| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 124.2667% | 43 |
| Cost of funding earning assets | 2.1540% | 1,848 |
| Net interest margin | 122.1127% | 1 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 94.1804% | 22 |
| Loan and lease loss provision to assets | 11.8300% | 2 |
| Net operating income to assets | 0.9984% | 2,068 |
| Return on assets (ROA) | 0.9951% | 2,066 |
| Pretax return on assets | 1.3372% | 1,661 |
| Return on Equity (ROE) | 8.5300% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.5257% | 943 |
| Net charge-offs to loans | 10.4855% | 24 |
| Credit loss provision to net charge-offs | 168.2528% | 1,289 |
| Earnings coverage of net charge-offs (x) | 1.8733% | 2,864 |
| Efficiency ratio | 87.6210% | 604 |
| Assets per employee ($millions) | 4.1648% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4326% | 63 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 63.1900% | 2,648 |
| Net loans and leases to deposits | 75.3847% | 2,521 |
| Net loans and leases to core deposits | 79.3656% | 2,822 |
| Total domestic deposits to total assets | 83.8300% | 2,821 |
| Equity capital to assets | 12.3926% | 1,052 |
| Core capital (leverage) ratio | 14.1697% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8516% | 1,085 |
| Memoranda: |
| Average total assets | $118,385,600 | 3,631 |
| Average earning assets | $103,808,200 | 3,666 |
| Average equity | $13,817,000 | 3,440 |
| Average total loans | $79,367,000 | 3,423 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 119.6487% | 45 |
| Cost of funding earning assets | 2.0885% | 2,006 |
| Net interest margin | 117.5601% | 1 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 96.4607% | 20 |
| Loan and lease loss provision to assets | 6.7100% | 6 |
| Net operating income to assets | 0.9915% | 2,082 |
| Return on assets (ROA) | 0.9869% | 2,102 |
| Pretax return on assets | 1.3295% | 1,690 |
| Return on Equity (ROE) | 8.6200% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.6166% | 1,226 |
| Net charge-offs to loans | 0.1368% | 802 |
| Credit loss provision to net charge-offs | 7,333.3333% | 72 |
| Earnings coverage of net charge-offs (x) | 87.9231% | 863 |
| Efficiency ratio | 92.1806% | 450 |
| Assets per employee ($millions) | 4.2058% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7082% | 62 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 65.4000% | 2,380 |
| Net loans and leases to deposits | 82.0613% | 1,978 |
| Net loans and leases to core deposits | 87.0654% | 2,344 |
| Total domestic deposits to total assets | 79.6900% | 3,513 |
| Equity capital to assets | 13.6051% | 816 |
| Core capital (leverage) ratio | 15.7708% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2193% | 1,053 |
| Memoranda: |
| Average total assets | $113,622,750 | 3,663 |
| Average earning assets | $100,801,500 | 3,708 |
| Average equity | $13,013,250 | 3,522 |
| Average total loans | $76,002,750 | 3,482 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 106.6583% | 46 |
| Cost of funding earning assets | 2.1133% | 1,845 |
| Net interest margin | 104.5450% | 1 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 93.9205% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9082% | 2,284 |
| Return on assets (ROA) | 0.9010% | 2,315 |
| Pretax return on assets | 1.2080% | 1,914 |
| Return on Equity (ROE) | 8.4800% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.4788% | 1,235 |
| Net charge-offs to loans | 0.0418% | 1,380 |
| Credit loss provision to net charge-offs | 6.6667% | 1,981 |
| Earnings coverage of net charge-offs (x) | 44.4667% | 1,196 |
| Efficiency ratio | 98.5824% | 319 |
| Assets per employee ($millions) | 4.1338% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3568% | 4,399 |
| Loan loss allowance to noncurrent loans | 419.6970% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,291 |
| Noncurrent loans to loans | 0.0850% | 3,234 |
| Net loans and leases to total assets | 64.5200% | 2,502 |
| Net loans and leases to deposits | 76.9728% | 2,472 |
| Net loans and leases to core deposits | 81.6692% | 2,693 |
| Total domestic deposits to total assets | 83.8300% | 2,659 |
| Equity capital to assets | 13.6168% | 747 |
| Core capital (leverage) ratio | 15.4089% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4407% | 852 |
| Memoranda: |
| Average total assets | $109,439,333 | 3,723 |
| Average earning assets | $99,369,667 | 3,733 |
| Average equity | $11,629,000 | 3,619 |
| Average total loans | $71,855,667 | 3,551 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 105.8721% | 47 |
| Cost of funding earning assets | 2.1085% | 1,754 |
| Net interest margin | 103.7636% | 2 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 93.6149% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9135% | 2,197 |
| Return on assets (ROA) | 0.9135% | 2,209 |
| Pretax return on assets | 1.2282% | 1,821 |
| Return on Equity (ROE) | 10.2600% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.2570% | 1,052 |
| Net charge-offs to loans | 0.0638% | 935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 29.0909% | 1,179 |
| Efficiency ratio | 98.5634% | 322 |
| Assets per employee ($millions) | 5.7104% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3882% | 4,378 |
| Loan loss allowance to noncurrent loans | 139.3035% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,437 |
| Noncurrent loans to loans | 0.2787% | 2,314 |
| Net loans and leases to total assets | 66.2200% | 2,217 |
| Net loans and leases to deposits | 75.6295% | 2,458 |
| Net loans and leases to core deposits | 80.5281% | 2,688 |
| Total domestic deposits to total assets | 87.5600% | 1,585 |
| Equity capital to assets | 9.3938% | 2,403 |
| Core capital (leverage) ratio | 10.4207% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7880% | 2,320 |
| Memoranda: |
| Average total assets | $104,218,500 | 3,793 |
| Average earning assets | $95,043,000 | 3,789 |
| Average equity | $9,281,500 | 3,842 |
| Average total loans | $68,968,500 | 3,605 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 61.7518% | 46 |
| Cost of funding earning assets | 1.5190% | 1,895 |
| Net interest margin | 60.2328% | 6 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 50.2760% | 39 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.8553% | 561 |
| Return on assets (ROA) | 1.8541% | 546 |
| Pretax return on assets | 2.2914% | 440 |
| Return on Equity (ROE) | 21.6700% | 481 |
| Retained earnings to average equity (ytd only) | 18.3586% | 178 |
| Net charge-offs to loans | 0.7000% | 143 |
| Credit loss provision to net charge-offs | 79.8283% | 2,025 |
| Earnings coverage of net charge-offs (x) | 7.7511% | 2,384 |
| Efficiency ratio | 94.7814% | 282 |
| Assets per employee ($millions) | 5.5522% | 3,204 |
| Cash dividends to net income (ytd only)* | 15.2672% | 3,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4437% | 4,367 |
| Loan loss allowance to noncurrent loans | 160.4396% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,317 |
| Noncurrent loans to loans | 0.2766% | 2,188 |
| Net loans and leases to total assets | 65.5600% | 2,304 |
| Net loans and leases to deposits | 75.2801% | 2,523 |
| Net loans and leases to core deposits | 76.4029% | 2,948 |
| Total domestic deposits to total assets | 87.0800% | 1,654 |
| Equity capital to assets | 8.3760% | 3,137 |
| Core capital (leverage) ratio | 9.8372% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5274% | 2,709 |
| Memoranda: |
| Average total assets | $70,654,000 | 4,105 |
| Average earning assets | $61,816,800 | 4,118 |
| Average equity | $6,046,200 | 4,158 |
| Average total loans | $33,287,400 | 4,092 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 44.5389% | 42 |
| Cost of funding earning assets | 1.2868% | 2,184 |
| Net interest margin | 43.2521% | 3 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 34.5596% | 54 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 1.7532% | 722 |
| Return on assets (ROA) | 1.7516% | 711 |
| Pretax return on assets | 2.3558% | 448 |
| Return on Equity (ROE) | 20.3000% | 696 |
| Retained earnings to average equity (ytd only) | 20.2984% | 248 |
| Net charge-offs to loans | 1.0335% | 92 |
| Credit loss provision to net charge-offs | 86.6667% | 1,717 |
| Earnings coverage of net charge-offs (x) | 6.6103% | 2,277 |
| Efficiency ratio | 92.1209% | 315 |
| Assets per employee ($millions) | 4.3250% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6615% | 4,192 |
| Loan loss allowance to noncurrent loans | 168.2796% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 2,058 |
| Noncurrent loans to loans | 0.3931% | 1,847 |
| Net loans and leases to total assets | 60.3800% | 2,801 |
| Net loans and leases to deposits | 70.0077% | 2,841 |
| Net loans and leases to core deposits | 71.4399% | 3,137 |
| Total domestic deposits to total assets | 86.2500% | 2,117 |
| Equity capital to assets | 9.4965% | 2,096 |
| Core capital (leverage) ratio | 11.5160% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6664% | 1,389 |
| Memoranda: |
| Average total assets | $63,332,500 | 4,194 |
| Average earning assets | $54,396,000 | 4,222 |
| Average equity | $5,465,000 | 4,224 |
| Average total loans | $25,157,000 | 4,226 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.6664% | 47 |
| Cost of funding earning assets | 1.0400% | 2,477 |
| Net interest margin | 19.6264% | 11 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 14.0597% | 85 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 1.2746% | 1,634 |
| Return on assets (ROA) | 1.2719% | 1,629 |
| Pretax return on assets | 1.7370% | 1,138 |
| Return on Equity (ROE) | 15.4300% | 1,384 |
| Retained earnings to average equity (ytd only) | 15.4282% | 526 |
| Net charge-offs to loans | 1.4969% | 58 |
| Credit loss provision to net charge-offs | 108.2707% | 1,386 |
| Earnings coverage of net charge-offs (x) | 4.9098% | 2,197 |
| Efficiency ratio | 84.8059% | 552 |
| Assets per employee ($millions) | 3.5396% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1792% | 2,549 |
| Loan loss allowance to noncurrent loans | 182.2917% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 1,645 |
| Noncurrent loans to loans | 0.6469% | 1,155 |
| Net loans and leases to total assets | 48.7400% | 3,646 |
| Net loans and leases to deposits | 54.5642% | 3,714 |
| Net loans and leases to core deposits | 55.9656% | 3,817 |
| Total domestic deposits to total assets | 89.3300% | 1,126 |
| Equity capital to assets | 8.4239% | 2,926 |
| Core capital (leverage) ratio | 8.9200% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4891% | 1,428 |
| Memoranda: |
| Average total assets | $58,493,333 | 4,263 |
| Average earning assets | $48,078,000 | 4,311 |
| Average equity | $4,822,333 | 4,305 |
| Average total loans | $17,769,667 | 4,365 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.7445% | 23 |
| Cost of funding earning assets | 0.9702% | 2,153 |
| Net interest margin | 9.7743% | 20 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 6.0777% | 176 |
| Loan and lease loss provision to assets | 0.4200% | 191 |
| Net operating income to assets | 0.8450% | 3,037 |
| Return on assets (ROA) | 0.8395% | 3,011 |
| Pretax return on assets | 1.1101% | 2,679 |
| Return on Equity (ROE) | 10.3000% | 2,699 |
| Retained earnings to average equity (ytd only) | 10.3001% | 1,632 |
| Net charge-offs to loans | 2.6409% | 33 |
| Credit loss provision to net charge-offs | 76.9231% | 1,224 |
| Earnings coverage of net charge-offs (x) | 2.8462% | 1,915 |
| Efficiency ratio | 76.5938% | 1,119 |
| Assets per employee ($millions) | 3.6906% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7462% | 166 |
| Loan loss allowance to noncurrent loans | 153.5885% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,448 |
| Noncurrent loans to loans | 1.7880% | 346 |
| Net loans and leases to total assets | 19.2500% | 4,523 |
| Net loans and leases to deposits | 21.1509% | 4,532 |
| Net loans and leases to core deposits | 21.6942% | 4,526 |
| Total domestic deposits to total assets | 91.0200% | 797 |
| Equity capital to assets | 8.2591% | 3,074 |
| Core capital (leverage) ratio | 8.2948% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3295% | 711 |
| Memoranda: |
| Average total assets | $57,653,000 | 4,330 |
