assets | 55.7004% | 4,344 |
| Net loans and leases to deposits | 62.3847% | 4,740 |
| Net loans and leases to core deposits | 63.1660% | 5,044 |
| Total domestic deposits to total assets | 89.2854% | 1,382 |
| Equity capital to assets | 7.8947% | 6,463 |
| Core capital (leverage) ratio | 7.7048% | 6,404 |
| Tier 1 risk-based capital ratio | 13.5529% | 4,714 |
| Total risk-based capital ratio | 14.8190% | 4,652 |
| Memoranda: |
| Average total assets | $67,023,600 | 5,710 |
| Average earning assets | $60,944,000 | 5,706 |
| Average equity | $5,437,400 | 6,168 |
| Average total loans | $38,165,400 | 5,581 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2560% | 4,622 |
| Cost of funding earning assets | 0.7861% | 3,064 |
| Net interest margin | 3.4699% | 4,758 |
| Noninterest income to average assets | 1.1118% | 1,221 |
| Noninterest expense to average assets | 4.5021% | 539 |
| Loan and lease loss provision to assets | 0.7262% | 691 |
| Net operating income to assets | -0.9631% | 6,849 |
| Return on assets (ROA) | -0.8495% | 6,842 |
| Pretax return on assets | -0.8495% | 6,815 |
| Return on Equity (ROE) | -10.4074% | 6,870 |
| Retained earnings to average equity (ytd only) | -10.4074% | 6,827 |
| Net charge-offs to loans | 1.2832% | 742 |
| Credit loss provision to net charge-offs | 99.4638% | 3,022 |
| Earnings coverage of net charge-offs (x) | -0.3244% | 5,454 |
| Efficiency ratio | 105.5530% | 394 |
| Assets per employee ($millions) | 1.9601% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3652% | 1,411 |
| Loan loss allowance to noncurrent loans | 31.9319% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 5.3213% | 813 |
| Noncurrent loans to loans | 7.4069% | 465 |
| Net loans and leases to total assets | 56.2241% | 4,411 |
| Net loans and leases to deposits | 63.2443% | 4,810 |
| Net loans and leases to core deposits | 64.3294% | 5,117 |
| Total domestic deposits to total assets | 88.8999% | 1,486 |
| Equity capital to assets | 8.2756% | 6,438 |
| Core capital (leverage) ratio | 7.8156% | 6,456 |
| Tier 1 risk-based capital ratio | 14.3084% | 4,326 |
| Total risk-based capital ratio | 15.5735% | 4,282 |
| Memoranda: |
| Average total assets | $68,114,000 | 5,742 |
| Average earning assets | $61,903,250 | 5,740 |
| Average equity | $5,560,000 | 6,204 |
| Average total loans | $38,756,750 | 5,625 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3023% | 4,561 |
| Cost of funding earning assets | 0.8186% | 3,044 |
| Net interest margin | 3.4837% | 4,747 |
| Noninterest income to average assets | 1.0281% | 1,382 |
| Noninterest expense to average assets | 4.4299% | 588 |
| Loan and lease loss provision to assets | 0.5342% | 1,162 |
| Net operating income to assets | -0.7653% | 6,844 |
| Return on assets (ROA) | -0.6353% | 6,821 |
| Pretax return on assets | -0.6353% | 6,791 |
| Return on Equity (ROE) | -7.8167% | 6,856 |
| Retained earnings to average equity (ytd only) | -7.8167% | 6,756 |
| Net charge-offs to loans | 0.8558% | 1,293 |
| Credit loss provision to net charge-offs | 110.1190% | 2,478 |
| Earnings coverage of net charge-offs (x) | -0.4762% | 5,229 |
| Efficiency ratio | 105.5021% | 405 |
| Assets per employee ($millions) | 1.9268% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3623% | 1,477 |
| Loan loss allowance to noncurrent loans | 43.8596% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 4.1445% | 1,208 |
| Noncurrent loans to loans | 5.3861% | 870 |
| Net loans and leases to total assets | 55.1588% | 4,602 |
| Net loans and leases to deposits | 61.9523% | 4,999 |
