Home > State Bank of Cerro Gordo > Performance and Condition Ratios
State Bank of Cerro Gordo, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2077% | 4,526 |
| Cost of funding earning assets | 0.0572% | 4,550 |
| Net interest margin | 2.1505% | 4,399 |
| Noninterest income to average assets | 0.3036% | 3,290 |
| Noninterest expense to average assets | 2.2660% | 2,630 |
| Loan and lease loss provision to assets | 0.0217% | 1,963 |
| Net operating income to assets | 0.0542% | 4,512 |
| Return on assets (ROA) | 0.0542% | 4,488 |
| Pretax return on assets | 0.0542% | 4,486 |
| Return on Equity (ROE) | 0.5262% | 4,480 |
| Retained earnings to average equity (ytd only) | -31.0445% | 4,749 |
| Net charge-offs to loans | 0.3064% | 211 |
| Credit loss provision to net charge-offs | 20.0000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 1,762 |
| Efficiency ratio | 96.7593% | 308 |
| Assets per employee ($millions) | 7.5086% | 1,678 |
| Cash dividends to net income (ytd only)* | 6,000.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 4,542 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,995 |
| Noncurrent loans to loans | 0.0243% | 3,818 |
| Net loans and leases to total assets | 32.6479% | 4,351 |
| Net loans and leases to deposits | 35.9095% | 4,385 |
| Net loans and leases to core deposits | 36.4922% | 4,415 |
| Total domestic deposits to total assets | 90.9171% | 1,078 |
| Equity capital to assets | 9.0190% | 2,693 |
| Core capital (leverage) ratio | 8.8421% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2934% | 613 |
| Memoranda: | ||
| Average total assets | $36,894,000 | 4,655 |
| Average earning assets | $34,968,000 | 4,640 |
| Average equity | $3,801,000 | 4,669 |
| Average total loans | $13,053,500 | 4,631 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1210% | 4,645 |
| Cost of funding earning assets | 0.0777% | 4,548 |
| Net interest margin | 2.0433% | 4,577 |
| Noninterest income to average assets | 0.4642% | 2,752 |
| Noninterest expense to average assets | 2.1678% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2180% | 4,519 |
| Return on assets (ROA) | 0.2083% | 4,543 |
| Pretax return on assets | 0.2268% | 4,548 |
| Return on Equity (ROE) | 1.8262% | 4,517 |
| Retained earnings to average equity (ytd only) | -0.4854% | 4,547 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1316% | 326 |
| Assets per employee ($millions) | 7.2490% | 1,763 |
| Cash dividends to net income (ytd only)* | 126.5823% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 4,582 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,077 |
| Noncurrent loans to loans | 0.0218% | 3,912 |
| Net loans and leases to total assets | 37.8149% | 4,202 |
| Net loans and leases to deposits | 42.9561% | 4,227 |
| Net loans and leases to core deposits | 43.7012% | 4,278 |
| Total domestic deposits to total assets | 88.0315% | 2,028 |
| Equity capital to assets | 11.6319% | 1,433 |
| Core capital (leverage) ratio | 9.8350% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4298% | 610 |
| Memoranda: | ||
| Average total assets | $37,918,600 | 4,682 |
| Average earning assets | $36,020,000 | 4,659 |
| Average equity | $4,326,000 | 4,683 |
| Average total loans | $12,846,400 | 4,684 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0770% | 4,748 |
| Cost of funding earning assets | 0.0806% | 4,630 |
| Net interest margin | 1.9965% | 4,680 |
| Noninterest income to average assets | 0.4591% | 2,802 |
| Noninterest expense to average assets | 2.1389% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1970% | 4,628 |
| Return on assets (ROA) | 0.1843% | 4,658 |
| Pretax return on assets | 0.2017% | 4,664 |
| Return on Equity (ROE) | 1.6232% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.6232% | 4,290 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8419% | 298 |
| Assets per employee ($millions) | 7.5844% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 4,619 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,198 |
| Noncurrent loans to loans | 0.0242% | 4,024 |
| Net loans and leases to total assets | 32.4693% | 4,530 |
| Net loans and leases to deposits | 36.9062% | 4,549 |
| Net loans and leases to core deposits | 37.5179% | 4,580 |
| Total domestic deposits to total assets | 87.9780% | 1,858 |
| Equity capital to assets | 11.5316% | 1,650 |
| Core capital (leverage) ratio | 10.7769% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2329% | 522 |
| Memoranda: | ||
| Average total assets | $38,337,000 | 4,748 |
| Average earning assets | $36,397,000 | 4,724 |
| Average equity | $4,353,500 | 4,751 |
| Average total loans | $12,612,500 | 4,761 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0596% | 4,792 |
| Cost of funding earning assets | 0.0822% | 4,688 |
| Net interest margin | 1.9774% | 4,717 |
| Noninterest income to average assets | 0.4886% | 2,672 |
| Noninterest expense to average assets | 2.1520% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1963% | 4,639 |
| Return on assets (ROA) | 0.1819% | 4,666 |
| Pretax return on assets | 0.1975% | 4,670 |
| Return on Equity (ROE) | 1.6103% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.6103% | 4,216 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9890% | 314 |
| Assets per employee ($millions) | 7.2284% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 4,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 34.0214% | 4,539 |
| Net loans and leases to deposits | 38.8991% | 4,551 |
| Net loans and leases to core deposits | 39.5802% | 4,588 |
| Total domestic deposits to total assets | 87.4606% | 2,115 |
| Equity capital to assets | 12.0359% | 1,339 |
| Core capital (leverage) ratio | 9.6795% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4429% | 513 |
| Memoranda: | ||
| Average total assets | $38,475,333 | 4,777 |
| Average earning assets | $36,512,667 | 4,752 |
| Average equity | $4,347,000 | 4,781 |
| Average total loans | $12,687,000 | 4,794 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0437% | 4,829 |
| Cost of funding earning assets | 0.0953% | 4,684 |
| Net interest margin | 1.9484% | 4,754 |
| Noninterest income to average assets | 0.5146% | 2,547 |
| Noninterest expense to average assets | 2.2098% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1506% | 4,671 |
| Return on assets (ROA) | 0.1413% | 4,698 |
| Pretax return on assets | 0.1514% | 4,701 |
| Return on Equity (ROE) | 1.2887% | 4,681 |
| Retained earnings to average equity (ytd only) | 1.2887% | 4,159 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1915% | 297 |
| Assets per employee ($millions) | 6.8177% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 4,684 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,958 |
| Noncurrent loans to loans | 0.1907% | 3,420 |
| Net loans and leases to total assets | 30.5848% | 4,679 |
| Net loans and leases to deposits | 38.5999% | 4,608 |
| Net loans and leases to core deposits | 39.2588% | 4,641 |
| Total domestic deposits to total assets | 79.2353% | 4,309 |
| Equity capital to assets | 10.5559% | 2,209 |
| Core capital (leverage) ratio | 9.2989% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2529% | 653 |
| Memoranda: | ||
| Average total assets | $39,642,000 | 4,789 |
| Average earning assets | $37,774,500 | 4,757 |
| Average equity | $4,345,500 | 4,805 |
| Average total loans | $12,844,500 | 4,818 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7078% | 4,790 |
| Cost of funding earning assets | 0.1689% | 4,678 |
| Net interest margin | 2.5389% | 4,553 |
| Noninterest income to average assets | 0.3755% | 3,237 |
| Noninterest expense to average assets | 2.5626% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1670% | 4,609 |
| Return on assets (ROA) | 0.1749% | 4,659 |
| Pretax return on assets | 0.1921% | 4,659 |
| Return on Equity (ROE) | 1.4200% | 4,631 |
| Retained earnings to average equity (ytd only) | 0.2561% | 4,442 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3194% | 285 |
| Assets per employee ($millions) | 6.3963% | 2,005 |
| Cash dividends to net income (ytd only)* | 81.9672% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 4,727 |
| Loan loss allowance to noncurrent loans | 7,600.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,460 |
| Noncurrent loans to loans | 0.0076% | 4,356 |
| Net loans and leases to total assets | 33.9413% | 4,651 |
| Net loans and leases to deposits | 43.7055% | 4,540 |
| Net loans and leases to core deposits | 44.5151% | 4,585 |
| Total domestic deposits to total assets | 77.6591% | 4,354 |
| Equity capital to assets | 11.3945% | 1,963 |
| Core capital (leverage) ratio | 9.5159% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8979% | 671 |
| Memoranda: | ||
| Average total assets | $34,885,800 | 4,830 |
| Average earning assets | $32,572,800 | 4,818 |
| Average equity | $4,295,800 | 4,821 |
| Average total loans | $12,663,800 | 4,848 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8380% | 4,817 |
| Cost of funding earning assets | 0.1813% | 4,727 |
| Net interest margin | 2.6567% | 4,520 |
| Noninterest income to average assets | 0.3763% | 3,201 |
| Noninterest expense to average assets | 2.6225% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2042% | 4,586 |
| Return on assets (ROA) | 0.2078% | 4,620 |
| Pretax return on assets | 0.2274% | 4,628 |
| Return on Equity (ROE) | 1.6524% | 4,603 |
| Retained earnings to average equity (ytd only) | 0.8730% | 4,290 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1488% | 309 |
| Assets per employee ($millions) | 6.5638% | 1,777 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6032% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 31.8005% | 4,792 |
| Net loans and leases to deposits | 40.6927% | 4,732 |
| Net loans and leases to core deposits | 41.4222% | 4,762 |
| Total domestic deposits to total assets | 78.1479% | 4,175 |
| Equity capital to assets | 11.1317% | 2,298 |
| Core capital (leverage) ratio | 10.1745% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7017% | 605 |
| Memoranda: | ||
| Average total assets | $34,012,750 | 4,865 |
| Average earning assets | $31,617,250 | 4,855 |
| Average equity | $4,276,500 | 4,847 |
| Average total loans | $12,554,250 | 4,879 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0562% | 4,810 |
| Cost of funding earning assets | 0.1931% | 4,777 |
| Net interest margin | 2.8631% | 4,365 |
| Noninterest income to average assets | 0.3786% | 3,208 |
| Noninterest expense to average assets | 2.7993% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2234% | 4,536 |