| Average earning assets | $44,115,500 | 4,411 |
| Average equity | $4,699,000 | 4,376 |
| Average total loans | $11,814,000 | 4,503 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7730% | 451 |
| Cost of funding earning assets | 0.0896% | 4,430 |
| Net interest margin | 4.6834% | 211 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 3.2300% | 686 |
| Loan and lease loss provision to assets | 0.5000% | 121 |
| Net operating income to assets | 0.4055% | 4,237 |
| Return on assets (ROA) | 0.4120% | 4,195 |
| Pretax return on assets | 0.5694% | 4,078 |
| Return on Equity (ROE) | 5.5000% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.4972% | 2,826 |
| Net charge-offs to loans | 0.3748% | 201 |
| Credit loss provision to net charge-offs | 514.8936% | 665 |
| Earnings coverage of net charge-offs (x) | 10.9362% | 2,170 |
| Efficiency ratio | 71.2150% | 1,540 |
| Assets per employee ($millions) | 3.5160% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6333% | 913 |
| Loan loss allowance to noncurrent loans | 89.4495% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 1,320 |
| Noncurrent loans to loans | 1.8259% | 325 |
| Net loans and leases to total assets | 20.8800% | 4,542 |
| Net loans and leases to deposits | 24.1497% | 4,546 |
| Net loans and leases to core deposits | 24.8372% | 4,537 |
| Total domestic deposits to total assets | 86.4400% | 2,592 |
| Equity capital to assets | 8.0365% | 3,040 |
| Core capital (leverage) ratio | 9.8935% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7382% | 1,175 |
| Memoranda: |
| Average total assets | $48,297,400 | 4,456 |
| Average earning assets | $42,405,200 | 4,459 |
| Average equity | $3,620,000 | 4,558 |
| Average total loans | $12,541,000 | 4,518 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6982% | 4,294 |
| Cost of funding earning assets | 0.0250% | 4,648 |
| Net interest margin | 2.6732% | 3,986 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.9204% | 3,699 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.5945% | 3,848 |
| Return on assets (ROA) | 0.6046% | 3,783 |
| Pretax return on assets | 0.6881% | 3,825 |
| Return on Equity (ROE) | 8.2500% | 3,258 |
| Retained earnings to average equity (ytd only) | 8.2478% | 1,912 |
| Net charge-offs to loans | -0.0210% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4646% | 2,093 |
| Assets per employee ($millions) | 3.6768% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1183% | 4,633 |
| Loan loss allowance to noncurrent loans | 10.6509% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,536 |
| Noncurrent loans to loans | 1.1110% | 671 |
| Net loans and leases to total assets | 31.7900% | 4,382 |
| Net loans and leases to deposits | 36.2749% | 4,353 |
| Net loans and leases to core deposits | 37.4793% | 4,354 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 9.1215% | 2,132 |
| Core capital (leverage) ratio | 10.5169% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1910% | 715 |
| Memoranda: |
| Average total assets | $46,307,750 | 4,509 |
| Average earning assets | $42,744,250 | 4,486 |
| Average equity | $3,394,750 | 4,621 |
| Average total loans | $12,691,500 | 4,548 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9294% | 4,741 |
| Cost of funding earning assets | 0.0183% | 4,721 |
| Net interest margin | 0.9111% | 4,738 |
| Noninterest income to average assets | 0.0477% | 4,635 |
| Noninterest expense to average assets | 0.6845% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2253% | 4,392 |
| Return on assets (ROA) | 0.2253% | 4,351 |
| Pretax return on assets | 0.2253% | 4,381 |
| Return on Equity (ROE) | 3.0335% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.0335% | 3,434 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5238% | 2,025 |
| Assets per employee ($millions) | 6.0166% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 4,721 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,163 |
| Noncurrent loans to loans | 2.1562% | 295 |
| Net loans and leases to total assets | 22.7391% | 4,618 |
| Net loans and leases to deposits | 25.2427% | 4,626 |
| Net loans and leases to core deposits | 26.0515% | 4,626 |
| Total domestic deposits to total assets | 90.0816% | 1,678 |
| Equity capital to assets | 9.7750% | 1,834 |
| Core capital (leverage) ratio | 8.6326% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2700% | 354 |
| Memoranda: |
| Average total assets | $46,166,000 | 4,556 |
| Average earning assets | $43,683,333 | 4,536 |
| Average equity | $3,428,333 | 4,662 |
| Average total loans | $11,840,667 | 4,632 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5417% | 4,213 |
| Cost of funding earning assets | 0.1117% | 3,987 |
| Net interest margin | 2.4300% | 4,018 |
| Noninterest income to average assets | 0.2390% | 3,715 |
| Noninterest expense to average assets | 2.4700% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2567% | 4,228 |
| Return on assets (ROA) | 0.2567% | 4,200 |
| Pretax return on assets | 0.0797% | 4,463 |
| Return on Equity (ROE) | 4.1577% | 3,835 |
| Retained earnings to average equity (ytd only) | 4.1577% | 2,880 |
| Net charge-offs to loans | 0.0651% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 1,623 |
| Efficiency ratio | 96.8750% | 306 |
| Assets per employee ($millions) | 5.8433% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2181% | 129 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 1,145 |
| Noncurrent loans to loans | 2.0113% | 366 |
| Net loans and leases to total assets | 25.2193% | 4,588 |
| Net loans and leases to deposits | 26.4921% | 4,631 |
| Net loans and leases to core deposits | 26.4921% | 4,647 |
| Total domestic deposits to total assets | 95.1953% | 32 |
| Equity capital to assets | 4.6721% | 4,748 |
| Core capital (leverage) ratio | 6.1207% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0307% | 1,036 |
| Memoranda: |
| Average total assets | $45,182,500 | 4,588 |
| Average earning assets | $42,963,000 | 4,566 |
| Average equity | $2,790,000 | 4,729 |
| Average total loans | $12,288,500 | 4,649 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5630% | 4,434 |
| Cost of funding earning assets | 0.1686% | 3,784 |
| Net interest margin | 2.3944% | 4,328 |
| Noninterest income to average assets | 0.2340% | 3,979 |
| Noninterest expense to average assets | 2.9528% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.4747% | 4,760 |
| Return on assets (ROA) | -0.4452% | 4,762 |
| Pretax return on assets | -0.4316% | 4,757 |
| Return on Equity (ROE) | -5.3203% | 4,782 |
| Retained earnings to average equity (ytd only) | -5.3203% | 4,716 |
| Net charge-offs to loans | -0.3456% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5050% | 70 |
| Assets per employee ($millions) | 5.4524% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1704% | 128 |
| Loan loss allowance to noncurrent loans | 111.6477% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 743 |
| Noncurrent loans to loans | 2.8396% | 214 |
| Net loans and leases to total assets | 27.5178% | 4,579 |
| Net loans and leases to deposits | 29.9006% | 4,624 |
| Net loans and leases to core deposits | 30.9380% | 4,626 |
| Total domestic deposits to total assets | 92.0310% | 167 |
| Equity capital to assets | 7.7856% | 4,475 |
| Core capital (leverage) ratio | 7.3138% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2481% | 726 |
| Memoranda: |
| Average total assets | $44,026,200 | 4,618 |
| Average earning assets | $41,514,000 | 4,604 |
| Average equity | $3,684,000 | 4,727 |
| Average total loans | $13,019,600 | 4,681 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5221% | 4,556 |
| Cost of funding earning assets | 0.1829% | 3,782 |
| Net interest margin | 2.3392% | 4,455 |
| Noninterest income to average assets | 0.2175% | 4,096 |
| Noninterest expense to average assets | 2.9187% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5076% | 4,826 |
| Return on assets (ROA) | -0.4683% | 4,832 |
| Pretax return on assets | -0.4593% | 4,829 |
| Return on Equity (ROE) | -5.5022% | 4,854 |
| Retained earnings to average equity (ytd only) | -5.5022% | 4,793 |
| Net charge-offs to loans | -0.4554% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5993% | 70 |
| Assets per employee ($millions) | 4.8404% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1671% | 133 |
| Loan loss allowance to noncurrent loans | 149.4297% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 1,267 |
| Noncurrent loans to loans | 2.1194% | 401 |
| Net loans and leases to total assets | 27.5824% | 4,665 |
| Net loans and leases to deposits | 30.1538% | 4,697 |
| Net loans and leases to core deposits | 31.2080% | 4,703 |
| Total domestic deposits to total assets | 91.4723% | 241 |
| Equity capital to assets | 8.3601% | 4,302 |
| Core capital (leverage) ratio | 7.3286% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7245% | 1,185 |
| Memoranda: |
| Average total assets | $44,128,000 | 4,687 |
| Average earning assets | $41,551,750 | 4,665 |
| Average equity | $3,756,000 | 4,792 |
| Average total loans | $13,175,500 | 4,750 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4930% | 4,620 |
| Cost of funding earning assets | 0.1903% | 3,849 |
| Net interest margin | 2.3027% | 4,518 |
| Noninterest income to average assets | 0.2121% | 4,135 |
| Noninterest expense to average assets | 2.8207% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.4242% | 4,860 |
| Return on assets (ROA) | -0.3881% | 4,860 |
| Pretax return on assets | -0.3881% | 4,853 |
| Return on Equity (ROE) | -4.5335% | 4,876 |
| Retained earnings to average equity (ytd only) | -4.5335% | 4,778 |
| Net charge-offs to loans | -0.6999% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7024% | 79 |
| Assets per employee ($millions) | 5.6614% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0436% | 147 |
| Loan loss allowance to noncurrent loans | 145.2206% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 1,395 |
| Noncurrent loans to loans | 2.0959% | 447 |
| Net loans and leases to total assets | 27.7826% | 4,707 |
| Net loans and leases to deposits | 30.3161% | 4,749 |
| Net loans and leases to core deposits | 31.3322% | 4,753 |
| Total domestic deposits to total assets | 91.6429% | 206 |
| Equity capital to assets | 8.2158% | 4,422 |
| Core capital (leverage) ratio | 7.2476% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1395% | 1,304 |
| Memoranda: |
| Average total assets | $44,316,000 | 4,717 |
| Average earning assets | $42,037,333 | 4,685 |
| Average equity | $3,794,000 | 4,819 |
| Average total loans | $13,431,000 | 4,779 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5346% | 4,626 |
| Cost of funding earning assets | 0.2104% | 3,822 |
| Net interest margin | 2.3241% | 4,499 |
| Noninterest income to average assets | 0.2190% | 4,076 |
| Noninterest expense to average assets | 2.8383% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4289% | 4,879 |
| Return on assets (ROA) | -0.3559% | 4,873 |
| Pretax return on assets | -0.3286% | 4,864 |
| Return on Equity (ROE) | -4.0726% | 4,896 |
| Retained earnings to average equity (ytd only) | -4.0726% | 4,661 |
| Net charge-offs to loans | -0.0293% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4794% | 84 |
| Assets per employee ($millions) | 5.8129% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6164% | 222 |
| Loan loss allowance to noncurrent loans | 131.6981% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 1,663 |
| Noncurrent loans to loans | 1.9867% | 550 |
| Net loans and leases to total assets | 27.9337% | 4,751 |
| Net loans and leases to deposits | 30.3505% | 4,791 |
| Net loans and leases to core deposits | 30.3505% | 4,808 |
| Total domestic deposits to total assets | 92.0371% | 133 |
| Equity capital to assets | 7.8533% | 4,572 |
| Core capital (leverage) ratio | 7.4227% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1147% | 2,244 |
| Memoranda: |
| Average total assets | $43,828,500 | 4,742 |
| Average earning assets | $41,822,000 | 4,707 |
| Average equity | $3,830,500 | 4,839 |
| Average total loans | $13,657,500 | 4,805 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5497% | 3,921 |
| Cost of funding earning assets | 0.2336% | 4,447 |
| Net interest margin | 3.3161% | 3,029 |
| Noninterest income to average assets | 0.2451% | 4,019 |