| Net loans and leases to core deposits | 62.9610% | 5,301 |
| Total domestic deposits to total assets | 89.0344% | 1,477 |
| Equity capital to assets | 8.1883% | 6,465 |
| Core capital (leverage) ratio | 7.8255% | 6,428 |
| Tier 1 risk-based capital ratio | 14.5041% | 4,103 |
| Total risk-based capital ratio | 15.7675% | 4,054 |
| Memoranda: |
| Average total assets | $69,257,330 | 5,750 |
| Average earning assets | $63,035,670 | 5,736 |
| Average equity | $5,629,000 | 6,208 |
| Average total loans | $39,259,330 | 5,636 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4076% | 4,301 |
| Cost of funding earning assets | 0.8366% | 3,177 |
| Net interest margin | 3.5711% | 4,389 |
| Noninterest income to average assets | 1.1686% | 1,045 |
| Noninterest expense to average assets | 4.3667% | 619 |
| Loan and lease loss provision to assets | 0.4504% | 1,375 |
| Net operating income to assets | -0.3876% | 6,766 |
| Return on assets (ROA) | -0.2337% | 6,710 |
| Pretax return on assets | -0.2337% | 6,690 |
| Return on Equity (ROE) | -2.8861% | 6,746 |
| Retained earnings to average equity (ytd only) | -2.8861% | 6,379 |
| Net charge-offs to loans | 0.1908% | 2,964 |
| Credit loss provision to net charge-offs | 415.7895% | 761 |
| Earnings coverage of net charge-offs (x) | 0.5789% | 4,046 |
| Efficiency ratio | 98.5843% | 606 |
| Assets per employee ($millions) | 2.0588% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3946% | 1,515 |
| Loan loss allowance to noncurrent loans | 45.8881% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 3.5600% | 1,607 |
| Noncurrent loans to loans | 5.2183% | 1,050 |
| Net loans and leases to total assets | 54.9114% | 4,569 |
| Net loans and leases to deposits | 61.5165% | 4,982 |
| Net loans and leases to core deposits | 62.4774% | 5,278 |
| Total domestic deposits to total assets | 89.2629% | 1,507 |
| Equity capital to assets | 8.0629% | 6,478 |
| Core capital (leverage) ratio | 7.8823% | 6,347 |
| Tier 1 risk-based capital ratio | 14.6306% | 4,002 |
| Total risk-based capital ratio | 15.8958% | 3,950 |
| Memoranda: |
| Average total assets | $70,167,000 | 5,766 |
| Average earning assets | $64,070,500 | 5,752 |
| Average equity | $5,682,500 | 6,233 |
| Average total loans | $39,840,000 | 5,647 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6215% | 4,582 |
| Cost of funding earning assets | 1.0974% | 2,691 |
| Net interest margin | 3.5241% | 5,050 |
| Noninterest income to average assets | 1.1039% | 1,092 |
| Noninterest expense to average assets | 4.3346% | 698 |
| Loan and lease loss provision to assets | 1.1847% | 747 |
| Net operating income to assets | -1.1915% | 6,818 |
| Return on assets (ROA) | -0.8751% | 6,715 |
| Pretax return on assets | -0.8751% | 6,678 |
| Return on Equity (ROE) | -10.4668% | 6,752 |
| Retained earnings to average equity (ytd only) | -10.4668% | 6,716 |
| Net charge-offs to loans | 1.9822% | 698 |
| Credit loss provision to net charge-offs | 100.9335% | 3,451 |
| Earnings coverage of net charge-offs (x) | -0.0058% | 5,829 |
| Efficiency ratio | 100.1582% | 664 |
| Assets per employee ($millions) | 2.0686% | 7,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1911% | 1,815 |
| Loan loss allowance to noncurrent loans | 42.2084% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 3.6184% | 1,626 |
| Noncurrent loans to loans | 5.1912% | 1,058 |
| Net loans and leases to total assets | 56.0412% | 4,694 |
| Net loans and leases to deposits | 62.8454% | 5,138 |
| Net loans and leases to core deposits | 63.8150% | 5,483 |