| Return on assets (ROA) | 0.2234% | 4,575 |
| Pretax return on assets | 0.2483% | 4,589 |
| Return on Equity (ROE) | 1.6978% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.6978% | 3,875 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8534% | 345 |
| Assets per employee ($millions) | 5.1051% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 4,698 |
| Loan loss allowance to noncurrent loans | 281.4815% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 4,145 |
| Noncurrent loans to loans | 0.2247% | 3,575 |
| Net loans and leases to total assets | 33.4173% | 4,794 |
| Net loans and leases to deposits | 44.0339% | 4,704 |
| Net loans and leases to core deposits | 44.9285% | 4,737 |
| Total domestic deposits to total assets | 75.8899% | 4,437 |
| Equity capital to assets | 12.2873% | 1,489 |
| Core capital (leverage) ratio | 11.1856% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9089% | 589 |
| Memoranda: | ||
| Average total assets | $32,222,667 | 4,910 |
| Average earning assets | $30,037,333 | 4,897 |
| Average equity | $4,240,667 | 4,878 |
| Average total loans | $12,539,000 | 4,910 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 4,726 |
| Cost of funding earning assets | 0.2129% | 4,863 |
| Net interest margin | 3.1940% | 3,873 |
| Noninterest income to average assets | 0.4201% | 2,969 |
| Noninterest expense to average assets | 2.9804% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3545% | 4,236 |
| Return on assets (ROA) | 0.3545% | 4,266 |
| Pretax return on assets | 0.3939% | 4,302 |
| Return on Equity (ROE) | 2.5927% | 4,315 |
| Retained earnings to average equity (ytd only) | 2.5927% | 3,232 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3268% | 572 |
| Assets per employee ($millions) | 4.4274% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6126% | 4,739 |
| Loan loss allowance to noncurrent loans | 292.3077% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,185 |
| Noncurrent loans to loans | 0.2096% | 3,726 |
| Net loans and leases to total assets | 39.7877% | 4,673 |
| Net loans and leases to deposits | 46.0628% | 4,721 |
| Net loans and leases to core deposits | 47.0093% | 4,751 |
| Total domestic deposits to total assets | 86.3771% | 1,838 |
| Equity capital to assets | 13.3486% | 1,284 |
| Core capital (leverage) ratio | 12.0437% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7450% | 586 |
| Memoranda: | ||
| Average total assets | $30,466,000 | 4,967 |
| Average earning assets | $28,178,000 | 4,958 |
| Average equity | $4,165,500 | 4,925 |
| Average total loans | $12,799,500 | 4,946 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5776% | 4,797 |
| Cost of funding earning assets | 0.1941% | 4,974 |
| Net interest margin | 3.3835% | 3,787 |
| Noninterest income to average assets | 0.4241% | 3,147 |
| Noninterest expense to average assets | 2.7937% | 2,623 |
| Loan and lease loss provision to assets | 0.0337% | 3,338 |
| Net operating income to assets | 0.6059% | 4,138 |
| Return on assets (ROA) | 0.6059% | 4,200 |
| Pretax return on assets | 0.7068% | 4,197 |
| Return on Equity (ROE) | 4.3548% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.9355% | 4,028 |
| Net charge-offs to loans | 0.1549% | 1,294 |
| Credit loss provision to net charge-offs | 50.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,526 |
| Efficiency ratio | 79.0476% | 1,031 |
| Assets per employee ($millions) | 4.2771% | 3,536 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5761% | 4,783 |
| Loan loss allowance to noncurrent loans | 292.3077% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,208 |
| Noncurrent loans to loans | 0.1971% | 3,750 |
| Net loans and leases to total assets | 43.8076% | 4,609 |
| Net loans and leases to deposits | 51.1664% | 4,637 |
| Net loans and leases to core deposits | 52.2633% | 4,698 |
| Total domestic deposits to total assets | 85.6179% | 2,229 |
| Equity capital to assets | 14.0080% | 1,093 |
| Core capital (leverage) ratio | 12.3961% | 1,539 |
| Tier 1 risk-based capital ratio | 22.0356% | 1,018 |
| Total risk-based capital ratio | 22.5180% | 1,100 |
| Memoranda: | ||
| Average total assets | $29,709,400 | 5,028 |
| Average earning assets | $27,308,800 | 5,018 |
| Average equity | $4,133,400 | 4,976 |
| Average total loans | $12,914,000 | 5,007 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 4,906 |
| Cost of funding earning assets | 0.1813% | 5,071 |
| Net interest margin | 3.3903% | 3,885 |
| Noninterest income to average assets | 0.4227% | 3,191 |
| Noninterest expense to average assets | 2.7968% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6250% | 4,228 |
| Return on assets (ROA) | 0.6250% | 4,281 |
| Pretax return on assets | 0.7374% | 4,266 |
| Return on Equity (ROE) | 4.5002% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.5002% | 3,141 |
| Net charge-offs to loans | 0.0104% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 164.4060% | 507 |
| Efficiency ratio | 79.1349% | 1,000 |
| Assets per employee ($millions) | 4.4391% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 4,691 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,672 |
| Noncurrent loans to loans | 0.0398% | 4,476 |
| Net loans and leases to total assets | 40.1364% | 4,814 |
| Net loans and leases to deposits | 46.7309% | 4,855 |
| Net loans and leases to core deposits | 47.6922% | 4,882 |
| Total domestic deposits to total assets | 85.8885% | 2,041 |
| Equity capital to assets | 13.6899% | 1,276 |
| Core capital (leverage) ratio | 13.1923% | 1,259 |
| Tier 1 risk-based capital ratio | 24.5911% | 799 |
| Total risk-based capital ratio | 25.1864% | 832 |
| Memoranda: | ||
| Average total assets | $29,651,750 | 5,105 |
| Average earning assets | $27,214,000 | 5,095 |
| Average equity | $4,118,250 | 5,052 |
| Average total loans | $12,844,500 | 5,091 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 4,925 |
| Cost of funding earning assets | 0.1786% | 5,118 |
| Net interest margin | 3.4308% | 3,797 |
| Noninterest income to average assets | 0.4318% | 3,053 |
| Noninterest expense to average assets | 2.8378% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6375% | 4,203 |
| Return on assets (ROA) | 0.6375% | 4,251 |
| Pretax return on assets | 0.7540% | 4,209 |
| Return on Equity (ROE) | 4.5667% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.5667% | 2,993 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0076% | 1,059 |
| Assets per employee ($millions) | 4.1344% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,718 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,678 |
| Noncurrent loans to loans | 0.0488% | 4,469 |
| Net loans and leases to total assets | 42.1996% | 4,775 |
| Net loans and leases to deposits | 49.5778% | 4,817 |
| Net loans and leases to core deposits | 50.6806% | 4,853 |
| Total domestic deposits to total assets | 85.1180% | 2,426 |
| Equity capital to assets | 14.4743% | 955 |
| Core capital (leverage) ratio | 13.1585% | 1,233 |
| Tier 1 risk-based capital ratio | 23.5343% | 892 |
| Total risk-based capital ratio | 24.1072% | 935 |
| Memoranda: | ||
| Average total assets | $29,177,670 | 5,153 |
| Average earning assets | $26,874,000 | 5,145 |
| Average equity | $4,073,000 | 5,092 |
| Average total loans | $12,940,330 | 5,131 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 4,948 |
| Cost of funding earning assets | 0.1483% | 5,211 |
| Net interest margin | 3.4701% | 3,679 |
| Noninterest income to average assets | 0.4096% | 3,118 |
| Noninterest expense to average assets | 2.8127% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6690% | 4,028 |
| Return on assets (ROA) | 0.6690% | 4,066 |
| Pretax return on assets | 0.7919% | 4,063 |
| Return on Equity (ROE) | 4.8817% | 4,351 |
| Retained earnings to average equity (ytd only) | 4.8817% | 2,955 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0303% | 1,261 |
| Assets per employee ($millions) | 4.1236% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,807 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,713 |
| Noncurrent loans to loans | 0.0633% | 4,479 |
| Net loans and leases to total assets | 43.4748% | 4,763 |
| Net loans and leases to deposits | 50.8057% | 4,795 |
| Net loans and leases to core deposits | 51.9326% | 4,836 |
| Total domestic deposits to total assets | 85.5708% | 2,457 |
| Equity capital to assets | 14.1452% | 986 |
| Core capital (leverage) ratio | 12.8696% | 1,335 |
| Tier 1 risk-based capital ratio | 23.3219% | 904 |
| Total risk-based capital ratio | 23.8940% | 950 |
| Memoranda: | ||
| Average total assets | $29,296,000 | 5,207 |
| Average earning assets | $26,973,000 | 5,199 |
| Average equity | $4,015,000 | 5,149 |
| Average total loans | $13,261,000 | 5,182 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 4,982 |
| Cost of funding earning assets | 0.1075% | 5,273 |
| Net interest margin | 3.3244% | 4,197 |
| Noninterest income to average assets | 0.4213% | 3,304 |
| Noninterest expense to average assets | 2.8869% | 2,402 |
| Loan and lease loss provision to assets | 0.0069% | 3,982 |
| Net operating income to assets | 0.5560% | 4,533 |
| Return on assets (ROA) | 0.5560% | 4,530 |
| Pretax return on assets | 0.6250% | 4,586 |
| Return on Equity (ROE) | 4.0971% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.5523% | 4,516 |
| Net charge-offs to loans | 0.0309% | 2,782 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 45.7500% | 1,199 |
| Efficiency ratio | 82.0412% | 802 |
| Assets per employee ($millions) | 4.2467% | 3,547 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6193% | 4,943 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,852 |
| Noncurrent loans to loans | 0.0216% | 4,688 |
| Net loans and leases to total assets | 46.4258% | 4,719 |
| Net loans and leases to deposits | 53.5878% | 4,766 |
| Net loans and leases to core deposits | 54.7246% | 4,824 |
| Total domestic deposits to total assets | 86.6350% | 1,951 |
| Equity capital to assets | 13.2775% | 1,224 |
| Core capital (leverage) ratio | 12.4484% | 1,485 |
| Tier 1 risk-based capital ratio | 20.3933% | 1,245 |
| Total risk-based capital ratio | 20.8836% | 1,346 |
| Memoranda: | ||
| Average total assets | $28,958,400 | 5,256 |
| Average earning assets | $26,982,400 | 5,239 |
| Average equity | $3,929,600 | 5,190 |
| Average total loans | $12,936,600 | 5,235 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3750% | 5,062 |
| Cost of funding earning assets | 0.1047% | 5,342 |
| Net interest margin | 3.2704% | 4,358 |
| Noninterest income to average assets | 0.4264% | 3,311 |