| Noninterest expense to average assets | 3.2856% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0178% | 4,742 |
| Return on assets (ROA) | 0.3205% | 4,466 |
| Pretax return on assets | 0.4848% | 4,296 |
| Return on Equity (ROE) | 3.0494% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.0494% | 3,325 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3078% | 195 |
| Assets per employee ($millions) | 4.5727% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4900% | 268 |
| Loan loss allowance to noncurrent loans | 60.7330% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3923% | 558 |
| Noncurrent loans to loans | 4.0999% | 132 |
| Net loans and leases to total assets | 33.1146% | 4,675 |
| Net loans and leases to deposits | 36.7401% | 4,727 |
| Net loans and leases to core deposits | 38.1235% | 4,737 |
| Total domestic deposits to total assets | 90.1322% | 513 |
| Equity capital to assets | 9.7415% | 3,376 |
| Core capital (leverage) ratio | 8.6196% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7746% | 604 |
| Memoranda: |
| Average total assets | $37,132,000 | 4,806 |
| Average earning assets | $34,679,000 | 4,786 |
| Average equity | $3,902,400 | 4,848 |
| Average total loans | $14,747,600 | 4,811 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7320% | 3,722 |
| Cost of funding earning assets | 0.2142% | 4,620 |
| Net interest margin | 3.5178% | 2,532 |
| Noninterest income to average assets | 0.2325% | 4,106 |
| Noninterest expense to average assets | 3.3954% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0236% | 4,755 |
| Return on assets (ROA) | 0.4872% | 4,145 |
| Pretax return on assets | 0.6975% | 3,908 |
| Return on Equity (ROE) | 4.5409% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.5409% | 2,775 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8421% | 209 |
| Assets per employee ($millions) | 4.2960% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3604% | 278 |
| Loan loss allowance to noncurrent loans | 124.2857% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 1,614 |
| Noncurrent loans to loans | 1.8992% | 667 |
| Net loans and leases to total assets | 37.2310% | 4,635 |
| Net loans and leases to deposits | 41.5980% | 4,705 |
| Net loans and leases to core deposits | 42.9484% | 4,732 |
| Total domestic deposits to total assets | 89.5019% | 586 |
| Equity capital to assets | 10.3300% | 2,937 |
| Core capital (leverage) ratio | 9.1611% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6486% | 610 |
| Memoranda: |
| Average total assets | $36,126,500 | 4,843 |
| Average earning assets | $33,618,750 | 4,829 |
| Average equity | $3,875,750 | 4,876 |
| Average total loans | $14,940,500 | 4,839 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9282% | 3,543 |
| Cost of funding earning assets | 0.2152% | 4,718 |
| Net interest margin | 3.7130% | 2,118 |
| Noninterest income to average assets | 0.2268% | 4,129 |
| Noninterest expense to average assets | 3.4410% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0897% | 4,699 |
| Return on assets (ROA) | 0.7256% | 3,404 |
| Pretax return on assets | 1.0147% | 2,983 |
| Return on Equity (ROE) | 6.6730% | 3,259 |
| Retained earnings to average equity (ytd only) | 6.6730% | 1,788 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2547% | 289 |
| Assets per employee ($millions) | 4.0926% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4178% | 244 |
| Loan loss allowance to noncurrent loans | 116.3880% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 1,528 |
| Noncurrent loans to loans | 2.0774% | 628 |
| Net loans and leases to total assets | 38.1316% | 4,663 |
| Net loans and leases to deposits | 42.7797% | 4,728 |
| Net loans and leases to core deposits | 42.7797% | 4,780 |
| Total domestic deposits to total assets | 89.1347% | 700 |
| Equity capital to assets | 10.7105% | 2,563 |
| Core capital (leverage) ratio | 9.4279% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7083% | 948 |
| Memoranda: |
| Average total assets | $35,280,667 | 4,878 |
| Average earning assets | $32,534,000 | 4,865 |
| Average equity | $3,836,333 | 4,911 |
| Average total loans | $15,006,333 | 4,865 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2557% | 3,049 |
| Cost of funding earning assets | 0.2128% | 4,864 |
| Net interest margin | 4.0429% | 1,281 |
| Noninterest income to average assets | 0.2319% | 4,160 |
| Noninterest expense to average assets | 3.5474% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2404% | 4,464 |
| Return on assets (ROA) | 1.1013% | 1,938 |
| Pretax return on assets | 1.5186% | 1,259 |
| Return on Equity (ROE) | 10.0476% | 1,734 |
| Retained earnings to average equity (ytd only) | 10.0476% | 740 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2128% | 525 |
| Assets per employee ($millions) | 4.0257% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2723% | 339 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 1,193 |
| Noncurrent loans to loans | 2.5857% | 450 |
| Net loans and leases to total assets | 41.3099% | 4,617 |
| Net loans and leases to deposits | 46.2902% | 4,713 |
| Net loans and leases to core deposits | 46.2902% | 4,766 |
| Total domestic deposits to total assets | 89.2413% | 570 |
| Equity capital to assets | 10.6511% | 3,191 |
| Core capital (leverage) ratio | 9.3628% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1852% | 956 |
| Memoranda: |
| Average total assets | $34,504,500 | 4,919 |
| Average earning assets | $31,957,000 | 4,903 |
| Average equity | $3,782,000 | 4,957 |
| Average total loans | $15,313,000 | 4,895 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2500% | 3,677 |
| Cost of funding earning assets | 0.2001% | 4,966 |
| Net interest margin | 4.0499% | 1,685 |
| Noninterest income to average assets | 0.3172% | 3,801 |
| Noninterest expense to average assets | 3.8155% | 656 |
| Loan and lease loss provision to assets | 0.0030% | 3,940 |
| Net operating income to assets | 0.1796% | 4,855 |
| Return on assets (ROA) | 0.1796% | 4,876 |
| Pretax return on assets | 0.3142% | 4,807 |
| Return on Equity (ROE) | 1.6771% | 4,837 |
| Retained earnings to average equity (ytd only) | 1.6771% | 4,133 |
| Net charge-offs to loans | 0.2904% | 717 |
| Credit loss provision to net charge-offs | 2.1277% | 3,378 |
| Earnings coverage of net charge-offs (x) | 2.2553% | 3,437 |
| Efficiency ratio | 92.3244% | 283 |
| Assets per employee ($millions) | 3.6420% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2663% | 303 |
| Loan loss allowance to noncurrent loans | 86.1042% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 941 |
| Noncurrent loans to loans | 2.6321% | 397 |
| Net loans and leases to total assets | 45.6526% | 4,534 |
| Net loans and leases to deposits | 51.5307% | 4,625 |
| Net loans and leases to core deposits | 51.5307% | 4,724 |
| Total domestic deposits to total assets | 88.5930% | 846 |
| Equity capital to assets | 11.3033% | 2,703 |
| Core capital (leverage) ratio | 9.7635% | 3,774 |
| Tier 1 risk-based capital ratio | 20.2417% | 1,292 |
| Total risk-based capital ratio | 21.5002% | 1,266 |
| Memoranda: |
| Average total assets | $33,416,200 | 4,987 |
| Average earning assets | $31,482,600 | 4,967 |
| Average equity | $3,577,600 | 5,027 |
| Average total loans | $16,182,800 | 4,945 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2231% | 3,874 |
| Cost of funding earning assets | 0.1987% | 5,041 |
| Net interest margin | 4.0244% | 1,850 |
| Noninterest income to average assets | 0.2899% | 3,999 |
| Noninterest expense to average assets | 3.8161% | 644 |
| Loan and lease loss provision to assets | 0.0040% | 3,787 |
| Net operating income to assets | 0.1112% | 5,012 |
| Return on assets (ROA) | 0.1112% | 5,027 |
| Pretax return on assets | 0.2502% | 4,952 |
| Return on Equity (ROE) | 1.0528% | 5,006 |
| Retained earnings to average equity (ytd only) | 1.0528% | 4,553 |
| Net charge-offs to loans | 0.3739% | 449 |
| Credit loss provision to net charge-offs | 2.1739% | 3,024 |
| Earnings coverage of net charge-offs (x) | 1.3913% | 3,298 |
| Efficiency ratio | 93.7561% | 240 |
| Assets per employee ($millions) | 3.7602% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1615% | 351 |
| Loan loss allowance to noncurrent loans | 83.8554% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 1,023 |
| Noncurrent loans to loans | 2.5776% | 437 |
| Net loans and leases to total assets | 46.5457% | 4,577 |
| Net loans and leases to deposits | 52.4176% | 4,691 |
| Net loans and leases to core deposits | 52.4176% | 4,789 |
| Total domestic deposits to total assets | 88.7979% | 690 |
| Equity capital to assets | 10.9923% | 3,102 |
| Core capital (leverage) ratio | 9.5986% | 4,064 |
| Tier 1 risk-based capital ratio | 19.3814% | 1,486 |
| Total risk-based capital ratio | 20.6390% | 1,452 |
| Memoranda: |
| Average total assets | $33,575,750 | 5,057 |
| Average earning assets | $31,540,250 | 5,045 |
| Average equity | $3,545,750 | 5,105 |
| Average total loans | $16,400,750 | 5,013 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2351% | 3,830 |
| Cost of funding earning assets | 0.1902% | 5,094 |
| Net interest margin | 4.0449% | 1,785 |
| Noninterest income to average assets | 0.2927% | 3,981 |
| Noninterest expense to average assets | 3.8284% | 642 |
| Loan and lease loss provision to assets | 0.0060% | 3,610 |
| Net operating income to assets | 0.1254% | 5,044 |
| Return on assets (ROA) | 0.1254% | 5,053 |
| Pretax return on assets | 0.2688% | 4,964 |
| Return on Equity (ROE) | 1.2042% | 5,027 |
| Retained earnings to average equity (ytd only) | 1.2042% | 4,375 |
| Net charge-offs to loans | 0.5575% | 274 |
| Credit loss provision to net charge-offs | 2.1739% | 2,719 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,062 |
| Efficiency ratio | 93.3042% | 248 |
| Assets per employee ($millions) | 3.7332% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1669% | 347 |
| Loan loss allowance to noncurrent loans | 232.0000% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 2,472 |
| Noncurrent loans to loans | 0.9340% | 1,750 |
| Net loans and leases to total assets | 46.7633% | 4,614 |
| Net loans and leases to deposits | 52.5573% | 4,722 |
| Net loans and leases to core deposits | 52.5573% | 4,807 |
| Total domestic deposits to total assets | 88.9759% | 674 |
| Equity capital to assets | 10.8694% | 3,204 |
| Core capital (leverage) ratio | 9.4988% | 4,145 |
| Tier 1 risk-based capital ratio | 19.4980% | 1,438 |
| Total risk-based capital ratio | 20.7530% | 1,409 |
| Memoranda: |
| Average total assets | $33,487,000 | 5,100 |
| Average earning assets | $31,545,670 | 5,081 |
| Average equity | $3,487,670 | 5,149 |
| Average total loans | $16,501,000 | 5,053 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1778% | 3,933 |
| Cost of funding earning assets | 0.1899% | 5,140 |
| Net interest margin | 3.9879% | 1,881 |
| Noninterest income to average assets | 0.2991% | 3,880 |
| Noninterest expense to average assets | 3.9365% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0359% | 5,126 |
| Return on assets (ROA) | 0.0359% | 5,129 |
| Pretax return on assets | 0.1316% | 5,084 |
| Return on Equity (ROE) | 0.3524% | 5,129 |
| Retained earnings to average equity (ytd only) | 0.3524% | 4,466 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7647% | 216 |
| Assets per employee ($millions) | 3.8503% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4195% | 270 |
| Loan loss allowance to noncurrent loans | 145.5556% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 1,811 |
| Noncurrent loans to loans | 1.6623% | 935 |
| Net loans and leases to total assets | 45.7392% | 4,679 |
| Net loans and leases to deposits | 50.9172% | 4,789 |
| Net loans and leases to core deposits | 50.9172% | 4,864 |
| Total domestic deposits to total assets | 89.8306% | 520 |
| Equity capital to assets | 10.0424% | 3,785 |
| Core capital (leverage) ratio | 9.4962% | 4,132 |
| Tier 1 risk-based capital ratio | 19.9476% | 1,347 |
| Total risk-based capital ratio | 21.2072% | 1,322 |
| Memoranda: |
| Average total assets | $33,431,000 | 5,154 |
| Average earning assets | $31,595,500 | 5,133 |
| Average equity | $3,405,500 | 5,209 |