| Total domestic deposits to total assets | 89.1731% | 1,436 |
| Equity capital to assets | 8.1340% | 6,490 |
| Core capital (leverage) ratio | 7.8120% | 6,429 |
| Tier 1 risk-based capital ratio | 14.7191% | 3,820 |
| Total risk-based capital ratio | 15.9826% | 3,781 |
| Memoranda: |
| Average total assets | $73,016,600 | 5,667 |
| Average earning assets | $66,796,600 | 5,644 |
| Average equity | $6,105,000 | 6,124 |
| Average total loans | $43,234,400 | 5,552 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6600% | 4,638 |
| Cost of funding earning assets | 1.1423% | 2,682 |
| Net interest margin | 3.5177% | 5,112 |
| Noninterest income to average assets | 1.1110% | 1,080 |
| Noninterest expense to average assets | 4.2539% | 750 |
| Loan and lease loss provision to assets | 1.1110% | 735 |
| Net operating income to assets | -1.0332% | 6,896 |
| Return on assets (ROA) | -0.8957% | 6,876 |
| Pretax return on assets | -0.8957% | 6,829 |
| Return on Equity (ROE) | -10.6431% | 6,909 |
| Retained earnings to average equity (ytd only) | -10.6431% | 6,875 |
| Net charge-offs to loans | 2.1803% | 567 |
| Credit loss provision to net charge-offs | 85.3964% | 3,949 |
| Earnings coverage of net charge-offs (x) | 0.0598% | 5,557 |
| Efficiency ratio | 98.2038% | 732 |
| Assets per employee ($millions) | 2.1861% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8224% | 2,857 |
| Loan loss allowance to noncurrent loans | 34.5757% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 3.5070% | 1,797 |
| Noncurrent loans to loans | 5.2706% | 1,153 |
| Net loans and leases to total assets | 57.5027% | 4,584 |
| Net loans and leases to deposits | 64.7959% | 5,074 |
| Net loans and leases to core deposits | 65.7969% | 5,436 |
| Total domestic deposits to total assets | 88.7443% | 1,586 |
| Equity capital to assets | 8.2796% | 6,503 |
| Core capital (leverage) ratio | 7.8768% | 6,505 |
| Tier 1 risk-based capital ratio | 14.5323% | 3,951 |
| Total risk-based capital ratio | 15.7913% | 3,922 |
| Memoranda: |
| Average total assets | $73,687,250 | 5,691 |
| Average earning assets | $67,466,500 | 5,670 |
| Average equity | $6,201,000 | 6,149 |
| Average total loans | $43,968,250 | 5,562 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7230% | 4,434 |
| Cost of funding earning assets | 1.1822% | 2,695 |
| Net interest margin | 3.5408% | 4,967 |
| Noninterest income to average assets | 1.0566% | 1,175 |
| Noninterest expense to average assets | 4.2424% | 794 |
| Loan and lease loss provision to assets | 0.7170% | 1,311 |
| Net operating income to assets | -0.6657% | 6,799 |
| Return on assets (ROA) | -0.4609% | 6,684 |
| Pretax return on assets | -0.4609% | 6,633 |
| Return on Equity (ROE) | -5.4485% | 6,742 |
| Retained earnings to average equity (ytd only) | -5.4485% | 6,601 |
| Net charge-offs to loans | 0.5568% | 2,436 |
| Credit loss provision to net charge-offs | 214.5161% | 1,391 |
| Earnings coverage of net charge-offs (x) | 0.1532% | 5,186 |
| Efficiency ratio | 98.8073% | 762 |
| Assets per employee ($millions) | 2.0599% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3585% | 1,654 |
| Loan loss allowance to noncurrent loans | 44.6837% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 3.8739% | 1,671 |
| Noncurrent loans to loans | 5.2782% | 1,219 |
| Net loans and leases to total assets | 58.3991% | 4,561 |
| Net loans and leases to deposits | 66.1202% | 4,989 |
| Net loans and leases to core deposits | 67.4614% | 5,346 |
| Total domestic deposits to total assets | 88.3227% | 1,950 |
| Equity capital to assets | 8.6550% | 5,998 |