| Noninterest expense to average assets | 2.8737% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5655% | 4,602 |
| Return on assets (ROA) | 0.5655% | 4,608 |
| Pretax return on assets | 0.5933% | 4,746 |
| Return on Equity (ROE) | 4.1439% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.1439% | 3,701 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8877% | 711 |
| Assets per employee ($millions) | 4.1196% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,917 |
| Loan loss allowance to noncurrent loans | 463.1579% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,650 |
| Noncurrent loans to loans | 0.1462% | 4,232 |
| Net loans and leases to total assets | 44.7689% | 4,852 |
| Net loans and leases to deposits | 51.9350% | 4,887 |
| Net loans and leases to core deposits | 53.0773% | 4,935 |
| Total domestic deposits to total assets | 86.2018% | 2,099 |
| Equity capital to assets | 13.6907% | 1,060 |
| Core capital (leverage) ratio | 13.0164% | 1,274 |
| Tier 1 risk-based capital ratio | 21.9248% | 1,061 |
| Total risk-based capital ratio | 22.4578% | 1,136 |
| Memoranda: | ||
| Average total assets | $28,766,250 | 5,327 |
| Average earning assets | $26,744,500 | 5,308 |
| Average equity | $3,925,250 | 5,254 |
| Average total loans | $12,699,000 | 5,305 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 5,125 |
| Cost of funding earning assets | 0.1046% | 5,397 |
| Net interest margin | 3.2122% | 4,470 |
| Noninterest income to average assets | 0.4245% | 3,325 |
| Noninterest expense to average assets | 2.8877% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5010% | 4,750 |
| Return on assets (ROA) | 0.5010% | 4,752 |
| Pretax return on assets | 0.5288% | 4,855 |
| Return on Equity (ROE) | 3.6757% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.6757% | 3,757 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5214% | 659 |
| Assets per employee ($millions) | 4.0047% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 4,921 |
| Loan loss allowance to noncurrent loans | 733.3333% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,809 |
| Noncurrent loans to loans | 0.0971% | 4,479 |
| Net loans and leases to total assets | 43.7698% | 4,917 |
| Net loans and leases to deposits | 50.9678% | 4,948 |
| Net loans and leases to core deposits | 52.1240% | 4,990 |
| Total domestic deposits to total assets | 85.8774% | 2,334 |
| Equity capital to assets | 14.0121% | 925 |
| Core capital (leverage) ratio | 13.0609% | 1,198 |
| Tier 1 risk-based capital ratio | 22.4762% | 988 |
| Total risk-based capital ratio | 23.0367% | 1,045 |
| Memoranda: | ||
| Average total assets | $28,742,670 | 5,390 |
| Average earning assets | $26,773,330 | 5,374 |
| Average equity | $3,917,670 | 5,314 |
| Average total loans | $12,599,330 | 5,366 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3188% | 5,116 |
| Cost of funding earning assets | 0.1185% | 5,397 |
| Net interest margin | 3.2003% | 4,457 |
| Noninterest income to average assets | 0.4399% | 3,182 |
| Noninterest expense to average assets | 2.8181% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5636% | 4,533 |
| Return on assets (ROA) | 0.5636% | 4,536 |
| Pretax return on assets | 0.5911% | 4,706 |
| Return on Equity (ROE) | 4.1917% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.1917% | 3,512 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6613% | 889 |
| Assets per employee ($millions) | 3.9536% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 5,015 |
| Loan loss allowance to noncurrent loans | 517.6471% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,785 |
| Noncurrent loans to loans | 0.1369% | 4,353 |
| Net loans and leases to total assets | 44.5637% | 4,870 |
| Net loans and leases to deposits | 51.9372% | 4,883 |
| Net loans and leases to core deposits | 53.1320% | 4,945 |
| Total domestic deposits to total assets | 85.8031% | 2,632 |
| Equity capital to assets | 14.0668% | 874 |
| Core capital (leverage) ratio | 12.7453% | 1,275 |
| Tier 1 risk-based capital ratio | 21.7561% | 1,092 |
| Total risk-based capital ratio | 22.2972% | 1,174 |
| Memoranda: | ||
| Average total assets | $29,097,500 | 5,447 |
| Average earning assets | $26,997,500 | 5,432 |
| Average equity | $3,912,500 | 5,372 |
| Average total loans | $12,720,000 | 5,429 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,068 |
| Cost of funding earning assets | 0.1015% | 5,493 |
| Net interest margin | 3.2117% | 4,418 |
| Noninterest income to average assets | 0.4297% | 3,442 |
| Noninterest expense to average assets | 3.1161% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1953% | 5,121 |
| Return on assets (ROA) | 0.2203% | 5,090 |
| Pretax return on assets | 0.3214% | 5,186 |
| Return on Equity (ROE) | 1.5375% | 5,149 |
| Retained earnings to average equity (ytd only) | 0.4033% | 4,871 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6136% | 363 |
| Assets per employee ($millions) | 4.3600% | 3,389 |
| Cash dividends to net income (ytd only)* | 73.7705% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 5,111 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,060 |
| Noncurrent loans to loans | 0.0461% | 4,790 |
| Net loans and leases to total assets | 42.3689% | 5,054 |
| Net loans and leases to deposits | 48.7080% | 5,104 |
| Net loans and leases to core deposits | 55.9493% | 4,937 |
| Total domestic deposits to total assets | 86.9856% | 2,005 |
| Equity capital to assets | 12.8834% | 1,322 |
| Core capital (leverage) ratio | 12.6836% | 1,271 |
| Tier 1 risk-based capital ratio | 21.3016% | 1,097 |
| Total risk-based capital ratio | 21.8524% | 1,187 |
| Memoranda: | ||
| Average total assets | $27,694,600 | 5,522 |
| Average earning assets | $25,624,800 | 5,501 |
| Average equity | $3,967,400 | 5,424 |
| Average total loans | $11,871,400 | 5,507 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3314% | 5,065 |
| Cost of funding earning assets | 0.1016% | 5,552 |
| Net interest margin | 3.2297% | 4,386 |
| Noninterest income to average assets | 0.4496% | 3,335 |
| Noninterest expense to average assets | 3.0729% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3261% | 5,167 |
| Return on assets (ROA) | 0.3705% | 5,083 |
| Pretax return on assets | 0.4101% | 5,170 |
| Return on Equity (ROE) | 2.5149% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.5149% | 4,386 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4964% | 429 |
| Assets per employee ($millions) | 4.0459% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 5,034 |
| Loan loss allowance to noncurrent loans | 556.2500% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,398 |
| Noncurrent loans to loans | 0.1340% | 4,522 |
| Net loans and leases to total assets | 41.8488% | 5,119 |
| Net loans and leases to deposits | 48.9732% | 5,161 |
| Net loans and leases to core deposits | 50.0782% | 5,195 |
| Total domestic deposits to total assets | 85.4525% | 2,535 |
| Equity capital to assets | 14.3392% | 897 |
| Core capital (leverage) ratio | 13.4086% | 1,057 |
| Tier 1 risk-based capital ratio | 21.1439% | 1,172 |
| Total risk-based capital ratio | 21.6964% | 1,259 |
| Memoranda: | ||
| Average total assets | $26,988,250 | 5,591 |
| Average earning assets | $24,934,250 | 5,575 |
| Average equity | $3,976,250 | 5,481 |
| Average total loans | $11,584,500 | 5,569 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 5,037 |
| Cost of funding earning assets | 0.1060% | 5,580 |
| Net interest margin | 3.2361% | 4,307 |
| Noninterest income to average assets | 0.4747% | 3,180 |
| Noninterest expense to average assets | 3.0817% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3466% | 5,106 |
| Return on assets (ROA) | 0.3466% | 5,128 |
| Pretax return on assets | 0.3843% | 5,202 |
| Return on Equity (ROE) | 2.3303% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.3303% | 4,285 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9130% | 511 |
| Assets per employee ($millions) | 3.2220% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 5,037 |
| Loan loss allowance to noncurrent loans | 550.0000% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 4,399 |
| Noncurrent loans to loans | 0.1390% | 4,559 |
| Net loans and leases to total assets | 44.3281% | 5,023 |
| Net loans and leases to deposits | 52.7005% | 5,029 |
| Net loans and leases to core deposits | 54.0287% | 5,087 |
| Total domestic deposits to total assets | 84.1131% | 3,150 |
| Equity capital to assets | 15.6813% | 575 |
| Core capital (leverage) ratio | 13.7478% | 926 |
| Tier 1 risk-based capital ratio | 23.0075% | 952 |
| Total risk-based capital ratio | 23.5938% | 991 |
| Memoranda: | ||
| Average total assets | $26,544,000 | 5,642 |
| Average earning assets | $24,535,330 | 5,627 |
| Average equity | $3,948,000 | 5,526 |
| Average total loans | $11,465,670 | 5,621 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 5,168 |
| Cost of funding earning assets | 0.0967% | 5,662 |
| Net interest margin | 3.1582% | 4,476 |
| Noninterest income to average assets | 0.4753% | 3,149 |
| Noninterest expense to average assets | 2.9709% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3714% | 5,017 |
| Return on assets (ROA) | 0.3714% | 5,040 |
| Pretax return on assets | 0.4159% | 5,133 |
| Return on Equity (ROE) | 2.5634% | 5,210 |
| Retained earnings to average equity (ytd only) | 2.5634% | 4,113 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7193% | 679 |
| Assets per employee ($millions) | 3.8220% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 5,149 |
| Loan loss allowance to noncurrent loans | 517.6471% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 4,465 |
| Noncurrent loans to loans | 0.1486% | 4,591 |
| Net loans and leases to total assets | 42.4273% | 5,136 |
| Net loans and leases to deposits | 49.8244% | 5,143 |
| Net loans and leases to core deposits | 51.0180% | 5,188 |
| Total domestic deposits to total assets | 85.1536% | 3,026 |
| Equity capital to assets | 14.7305% | 704 |
| Core capital (leverage) ratio | 13.2923% | 1,037 |
| Tier 1 risk-based capital ratio | 22.2557% | 1,059 |
| Total risk-based capital ratio | 22.8331% | 1,118 |
| Memoranda: | ||
| Average total assets | $26,928,000 | 5,704 |
| Average earning assets | $24,824,000 | 5,687 |
| Average equity | $3,901,000 | 5,593 |
| Average total loans | $11,441,500 | 5,684 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1879% | 5,319 |
| Cost of funding earning assets | 0.1101% | 5,656 |
| Net interest margin | 3.0778% | 4,781 |
| Noninterest income to average assets | 0.4722% | 3,398 |
| Noninterest expense to average assets | 3.0342% | 2,241 |