| Average total loans | $16,721,500 | 5,109 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1198% | 3,680 |
| Cost of funding earning assets | 0.1631% | 5,138 |
| Net interest margin | 3.9567% | 2,137 |
| Noninterest income to average assets | 0.3009% | 4,095 |
| Noninterest expense to average assets | 3.6104% | 861 |
| Loan and lease loss provision to assets | 0.0387% | 3,425 |
| Net operating income to assets | 0.2472% | 5,064 |
| Return on assets (ROA) | 0.2472% | 5,059 |
| Pretax return on assets | 0.3366% | 5,016 |
| Return on Equity (ROE) | 2.5632% | 4,973 |
| Retained earnings to average equity (ytd only) | 2.5632% | 4,118 |
| Net charge-offs to loans | -0.2430% | 5,287 |
| Credit loss provision to net charge-offs | -30.2326% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5830% | 323 |
| Assets per employee ($millions) | 3.5788% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2849% | 287 |
| Loan loss allowance to noncurrent loans | 140.3571% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 1,570 |
| Noncurrent loans to loans | 1.6279% | 897 |
| Net loans and leases to total assets | 52.1811% | 4,400 |
| Net loans and leases to deposits | 58.2686% | 4,562 |
| Net loans and leases to core deposits | 58.2686% | 4,692 |
| Total domestic deposits to total assets | 89.5526% | 639 |
| Equity capital to assets | 10.3418% | 3,334 |
| Core capital (leverage) ratio | 9.7778% | 3,828 |
| Tier 1 risk-based capital ratio | 19.0780% | 1,508 |
| Total risk-based capital ratio | 20.3407% | 1,462 |
| Memoranda: |
| Average total assets | $33,569,400 | 5,198 |
| Average earning assets | $31,263,800 | 5,180 |
| Average equity | $3,238,200 | 5,264 |
| Average total loans | $17,697,000 | 5,126 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0663% | 3,736 |
| Cost of funding earning assets | 0.1569% | 5,200 |
| Net interest margin | 3.9094% | 2,267 |
| Noninterest income to average assets | 0.2831% | 4,260 |
| Noninterest expense to average assets | 3.7432% | 719 |
| Loan and lease loss provision to assets | 0.0511% | 2,963 |
| Net operating income to assets | 0.0551% | 5,274 |
| Return on assets (ROA) | 0.0551% | 5,268 |
| Pretax return on assets | 0.1140% | 5,249 |
| Return on Equity (ROE) | 0.5807% | 5,260 |
| Retained earnings to average equity (ytd only) | 0.5807% | 4,937 |
| Net charge-offs to loans | -0.3217% | 5,366 |
| Credit loss provision to net charge-offs | -30.2326% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7746% | 205 |
| Assets per employee ($millions) | 3.6767% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2514% | 324 |
| Loan loss allowance to noncurrent loans | 242.5926% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 2,387 |
| Noncurrent loans to loans | 0.9280% | 1,835 |
| Net loans and leases to total assets | 51.5654% | 4,499 |
| Net loans and leases to deposits | 57.1108% | 4,695 |
| Net loans and leases to core deposits | 57.1108% | 4,819 |
| Total domestic deposits to total assets | 90.2901% | 416 |
| Equity capital to assets | 9.5376% | 4,040 |
| Core capital (leverage) ratio | 9.4366% | 4,245 |
| Tier 1 risk-based capital ratio | 16.2417% | 2,357 |
| Total risk-based capital ratio | 17.5010% | 2,300 |
| Memoranda: |
| Average total assets | $33,909,500 | 5,261 |
| Average earning assets | $31,444,500 | 5,247 |
| Average equity | $3,215,000 | 5,333 |
| Average total loans | $17,821,250 | 5,186 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9748% | 3,861 |
| Cost of funding earning assets | 0.1507% | 5,243 |
| Net interest margin | 3.8241% | 2,487 |
| Noninterest income to average assets | 0.2691% | 4,385 |
| Noninterest expense to average assets | 3.7972% | 673 |
| Loan and lease loss provision to assets | 0.0761% | 2,376 |
| Net operating income to assets | -0.0410% | 5,360 |
| Return on assets (ROA) | -0.0410% | 5,353 |
| Pretax return on assets | -0.0410% | 5,350 |
| Return on Equity (ROE) | -0.4328% | 5,359 |
| Retained earnings to average equity (ytd only) | -0.4328% | 5,020 |
| Net charge-offs to loans | -0.1560% | 5,282 |
| Credit loss provision to net charge-offs | -92.8571% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0840% | 186 |
| Assets per employee ($millions) | 3.8074% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0689% | 460 |
| Loan loss allowance to noncurrent loans | 217.9641% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 2,450 |
| Noncurrent loans to loans | 0.9492% | 1,833 |
| Net loans and leases to total assets | 50.2816% | 4,590 |
| Net loans and leases to deposits | 55.5341% | 4,777 |
| Net loans and leases to core deposits | 55.5341% | 4,882 |
| Total domestic deposits to total assets | 90.5419% | 389 |
| Equity capital to assets | 9.3238% | 4,263 |
| Core capital (leverage) ratio | 9.0394% | 4,657 |
| Tier 1 risk-based capital ratio | 17.8375% | 1,846 |
| Total risk-based capital ratio | 19.0924% | 1,809 |
| Memoranda: |
| Average total assets | $34,182,670 | 5,321 |
| Average earning assets | $31,850,330 | 5,303 |
| Average equity | $3,234,670 | 5,393 |
| Average total loans | $17,943,000 | 5,240 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9365% | 3,828 |
| Cost of funding earning assets | 0.1509% | 5,265 |
| Net interest margin | 3.7856% | 2,480 |
| Noninterest income to average assets | 0.2695% | 4,370 |
| Noninterest expense to average assets | 3.4094% | 1,148 |
| Loan and lease loss provision to assets | 0.1523% | 1,186 |
| Net operating income to assets | 0.2343% | 5,206 |
| Return on assets (ROA) | 0.2343% | 5,204 |
| Pretax return on assets | 0.2343% | 5,235 |
| Return on Equity (ROE) | 2.4581% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.4581% | 4,187 |
| Net charge-offs to loans | -0.2870% | 5,442 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8148% | 451 |
| Assets per employee ($millions) | 3.9004% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0575% | 485 |
| Loan loss allowance to noncurrent loans | 205.0847% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 2,050 |
| Noncurrent loans to loans | 1.0032% | 1,820 |
| Net loans and leases to total assets | 49.2252% | 4,612 |
| Net loans and leases to deposits | 54.3072% | 4,780 |
| Net loans and leases to core deposits | 54.3072% | 4,905 |
| Total domestic deposits to total assets | 90.6421% | 431 |
| Equity capital to assets | 9.2126% | 4,352 |
| Core capital (leverage) ratio | 8.5865% | 5,076 |
| Tier 1 risk-based capital ratio | 16.8571% | 2,158 |
| Total risk-based capital ratio | 18.1138% | 2,108 |
| Memoranda: |
| Average total assets | $34,140,500 | 5,374 |
| Average earning assets | $31,805,000 | 5,357 |
| Average equity | $3,254,500 | 5,449 |
| Average total loans | $18,117,500 | 5,295 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8624% | 3,843 |
| Cost of funding earning assets | 0.1499% | 5,263 |
| Net interest margin | 3.7125% | 2,749 |
| Noninterest income to average assets | 0.3076% | 4,258 |
| Noninterest expense to average assets | 3.7030% | 786 |
| Loan and lease loss provision to assets | 0.0478% | 3,270 |
| Net operating income to assets | -0.0119% | 5,370 |
| Return on assets (ROA) | -0.0119% | 5,374 |
| Pretax return on assets | 0.0328% | 5,419 |
| Return on Equity (ROE) | -0.1206% | 5,375 |
| Retained earnings to average equity (ytd only) | -0.1206% | 5,049 |
| Net charge-offs to loans | 0.1416% | 1,657 |
| Credit loss provision to net charge-offs | 61.5385% | 3,198 |
| Earnings coverage of net charge-offs (x) | 1.0385% | 3,937 |
| Efficiency ratio | 97.8690% | 209 |
| Assets per employee ($millions) | 4.1471% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8126% | 762 |
| Loan loss allowance to noncurrent loans | 206.7485% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,653 |
| Noncurrent loans to loans | 0.8767% | 2,031 |
| Net loans and leases to total assets | 55.0231% | 4,269 |
| Net loans and leases to deposits | 61.1210% | 4,501 |
| Net loans and leases to core deposits | 61.1210% | 4,703 |
| Total domestic deposits to total assets | 90.0232% | 560 |
| Equity capital to assets | 9.8713% | 3,850 |
| Core capital (leverage) ratio | 9.1110% | 4,508 |
| Tier 1 risk-based capital ratio | 16.2415% | 2,349 |
| Total risk-based capital ratio | 17.4951% | 2,284 |
| Memoranda: |
| Average total assets | $33,486,400 | 5,441 |
| Average earning assets | $31,353,600 | 5,417 |
| Average equity | $3,316,200 | 5,498 |
| Average total loans | $18,357,600 | 5,346 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8426% | 3,859 |
| Cost of funding earning assets | 0.1485% | 5,320 |
| Net interest margin | 3.6942% | 2,778 |
| Noninterest income to average assets | 0.2900% | 4,458 |
| Noninterest expense to average assets | 3.6467% | 821 |
| Loan and lease loss provision to assets | 0.0596% | 2,888 |
| Net operating income to assets | 0.0397% | 5,487 |
| Return on assets (ROA) | 0.0397% | 5,495 |
| Pretax return on assets | 0.0437% | 5,492 |
| Return on Equity (ROE) | 0.4007% | 5,490 |
| Retained earnings to average equity (ytd only) | 0.4007% | 5,129 |
| Net charge-offs to loans | 0.2332% | 920 |
| Credit loss provision to net charge-offs | 46.8750% | 2,946 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 3,632 |
| Efficiency ratio | 97.2458% | 221 |
| Assets per employee ($millions) | 4.0868% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8139% | 835 |
| Loan loss allowance to noncurrent loans | 198.7952% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,761 |
| Noncurrent loans to loans | 0.9124% | 2,102 |
| Net loans and leases to total assets | 54.6369% | 4,360 |
| Net loans and leases to deposits | 61.3554% | 4,564 |
| Net loans and leases to core deposits | 61.3554% | 4,746 |
| Total domestic deposits to total assets | 89.0500% | 857 |
| Equity capital to assets | 10.1915% | 3,700 |
| Core capital (leverage) ratio | 9.1437% | 4,581 |
| Tier 1 risk-based capital ratio | 16.6704% | 2,260 |
| Total risk-based capital ratio | 17.9256% | 2,212 |
| Memoranda: |
| Average total assets | $33,563,750 | 5,504 |
| Average earning assets | $31,436,000 | 5,475 |
| Average equity | $3,326,500 | 5,562 |
| Average total loans | $18,299,000 | 5,406 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8047% | 3,876 |
| Cost of funding earning assets | 0.1386% | 5,399 |
| Net interest margin | 3.6661% | 2,766 |
| Noninterest income to average assets | 0.2718% | 4,603 |
| Noninterest expense to average assets | 3.6451% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0591% | 5,521 |
| Return on assets (ROA) | 0.0591% | 5,526 |
| Pretax return on assets | 0.0650% | 5,524 |
| Return on Equity (ROE) | 0.6016% | 5,516 |
| Retained earnings to average equity (ytd only) | 0.6016% | 4,952 |
| Net charge-offs to loans | 0.2291% | 894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.5238% | 3,367 |
| Efficiency ratio | 98.2484% | 213 |
| Assets per employee ($millions) | 4.1508% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8102% | 872 |
| Loan loss allowance to noncurrent loans | 144.2478% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 2,303 |
| Noncurrent loans to loans | 1.2549% | 1,538 |
| Net loans and leases to total assets | 53.2524% | 4,465 |
| Net loans and leases to deposits | 59.2773% | 4,680 |
| Net loans and leases to core deposits | 59.2773% | 4,864 |
| Total domestic deposits to total assets | 89.8362% | 587 |
| Equity capital to assets | 10.0524% | 3,849 |
| Core capital (leverage) ratio | 8.8077% | 4,942 |
| Tier 1 risk-based capital ratio | 16.3769% | 2,367 |
| Total risk-based capital ratio | 17.6312% | 2,311 |
| Memoranda: |
| Average total assets | $33,853,670 | 5,543 |
| Average earning assets | $31,750,330 | 5,512 |
| Average equity | $3,324,670 | 5,606 |
| Average total loans | $18,334,330 | 5,453 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7593% | 3,903 |
| Cost of funding earning assets | 0.1499% | 5,375 |
| Net interest margin | 3.6094% | 2,856 |
| Noninterest income to average assets | 0.2575% | 4,692 |
| Noninterest expense to average assets | 3.5813% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0468% | 5,574 |
| Return on assets (ROA) | 0.0468% | 5,580 |
| Pretax return on assets | 0.0585% | 5,563 |
| Return on Equity (ROE) | 0.4822% | 5,566 |
| Retained earnings to average equity (ytd only) | 0.4822% | 4,809 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3923% | 254 |