| Core capital (leverage) ratio | 8.3091% | 5,856 |
| Tier 1 risk-based capital ratio | 15.1712% | 3,412 |
| Total risk-based capital ratio | 16.4380% | 3,364 |
| Memoranda: |
| Average total assets | $74,202,670 | 5,717 |
| Average earning assets | $67,837,670 | 5,703 |
| Average equity | $6,277,000 | 6,148 |
| Average total loans | $44,540,000 | 5,587 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7185% | 4,441 |
| Cost of funding earning assets | 1.2029% | 2,798 |
| Net interest margin | 3.5157% | 4,936 |
| Noninterest income to average assets | 1.1481% | 989 |
| Noninterest expense to average assets | 4.3691% | 679 |
| Loan and lease loss provision to assets | 0.7069% | 1,199 |
| Net operating income to assets | -0.7122% | 6,920 |
| Return on assets (ROA) | -0.3668% | 6,727 |
| Pretax return on assets | -0.3668% | 6,666 |
| Return on Equity (ROE) | -4.3841% | 6,772 |
| Retained earnings to average equity (ytd only) | -4.3841% | 6,463 |
| Net charge-offs to loans | 0.9812% | 1,379 |
| Credit loss provision to net charge-offs | 119.8198% | 2,280 |
| Earnings coverage of net charge-offs (x) | -0.0090% | 4,585 |
| Efficiency ratio | 100.1218% | 741 |
| Assets per employee ($millions) | 2.2407% | 7,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0086% | 2,399 |
| Loan loss allowance to noncurrent loans | 46.3566% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 3.4445% | 1,979 |
| Noncurrent loans to loans | 4.3330% | 1,631 |
| Net loans and leases to total assets | 59.1799% | 4,430 |
| Net loans and leases to deposits | 67.1619% | 4,806 |
| Net loans and leases to core deposits | 68.4927% | 5,231 |
| Total domestic deposits to total assets | 88.1153% | 2,306 |
| Equity capital to assets | 8.4415% | 5,999 |
| Core capital (leverage) ratio | 8.0927% | 6,140 |
| Tier 1 risk-based capital ratio | 14.7087% | 3,606 |
| Total risk-based capital ratio | 15.9691% | 3,555 |
| Memoranda: |
| Average total assets | $75,255,500 | 5,720 |
| Average earning assets | $68,835,000 | 5,704 |
| Average equity | $6,295,500 | 6,157 |
| Average total loans | $45,249,500 | 5,598 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2880% | 3,187 |
| Cost of funding earning assets | 1.5488% | 2,356 |
| Net interest margin | 3.7392% | 4,183 |
| Noninterest income to average assets | 1.0548% | 1,347 |
| Noninterest expense to average assets | 4.1701% | 931 |
| Loan and lease loss provision to assets | 1.0535% | 1,527 |
| Net operating income to assets | -1.5046% | 6,912 |
| Return on assets (ROA) | -1.2888% | 6,851 |
| Pretax return on assets | -0.5856% | 6,390 |
| Return on Equity (ROE) | -14.0787% | 6,885 |
| Retained earnings to average equity (ytd only) | -14.0787% | 6,845 |
| Net charge-offs to loans | 1.4072% | 1,586 |
| Credit loss provision to net charge-offs | 118.4593% | 3,588 |
| Earnings coverage of net charge-offs (x) | 0.2834% | 5,822 |
| Efficiency ratio | 94.2999% | 1,046 |
| Assets per employee ($millions) | 2.2520% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9087% | 2,539 |
| Loan loss allowance to noncurrent loans | 45.7397% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.3213% | 2,131 |
| Noncurrent loans to loans | 4.1730% | 1,737 |
| Net loans and leases to total assets | 58.7290% | 4,914 |
| Net loans and leases to deposits | 66.9710% | 5,259 |
| Net loans and leases to core deposits | 67.9907% | 5,661 |
| Total domestic deposits to total assets | 87.6931% | 2,424 |
| Equity capital to assets | 8.2921% | 6,157 |
| Core capital (leverage) ratio | 8.0776% | 6,064 |
| Tier 1 risk-based capital ratio | 14.9887% | 3,259 |