| Loan and lease loss provision to assets | 0.0297% | 3,759 |
| Net operating income to assets | 0.1956% | 5,427 |
| Return on assets (ROA) | 0.3309% | 5,215 |
| Pretax return on assets | 0.3644% | 5,276 |
| Return on Equity (ROE) | 2.2212% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.3477% | 4,736 |
| Net charge-offs to loans | 0.0093% | 3,949 |
| Credit loss provision to net charge-offs | 800.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 833 |
| Efficiency ratio | 92.5170% | 443 |
| Assets per employee ($millions) | 3.8717% | 4,187 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 5,187 |
| Loan loss allowance to noncurrent loans | 880.0000% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,658 |
| Noncurrent loans to loans | 0.0874% | 4,887 |
| Net loans and leases to total assets | 41.9010% | 5,237 |
| Net loans and leases to deposits | 48.8998% | 5,253 |
| Net loans and leases to core deposits | 50.0485% | 5,299 |
| Total domestic deposits to total assets | 85.6874% | 2,735 |
| Equity capital to assets | 14.2462% | 809 |
| Core capital (leverage) ratio | 12.8532% | 1,187 |
| Tier 1 risk-based capital ratio | 21.2569% | 1,166 |
| Total risk-based capital ratio | 21.8244% | 1,250 |
| Memoranda: | ||
| Average total assets | $26,893,400 | 5,759 |
| Average earning assets | $24,530,600 | 5,740 |
| Average equity | $4,006,800 | 5,641 |
| Average total loans | $10,704,000 | 5,749 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1575% | 5,424 |
| Cost of funding earning assets | 0.1093% | 5,723 |
| Net interest margin | 3.0482% | 4,904 |
| Noninterest income to average assets | 0.4868% | 3,342 |
| Noninterest expense to average assets | 3.0400% | 2,203 |
| Loan and lease loss provision to assets | 0.0398% | 3,446 |
| Net operating income to assets | 0.1620% | 5,532 |
| Return on assets (ROA) | 0.3428% | 5,264 |
| Pretax return on assets | 0.3775% | 5,346 |
| Return on Equity (ROE) | 2.2754% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.2754% | 4,558 |
| Net charge-offs to loans | 0.0126% | 3,510 |
| Credit loss provision to net charge-offs | 800.0000% | 505 |
| Earnings coverage of net charge-offs (x) | 44.1128% | 1,165 |
| Efficiency ratio | 93.2927% | 414 |
| Assets per employee ($millions) | 3.9613% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 5,215 |
| Loan loss allowance to noncurrent loans | 800.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,769 |
| Noncurrent loans to loans | 0.0987% | 4,947 |
| Net loans and leases to total assets | 39.8716% | 5,383 |
| Net loans and leases to deposits | 46.9011% | 5,415 |
| Net loans and leases to core deposits | 47.9861% | 5,453 |
| Total domestic deposits to total assets | 85.0121% | 2,801 |
| Equity capital to assets | 14.6814% | 820 |
| Core capital (leverage) ratio | 13.1975% | 1,112 |
| Tier 1 risk-based capital ratio | 21.4394% | 1,202 |
| Total risk-based capital ratio | 21.9851% | 1,290 |
| Memoranda: | ||
| Average total assets | $26,841,250 | 5,821 |
| Average earning assets | $24,407,000 | 5,802 |
| Average equity | $4,043,250 | 5,698 |
| Average total loans | $10,519,000 | 5,818 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 5,463 |
| Cost of funding earning assets | 0.1159% | 5,776 |
| Net interest margin | 3.0626% | 4,936 |
| Noninterest income to average assets | 0.5349% | 2,982 |
| Noninterest expense to average assets | 3.0514% | 2,203 |
| Loan and lease loss provision to assets | 0.0603% | 2,935 |
| Net operating income to assets | 0.1936% | 5,533 |
| Return on assets (ROA) | 0.3993% | 5,111 |
| Pretax return on assets | 0.4370% | 5,268 |
| Return on Equity (ROE) | 2.6277% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.6277% | 4,225 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8367% | 505 |
| Assets per employee ($millions) | 3.2856% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,827 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 4,920 |
| Noncurrent loans to loans | 0.0420% | 5,298 |
| Net loans and leases to total assets | 35.9178% | 5,612 |
| Net loans and leases to deposits | 42.6905% | 5,598 |
| Net loans and leases to core deposits | 43.7428% | 5,634 |
| Total domestic deposits to total assets | 84.1354% | 3,217 |
| Equity capital to assets | 15.5298% | 619 |
| Core capital (leverage) ratio | 13.7141% | 902 |
| Tier 1 risk-based capital ratio | 23.6941% | 936 |
| Total risk-based capital ratio | 24.3067% | 986 |
| Memoranda: | ||
| Average total assets | $26,545,330 | 5,896 |
| Average earning assets | $24,162,330 | 5,875 |
| Average equity | $4,034,000 | 5,757 |
| Average total loans | $10,310,670 | 5,896 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 5,352 |
| Cost of funding earning assets | 0.1154% | 5,845 |
| Net interest margin | 3.1666% | 4,685 |
| Noninterest income to average assets | 0.4798% | 3,262 |
| Noninterest expense to average assets | 3.0590% | 2,214 |
| Loan and lease loss provision to assets | 0.0750% | 2,462 |
| Net operating income to assets | 0.2054% | 5,516 |
| Return on assets (ROA) | 0.6148% | 4,230 |
| Pretax return on assets | 0.6748% | 4,609 |
| Return on Equity (ROE) | 4.0898% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.0898% | 3,446 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0714% | 607 |
| Assets per employee ($millions) | 3.7507% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,315 |
| Loan loss allowance to noncurrent loans | 505.8824% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,992 |
| Noncurrent loans to loans | 0.1618% | 4,846 |
| Net loans and leases to total assets | 39.6915% | 5,461 |
| Net loans and leases to deposits | 47.0750% | 5,463 |
| Net loans and leases to core deposits | 48.2342% | 5,504 |
| Total domestic deposits to total assets | 84.3154% | 3,388 |
| Equity capital to assets | 15.3837% | 623 |
| Core capital (leverage) ratio | 13.4631% | 998 |
| Tier 1 risk-based capital ratio | 22.9261% | 1,021 |
| Total risk-based capital ratio | 23.4948% | 1,109 |
| Memoranda: | ||
| Average total assets | $26,675,500 | 5,956 |
| Average earning assets | $24,253,500 | 5,934 |
| Average equity | $4,010,000 | 5,812 |
| Average total loans | $10,701,000 | 5,947 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2175% | 5,495 |
| Cost of funding earning assets | 0.1282% | 5,832 |
| Net interest margin | 3.0893% | 4,929 |
| Noninterest income to average assets | 0.4414% | 3,738 |
| Noninterest expense to average assets | 3.0484% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2792% | 5,414 |
| Return on assets (ROA) | 0.2943% | 5,458 |
| Pretax return on assets | 0.2264% | 5,654 |
| Return on Equity (ROE) | 1.9708% | 5,576 |
| Retained earnings to average equity (ytd only) | 1.2128% | 5,022 |
| Net charge-offs to loans | 0.0099% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 923 |
| Efficiency ratio | 93.5185% | 503 |
| Assets per employee ($millions) | 3.3870% | 5,002 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 5,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 4,127 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.9099% | 5,518 |
| Net loans and leases to deposits | 46.9113% | 5,521 |
| Net loans and leases to core deposits | 49.6739% | 5,515 |
| Total domestic deposits to total assets | 85.0753% | 3,057 |
| Equity capital to assets | 14.6922% | 733 |
| Core capital (leverage) ratio | 12.7159% | 1,255 |
| Tier 1 risk-based capital ratio | 22.3202% | 1,106 |
| Total risk-based capital ratio | 22.8546% | 1,186 |
| Memoranda: | ||
| Average total assets | $26,506,000 | 6,010 |
| Average earning assets | $24,180,200 | 5,994 |
| Average equity | $3,957,800 | 5,856 |
| Average total loans | $10,117,800 | 6,011 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 5,605 |
| Cost of funding earning assets | 0.1275% | 5,933 |
| Net interest margin | 3.0595% | 5,053 |
| Noninterest income to average assets | 0.4401% | 3,796 |
| Noninterest expense to average assets | 3.0451% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2580% | 5,556 |
| Return on assets (ROA) | 0.2782% | 5,594 |
| Pretax return on assets | 0.2074% | 5,780 |
| Return on Equity (ROE) | 1.8555% | 5,695 |
| Retained earnings to average equity (ytd only) | 1.8555% | 4,951 |
| Net charge-offs to loans | 0.0134% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 37.0902% | 1,313 |
| Efficiency ratio | 94.2097% | 481 |
| Assets per employee ($millions) | 4.0839% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 5,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,378 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.7405% | 5,761 |
| Net loans and leases to deposits | 42.7873% | 5,769 |
| Net loans and leases to core deposits | 45.6732% | 5,740 |
| Total domestic deposits to total assets | 85.8677% | 2,605 |
| Equity capital to assets | 13.9154% | 1,057 |
| Core capital (leverage) ratio | 13.0427% | 1,189 |
| Tier 1 risk-based capital ratio | 20.8877% | 1,359 |
| Total risk-based capital ratio | 21.3929% | 1,482 |
| Memoranda: | ||
| Average total assets | $26,358,500 | 6,094 |
| Average earning assets | $24,055,750 | 6,077 |
| Average equity | $3,952,000 | 5,938 |
| Average total loans | $9,923,500 | 6,096 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 5,479 |
| Cost of funding earning assets | 0.1202% | 6,042 |
| Net interest margin | 3.1584% | 4,795 |
| Noninterest income to average assets | 0.4528% | 3,679 |
| Noninterest expense to average assets | 2.9982% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3123% | 5,404 |
| Return on assets (ROA) | 0.3123% | 5,496 |
| Pretax return on assets | 0.3279% | 5,609 |
| Return on Equity (ROE) | 2.0287% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.0287% | 4,684 |
| Net charge-offs to loans | 0.0206% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,094 |
| Efficiency ratio | 90.1408% | 739 |
| Assets per employee ($millions) | 3.1330% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 5,532 |
| Loan loss allowance to noncurrent loans | 578.5714% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,938 |
| Noncurrent loans to loans | 0.1432% | 5,178 |
| Net loans and leases to total assets | 38.6929% | 5,707 |
| Net loans and leases to deposits | 46.0385% | 5,674 |
| Net loans and leases to core deposits | 49.0194% | 5,652 |
| Total domestic deposits to total assets | 84.0448% | 3,543 |
| Equity capital to assets | 15.7557% | 558 |
| Core capital (leverage) ratio | 13.8399% | 891 |
| Tier 1 risk-based capital ratio | 24.0258% | 954 |
| Total risk-based capital ratio | 24.6093% | 1,013 |