| Assets per employee ($millions) | 4.3131% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8904% | 799 |
| Loan loss allowance to noncurrent loans | 202.9240% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 2,940 |
| Noncurrent loans to loans | 0.9316% | 2,175 |
| Net loans and leases to total assets | 52.1924% | 4,497 |
| Net loans and leases to deposits | 57.8547% | 4,711 |
| Net loans and leases to core deposits | 57.8547% | 4,887 |
| Total domestic deposits to total assets | 90.2130% | 573 |
| Equity capital to assets | 9.6479% | 4,130 |
| Core capital (leverage) ratio | 8.8832% | 4,861 |
| Tier 1 risk-based capital ratio | 16.5358% | 2,345 |
| Total risk-based capital ratio | 17.7941% | 2,293 |
| Memoranda: |
| Average total assets | $34,177,500 | 5,596 |
| Average earning assets | $32,027,500 | 5,575 |
| Average equity | $3,318,000 | 5,667 |
| Average total loans | $18,497,000 | 5,508 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8426% | 3,767 |
| Cost of funding earning assets | 0.1227% | 5,601 |
| Net interest margin | 3.7198% | 2,611 |
| Noninterest income to average assets | 0.3508% | 4,222 |
| Noninterest expense to average assets | 3.7018% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1300% | 5,525 |
| Return on assets (ROA) | 0.1300% | 5,555 |
| Pretax return on assets | 0.1331% | 5,560 |
| Return on Equity (ROE) | 1.2838% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.2838% | 4,771 |
| Net charge-offs to loans | 0.2457% | 1,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,052 |
| Efficiency ratio | 96.5300% | 294 |
| Assets per employee ($millions) | 4.2313% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8618% | 860 |
| Loan loss allowance to noncurrent loans | 176.1421% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 2,739 |
| Noncurrent loans to loans | 1.0570% | 1,963 |
| Net loans and leases to total assets | 54.0355% | 4,443 |
| Net loans and leases to deposits | 60.3763% | 4,645 |
| Net loans and leases to core deposits | 61.3298% | 4,789 |
| Total domestic deposits to total assets | 89.4978% | 861 |
| Equity capital to assets | 9.7696% | 3,984 |
| Core capital (leverage) ratio | 9.0453% | 4,683 |
| Tier 1 risk-based capital ratio | 16.4451% | 2,370 |
| Total risk-based capital ratio | 17.7131% | 2,301 |
| Memoranda: |
| Average total assets | $33,064,800 | 5,672 |
| Average earning assets | $30,969,000 | 5,647 |
| Average equity | $3,349,400 | 5,721 |
| Average total loans | $17,905,000 | 5,578 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8097% | 3,893 |
| Cost of funding earning assets | 0.1212% | 5,670 |
| Net interest margin | 3.6885% | 2,758 |
| Noninterest income to average assets | 0.3813% | 4,058 |
| Noninterest expense to average assets | 3.6995% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1339% | 5,580 |
| Return on assets (ROA) | 0.1339% | 5,635 |
| Pretax return on assets | 0.1379% | 5,642 |
| Return on Equity (ROE) | 1.3095% | 5,600 |
| Retained earnings to average equity (ytd only) | 1.3095% | 4,989 |
| Net charge-offs to loans | 0.3311% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.7726% | 3,759 |
| Efficiency ratio | 96.4059% | 303 |
| Assets per employee ($millions) | 3.2990% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8755% | 888 |
| Loan loss allowance to noncurrent loans | 525.7576% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 4,299 |
| Noncurrent loans to loans | 0.3567% | 3,979 |
| Net loans and leases to total assets | 55.0318% | 4,401 |
| Net loans and leases to deposits | 62.6272% | 4,588 |
| Net loans and leases to core deposits | 63.6615% | 4,741 |
| Total domestic deposits to total assets | 87.8721% | 1,467 |
| Equity capital to assets | 10.1970% | 3,919 |
| Core capital (leverage) ratio | 8.8154% | 5,038 |
| Tier 1 risk-based capital ratio | 15.9224% | 2,661 |
| Total risk-based capital ratio | 17.1883% | 2,589 |
| Memoranda: |
| Average total assets | $32,868,500 | 5,737 |
| Average earning assets | $30,797,750 | 5,708 |
| Average equity | $3,360,000 | 5,778 |
| Average total loans | $17,721,750 | 5,641 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7674% | 4,065 |
| Cost of funding earning assets | 0.1165% | 5,772 |
| Net interest margin | 3.6508% | 2,895 |
| Noninterest income to average assets | 0.2863% | 4,739 |
| Noninterest expense to average assets | 3.5397% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1767% | 5,567 |
| Return on assets (ROA) | 0.1767% | 5,621 |
| Pretax return on assets | 0.1828% | 5,635 |
| Return on Equity (ROE) | 1.7269% | 5,571 |
| Retained earnings to average equity (ytd only) | 1.7269% | 4,698 |
| Net charge-offs to loans | 0.1833% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 3,356 |
| Efficiency ratio | 95.0900% | 379 |
| Assets per employee ($millions) | 4.2060% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1481% | 580 |
| Loan loss allowance to noncurrent loans | 543.4783% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 4,602 |
| Noncurrent loans to loans | 0.3953% | 3,945 |
| Net loans and leases to total assets | 50.7668% | 4,786 |
| Net loans and leases to deposits | 56.9172% | 4,954 |
| Net loans and leases to core deposits | 57.8228% | 5,080 |
| Total domestic deposits to total assets | 89.1940% | 815 |
| Equity capital to assets | 10.1046% | 4,085 |
| Core capital (leverage) ratio | 9.0722% | 4,747 |
| Tier 1 risk-based capital ratio | 16.8702% | 2,274 |
| Total risk-based capital ratio | 18.1307% | 2,219 |
| Memoranda: |
| Average total assets | $32,828,000 | 5,804 |
| Average earning assets | $30,897,000 | 5,775 |
| Average equity | $3,358,670 | 5,847 |
| Average total loans | $17,461,670 | 5,719 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7926% | 3,971 |
| Cost of funding earning assets | 0.1312% | 5,746 |
| Net interest margin | 3.6614% | 2,844 |
| Noninterest income to average assets | 0.2715% | 4,791 |
| Noninterest expense to average assets | 3.4179% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2961% | 5,318 |
| Return on assets (ROA) | 0.2961% | 5,395 |
| Pretax return on assets | 0.2961% | 5,514 |
| Return on Equity (ROE) | 2.8760% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.8760% | 4,079 |
| Net charge-offs to loans | 0.3665% | 603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 2,810 |
| Efficiency ratio | 92.0266% | 543 |
| Assets per employee ($millions) | 4.1609% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1814% | 606 |
| Loan loss allowance to noncurrent loans | 535.7143% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 4,642 |
| Noncurrent loans to loans | 0.4072% | 3,975 |
| Net loans and leases to total assets | 50.5182% | 4,760 |
| Net loans and leases to deposits | 56.6500% | 4,943 |
| Net loans and leases to core deposits | 57.5614% | 5,071 |
| Total domestic deposits to total assets | 89.1760% | 1,012 |
| Equity capital to assets | 10.1121% | 3,931 |
| Core capital (leverage) ratio | 9.1882% | 4,611 |
| Tier 1 risk-based capital ratio | 16.8296% | 2,354 |
| Total risk-based capital ratio | 18.0899% | 2,293 |
| Memoranda: |
| Average total assets | $32,418,000 | 5,873 |
| Average earning assets | $30,480,500 | 5,839 |
| Average equity | $3,338,000 | 5,902 |
| Average total loans | $17,464,000 | 5,771 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9019% | 3,701 |
| Cost of funding earning assets | 0.1005% | 5,960 |
| Net interest margin | 3.8014% | 2,369 |
| Noninterest income to average assets | 0.3706% | 4,261 |
| Noninterest expense to average assets | 3.7356% | 933 |
| Loan and lease loss provision to assets | -0.2224% | 6,007 |
| Net operating income to assets | 0.4477% | 4,889 |
| Return on assets (ROA) | 0.4477% | 4,972 |
| Pretax return on assets | 0.4477% | 5,230 |
| Return on Equity (ROE) | 4.6663% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.6663% | 2,666 |
| Net charge-offs to loans | 0.0279% | 3,667 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 2,220 |
| Efficiency ratio | 94.3114% | 470 |
| Assets per employee ($millions) | 3.9436% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1988% | 593 |
| Loan loss allowance to noncurrent loans | 393.9394% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 4,338 |
| Noncurrent loans to loans | 0.5582% | 3,497 |
| Net loans and leases to total assets | 54.9843% | 4,392 |
| Net loans and leases to deposits | 61.8498% | 4,642 |
| Net loans and leases to core deposits | 62.9016% | 4,804 |
| Total domestic deposits to total assets | 88.8998% | 1,170 |
| Equity capital to assets | 10.4916% | 3,375 |
| Core capital (leverage) ratio | 9.2399% | 4,560 |
| Tier 1 risk-based capital ratio | 16.1997% | 2,603 |
| Total risk-based capital ratio | 17.4738% | 2,553 |
| Memoranda: |
| Average total assets | $33,729,400 | 5,899 |
| Average earning assets | $31,856,600 | 5,859 |
| Average equity | $3,236,000 | 5,967 |
| Average total loans | $17,894,600 | 5,797 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8980% | 3,751 |
| Cost of funding earning assets | 0.1030% | 6,045 |
| Net interest margin | 3.7950% | 2,406 |
| Noninterest income to average assets | 0.3229% | 4,633 |
| Noninterest expense to average assets | 3.6644% | 1,025 |
| Loan and lease loss provision to assets | -0.2918% | 6,153 |
| Net operating income to assets | 0.5329% | 4,664 |
| Return on assets (ROA) | 0.5329% | 4,763 |
| Pretax return on assets | 0.5329% | 5,141 |
| Return on Equity (ROE) | 5.6771% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.6771% | 2,467 |
| Net charge-offs to loans | 0.0297% | 3,339 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | 15.5084% | 2,177 |
| Efficiency ratio | 93.8247% | 497 |
| Assets per employee ($millions) | 3.6403% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2083% | 654 |
| Loan loss allowance to noncurrent loans | 387.1287% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,138 |
| Noncurrent loans to loans | 0.5704% | 3,627 |
| Net loans and leases to total assets | 52.8493% | 4,676 |
| Net loans and leases to deposits | 59.9031% | 4,866 |
| Net loans and leases to core deposits | 60.8911% | 5,008 |
| Total domestic deposits to total assets | 88.2245% | 1,437 |
| Equity capital to assets | 10.1364% | 4,013 |
| Core capital (leverage) ratio | 8.9709% | 5,028 |
| Tier 1 risk-based capital ratio | 15.7756% | 2,907 |
| Total risk-based capital ratio | 17.0491% | 2,833 |
| Memoranda: |
| Average total assets | $34,274,500 | 5,964 |
| Average earning assets | $32,357,750 | 5,927 |
| Average equity | $3,217,500 | 6,046 |
| Average total loans | $17,934,000 | 5,864 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7713% | 4,170 |
| Cost of funding earning assets | 0.1036% | 6,120 |
| Net interest margin | 3.6677% | 2,841 |
| Noninterest income to average assets | 0.3450% | 4,489 |
| Noninterest expense to average assets | 3.6344% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1725% | 5,757 |
| Return on assets (ROA) | 0.1725% | 5,819 |
| Pretax return on assets | 0.1725% | 5,856 |
| Return on Equity (ROE) | 1.8850% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.8850% | 4,753 |
| Net charge-offs to loans | 0.0888% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,143 |
| Efficiency ratio | 95.4683% | 458 |
| Assets per employee ($millions) | 3.7644% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5399% | 466 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 4,255 |
| Noncurrent loans to loans | 0.5772% | 3,723 |
| Net loans and leases to total assets | 52.3259% | 4,724 |
| Net loans and leases to deposits | 57.8269% | 5,006 |
| Net loans and leases to core deposits | 58.7234% | 5,148 |
| Total domestic deposits to total assets | 90.4870% | 460 |
| Equity capital to assets | 9.3979% | 4,781 |
| Core capital (leverage) ratio | 8.6920% | 5,328 |
| Tier 1 risk-based capital ratio | 16.1075% | 2,803 |
| Total risk-based capital ratio | 17.3637% | 2,752 |
| Memoranda: |
| Average total assets | $34,778,330 | 6,018 |
| Average earning assets | $32,827,000 | 5,982 |
| Average equity | $3,183,000 | 6,112 |
| Average total loans | $18,010,000 | 5,924 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7013% | 4,357 |
| Cost of funding earning assets | 0.0965% | 6,219 |