| Total risk-based capital ratio | 16.2490% | 3,204 |
| Memoranda: |
| Average total assets | $77,361,000 | 5,667 |
| Average earning assets | $69,667,400 | 5,684 |
| Average equity | $7,081,600 | 6,007 |
| Average total loans | $48,891,800 | 5,529 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4310% | 2,738 |
| Cost of funding earning assets | 1.6032% | 2,370 |
| Net interest margin | 3.8278% | 3,857 |
| Noninterest income to average assets | 1.0332% | 1,357 |
| Noninterest expense to average assets | 4.2014% | 824 |
| Loan and lease loss provision to assets | 1.0246% | 1,442 |
| Net operating income to assets | -0.4167% | 6,534 |
| Return on assets (ROA) | -0.2682% | 6,449 |
| Pretax return on assets | -0.5295% | 6,575 |
| Return on Equity (ROE) | -2.8630% | 6,480 |
| Retained earnings to average equity (ytd only) | -2.8630% | 6,333 |
| Net charge-offs to loans | 1.2593% | 1,618 |
| Credit loss provision to net charge-offs | 127.0789% | 3,206 |
| Earnings coverage of net charge-offs (x) | 0.3262% | 5,700 |
| Efficiency ratio | 94.1086% | 996 |
| Assets per employee ($millions) | 2.2514% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8378% | 2,667 |
| Loan loss allowance to noncurrent loans | 60.1375% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.8479% | 2,547 |
| Noncurrent loans to loans | 3.0561% | 2,613 |
| Net loans and leases to total assets | 61.0532% | 4,706 |
| Net loans and leases to deposits | 70.6939% | 5,049 |
| Net loans and leases to core deposits | 72.3833% | 5,468 |
| Total domestic deposits to total assets | 86.3628% | 2,881 |
| Equity capital to assets | 9.5483% | 4,768 |
| Core capital (leverage) ratio | 8.4151% | 5,674 |
| Tier 1 risk-based capital ratio | 14.6386% | 3,435 |
| Total risk-based capital ratio | 15.8992% | 3,402 |
| Memoranda: |
| Average total assets | $77,559,500 | 5,734 |
| Average earning assets | $69,524,750 | 5,752 |
| Average equity | $7,264,750 | 6,022 |
| Average total loans | $49,654,250 | 5,581 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4871% | 2,577 |
| Cost of funding earning assets | 1.6769% | 2,251 |
| Net interest margin | 3.8103% | 3,850 |
| Noninterest income to average assets | 1.0501% | 1,219 |
| Noninterest expense to average assets | 4.2210% | 796 |
| Loan and lease loss provision to assets | 0.5084% | 2,763 |
| Net operating income to assets | -0.1977% | 6,357 |
| Return on assets (ROA) | 0.1053% | 5,968 |
| Pretax return on assets | 0.0308% | 6,102 |
| Return on Equity (ROE) | 1.1310% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.1310% | 5,308 |
| Net charge-offs to loans | 1.2198% | 1,566 |
| Credit loss provision to net charge-offs | 64.4951% | 5,111 |
| Earnings coverage of net charge-offs (x) | 0.2997% | 5,427 |
| Efficiency ratio | 94.7005% | 1,028 |
| Assets per employee ($millions) | 2.2147% | 7,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2968% | 4,935 |
| Loan loss allowance to noncurrent loans | 50.5138% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.5272% | 2,855 |
| Noncurrent loans to loans | 2.5673% | 3,080 |
| Net loans and leases to total assets | 64.5883% | 4,134 |
| Net loans and leases to deposits | 75.8263% | 4,367 |
| Net loans and leases to core deposits | 77.9869% | 4,953 |
| Total domestic deposits to total assets | 85.1793% | 3,529 |
| Equity capital to assets | 9.9363% | 4,095 |
| Core capital (leverage) ratio | 8.7476% | 5,011 |
| Tier 1 risk-based capital ratio | 14.8519% | 3,237 |
| Total risk-based capital ratio | 16.1035% | 3,207 |
| Memoranda: |