| Memoranda: | ||
| Average total assets | $25,615,670 | 6,179 |
| Average earning assets | $23,302,670 | 6,159 |
| Average equity | $3,943,330 | 6,002 |
| Average total loans | $9,703,330 | 6,171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 5,602 |
| Cost of funding earning assets | 0.1184% | 6,126 |
| Net interest margin | 3.1111% | 4,914 |
| Noninterest income to average assets | 0.4789% | 3,435 |
| Noninterest expense to average assets | 2.9353% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3708% | 5,183 |
| Return on assets (ROA) | 0.3708% | 5,302 |
| Pretax return on assets | 0.3862% | 5,457 |
| Return on Equity (ROE) | 2.4362% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.4362% | 4,477 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3721% | 990 |
| Assets per employee ($millions) | 3.7204% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 5,534 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 4,301 |
| Noncurrent loans to loans | 0.0105% | 5,763 |
| Net loans and leases to total assets | 36.1594% | 5,821 |
| Net loans and leases to deposits | 42.7987% | 5,808 |
| Net loans and leases to core deposits | 45.9994% | 5,755 |
| Total domestic deposits to total assets | 84.4872% | 3,620 |
| Equity capital to assets | 15.2325% | 672 |
| Core capital (leverage) ratio | 13.4885% | 975 |
| Tier 1 risk-based capital ratio | 23.7052% | 1,020 |
| Total risk-based capital ratio | 24.2906% | 1,081 |
| Memoranda: | ||
| Average total assets | $25,891,500 | 6,243 |
| Average earning assets | $23,657,500 | 6,221 |
| Average equity | $3,940,500 | 6,059 |
| Average total loans | $9,665,500 | 6,239 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 5,770 |
| Cost of funding earning assets | 0.1218% | 6,236 |
| Net interest margin | 3.1298% | 5,133 |
| Noninterest income to average assets | 0.4821% | 3,634 |
| Noninterest expense to average assets | 3.2406% | 2,098 |
| Loan and lease loss provision to assets | 0.0077% | 4,476 |
| Net operating income to assets | 0.1989% | 5,765 |
| Return on assets (ROA) | 0.2449% | 5,727 |
| Pretax return on assets | 0.1301% | 5,961 |
| Return on Equity (ROE) | 1.6379% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.1261% | 5,268 |
| Net charge-offs to loans | 0.5458% | 744 |
| Credit loss provision to net charge-offs | 3.7037% | 4,169 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 4,640 |
| Efficiency ratio | 97.2445% | 453 |
| Assets per employee ($millions) | 3.6771% | 4,577 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 5,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 4,369 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.8788% | 5,859 |
| Net loans and leases to deposits | 44.7658% | 5,852 |
| Net loans and leases to core deposits | 48.1505% | 5,806 |
| Total domestic deposits to total assets | 84.6154% | 3,448 |
| Equity capital to assets | 15.2059% | 667 |
| Core capital (leverage) ratio | 12.7295% | 1,240 |
| Tier 1 risk-based capital ratio | 28.8123% | 580 |
| Total risk-based capital ratio | 29.5288% | 587 |
| Memoranda: | ||
| Average total assets | $26,137,400 | 6,322 |
| Average earning assets | $23,803,800 | 6,297 |
| Average equity | $3,907,400 | 6,108 |
| Average total loans | $9,894,600 | 6,318 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 5,866 |
| Cost of funding earning assets | 0.1174% | 6,350 |
| Net interest margin | 3.1141% | 5,214 |
| Noninterest income to average assets | 0.4929% | 3,590 |
| Noninterest expense to average assets | 3.1456% | 2,332 |
| Loan and lease loss provision to assets | 0.0102% | 4,221 |
| Net operating income to assets | 0.1677% | 5,910 |
| Return on assets (ROA) | 0.1677% | 5,949 |
| Pretax return on assets | 0.1677% | 5,988 |
| Return on Equity (ROE) | 1.1265% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.1265% | 5,436 |
| Net charge-offs to loans | -0.0269% | 5,703 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6483% | 562 |
| Assets per employee ($millions) | 3.9590% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,318 |
| Loan loss allowance to noncurrent loans | 53.9063% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3640% | 2,266 |
| Noncurrent loans to loans | 2.5352% | 1,152 |
| Net loans and leases to total assets | 35.9398% | 6,031 |
| Net loans and leases to deposits | 41.9527% | 6,053 |
| Net loans and leases to core deposits | 44.8447% | 6,003 |
| Total domestic deposits to total assets | 85.6674% | 3,030 |
| Equity capital to assets | 14.1630% | 949 |
| Core capital (leverage) ratio | 13.1761% | 1,110 |
| Tier 1 risk-based capital ratio | 28.2283% | 633 |
| Total risk-based capital ratio | 29.4045% | 616 |
| Memoranda: | ||
| Average total assets | $26,236,750 | 6,397 |
| Average earning assets | $23,847,750 | 6,372 |
| Average equity | $3,905,750 | 6,175 |
| Average total loans | $9,910,250 | 6,390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 5,863 |
| Cost of funding earning assets | 0.1191% | 6,416 |
| Net interest margin | 3.1382% | 5,128 |
| Noninterest income to average assets | 0.5360% | 3,232 |
| Noninterest expense to average assets | 3.1929% | 2,216 |
| Loan and lease loss provision to assets | 0.0155% | 3,954 |
| Net operating income to assets | 0.1942% | 5,853 |
| Return on assets (ROA) | 0.1942% | 5,906 |
| Pretax return on assets | 0.1942% | 5,957 |
| Return on Equity (ROE) | 1.2823% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.2823% | 5,233 |
| Net charge-offs to loans | -0.0406% | 5,784 |
| Credit loss provision to net charge-offs | -100.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8356% | 650 |
| Assets per employee ($millions) | 3.0916% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,269 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 1,751 |
| Noncurrent loans to loans | 2.3375% | 1,373 |
| Net loans and leases to total assets | 38.8792% | 5,899 |
| Net loans and leases to deposits | 46.3243% | 5,865 |
| Net loans and leases to core deposits | 50.0104% | 5,789 |
| Total domestic deposits to total assets | 83.9284% | 3,944 |
| Equity capital to assets | 15.8533% | 575 |
| Core capital (leverage) ratio | 13.5862% | 952 |
| Tier 1 risk-based capital ratio | 29.1960% | 565 |
| Total risk-based capital ratio | 30.4329% | 553 |
| Memoranda: | ||
| Average total assets | $25,744,670 | 6,470 |
| Average earning assets | $23,517,000 | 6,449 |
| Average equity | $3,899,330 | 6,222 |
| Average total loans | $9,847,670 | 6,455 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2253% | 5,970 |
| Cost of funding earning assets | 0.1337% | 6,432 |
| Net interest margin | 3.0916% | 5,279 |
| Noninterest income to average assets | 0.5028% | 3,389 |
| Noninterest expense to average assets | 3.0628% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2438% | 5,682 |
| Return on assets (ROA) | 0.2438% | 5,729 |
| Pretax return on assets | 0.2590% | 5,808 |
| Return on Equity (ROE) | 1.6459% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.6459% | 4,956 |
| Net charge-offs to loans | -0.0404% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2018% | 870 |
| Assets per employee ($millions) | 3.3008% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 3,642 |
| Loan loss allowance to noncurrent loans | 39.9408% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 1.7420% | 2,024 |
| Noncurrent loans to loans | 3.4878% | 838 |
| Net loans and leases to total assets | 36.1887% | 6,061 |
| Net loans and leases to deposits | 42.5562% | 6,047 |
| Net loans and leases to core deposits | 43.5849% | 6,090 |
| Total domestic deposits to total assets | 85.0375% | 3,846 |
| Equity capital to assets | 14.7845% | 714 |
| Core capital (leverage) ratio | 13.0470% | 1,146 |
| Tier 1 risk-based capital ratio | 29.5554% | 547 |
| Total risk-based capital ratio | 30.7847% | 538 |
| Memoranda: | ||
| Average total assets | $26,250,500 | 6,530 |
| Average earning assets | $23,935,500 | 6,499 |
| Average equity | $3,888,500 | 6,271 |
| Average total loans | $9,894,500 | 6,520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 6,041 |
| Cost of funding earning assets | 0.1477% | 6,547 |
| Net interest margin | 3.1262% | 5,239 |
| Noninterest income to average assets | 0.6715% | 2,697 |
| Noninterest expense to average assets | 3.1103% | 2,700 |
| Loan and lease loss provision to assets | 0.1312% | 2,669 |
| Net operating income to assets | 0.3319% | 5,405 |
| Return on assets (ROA) | 0.3319% | 5,516 |
| Pretax return on assets | 0.2894% | 5,760 |
| Return on Equity (ROE) | 2.2353% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.7154% | 5,016 |
| Net charge-offs to loans | -0.0504% | 6,339 |
| Credit loss provision to net charge-offs | -680.0000% | 6,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0874% | 1,207 |
| Assets per employee ($millions) | 3.2619% | 5,361 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 3,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 4,838 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 38.1836% | 6,078 |
| Net loans and leases to deposits | 44.9031% | 6,078 |
| Net loans and leases to core deposits | 45.9997% | 6,137 |
| Total domestic deposits to total assets | 85.0354% | 3,731 |
| Equity capital to assets | 14.8419% | 701 |
| Core capital (leverage) ratio | 12.4644% | 1,377 |
| Tier 1 risk-based capital ratio | 28.1730% | 598 |
| Total risk-based capital ratio | 29.3337% | 592 |
| Memoranda: | ||
| Average total assets | $25,913,800 | 6,611 |
| Average earning assets | $23,703,000 | 6,585 |
| Average equity | $3,847,400 | 6,362 |
| Average total loans | $9,911,800 | 6,596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2451% | 6,142 |
| Cost of funding earning assets | 0.1519% | 6,633 |
| Net interest margin | 3.0933% | 5,334 |
| Noninterest income to average assets | 0.7577% | 2,330 |
| Noninterest expense to average assets | 3.1079% | 2,627 |
| Loan and lease loss provision to assets | 0.1752% | 2,079 |
| Net operating income to assets | 0.2886% | 5,654 |
| Return on assets (ROA) | 0.2886% | 5,762 |
| Pretax return on assets | 0.3092% | 5,854 |
| Return on Equity (ROE) | 1.9438% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.9438% | 5,158 |
| Net charge-offs to loans | -0.0540% | 6,341 |
| Credit loss provision to net charge-offs | -850.0000% | 6,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5136% | 1,319 |
| Assets per employee ($millions) | 3.5099% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 4,377 |
| Loan loss allowance to noncurrent loans | 4,433.3333% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 5,095 |