| Net interest margin | 3.6049% | 2,980 |
| Noninterest income to average assets | 0.3747% | 4,201 |
| Noninterest expense to average assets | 3.3497% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4201% | 4,996 |
| Return on assets (ROA) | 0.4201% | 5,118 |
| Pretax return on assets | 0.4201% | 5,390 |
| Return on Equity (ROE) | 4.6504% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.6504% | 3,236 |
| Net charge-offs to loans | 0.1786% | 1,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 2,466 |
| Efficiency ratio | 88.8554% | 951 |
| Assets per employee ($millions) | 4.0460% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6362% | 439 |
| Loan loss allowance to noncurrent loans | 431.7757% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 4,458 |
| Noncurrent loans to loans | 0.6106% | 3,744 |
| Net loans and leases to total assets | 46.8584% | 5,131 |
| Net loans and leases to deposits | 51.4628% | 5,364 |
| Net loans and leases to core deposits | 52.1996% | 5,477 |
| Total domestic deposits to total assets | 91.0529% | 347 |
| Equity capital to assets | 8.8373% | 5,456 |
| Core capital (leverage) ratio | 8.0898% | 5,884 |
| Tier 1 risk-based capital ratio | 15.4544% | 3,169 |
| Total risk-based capital ratio | 16.6222% | 3,144 |
| Memoranda: |
| Average total assets | $35,227,500 | 6,073 |
| Average earning assets | $33,177,500 | 6,036 |
| Average equity | $3,182,500 | 6,175 |
| Average total loans | $17,920,000 | 5,980 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0522% | 3,516 |
| Cost of funding earning assets | 0.1250% | 6,224 |
| Net interest margin | 3.9272% | 2,127 |
| Noninterest income to average assets | 0.3696% | 4,433 |
| Noninterest expense to average assets | 4.0977% | 687 |
| Loan and lease loss provision to assets | 0.3321% | 585 |
| Net operating income to assets | -0.4072% | 6,274 |
| Return on assets (ROA) | -0.4072% | 6,275 |
| Pretax return on assets | -0.4303% | 6,264 |
| Return on Equity (ROE) | -4.3797% | 6,275 |
| Retained earnings to average equity (ytd only) | -4.3797% | 6,155 |
| Net charge-offs to loans | 0.7128% | 519 |
| Credit loss provision to net charge-offs | 86.4662% | 2,724 |
| Earnings coverage of net charge-offs (x) | -0.2556% | 4,741 |
| Efficiency ratio | 102.4549% | 318 |
| Assets per employee ($millions) | 3.7823% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5662% | 506 |
| Loan loss allowance to noncurrent loans | 283.1325% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,817 |
| Noncurrent loans to loans | 0.9064% | 3,049 |
| Net loans and leases to total assets | 52.4221% | 4,751 |
| Net loans and leases to deposits | 57.8463% | 5,075 |
| Net loans and leases to core deposits | 58.7354% | 5,218 |
| Total domestic deposits to total assets | 90.6231% | 487 |
| Equity capital to assets | 9.2447% | 5,013 |
| Core capital (leverage) ratio | 8.4194% | 5,644 |
| Tier 1 risk-based capital ratio | 14.8171% | 3,590 |
| Total risk-based capital ratio | 16.0832% | 3,513 |
| Memoranda: |
| Average total assets | $34,629,000 | 6,163 |
| Average earning assets | $32,007,600 | 6,145 |
| Average equity | $3,219,400 | 6,225 |
| Average total loans | $18,658,400 | 6,012 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2194% | 2,924 |
| Cost of funding earning assets | 0.1289% | 6,291 |
| Net interest margin | 4.0905% | 1,604 |
| Noninterest income to average assets | 0.3451% | 4,680 |
| Noninterest expense to average assets | 4.1100% | 678 |
| Loan and lease loss provision to assets | 0.4409% | 361 |
| Net operating income to assets | -0.4026% | 6,344 |
| Return on assets (ROA) | -0.4026% | 6,343 |
| Pretax return on assets | -0.4333% | 6,335 |
| Return on Equity (ROE) | -4.3243% | 6,351 |
| Retained earnings to average equity (ytd only) | -4.3243% | 6,227 |
| Net charge-offs to loans | 1.7854% | 121 |
| Credit loss provision to net charge-offs | 45.8167% | 3,180 |
| Earnings coverage of net charge-offs (x) | 0.0080% | 4,449 |
| Efficiency ratio | 99.8138% | 374 |
| Assets per employee ($millions) | 3.7619% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9245% | 1,400 |
| Loan loss allowance to noncurrent loans | 120.9622% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 2,490 |
| Noncurrent loans to loans | 1.5910% | 2,038 |
| Net loans and leases to total assets | 52.9817% | 4,698 |
| Net loans and leases to deposits | 61.0801% | 4,839 |
| Net loans and leases to core deposits | 62.0671% | 5,029 |
| Total domestic deposits to total assets | 86.7413% | 2,455 |
| Equity capital to assets | 9.4397% | 4,876 |
| Core capital (leverage) ratio | 8.1817% | 5,951 |
| Tier 1 risk-based capital ratio | 14.2288% | 4,063 |
| Total risk-based capital ratio | 15.4839% | 3,986 |
| Memoranda: |
| Average total assets | $34,776,000 | 6,235 |
| Average earning assets | $32,073,250 | 6,217 |
| Average equity | $3,237,500 | 6,298 |
| Average total loans | $18,744,250 | 6,072 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1115% | 3,295 |
| Cost of funding earning assets | 0.1302% | 6,358 |
| Net interest margin | 3.9812% | 1,869 |
| Noninterest income to average assets | 0.3078% | 4,947 |
| Noninterest expense to average assets | 3.9279% | 829 |
| Loan and lease loss provision to assets | 0.6556% | 210 |
| Net operating income to assets | -0.5701% | 6,451 |
| Return on assets (ROA) | -0.5701% | 6,454 |
| Pretax return on assets | -0.6157% | 6,450 |
| Return on Equity (ROE) | -6.1513% | 6,460 |
| Retained earnings to average equity (ytd only) | -6.1513% | 6,301 |
| Net charge-offs to loans | 1.3231% | 224 |
| Credit loss provision to net charge-offs | 92.0000% | 2,146 |
| Earnings coverage of net charge-offs (x) | 0.0560% | 4,122 |
| Efficiency ratio | 98.9943% | 431 |
| Assets per employee ($millions) | 3.6785% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5992% | 611 |
| Loan loss allowance to noncurrent loans | 106.4588% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7045% | 1,916 |
| Noncurrent loans to loans | 2.4415% | 1,282 |
| Net loans and leases to total assets | 48.6938% | 5,115 |
| Net loans and leases to deposits | 53.3953% | 5,396 |
| Net loans and leases to core deposits | 54.1475% | 5,541 |
| Total domestic deposits to total assets | 91.1948% | 344 |
| Equity capital to assets | 8.6883% | 5,620 |
| Core capital (leverage) ratio | 8.0858% | 6,031 |
| Tier 1 risk-based capital ratio | 13.7046% | 4,447 |
| Total risk-based capital ratio | 14.9682% | 4,385 |
| Memoranda: |
| Average total assets | $35,082,330 | 6,289 |
| Average earning assets | $32,251,330 | 6,272 |
| Average equity | $3,251,330 | 6,343 |
| Average total loans | $18,895,670 | 6,117 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7962% | 4,498 |
| Cost of funding earning assets | 0.1524% | 6,342 |
| Net interest margin | 3.6438% | 3,083 |
| Noninterest income to average assets | 0.2804% | 5,122 |
| Noninterest expense to average assets | 3.9730% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2454% | 6,378 |
| Return on assets (ROA) | -0.2454% | 6,381 |
| Pretax return on assets | -0.3389% | 6,406 |
| Return on Equity (ROE) | -2.5618% | 6,383 |
| Retained earnings to average equity (ytd only) | -2.5618% | 5,916 |
| Net charge-offs to loans | 1.2951% | 255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4677% | 3,473 |
| Efficiency ratio | 109.3248% | 283 |
| Assets per employee ($millions) | 4.0222% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2880% | 1,045 |
| Loan loss allowance to noncurrent loans | 56.3492% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.4945% | 1,280 |
| Noncurrent loans to loans | 4.0604% | 659 |
| Net loans and leases to total assets | 50.2569% | 4,885 |
| Net loans and leases to deposits | 55.3248% | 5,173 |
| Net loans and leases to core deposits | 56.1201% | 5,344 |
| Total domestic deposits to total assets | 90.8398% | 628 |
| Equity capital to assets | 9.0359% | 5,079 |
| Core capital (leverage) ratio | 8.4494% | 5,701 |
| Tier 1 risk-based capital ratio | 14.8865% | 3,768 |
| Total risk-based capital ratio | 16.1491% | 3,720 |
| Memoranda: |
| Average total assets | $34,231,000 | 6,369 |
| Average earning assets | $31,505,500 | 6,353 |
| Average equity | $3,279,000 | 6,393 |
| Average total loans | $19,148,500 | 6,168 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1961% | 3,360 |
| Cost of funding earning assets | 0.2308% | 6,088 |
| Net interest margin | 3.9653% | 2,047 |
| Noninterest income to average assets | 0.1575% | 6,146 |
| Noninterest expense to average assets | 3.8802% | 1,017 |
| Loan and lease loss provision to assets | 0.0030% | 5,052 |
| Net operating income to assets | 0.0030% | 6,208 |
| Return on assets (ROA) | 0.0030% | 6,247 |
| Pretax return on assets | -0.0505% | 6,262 |
| Return on Equity (ROE) | 0.0305% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.0305% | 5,837 |
| Net charge-offs to loans | 0.3230% | 2,068 |
| Credit loss provision to net charge-offs | 1.5625% | 4,691 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 5,158 |
| Efficiency ratio | 101.2403% | 444 |
| Assets per employee ($millions) | 3.5847% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4799% | 843 |
| Loan loss allowance to noncurrent loans | 62.4840% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.5169% | 1,359 |
| Noncurrent loans to loans | 3.9689% | 735 |
| Net loans and leases to total assets | 59.4817% | 3,799 |
| Net loans and leases to deposits | 66.3417% | 4,258 |
| Net loans and leases to core deposits | 67.4232% | 4,571 |
| Total domestic deposits to total assets | 89.6597% | 1,242 |
| Equity capital to assets | 10.1885% | 3,521 |
| Core capital (leverage) ratio | 8.8081% | 5,265 |
| Tier 1 risk-based capital ratio | 14.4318% | 3,996 |
| Total risk-based capital ratio | 15.6962% | 3,928 |
| Memoranda: |
| Average total assets | $33,657,800 | 6,440 |
| Average earning assets | $31,195,400 | 6,416 |
| Average equity | $3,283,200 | 6,474 |
| Average total loans | $19,816,200 | 6,210 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1678% | 3,498 |
| Cost of funding earning assets | 0.2374% | 6,174 |
| Net interest margin | 3.9304% | 2,172 |
| Noninterest income to average assets | 0.0784% | 6,545 |
| Noninterest expense to average assets | 3.6698% | 1,289 |
| Loan and lease loss provision to assets | 0.0039% | 4,880 |
| Net operating income to assets | 0.0588% | 6,204 |
| Return on assets (ROA) | 0.0588% | 6,261 |
| Pretax return on assets | 0.0392% | 6,274 |
| Return on Equity (ROE) | 0.6093% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.6093% | 5,725 |
| Net charge-offs to loans | 0.4299% | 1,490 |
| Credit loss provision to net charge-offs | 1.5625% | 4,324 |
| Earnings coverage of net charge-offs (x) | 0.1719% | 4,805 |
| Efficiency ratio | 98.8384% | 504 |
| Assets per employee ($millions) | 3.2693% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4265% | 1,019 |
| Loan loss allowance to noncurrent loans | 57.3443% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.6030% | 1,460 |
| Noncurrent loans to loans | 4.2315% | 811 |
| Net loans and leases to total assets | 60.0220% | 3,689 |
| Net loans and leases to deposits | 69.2243% | 3,903 |
| Net loans and leases to core deposits | 70.3787% | 4,281 |
| Total domestic deposits to total assets | 86.7066% | 2,849 |
| Equity capital to assets | 10.0878% | 3,782 |
| Core capital (leverage) ratio | 9.2344% | 4,783 |
| Tier 1 risk-based capital ratio | 14.1046% | 4,352 |
| Total risk-based capital ratio | 15.3677% | 4,291 |
| Memoranda: |
| Average total assets | $34,006,750 | 6,506 |
| Average earning assets | $31,446,250 | 6,480 |
| Average equity | $3,282,250 | 6,551 |
| Average total loans | $19,850,750 | 6,277 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0793% | 3,821 |
| Cost of funding earning assets | 0.2581% | 6,119 |
| Net interest margin | 3.8212% | 2,471 |
| Noninterest income to average assets | 0.1335% | 6,387 |
| Noninterest expense to average assets | 3.9484% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2148% | 6,497 |
| Return on assets (ROA) | -0.2148% | 6,530 |
| Pretax return on assets | -0.2903% | 6,551 |
| Return on Equity (ROE) | -2.2582% | 6,537 |
| Retained earnings to average equity (ytd only) | -2.2582% | 6,220 |