| Average total assets | $77,896,670 | 5,760 |
| Average earning assets | $69,654,000 | 5,787 |
| Average equity | $7,250,000 | 6,051 |
| Average total loans | $50,335,670 | 5,590 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5353% | 2,432 |
| Cost of funding earning assets | 1.7847% | 1,937 |
| Net interest margin | 3.7506% | 4,004 |
| Noninterest income to average assets | 1.1667% | 902 |
| Noninterest expense to average assets | 4.1770% | 832 |
| Loan and lease loss provision to assets | 0.2879% | 3,719 |
| Net operating income to assets | 0.0358% | 6,202 |
| Return on assets (ROA) | 0.4394% | 4,796 |
| Pretax return on assets | 0.5909% | 4,643 |
| Return on Equity (ROE) | 4.8780% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.8780% | 3,219 |
| Net charge-offs to loans | 0.5505% | 2,430 |
| Credit loss provision to net charge-offs | 81.4286% | 3,840 |
| Earnings coverage of net charge-offs (x) | 0.9429% | 4,203 |
| Efficiency ratio | 92.6092% | 1,236 |
| Assets per employee ($millions) | 2.3040% | 7,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4536% | 4,160 |
| Loan loss allowance to noncurrent loans | 49.3289% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.7663% | 2,628 |
| Noncurrent loans to loans | 2.9468% | 2,728 |
| Net loans and leases to total assets | 63.6072% | 4,406 |
| Net loans and leases to deposits | 73.8970% | 4,757 |
| Net loans and leases to core deposits | 76.0095% | 5,256 |
| Total domestic deposits to total assets | 86.0755% | 3,113 |
| Equity capital to assets | 9.1119% | 5,117 |
| Core capital (leverage) ratio | 8.0256% | 6,200 |
| Tier 1 risk-based capital ratio | 13.5869% | 3,935 |
| Total risk-based capital ratio | 14.8412% | 3,899 |
| Memoranda: |
| Average total assets | $79,195,000 | 5,791 |
| Average earning assets | $70,601,500 | 5,830 |
| Average equity | $7,134,000 | 6,141 |
| Average total loans | $50,866,500 | 5,631 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6091% | 3,557 |
| Cost of funding earning assets | 2.0303% | 2,819 |
| Net interest margin | 3.5788% | 4,622 |
| Noninterest income to average assets | 0.9369% | 1,802 |
| Noninterest expense to average assets | 4.3796% | 895 |
| Loan and lease loss provision to assets | 1.3294% | 1,726 |
| Net operating income to assets | -0.9296% | 6,526 |
| Return on assets (ROA) | -0.9296% | 6,530 |
| Pretax return on assets | -1.5691% | 6,735 |
| Return on Equity (ROE) | -10.3602% | 6,651 |
| Retained earnings to average equity (ytd only) | -10.3602% | 6,548 |
| Net charge-offs to loans | 1.7064% | 1,478 |
| Credit loss provision to net charge-offs | 121.0526% | 4,408 |
| Earnings coverage of net charge-offs (x) | -0.2182% | 6,468 |
| Efficiency ratio | 105.7882% | 912 |
| Assets per employee ($millions) | 2.3545% | 7,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4618% | 3,918 |
| Loan loss allowance to noncurrent loans | 38.0468% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 3.3490% | 2,037 |
| Noncurrent loans to loans | 3.8421% | 1,941 |
| Net loans and leases to total assets | 62.9858% | 4,814 |
| Net loans and leases to deposits | 73.5165% | 5,117 |
| Net loans and leases to core deposits | 83.5341% | 5,763 |
| Total domestic deposits to total assets | 85.6757% | 3,182 |
| Equity capital to assets | 8.9066% | 5,269 |
| Core capital (leverage) ratio | 7.8657% | 6,363 |
| Tier 1 risk-based capital ratio | 12.5986% | 4,445 |
| Total risk-based capital ratio | 13.8527% | 4,385 |
| Memoranda: |
| Average total assets | $83,043,600 | 5,630 |
| Average earning assets | $74,325,600 | 5,663 |