| Noncurrent loans to loans | 0.0294% | 6,260 |
| Net loans and leases to total assets | 35.8880% | 6,284 |
| Net loans and leases to deposits | 41.7457% | 6,322 |
| Net loans and leases to core deposits | 42.6811% | 6,365 |
| Total domestic deposits to total assets | 85.9682% | 3,268 |
| Equity capital to assets | 13.7861% | 1,025 |
| Core capital (leverage) ratio | 12.8766% | 1,253 |
| Tier 1 risk-based capital ratio | 28.0263% | 630 |
| Total risk-based capital ratio | 29.1427% | 630 |
| Memoranda: | ||
| Average total assets | $25,868,500 | 6,683 |
| Average earning assets | $23,706,750 | 6,662 |
| Average equity | $3,841,000 | 6,443 |
| Average total loans | $9,865,250 | 6,674 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3177% | 6,061 |
| Cost of funding earning assets | 0.1567% | 6,687 |
| Net interest margin | 3.1609% | 5,085 |
| Noninterest income to average assets | 0.8913% | 1,840 |
| Noninterest expense to average assets | 3.1673% | 2,453 |
| Loan and lease loss provision to assets | 0.2706% | 1,362 |
| Net operating income to assets | 0.3183% | 5,529 |
| Return on assets (ROA) | 0.3183% | 5,686 |
| Pretax return on assets | 0.3422% | 5,769 |
| Return on Equity (ROE) | 2.0882% | 5,925 |
| Retained earnings to average equity (ytd only) | 2.0882% | 4,942 |
| Net charge-offs to loans | -0.0615% | 6,338 |
| Credit loss provision to net charge-offs | -1,133.3333% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7895% | 1,657 |
| Assets per employee ($millions) | 2.7433% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 4,548 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 4,992 |
| Noncurrent loans to loans | 0.0392% | 6,278 |
| Net loans and leases to total assets | 40.8343% | 5,983 |
| Net loans and leases to deposits | 48.5458% | 5,945 |
| Net loans and leases to core deposits | 49.8147% | 6,031 |
| Total domestic deposits to total assets | 84.1150% | 4,268 |
| Equity capital to assets | 15.6055% | 602 |
| Core capital (leverage) ratio | 13.6480% | 925 |
| Tier 1 risk-based capital ratio | 28.8149% | 583 |
| Total risk-based capital ratio | 29.9595% | 578 |
| Memoranda: | ||
| Average total assets | $25,131,670 | 6,744 |
| Average earning assets | $22,968,000 | 6,722 |
| Average equity | $3,831,000 | 6,489 |
| Average total loans | $9,750,330 | 6,721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 6,291 |
| Cost of funding earning assets | 0.1722% | 6,712 |
| Net interest margin | 3.0301% | 5,482 |
| Noninterest income to average assets | 0.5207% | 3,626 |
| Noninterest expense to average assets | 3.1871% | 2,391 |
| Loan and lease loss provision to assets | 0.0158% | 4,260 |
| Net operating income to assets | 0.0947% | 6,160 |
| Return on assets (ROA) | 0.0947% | 6,252 |
| Pretax return on assets | 0.0947% | 6,266 |
| Return on Equity (ROE) | 0.6283% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.6283% | 5,578 |
| Net charge-offs to loans | -0.0420% | 6,053 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6507% | 697 |
| Assets per employee ($millions) | 3.1588% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,715 |
| Loan loss allowance to noncurrent loans | 22.5058% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 2,133 |
| Noncurrent loans to loans | 4.7546% | 835 |
| Net loans and leases to total assets | 35.4887% | 6,335 |
| Net loans and leases to deposits | 41.9399% | 6,321 |
| Net loans and leases to core deposits | 43.0037% | 6,363 |
| Total domestic deposits to total assets | 84.6181% | 4,217 |
| Equity capital to assets | 15.1326% | 726 |
| Core capital (leverage) ratio | 13.0745% | 1,086 |
| Tier 1 risk-based capital ratio | 31.4869% | 467 |
| Total risk-based capital ratio | 32.4086% | 473 |
| Memoranda: | ||
| Average total assets | $25,352,500 | 6,811 |
| Average earning assets | $23,233,500 | 6,783 |
| Average equity | $3,820,000 | 6,552 |
| Average total loans | $9,518,500 | 6,801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 6,402 |
| Cost of funding earning assets | 0.2053% | 6,825 |
| Net interest margin | 3.2540% | 5,417 |
| Noninterest income to average assets | 0.5300% | 3,710 |
| Noninterest expense to average assets | 3.2240% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3467% | 5,306 |
| Return on assets (ROA) | 0.3467% | 5,527 |
| Pretax return on assets | 0.2750% | 5,869 |
| Return on Equity (ROE) | 2.2973% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.5051% | 5,115 |
| Net charge-offs to loans | -0.0522% | 6,716 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1412% | 908 |
| Assets per employee ($millions) | 3.1794% | 5,673 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,122 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 5,121 |
| Noncurrent loans to loans | 0.0501% | 6,373 |
| Net loans and leases to total assets | 38.8323% | 6,242 |
| Net loans and leases to deposits | 45.8032% | 6,263 |
| Net loans and leases to core deposits | 50.3005% | 6,128 |
| Total domestic deposits to total assets | 84.7808% | 3,952 |
| Equity capital to assets | 15.0029% | 732 |
| Core capital (leverage) ratio | 12.7017% | 1,238 |
| Tier 1 risk-based capital ratio | 29.3684% | 540 |
| Total risk-based capital ratio | 30.2123% | 551 |
| Memoranda: | ||
| Average total assets | $25,093,200 | 6,871 |
| Average earning assets | $22,895,200 | 6,841 |
| Average equity | $3,787,000 | 6,614 |
| Average total loans | $9,572,800 | 6,864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4438% | 6,569 |
| Cost of funding earning assets | 0.2105% | 6,931 |
| Net interest margin | 3.2333% | 5,602 |
| Noninterest income to average assets | 0.5332% | 3,725 |
| Noninterest expense to average assets | 3.1989% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2826% | 5,669 |
| Return on assets (ROA) | 0.2826% | 5,874 |
| Pretax return on assets | 0.2826% | 5,990 |
| Return on Equity (ROE) | 1.8694% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.8694% | 5,406 |
| Net charge-offs to loans | -0.0422% | 6,663 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8836% | 894 |
| Assets per employee ($millions) | 3.3385% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 6,321 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 5,430 |
| Noncurrent loans to loans | 0.0595% | 6,467 |
| Net loans and leases to total assets | 37.4307% | 6,453 |
| Net loans and leases to deposits | 43.8350% | 6,512 |
| Net loans and leases to core deposits | 47.8806% | 6,425 |
| Total domestic deposits to total assets | 85.3901% | 3,571 |
| Equity capital to assets | 14.2766% | 1,049 |
| Core capital (leverage) ratio | 13.1158% | 1,145 |
| Tier 1 risk-based capital ratio | 27.7670% | 679 |
| Total risk-based capital ratio | 28.5486% | 698 |
| Memoranda: | ||
| Average total assets | $25,007,750 | 6,955 |
| Average earning assets | $22,803,500 | 6,930 |
| Average equity | $3,779,750 | 6,697 |
| Average total loans | $9,473,000 | 6,962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 6,682 |
| Cost of funding earning assets | 0.2246% | 6,981 |
| Net interest margin | 3.2170% | 5,683 |
| Noninterest income to average assets | 0.5564% | 3,543 |
| Noninterest expense to average assets | 3.2486% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2373% | 5,804 |
| Return on assets (ROA) | 0.2373% | 5,993 |
| Pretax return on assets | 0.2373% | 6,083 |
| Return on Equity (ROE) | 1.5390% | 6,185 |
| Retained earnings to average equity (ytd only) | 1.5390% | 5,439 |
| Net charge-offs to loans | -0.0432% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1925% | 849 |
| Assets per employee ($millions) | 3.0141% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,216 |
| Loan loss allowance to noncurrent loans | 613.3333% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 5,383 |
| Noncurrent loans to loans | 0.1605% | 6,264 |
| Net loans and leases to total assets | 38.3735% | 6,451 |
| Net loans and leases to deposits | 45.7232% | 6,456 |
| Net loans and leases to core deposits | 46.9433% | 6,521 |
| Total domestic deposits to total assets | 83.9257% | 4,343 |
| Equity capital to assets | 15.7011% | 639 |
| Core capital (leverage) ratio | 13.4916% | 981 |
| Tier 1 risk-based capital ratio | 30.0550% | 516 |
| Total risk-based capital ratio | 30.8983% | 524 |
| Memoranda: | ||
| Average total assets | $24,441,000 | 7,026 |
| Average earning assets | $22,257,000 | 7,005 |
| Average equity | $3,768,670 | 6,736 |
| Average total loans | $9,267,330 | 7,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 6,799 |
| Cost of funding earning assets | 0.2320% | 7,049 |
| Net interest margin | 3.1767% | 5,832 |
| Noninterest income to average assets | 0.5690% | 3,433 |
| Noninterest expense to average assets | 3.2026% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2601% | 5,780 |
| Return on assets (ROA) | 0.2601% | 5,942 |
| Pretax return on assets | 0.2601% | 6,061 |
| Return on Equity (ROE) | 1.7021% | 6,158 |
| Retained earnings to average equity (ytd only) | 1.7021% | 5,380 |
| Net charge-offs to loans | -0.0433% | 6,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4883% | 908 |
| Assets per employee ($millions) | 3.1344% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 6,145 |
| Loan loss allowance to noncurrent loans | 568.7500% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 5,717 |
| Noncurrent loans to loans | 0.1813% | 6,322 |
| Net loans and leases to total assets | 34.8395% | 6,697 |
| Net loans and leases to deposits | 41.1629% | 6,697 |
| Net loans and leases to core deposits | 42.2090% | 6,738 |
| Total domestic deposits to total assets | 84.6381% | 4,194 |
| Equity capital to assets | 15.0309% | 743 |
| Core capital (leverage) ratio | 13.4067% | 978 |
| Tier 1 risk-based capital ratio | 31.4977% | 460 |
| Total risk-based capital ratio | 32.3753% | 473 |
| Memoranda: | ||
| Average total assets | $24,605,000 | 7,085 |
| Average earning assets | $22,413,000 | 7,061 |
| Average equity | $3,760,000 | 6,785 |
| Average total loans | $9,228,500 | 7,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 6,924 |
| Cost of funding earning assets | 0.3418% | 7,033 |
| Net interest margin | 3.2711% | 5,896 |
| Noninterest income to average assets | 0.5987% | 3,171 |
| Noninterest expense to average assets | 3.3252% | 2,441 |
| Loan and lease loss provision to assets | 0.0040% | 6,468 |
| Net operating income to assets | 0.3155% | 5,198 |
| Return on assets (ROA) | 0.3155% | 5,353 |
| Pretax return on assets | 0.2508% | 5,669 |
| Return on Equity (ROE) | 2.0603% | 5,635 |