| Net charge-offs to loans | 0.3036% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 4,752 |
| Efficiency ratio | 107.9365% | 309 |
| Assets per employee ($millions) | 3.3266% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5977% | 884 |
| Loan loss allowance to noncurrent loans | 52.8398% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 3.7426% | 983 |
| Noncurrent loans to loans | 4.9162% | 671 |
| Net loans and leases to total assets | 58.7236% | 3,866 |
| Net loans and leases to deposits | 65.1232% | 4,364 |
| Net loans and leases to core deposits | 66.1463% | 4,672 |
| Total domestic deposits to total assets | 90.1731% | 935 |
| Equity capital to assets | 9.6796% | 4,341 |
| Core capital (leverage) ratio | 8.4049% | 5,767 |
| Tier 1 risk-based capital ratio | 13.5673% | 4,730 |
| Total risk-based capital ratio | 14.8305% | 4,683 |
| Memoranda: |
| Average total assets | $34,444,670 | 6,539 |
| Average earning assets | $31,770,330 | 6,521 |
| Average equity | $3,277,000 | 6,606 |
| Average total loans | $19,764,000 | 6,317 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9459% | 4,307 |
| Cost of funding earning assets | 0.2854% | 6,071 |
| Net interest margin | 3.6605% | 3,035 |
| Noninterest income to average assets | 0.0571% | 6,708 |
| Noninterest expense to average assets | 3.8477% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2398% | 6,537 |
| Return on assets (ROA) | -0.2398% | 6,572 |
| Pretax return on assets | -0.4224% | 6,647 |
| Return on Equity (ROE) | -2.5412% | 6,586 |
| Retained earnings to average equity (ytd only) | -2.5412% | 6,143 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3333% | 298 |
| Assets per employee ($millions) | 3.2394% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7994% | 820 |
| Loan loss allowance to noncurrent loans | 55.2658% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 3.7269% | 1,112 |
| Noncurrent loans to loans | 5.0653% | 744 |
| Net loans and leases to total assets | 53.6918% | 4,465 |
| Net loans and leases to deposits | 59.1992% | 4,886 |
| Net loans and leases to core deposits | 60.0615% | 5,146 |
| Total domestic deposits to total assets | 90.6968% | 672 |
| Equity capital to assets | 9.2386% | 5,213 |
| Core capital (leverage) ratio | 8.3108% | 5,814 |
| Tier 1 risk-based capital ratio | 13.4525% | 4,910 |
| Total risk-based capital ratio | 14.7194% | 4,856 |
| Memoranda: |
| Average total assets | $35,034,000 | 6,593 |
| Average earning assets | $32,236,000 | 6,576 |
| Average equity | $3,305,500 | 6,661 |
| Average total loans | $19,618,000 | 6,379 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2086% | 4,557 |
| Cost of funding earning assets | 0.4130% | 5,828 |
| Net interest margin | 3.7956% | 3,245 |
| Noninterest income to average assets | -0.2762% | 6,985 |
| Noninterest expense to average assets | 4.2719% | 704 |
| Loan and lease loss provision to assets | 0.2877% | 2,364 |
| Net operating income to assets | -0.9090% | 6,714 |
| Return on assets (ROA) | -0.9090% | 6,732 |
| Pretax return on assets | -1.3463% | 6,815 |
| Return on Equity (ROE) | -9.0841% | 6,703 |
| Retained earnings to average equity (ytd only) | -9.0841% | 6,607 |
| Net charge-offs to loans | 0.5776% | 1,996 |
| Credit loss provision to net charge-offs | 87.7193% | 3,559 |
| Earnings coverage of net charge-offs (x) | -3.2281% | 5,878 |
| Efficiency ratio | 132.9454% | 145 |
| Assets per employee ($millions) | 3.1305% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8180% | 805 |
| Loan loss allowance to noncurrent loans | 59.4391% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 4.0163% | 1,063 |
| Noncurrent loans to loans | 4.7410% | 870 |
| Net loans and leases to total assets | 55.1822% | 4,425 |
| Net loans and leases to deposits | 61.0977% | 4,899 |
| Net loans and leases to core deposits | 62.0190% | 5,156 |
| Total domestic deposits to total assets | 90.3180% | 791 |
| Equity capital to assets | 9.6384% | 4,678 |
| Core capital (leverage) ratio | 8.6791% | 5,359 |
| Tier 1 risk-based capital ratio | 13.9373% | 4,416 |
| Total risk-based capital ratio | 15.2039% | 4,381 |
| Memoranda: |
| Average total assets | $34,762,400 | 6,640 |
| Average earning assets | $31,958,200 | 6,607 |
| Average equity | $3,478,600 | 6,693 |
| Average total loans | $19,738,400 | 6,442 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2288% | 4,714 |
| Cost of funding earning assets | 0.4449% | 5,830 |
| Net interest margin | 3.7839% | 3,408 |
| Noninterest income to average assets | -0.2411% | 7,082 |
| Noninterest expense to average assets | 4.1402% | 785 |
| Loan and lease loss provision to assets | 0.3865% | 1,668 |
| Net operating income to assets | -0.8150% | 6,814 |
| Return on assets (ROA) | -0.8150% | 6,838 |
| Pretax return on assets | -1.2857% | 6,922 |
| Return on Equity (ROE) | -8.0713% | 6,816 |
| Retained earnings to average equity (ytd only) | -8.0713% | 6,754 |
| Net charge-offs to loans | 0.7952% | 1,387 |
| Credit loss provision to net charge-offs | 85.5932% | 3,439 |
| Earnings coverage of net charge-offs (x) | -1.9915% | 5,649 |
| Efficiency ratio | 127.7450% | 162 |
| Assets per employee ($millions) | 3.0855% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8242% | 865 |
| Loan loss allowance to noncurrent loans | 52.8958% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 4.0423% | 1,191 |
| Noncurrent loans to loans | 5.3391% | 819 |
| Net loans and leases to total assets | 55.5552% | 4,515 |
| Net loans and leases to deposits | 61.8351% | 4,989 |
| Net loans and leases to core deposits | 62.7864% | 5,281 |
| Total domestic deposits to total assets | 89.8441% | 932 |
| Equity capital to assets | 10.1087% | 4,341 |
| Core capital (leverage) ratio | 9.2406% | 4,690 |
| Tier 1 risk-based capital ratio | 14.5864% | 4,128 |
| Total risk-based capital ratio | 15.8529% | 4,087 |
| Memoranda: |
| Average total assets | $34,844,250 | 6,724 |
| Average earning assets | $32,064,750 | 6,688 |
| Average equity | $3,518,500 | 6,768 |
| Average total loans | $19,784,750 | 6,522 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1254% | 5,217 |
| Cost of funding earning assets | 0.4680% | 5,842 |
| Net interest margin | 3.6575% | 4,000 |
| Noninterest income to average assets | -0.3813% | 7,175 |
| Noninterest expense to average assets | 4.2282% | 707 |
| Loan and lease loss provision to assets | 0.5691% | 1,071 |
| Net operating income to assets | -1.1552% | 6,944 |
| Return on assets (ROA) | -1.1552% | 6,964 |
| Pretax return on assets | -1.7982% | 7,050 |
| Return on Equity (ROE) | -11.4441% | 6,931 |
| Retained earnings to average equity (ytd only) | -11.4441% | 6,873 |
| Net charge-offs to loans | 1.1852% | 915 |
| Credit loss provision to net charge-offs | 84.7458% | 3,193 |
| Earnings coverage of net charge-offs (x) | -1.8305% | 5,372 |
| Efficiency ratio | 140.9867% | 118 |
| Assets per employee ($millions) | 3.0923% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8093% | 933 |
| Loan loss allowance to noncurrent loans | 48.2363% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 4.1805% | 1,199 |
| Noncurrent loans to loans | 5.8240% | 778 |
| Net loans and leases to total assets | 55.6343% | 4,527 |
| Net loans and leases to deposits | 61.9444% | 5,001 |
| Net loans and leases to core deposits | 62.8913% | 5,311 |
| Total domestic deposits to total assets | 89.8133% | 1,037 |
| Equity capital to assets | 10.1044% | 4,184 |
| Core capital (leverage) ratio | 8.7483% | 5,300 |
| Tier 1 risk-based capital ratio | 14.4393% | 4,146 |
| Total risk-based capital ratio | 15.6909% | 4,110 |
| Memoranda: |
| Average total assets | $35,145,330 | 6,763 |
| Average earning assets | $32,481,330 | 6,723 |
| Average equity | $3,547,670 | 6,795 |
| Average total loans | $19,911,670 | 6,568 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2978% | 4,742 |
| Cost of funding earning assets | 0.4802% | 5,941 |
| Net interest margin | 3.8176% | 3,303 |
| Noninterest income to average assets | -0.5265% | 7,256 |
| Noninterest expense to average assets | 4.3797% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.8513% | 6,968 |
| Return on assets (ROA) | -0.8513% | 6,983 |
| Pretax return on assets | -1.3441% | 7,054 |
| Return on Equity (ROE) | -8.4374% | 6,960 |
| Retained earnings to average equity (ytd only) | -8.4374% | 6,783 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.2804% | 119 |
| Assets per employee ($millions) | 3.3222% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8484% | 960 |
| Loan loss allowance to noncurrent loans | 53.5545% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 3.8857% | 1,436 |
| Noncurrent loans to loans | 5.3186% | 1,024 |
| Net loans and leases to total assets | 52.7337% | 4,917 |
| Net loans and leases to deposits | 58.4785% | 5,327 |
| Net loans and leases to core deposits | 59.3063% | 5,595 |
| Total domestic deposits to total assets | 90.1762% | 991 |
| Equity capital to assets | 9.7554% | 4,449 |
| Core capital (leverage) ratio | 9.9430% | 3,437 |
| Tier 1 risk-based capital ratio | 15.8626% | 3,240 |
| Total risk-based capital ratio | 17.1270% | 3,207 |
| Memoranda: |
| Average total assets | $35,710,500 | 6,805 |
| Average earning assets | $33,319,500 | 6,760 |
| Average equity | $3,603,000 | 6,819 |
| Average total loans | $20,132,000 | 6,604 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6733% | 4,359 |
| Cost of funding earning assets | 0.6358% | 5,895 |
| Net interest margin | 4.0375% | 2,693 |
| Noninterest income to average assets | 0.1865% | 6,162 |
| Noninterest expense to average assets | 4.0244% | 1,005 |
| Loan and lease loss provision to assets | 1.6873% | 405 |
| Net operating income to assets | -1.1248% | 6,795 |
| Return on assets (ROA) | -1.1248% | 6,819 |
| Pretax return on assets | -1.7689% | 6,968 |
| Return on Equity (ROE) | -9.9788% | 6,741 |
| Retained earnings to average equity (ytd only) | -11.9177% | 6,765 |
| Net charge-offs to loans | 2.0116% | 683 |
| Credit loss provision to net charge-offs | 135.9155% | 2,204 |
| Earnings coverage of net charge-offs (x) | -0.0657% | 5,873 |
| Efficiency ratio | 102.0695% | 621 |
| Assets per employee ($millions) | 3.1706% | 5,772 |
| Cash dividends to net income (ytd only)* | -19.4301% | 7,295 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7658% | 1,017 |
| Loan loss allowance to noncurrent loans | 51.1312% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.9912% | 1,438 |
| Noncurrent loans to loans | 5.4092% | 989 |
| Net loans and leases to total assets | 56.9516% | 4,554 |
| Net loans and leases to deposits | 63.6594% | 5,052 |
| Net loans and leases to core deposits | 64.6056% | 5,404 |
| Total domestic deposits to total assets | 89.4630% | 1,290 |
| Equity capital to assets | 10.4395% | 3,596 |
| Core capital (leverage) ratio | 10.1686% | 3,139 |
| Tier 1 risk-based capital ratio | 16.0187% | 3,039 |
| Total risk-based capital ratio | 17.3069% | 2,973 |
| Memoranda: |
| Average total assets | $34,316,000 | 6,850 |
| Average earning assets | $31,926,000 | 6,811 |
| Average equity | $3,868,200 | 6,786 |
| Average total loans | $21,177,400 | 6,599 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7130% | 4,395 |
| Cost of funding earning assets | 0.6655% | 5,960 |
| Net interest margin | 4.0475% | 2,700 |
| Noninterest income to average assets | 0.3043% | 5,427 |
| Noninterest expense to average assets | 3.8116% | 1,290 |
| Loan and lease loss provision to assets | 2.0716% | 252 |
| Net operating income to assets | -1.2484% | 6,975 |
| Return on assets (ROA) | -1.2484% | 6,994 |
| Pretax return on assets | -1.8063% | 7,083 |
| Return on Equity (ROE) | -10.8703% | 6,917 |
| Retained earnings to average equity (ytd only) | -12.5687% | 6,933 |
| Net charge-offs to loans | 2.3403% | 496 |
| Credit loss provision to net charge-offs | 141.6000% | 2,248 |
| Earnings coverage of net charge-offs (x) | 0.1813% | 5,462 |
| Efficiency ratio | 93.4928% | 945 |
| Assets per employee ($millions) | 3.0154% | 6,079 |
| Cash dividends to net income (ytd only)* | -15.6260% | 7,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7392% | 1,086 |
| Loan loss allowance to noncurrent loans | 46.6721% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 4.8389% | 1,203 |