| Average equity | $7,451,600 | 6,107 |
| Average total loans | $53,446,200 | 5,529 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6279% | 3,704 |
| Cost of funding earning assets | 2.0797% | 2,987 |
| Net interest margin | 3.5482% | 4,675 |
| Noninterest income to average assets | 1.0025% | 1,601 |
| Noninterest expense to average assets | 4.3233% | 883 |
| Loan and lease loss provision to assets | 1.2571% | 1,533 |
| Net operating income to assets | -0.8115% | 6,700 |
| Return on assets (ROA) | -0.8115% | 6,701 |
| Pretax return on assets | -1.3907% | 6,910 |
| Return on Equity (ROE) | -9.0279% | 6,815 |
| Retained earnings to average equity (ytd only) | -9.0279% | 6,707 |
| Net charge-offs to loans | 1.5057% | 1,359 |
| Credit loss provision to net charge-offs | 129.5082% | 3,872 |
| Earnings coverage of net charge-offs (x) | -0.1377% | 6,228 |
| Efficiency ratio | 103.1903% | 942 |
| Assets per employee ($millions) | 2.3511% | 7,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3980% | 3,956 |
| Loan loss allowance to noncurrent loans | 39.0750% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 3.0345% | 2,281 |
| Noncurrent loans to loans | 3.5778% | 2,090 |
| Net loans and leases to total assets | 62.9970% | 5,067 |
| Net loans and leases to deposits | 73.4139% | 5,457 |
| Net loans and leases to core deposits | 86.9373% | 5,769 |
| Total domestic deposits to total assets | 85.8108% | 2,801 |
| Equity capital to assets | 9.0208% | 5,452 |
| Core capital (leverage) ratio | 7.5919% | 6,872 |
| Tier 1 risk-based capital ratio | 12.4559% | 4,581 |
| Total risk-based capital ratio | 13.7080% | 4,530 |
| Memoranda: |
| Average total assets | $83,791,250 | 5,625 |
| Average earning assets | $75,265,750 | 5,662 |
| Average equity | $7,532,000 | 6,137 |
| Average total loans | $54,015,250 | 5,554 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6208% | 3,965 |
| Cost of funding earning assets | 2.0893% | 3,324 |
| Net interest margin | 3.5315% | 4,654 |
| Noninterest income to average assets | 0.8186% | 2,322 |
| Noninterest expense to average assets | 4.1166% | 1,169 |
| Loan and lease loss provision to assets | 1.7819% | 931 |
| Net operating income to assets | -1.1508% | 7,083 |
| Return on assets (ROA) | -1.1508% | 7,091 |
| Pretax return on assets | -1.9076% | 7,252 |
| Return on Equity (ROE) | -12.8166% | 7,219 |
| Retained earnings to average equity (ytd only) | -12.8166% | 7,104 |
| Net charge-offs to loans | 2.0589% | 900 |
| Credit loss provision to net charge-offs | 133.8681% | 3,482 |
| Earnings coverage of net charge-offs (x) | -0.0945% | 5,791 |
| Efficiency ratio | 103.1510% | 1,055 |
| Assets per employee ($millions) | 2.2806% | 7,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4090% | 3,675 |
| Loan loss allowance to noncurrent loans | 43.4479% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 3.0085% | 2,114 |
| Noncurrent loans to loans | 3.2430% | 2,192 |
| Net loans and leases to total assets | 63.5770% | 5,067 |
| Net loans and leases to deposits | 74.1270% | 5,434 |
| Net loans and leases to core deposits | 88.7993% | 5,653 |
| Total domestic deposits to total assets | 85.7677% | 2,896 |
| Equity capital to assets | 8.9364% | 5,403 |
| Core capital (leverage) ratio | 7.6640% | 6,809 |
| Tier 1 risk-based capital ratio | 12.5971% | 4,445 |
| Total risk-based capital ratio | 13.8487% | 4,364 |
| Memoranda: |
| Average total assets | $84,292,330 | 5,639 |
| Average earning assets | $75,719,000 | 5,682 |
| Average equity | $7,568,330 | 6,157 |