| Retained earnings to average equity (ytd only) | -0.7132% | 5,962 |
| Net charge-offs to loans | 0.1073% | 5,286 |
| Credit loss provision to net charge-offs | 10.0000% | 6,009 |
| Earnings coverage of net charge-offs (x) | 6.3000% | 2,548 |
| Efficiency ratio | 92.8814% | 990 |
| Assets per employee ($millions) | 3.0169% | 6,049 |
| Cash dividends to net income (ytd only)* | 134.6154% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,445 |
| Loan loss allowance to noncurrent loans | 428.5714% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,011 |
| Noncurrent loans to loans | 0.2181% | 6,305 |
| Net loans and leases to total assets | 39.5277% | 6,569 |
| Net loans and leases to deposits | 46.9719% | 6,569 |
| Net loans and leases to core deposits | 48.2159% | 6,627 |
| Total domestic deposits to total assets | 84.1516% | 4,260 |
| Equity capital to assets | 15.5417% | 664 |
| Core capital (leverage) ratio | 13.3544% | 1,021 |
| Tier 1 risk-based capital ratio | 29.9751% | 521 |
| Total risk-based capital ratio | 30.8054% | 526 |
| Memoranda: | ||
| Average total assets | $24,720,400 | 7,111 |
| Average earning assets | $22,530,800 | 7,092 |
| Average equity | $3,785,800 | 6,807 |
| Average total loans | $9,319,600 | 7,137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 6,995 |
| Cost of funding earning assets | 0.3704% | 7,086 |
| Net interest margin | 3.2574% | 5,994 |
| Noninterest income to average assets | 0.6113% | 3,098 |
| Noninterest expense to average assets | 3.3297% | 2,404 |
| Loan and lease loss provision to assets | 0.0053% | 6,357 |
| Net operating income to assets | 0.2466% | 5,580 |
| Return on assets (ROA) | 0.2466% | 5,723 |
| Pretax return on assets | 0.2466% | 5,814 |
| Return on Equity (ROE) | 1.6163% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.9137% | 5,641 |
| Net charge-offs to loans | 0.0144% | 5,950 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 47.1203% | 680 |
| Efficiency ratio | 92.9641% | 973 |
| Assets per employee ($millions) | 3.1966% | 5,693 |
| Cash dividends to net income (ytd only)* | 43.4861% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,989 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 6,065 |
| Noncurrent loans to loans | 0.5842% | 5,707 |
| Net loans and leases to total assets | 35.7604% | 6,876 |
| Net loans and leases to deposits | 42.1837% | 6,904 |
| Net loans and leases to core deposits | 43.2286% | 6,943 |
| Total domestic deposits to total assets | 84.7730% | 3,883 |
| Equity capital to assets | 14.8829% | 882 |
| Core capital (leverage) ratio | 13.3936% | 1,077 |
| Tier 1 risk-based capital ratio | 29.7541% | 552 |
| Total risk-based capital ratio | 30.6459% | 566 |
| Memoranda: | ||
| Average total assets | $24,866,750 | 7,174 |
| Average earning assets | $22,676,250 | 7,158 |
| Average equity | $3,794,500 | 6,858 |
| Average total loans | $9,242,000 | 7,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 7,089 |
| Cost of funding earning assets | 0.3889% | 7,151 |
| Net interest margin | 3.2260% | 6,076 |
| Noninterest income to average assets | 0.6496% | 2,845 |
| Noninterest expense to average assets | 3.3453% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2680% | 5,487 |
| Return on assets (ROA) | 0.2680% | 5,610 |
| Pretax return on assets | 0.2680% | 5,753 |
| Return on Equity (ROE) | 1.7411% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.6859% | 5,576 |
| Net charge-offs to loans | -0.0216% | 6,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5843% | 1,060 |
| Assets per employee ($millions) | 2.6939% | 6,649 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 6,045 |
| Loan loss allowance to noncurrent loans | 204.0816% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 6,131 |
| Noncurrent loans to loans | 0.5287% | 5,851 |
| Net loans and leases to total assets | 37.8140% | 6,873 |
| Net loans and leases to deposits | 45.0317% | 6,879 |
| Net loans and leases to core deposits | 47.4117% | 6,881 |
| Total domestic deposits to total assets | 83.9720% | 4,364 |
| Equity capital to assets | 15.6445% | 669 |
| Core capital (leverage) ratio | 13.3634% | 1,043 |
| Tier 1 risk-based capital ratio | 30.3918% | 514 |
| Total risk-based capital ratio | 31.3158% | 518 |
| Memoranda: | ||
| Average total assets | $24,631,330 | 7,251 |
| Average earning assets | $22,628,330 | 7,228 |
| Average equity | $3,790,670 | 6,905 |
| Average total loans | $9,241,330 | 7,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5673% | 7,165 |
| Cost of funding earning assets | 0.4022% | 7,220 |
| Net interest margin | 3.1651% | 6,181 |
| Noninterest income to average assets | 0.6929% | 2,617 |
| Noninterest expense to average assets | 3.3515% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2578% | 5,588 |
| Return on assets (ROA) | 0.2578% | 5,652 |
| Pretax return on assets | 0.2578% | 5,787 |
| Return on Equity (ROE) | 1.6889% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.6889% | 5,106 |
| Net charge-offs to loans | -0.0433% | 6,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 1,105 |
| Assets per employee ($millions) | 3.2238% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,964 |
| Loan loss allowance to noncurrent loans | 188.6792% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,205 |
| Noncurrent loans to loans | 0.5944% | 5,837 |
| Net loans and leases to total assets | 34.1877% | 7,086 |
| Net loans and leases to deposits | 40.2566% | 7,088 |
| Net loans and leases to core deposits | 42.2270% | 7,104 |
| Total domestic deposits to total assets | 84.9244% | 4,067 |
| Equity capital to assets | 14.7228% | 830 |
| Core capital (leverage) ratio | 13.2183% | 1,051 |
| Tier 1 risk-based capital ratio | 30.2257% | 511 |
| Total risk-based capital ratio | 31.1433% | 518 |
| Memoranda: | ||
| Average total assets | $24,824,500 | 7,293 |
| Average earning assets | $22,874,500 | 7,266 |
| Average equity | $3,789,500 | 6,936 |
| Average total loans | $9,228,000 | 7,338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 6,712 |
| Cost of funding earning assets | 0.6171% | 7,090 |
| Net interest margin | 3.7255% | 4,246 |
| Noninterest income to average assets | 0.5952% | 3,506 |
| Noninterest expense to average assets | 3.6666% | 1,776 |
| Loan and lease loss provision to assets | 0.0624% | 6,518 |
| Net operating income to assets | 0.3288% | 4,832 |
| Return on assets (ROA) | 0.3288% | 4,989 |
| Pretax return on assets | 0.2580% | 5,342 |
| Return on Equity (ROE) | 2.0845% | 5,355 |
| Retained earnings to average equity (ytd only) | 0.5013% | 5,333 |
| Net charge-offs to loans | -0.0097% | 7,309 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9624% | 1,186 |
| Assets per employee ($millions) | 2.9824% | 6,139 |
| Cash dividends to net income (ytd only)* | 75.9494% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 6,203 |
| Loan loss allowance to noncurrent loans | 210.6383% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 6,250 |
| Noncurrent loans to loans | 0.4927% | 6,051 |
| Net loans and leases to total assets | 39.5658% | 6,990 |
| Net loans and leases to deposits | 47.2212% | 6,986 |
| Net loans and leases to core deposits | 51.3350% | 6,933 |
| Total domestic deposits to total assets | 83.7881% | 4,459 |
| Equity capital to assets | 15.8515% | 607 |
| Core capital (leverage) ratio | 13.2009% | 1,059 |
| Tier 1 risk-based capital ratio | 29.8751% | 512 |
| Total risk-based capital ratio | 30.7776% | 514 |
| Memoranda: | ||
| Average total assets | $24,027,400 | 7,371 |
| Average earning assets | $21,876,200 | 7,354 |
| Average equity | $3,789,800 | 7,060 |
| Average total loans | $10,334,800 | 7,376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 6,711 |
| Cost of funding earning assets | 0.6469% | 7,186 |
| Net interest margin | 3.8084% | 3,940 |
| Noninterest income to average assets | 0.5872% | 3,525 |
| Noninterest expense to average assets | 3.7059% | 1,551 |
| Loan and lease loss provision to assets | 0.0720% | 6,340 |
| Net operating income to assets | 0.2604% | 5,313 |
| Return on assets (ROA) | 0.2604% | 5,468 |
| Pretax return on assets | 0.2659% | 5,573 |
| Return on Equity (ROE) | 1.6528% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.6528% | 5,127 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6438% | 1,157 |
| Assets per employee ($millions) | 3.1619% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,368 |
| Loan loss allowance to noncurrent loans | 208.6957% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 6,457 |
| Noncurrent loans to loans | 0.4818% | 6,228 |
| Net loans and leases to total assets | 37.3671% | 7,210 |
| Net loans and leases to deposits | 44.2924% | 7,228 |
| Net loans and leases to core deposits | 47.8800% | 7,211 |
| Total domestic deposits to total assets | 84.3645% | 3,928 |
| Equity capital to assets | 15.0702% | 873 |
| Core capital (leverage) ratio | 13.4774% | 1,067 |
| Tier 1 risk-based capital ratio | 29.4050% | 546 |
| Total risk-based capital ratio | 30.2588% | 555 |
| Memoranda: | ||
| Average total assets | $24,069,500 | 7,471 |
| Average earning assets | $21,845,750 | 7,450 |
| Average equity | $3,791,750 | 7,150 |
| Average total loans | $10,533,750 | 7,463 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 6,476 |
| Cost of funding earning assets | 0.6895% | 7,211 |
| Net interest margin | 3.9038% | 3,430 |
| Noninterest income to average assets | 0.6340% | 3,104 |
| Noninterest expense to average assets | 3.7530% | 1,445 |
| Loan and lease loss provision to assets | 0.0761% | 6,179 |
| Net operating income to assets | 0.3297% | 5,065 |
| Return on assets (ROA) | 0.3297% | 5,226 |
| Pretax return on assets | 0.3466% | 5,383 |
| Return on Equity (ROE) | 2.0608% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.0608% | 4,829 |
| Net charge-offs to loans | 0.1473% | 4,758 |
| Credit loss provision to net charge-offs | 112.5000% | 3,611 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,496 |
| Efficiency ratio | 89.8785% | 1,340 |
| Assets per employee ($millions) | 2.5648% | 7,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 7,017 |
| Loan loss allowance to noncurrent loans | 254.5455% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 6,357 |
| Noncurrent loans to loans | 0.3173% | 6,590 |
| Net loans and leases to total assets | 44.6952% | 6,868 |
| Net loans and leases to deposits | 53.8747% | 6,872 |
| Net loans and leases to core deposits | 58.7662% | 6,782 |
| Total domestic deposits to total assets | 82.9615% | 4,596 |
| Equity capital to assets | 16.4797% | 603 |
| Core capital (leverage) ratio | 14.3623% | 845 |
| Tier 1 risk-based capital ratio | 29.9265% | 509 |
| Total risk-based capital ratio | 30.6889% | 524 |
| Memoranda: | ||
| Average total assets | $23,661,000 | 7,540 |
| Average earning assets | $21,466,000 | 7,521 |
| Average equity | $3,785,000 | 7,185 |
| Average total loans | $10,862,330 | 7,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 6,556 |
| Cost of funding earning assets | 0.7549% | 7,218 |
| Net interest margin | 3.8480% | 3,581 |
| Noninterest income to average assets | 0.6681% | 2,824 |
| Noninterest expense to average assets | 3.6743% | 1,562 |
| Loan and lease loss provision to assets | 0.0668% | 5,968 |
| Net operating income to assets | 0.3674% | 4,987 |
| Return on assets (ROA) | 0.3674% | 5,111 |
| Pretax return on assets | 0.4175% | 5,239 |
| Return on Equity (ROE) | 2.3308% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.3308% | 4,740 |
| Net charge-offs to loans | 0.3245% | 3,114 |
| Credit loss provision to net charge-offs | 44.4444% | 4,565 |
| Earnings coverage of net charge-offs (x) | 3.2222% | 2,978 |
| Efficiency ratio | 88.3534% | 1,554 |
| Assets per employee ($millions) | 2.6432% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 7,290 |
| Loan loss allowance to noncurrent loans | 169.5652% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 6,280 |
| Noncurrent loans to loans | 0.4310% | 6,439 |
| Net loans and leases to total assets | 44.5374% | 6,949 |
| Net loans and leases to deposits | 53.3323% | 6,962 |
| Net loans and leases to core deposits | 56.4344% | 6,969 |
| Total domestic deposits to total assets | 83.5092% | 4,380 |
| Equity capital to assets | 15.9191% | 684 |
| Core capital (leverage) ratio | 13.7707% | 1,013 |
| Tier 1 risk-based capital ratio | 28.6125% | 595 |
| Total risk-based capital ratio | 29.3015% | 624 |
| Memoranda: | ||
| Average total assets | $23,950,000 | 7,626 |
| Average earning assets | $21,725,500 | 7,603 |
| Average equity | $3,775,500 | 7,262 |
| Average total loans | $11,093,000 | 7,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 6,008 |
| Cost of funding earning assets | 1.1288% | 6,886 |
| Net interest margin | 3.9896% | 2,899 |
| Noninterest income to average assets | 0.9393% | 1,789 |
| Noninterest expense to average assets | 3.9910% | 1,375 |
| Loan and lease loss provision to assets | 0.0476% | 7,087 |
| Net operating income to assets | 0.7792% | 2,604 |
| Return on assets (ROA) | 0.7792% | 2,701 |
| Pretax return on assets | 0.4502% | 4,351 |
| Return on Equity (ROE) | 4.8525% | 3,739 |
| Retained earnings to average equity (ytd only) | 2.9654% | 3,091 |
| Net charge-offs to loans | 0.2938% | 4,797 |
| Credit loss provision to net charge-offs | 31.4286% | 6,888 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,423 |
| Efficiency ratio | 87.2710% | 1,956 |
| Assets per employee ($millions) | 2.6790% | 6,895 |
| Cash dividends to net income (ytd only)* | 38.8889% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 7,328 |
| Loan loss allowance to noncurrent loans | 162.7451% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 6,004 |
| Noncurrent loans to loans | 0.4430% | 6,387 |
| Net loans and leases to total assets | 47.4057% | 6,862 |
| Net loans and leases to deposits | 56.5338% | 6,889 |
| Net loans and leases to core deposits | 72.4518% | 6,625 |
| Total domestic deposits to total assets | 83.8538% | 4,101 |
| Equity capital to assets | 15.6111% | 765 |
| Core capital (leverage) ratio | 13.4720% | 1,098 |
| Tier 1 risk-based capital ratio | 26.6650% | 717 |
| Total risk-based capital ratio | 27.3605% | 738 |
| Memoranda: | ||
| Average total assets | $23,102,000 | 7,696 |
| Average earning assets | $20,553,200 | 7,689 |
| Average equity | $3,709,400 | 7,383 |
| Average total loans | $11,912,000 | 7,606 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 5,876 |
| Cost of funding earning assets | 1.1964% | 6,901 |
| Net interest margin | 4.0034% | 2,802 |
| Noninterest income to average assets | 1.0095% | 1,572 |
| Noninterest expense to average assets | 3.9445% | 1,363 |
| Loan and lease loss provision to assets | 0.0408% | 6,959 |
| Net operating income to assets | 0.4727% | 4,108 |
| Return on assets (ROA) | 0.4727% | 4,209 |
| Pretax return on assets | 0.5777% | 4,265 |
| Return on Equity (ROE) | 2.9223% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.9223% | 3,686 |
| Net charge-offs to loans | 0.1998% | 4,810 |
| Credit loss provision to net charge-offs | 38.8889% | 6,434 |
| Earnings coverage of net charge-offs (x) | 5.8888% | 2,711 |
| Efficiency ratio | 84.3990% | 2,251 |
| Assets per employee ($millions) | 2.7501% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 6,966 |
| Loan loss allowance to noncurrent loans | 246.1538% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 5,977 |
| Noncurrent loans to loans | 0.3440% | 6,667 |
| Net loans and leases to total assets | 45.4123% | 7,147 |
| Net loans and leases to deposits | 54.0775% | 7,214 |
| Net loans and leases to core deposits | 61.9659% | 7,327 |
| Total domestic deposits to total assets | 83.9764% | 3,735 |
| Equity capital to assets | 15.0943% | 978 |
| Core capital (leverage) ratio | 14.0918% | 1,071 |
| Tier 1 risk-based capital ratio | 26.7967% | 764 |
| Total risk-based capital ratio | 27.6100% | 775 |
| Memoranda: | ||
| Average total assets | $22,849,750 | 7,775 |
| Average earning assets | $20,282,250 | 7,775 |
| Average equity | $3,695,750 | 7,447 |
| Average total loans | $12,011,750 | 7,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 4,688 |
| Cost of funding earning assets | 1.2901% | 6,838 |
| Net interest margin | 4.2004% | 2,000 |
| Noninterest income to average assets | 1.0173% | 1,533 |
| Noninterest expense to average assets | 3.9431% | 1,409 |
| Loan and lease loss provision to assets | 0.0180% | 7,040 |
| Net operating income to assets | 0.5582% | 3,846 |
| Return on assets (ROA) | 0.5582% | 3,957 |
| Pretax return on assets | 0.7202% | 3,936 |
| Return on Equity (ROE) | 3.3674% | 4,760 |
| Retained earnings to average equity (ytd only) | 3.3674% | 3,448 |
| Net charge-offs to loans | 0.2778% | 3,808 |
| Credit loss provision to net charge-offs | 11.7647% | 6,178 |
| Earnings coverage of net charge-offs (x) | 4.8235% | 2,991 |
| Efficiency ratio | 82.1154% | 2,710 |
| Assets per employee ($millions) | 2.4554% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 7,234 |
| Loan loss allowance to noncurrent loans | 79.3103% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0091% | 4,948 |
| Noncurrent loans to loans | 0.9785% | 5,256 |
| Net loans and leases to total assets | 53.2287% | 6,544 |
| Net loans and leases to deposits | 64.7778% | 6,494 |
| Net loans and leases to core deposits | 75.7828% | 6,688 |
| Total domestic deposits to total assets | 82.1711% | 4,621 |
| Equity capital to assets | 16.7881% | 693 |
| Core capital (leverage) ratio | 14.5814% | 1,002 |
| Tier 1 risk-based capital ratio | 27.2952% | 763 |
| Total risk-based capital ratio | 28.0787% | 768 |
| Memoranda: | ||
| Average total assets | $22,216,000 | 7,873 |
| Average earning assets | $19,379,000 | 7,876 |
| Average equity | $3,682,330 | 7,514 |
| Average total loans | $12,237,000 | 7,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 4,759 |
| Cost of funding earning assets | 1.2997% | 7,011 |
| Net interest margin | 4.2291% | 1,808 |
| Noninterest income to average assets | 0.9158% | 1,791 |
| Noninterest expense to average assets | 3.8430% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5926% | 4,045 |
| Return on assets (ROA) | 0.5926% | 4,244 |
| Pretax return on assets | 0.7542% | 4,243 |
| Return on Equity (ROE) | 3.5982% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.5982% | 3,894 |
| Net charge-offs to loans | -0.0644% | 7,777 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6406% | 2,588 |
| Assets per employee ($millions) | 2.4942% | 7,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 6,614 |
| Loan loss allowance to noncurrent loans | 63.7427% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 4,658 |
| Noncurrent loans to loans | 1.4556% | 4,122 |
| Net loans and leases to total assets | 51.8487% | 6,701 |
| Net loans and leases to deposits | 62.7609% | 6,668 |
| Net loans and leases to core deposits | 73.6040% | 6,828 |
| Total domestic deposits to total assets | 82.6132% | 4,329 |
| Equity capital to assets | 16.4157% | 808 |
| Core capital (leverage) ratio | 14.7510% | 1,024 |
| Tier 1 risk-based capital ratio | 27.2477% | 802 |
| Total risk-based capital ratio | 28.1846% | 804 |
| Memoranda: | ||
| Average total assets | $22,274,500 | 7,918 |
| Average earning assets | $19,389,500 | 7,923 |
| Average equity | $3,668,500 | 7,566 |
| Average total loans | $12,428,000 | 7,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0703% | 5,203 |
| Cost of funding earning assets | 2.0759% | 6,148 |
| Net interest margin | 3.9944% | 3,144 |
| Noninterest income to average assets | 0.7953% | 2,543 |
| Noninterest expense to average assets | 3.7997% | 1,755 |
| Loan and lease loss provision to assets | 0.0044% | 7,301 |
| Net operating income to assets | 0.4656% | 4,884 |
| Return on assets (ROA) | -0.6804% | 6,955 |
| Pretax return on assets | -0.6892% | 6,801 |
| Return on Equity (ROE) | -4.1058% | 6,760 |
| Retained earnings to average equity (ytd only) | -5.5721% | 6,596 |
| Net charge-offs to loans | 0.2277% | 3,963 |
| Credit loss provision to net charge-offs | 3.5714% | 6,643 |
| Earnings coverage of net charge-offs (x) | 3.8214% | 4,216 |
| Efficiency ratio | 86.6598% | 1,789 |
| Assets per employee ($millions) | 2.4557% | 7,287 |
| Cash dividends to net income (ytd only)* | -35.7143% | 8,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 7,042 |
| Loan loss allowance to noncurrent loans | 53.7688% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 3,939 |
| Noncurrent loans to loans | 1.5182% | 3,511 |
| Net loans and leases to total assets | 58.8254% | 6,087 |
| Net loans and leases to deposits | 71.3048% | 6,132 |
| Net loans and leases to core deposits | 81.6594% | 6,485 |
| Total domestic deposits to total assets | 82.4985% | 3,996 |
| Equity capital to assets | 16.5241% | 835 |
| Core capital (leverage) ratio | 14.2590% | 1,203 |
| Tier 1 risk-based capital ratio | 25.0640% | 978 |
| Total risk-based capital ratio | 25.9203% | 990 |
| Memoranda: | ||
| Average total assets | $22,633,400 | 7,924 |
| Average earning assets | $19,702,400 | 7,950 |
| Average equity | $3,750,800 | 7,596 |
| Average total loans | $12,297,000 | 7,816 |