| Average total loans | $54,495,670 | 5,579 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7209% | 3,691 |
| Cost of funding earning assets | 2.1107% | 3,603 |
| Net interest margin | 3.6101% | 4,276 |
| Noninterest income to average assets | 0.9510% | 1,636 |
| Noninterest expense to average assets | 4.4269% | 766 |
| Loan and lease loss provision to assets | 2.0331% | 591 |
| Net operating income to assets | -1.4007% | 7,459 |
| Return on assets (ROA) | -1.4007% | 7,473 |
| Pretax return on assets | -2.2720% | 7,610 |
| Return on Equity (ROE) | -15.5648% | 7,631 |
| Retained earnings to average equity (ytd only) | -15.5648% | 7,467 |
| Net charge-offs to loans | 2.4244% | 592 |
| Credit loss provision to net charge-offs | 129.5522% | 3,096 |
| Earnings coverage of net charge-offs (x) | -0.1522% | 5,109 |
| Efficiency ratio | 105.7047% | 931 |
| Assets per employee ($millions) | 2.4344% | 7,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2018% | 4,795 |
| Loan loss allowance to noncurrent loans | 35.0080% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 3.2346% | 1,709 |
| Noncurrent loans to loans | 3.4329% | 1,863 |
| Net loans and leases to total assets | 63.1970% | 5,123 |
| Net loans and leases to deposits | 74.6206% | 5,408 |
| Net loans and leases to core deposits | 90.3943% | 5,519 |
| Total domestic deposits to total assets | 84.6910% | 3,367 |
| Equity capital to assets | 8.8316% | 5,572 |
| Core capital (leverage) ratio | 8.1373% | 6,210 |
| Tier 1 risk-based capital ratio | 13.0123% | 4,173 |
| Total risk-based capital ratio | 14.2511% | 4,109 |
| Memoranda: |
| Average total assets | $85,387,500 | 5,632 |
| Average earning assets | $76,562,000 | 5,671 |
| Average equity | $7,684,000 | 6,161 |
| Average total loans | $55,271,500 | 5,581 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1845% | 4,592 |
| Cost of funding earning assets | 2.5939% | 3,716 |
| Net interest margin | 3.5906% | 4,935 |
| Noninterest income to average assets | 1.0352% | 1,469 |
| Noninterest expense to average assets | 4.1454% | 1,209 |
| Loan and lease loss provision to assets | 0.2179% | 4,708 |
| Net operating income to assets | 0.0483% | 6,237 |
| Return on assets (ROA) | 0.0715% | 6,028 |
| Pretax return on assets | -0.0534% | 6,214 |
| Return on Equity (ROE) | 0.8254% | 5,968 |
| Retained earnings to average equity (ytd only) | 0.3144% | 5,052 |
| Net charge-offs to loans | 0.3054% | 3,361 |
| Credit loss provision to net charge-offs | 108.4746% | 4,954 |
| Earnings coverage of net charge-offs (x) | 0.6384% | 5,841 |
| Efficiency ratio | 96.9987% | 1,097 |
| Assets per employee ($millions) | 2.4449% | 7,309 |
| Cash dividends to net income (ytd only)* | 61.9048% | 2,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9921% | 6,130 |
| Loan loss allowance to noncurrent loans | 33.4940% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 2.8725% | 1,624 |
| Noncurrent loans to loans | 2.9621% | 1,814 |
| Net loans and leases to total assets | 64.8417% | 5,097 |
| Net loans and leases to deposits | 77.1321% | 5,451 |
| Net loans and leases to core deposits | 92.2597% | 5,611 |
| Total domestic deposits to total assets | 84.0657% | 3,295 |
| Equity capital to assets | 9.1656% | 5,135 |
| Core capital (leverage) ratio | 8.9237% | 4,854 |
| Tier 1 risk-based capital ratio | 14.2833% | 3,403 |
| Total risk-based capital ratio | 15.3297% | 3,428 |
| Memoranda: |
| Average total assets | $88,097,400 | 5,414 |
| Average earning assets | $79,456,600 | 5,448 |
| Average equity | $7,632,600 | 6,234 |
| Average total loans | $57,948,600 | 5,366 |