| Noncurrent loans to loans | 5.8690% | 964 |
| Net loans and leases to total assets | 60.8038% | 3,983 |
| Net loans and leases to deposits | 68.6220% | 4,500 |
| Net loans and leases to core deposits | 69.7059% | 4,989 |
| Total domestic deposits to total assets | 88.6068% | 1,693 |
| Equity capital to assets | 11.2726% | 2,892 |
| Core capital (leverage) ratio | 11.2388% | 2,200 |
| Tier 1 risk-based capital ratio | 17.2605% | 2,545 |
| Total risk-based capital ratio | 18.5366% | 2,493 |
| Memoranda: |
| Average total assets | $34,175,750 | 6,917 |
| Average earning assets | $31,854,500 | 6,875 |
| Average equity | $3,925,000 | 6,825 |
| Average total loans | $21,364,750 | 6,655 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7037% | 4,517 |
| Cost of funding earning assets | 0.7046% | 5,934 |
| Net interest margin | 3.9991% | 2,843 |
| Noninterest income to average assets | 0.3014% | 5,478 |
| Noninterest expense to average assets | 3.5988% | 1,747 |
| Loan and lease loss provision to assets | 3.0773% | 145 |
| Net operating income to assets | -1.3155% | 7,040 |
| Return on assets (ROA) | -1.3155% | 7,048 |
| Pretax return on assets | -2.6252% | 7,269 |
| Return on Equity (ROE) | -11.3870% | 6,979 |
| Retained earnings to average equity (ytd only) | -13.8952% | 7,000 |
| Net charge-offs to loans | 3.4764% | 259 |
| Credit loss provision to net charge-offs | 141.6000% | 2,151 |
| Earnings coverage of net charge-offs (x) | 0.2080% | 5,156 |
| Efficiency ratio | 88.8412% | 1,338 |
| Assets per employee ($millions) | 3.1181% | 5,838 |
| Cash dividends to net income (ytd only)* | -22.0264% | 7,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6545% | 1,234 |
| Loan loss allowance to noncurrent loans | 61.1410% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 3.8398% | 1,685 |
| Noncurrent loans to loans | 4.3415% | 1,555 |
| Net loans and leases to total assets | 60.7306% | 4,139 |
| Net loans and leases to deposits | 68.4612% | 4,639 |
| Net loans and leases to core deposits | 69.4982% | 5,123 |
| Total domestic deposits to total assets | 88.7081% | 1,714 |
| Equity capital to assets | 11.1490% | 2,813 |
| Core capital (leverage) ratio | 10.9091% | 2,332 |
| Tier 1 risk-based capital ratio | 16.7269% | 2,638 |
| Total risk-based capital ratio | 17.9996% | 2,586 |
| Memoranda: |
| Average total assets | $34,511,330 | 6,973 |
| Average earning assets | $32,357,330 | 6,922 |
| Average equity | $3,987,000 | 6,848 |
| Average total loans | $21,574,330 | 6,715 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7488% | 4,297 |
| Cost of funding earning assets | 0.7811% | 5,664 |
| Net interest margin | 3.9677% | 2,838 |
| Noninterest income to average assets | 0.3120% | 5,435 |
| Noninterest expense to average assets | 3.5820% | 1,810 |
| Loan and lease loss provision to assets | 1.0977% | 665 |
| Net operating income to assets | -0.4969% | 6,803 |
| Return on assets (ROA) | -0.4969% | 6,808 |
| Pretax return on assets | -0.6702% | 6,858 |
| Return on Equity (ROE) | -4.2276% | 6,760 |
| Retained earnings to average equity (ytd only) | -4.2276% | 6,446 |
| Net charge-offs to loans | 2.0312% | 627 |
| Credit loss provision to net charge-offs | 86.3636% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.3364% | 4,361 |
| Efficiency ratio | 89.3372% | 1,390 |
| Assets per employee ($millions) | 3.1203% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8756% | 2,775 |
| Loan loss allowance to noncurrent loans | 34.4319% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 4.3207% | 1,517 |
| Noncurrent loans to loans | 5.4474% | 1,204 |
| Net loans and leases to total assets | 60.5104% | 4,174 |
| Net loans and leases to deposits | 68.7033% | 4,574 |
| Net loans and leases to core deposits | 69.7508% | 5,074 |
| Total domestic deposits to total assets | 88.0751% | 2,336 |
| Equity capital to assets | 11.7909% | 2,051 |
| Core capital (leverage) ratio | 11.2836% | 1,967 |
| Tier 1 risk-based capital ratio | 18.2778% | 2,029 |
| Total risk-based capital ratio | 19.5423% | 1,978 |
| Memoranda: |
| Average total assets | $34,617,500 | 7,024 |
| Average earning assets | $32,260,500 | 6,979 |
| Average equity | $4,068,500 | 6,860 |
| Average total loans | $21,662,500 | 6,763 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9391% | 4,838 |
| Cost of funding earning assets | 0.9614% | 5,882 |
| Net interest margin | 3.9777% | 3,116 |
| Noninterest income to average assets | 0.3067% | 5,601 |
| Noninterest expense to average assets | 4.1871% | 915 |
| Loan and lease loss provision to assets | 0.0745% | 6,404 |
| Net operating income to assets | 0.0179% | 5,783 |
| Return on assets (ROA) | 0.0179% | 5,915 |
| Pretax return on assets | -0.2829% | 6,148 |
| Return on Equity (ROE) | 0.1426% | 5,927 |
| Retained earnings to average equity (ytd only) | -2.2345% | 6,004 |
| Net charge-offs to loans | 0.2228% | 4,952 |
| Credit loss provision to net charge-offs | 51.0204% | 6,243 |
| Earnings coverage of net charge-offs (x) | -1.4286% | 6,667 |
| Efficiency ratio | 105.2395% | 642 |
| Assets per employee ($millions) | 3.1738% | 5,730 |
| Cash dividends to net income (ytd only)* | 1,666.6667% | 11 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8593% | 2,666 |
| Loan loss allowance to noncurrent loans | 29.6190% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 4.6402% | 1,431 |
| Noncurrent loans to loans | 6.2774% | 974 |
| Net loans and leases to total assets | 62.2909% | 4,226 |
| Net loans and leases to deposits | 70.9712% | 4,687 |
| Net loans and leases to core deposits | 72.6474% | 5,145 |
| Total domestic deposits to total assets | 87.7692% | 2,380 |
| Equity capital to assets | 11.7152% | 2,115 |
| Core capital (leverage) ratio | 12.0201% | 1,537 |
| Tier 1 risk-based capital ratio | 18.1818% | 1,944 |
| Total risk-based capital ratio | 19.4397% | 1,907 |
| Memoranda: |
| Average total assets | $33,579,400 | 7,095 |
| Average earning assets | $30,997,800 | 7,052 |
| Average equity | $4,206,800 | 6,916 |
| Average total loans | $21,995,000 | 6,821 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9698% | 4,949 |
| Cost of funding earning assets | 0.9966% | 5,952 |
| Net interest margin | 3.9732% | 3,222 |
| Noninterest income to average assets | 0.3088% | 5,680 |
| Noninterest expense to average assets | 3.8861% | 1,224 |
| Loan and lease loss provision to assets | 0.1003% | 6,021 |
| Net operating income to assets | 0.2446% | 5,372 |
| Return on assets (ROA) | 0.2446% | 5,527 |
| Pretax return on assets | -0.0160% | 6,109 |
| Return on Equity (ROE) | 1.9200% | 5,635 |
| Retained earnings to average equity (ytd only) | 0.3463% | 5,651 |
| Net charge-offs to loans | 0.2672% | 4,349 |
| Credit loss provision to net charge-offs | 56.8182% | 5,766 |
| Earnings coverage of net charge-offs (x) | 0.4772% | 5,546 |
| Efficiency ratio | 97.8788% | 823 |
| Assets per employee ($millions) | 2.9812% | 6,189 |
| Cash dividends to net income (ytd only)* | 81.9747% | 602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8865% | 2,522 |
| Loan loss allowance to noncurrent loans | 27.7630% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 5.2786% | 1,183 |
| Noncurrent loans to loans | 6.7952% | 854 |
| Net loans and leases to total assets | 66.1330% | 3,657 |
| Net loans and leases to deposits | 76.3385% | 4,120 |
| Net loans and leases to core deposits | 78.2868% | 4,772 |
| Total domestic deposits to total assets | 86.6313% | 2,727 |
| Equity capital to assets | 12.8412% | 1,660 |
| Core capital (leverage) ratio | 12.8087% | 1,294 |
| Tier 1 risk-based capital ratio | 18.8223% | 1,789 |
| Total risk-based capital ratio | 20.0783% | 1,754 |
| Memoranda: |
| Average total assets | $33,246,250 | 7,197 |
| Average earning assets | $30,637,750 | 7,147 |
| Average equity | $4,236,000 | 6,997 |
| Average total loans | $21,954,000 | 6,916 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8439% | 5,627 |
| Cost of funding earning assets | 1.0051% | 6,111 |
| Net interest margin | 3.8388% | 3,719 |
| Noninterest income to average assets | 0.2934% | 5,801 |
| Noninterest expense to average assets | 3.7608% | 1,435 |
| Loan and lease loss provision to assets | 0.1497% | 5,402 |
| Net operating income to assets | 0.3294% | 5,068 |
| Return on assets (ROA) | 0.3294% | 5,230 |
| Pretax return on assets | -0.0719% | 6,219 |
| Return on Equity (ROE) | 2.5917% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.5917% | 4,493 |
| Net charge-offs to loans | 0.2191% | 4,288 |
| Credit loss provision to net charge-offs | 104.1667% | 3,912 |
| Earnings coverage of net charge-offs (x) | 0.5417% | 5,193 |
| Efficiency ratio | 97.9719% | 886 |
| Assets per employee ($millions) | 3.0122% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9926% | 2,205 |
| Loan loss allowance to noncurrent loans | 31.9678% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 4.8772% | 1,330 |
| Noncurrent loans to loans | 6.2332% | 998 |
| Net loans and leases to total assets | 64.8699% | 4,070 |
| Net loans and leases to deposits | 74.9416% | 4,522 |
| Net loans and leases to core deposits | 76.8109% | 5,105 |
| Total domestic deposits to total assets | 86.5606% | 2,786 |
| Equity capital to assets | 12.8418% | 1,635 |
| Core capital (leverage) ratio | 12.4360% | 1,427 |
| Tier 1 risk-based capital ratio | 17.8813% | 1,987 |
| Total risk-based capital ratio | 17.8813% | 2,377 |
| Memoranda: |
| Average total assets | $33,397,330 | 7,237 |
| Average earning assets | $30,843,000 | 7,194 |
| Average equity | $4,244,330 | 7,032 |
| Average total loans | $21,904,000 | 6,967 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0122% | 4,961 |
| Cost of funding earning assets | 1.0155% | 6,298 |
| Net interest margin | 3.9967% | 2,884 |
| Noninterest income to average assets | 0.2744% | 5,957 |
| Noninterest expense to average assets | 3.8415% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7039% | 3,427 |
| Return on assets (ROA) | 0.7039% | 3,536 |
| Pretax return on assets | 0.0954% | 6,153 |
| Return on Equity (ROE) | 5.5674% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.5674% | 2,833 |
| Net charge-offs to loans | 0.3472% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.4211% | 4,654 |
| Efficiency ratio | 97.5758% | 940 |
| Assets per employee ($millions) | 3.0894% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9048% | 2,425 |
| Loan loss allowance to noncurrent loans | 44.7312% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 2.7367% | 2,657 |
| Noncurrent loans to loans | 4.2582% | 1,794 |
| Net loans and leases to total assets | 63.0433% | 4,524 |
| Net loans and leases to deposits | 72.5254% | 4,982 |
| Net loans and leases to core deposits | 75.5910% | 5,309 |
| Total domestic deposits to total assets | 86.9258% | 2,668 |
| Equity capital to assets | 12.5386% | 1,734 |
| Core capital (leverage) ratio | 12.0258% | 1,641 |
| Tier 1 risk-based capital ratio | 20.1813% | 1,487 |
| Total risk-based capital ratio | 21.4364% | 1,455 |
| Memoranda: |
| Average total assets | $33,529,000 | 7,328 |
| Average earning assets | $30,725,000 | 7,289 |
| Average equity | $4,239,000 | 7,103 |
| Average total loans | $21,890,500 | 7,051 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5878% | 3,668 |
| Cost of funding earning assets | 1.1217% | 6,906 |
| Net interest margin | 4.4660% | 1,251 |
| Noninterest income to average assets | 0.1562% | 6,952 |
| Noninterest expense to average assets | 4.4465% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.0191% | 5,527 |
| Return on assets (ROA) | -0.0191% | 5,569 |
| Pretax return on assets | -0.1785% | 5,676 |
| Return on Equity (ROE) | -0.1394% | 5,560 |
| Retained earnings to average equity (ytd only) | -2.4627% | 5,607 |
| Net charge-offs to loans | 0.0574% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -4.6667% | 7,100 |
| Efficiency ratio | 104.1822% | 950 |
| Assets per employee ($millions) | 3.0068% | 6,209 |
| Cash dividends to net income (ytd only)* | -1,666.6667% | 8,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9871% | 2,065 |
| Loan loss allowance to noncurrent loans | 272.5000% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 6,241 |
| Noncurrent loans to loans | 0.7292% | 5,795 |
| Net loans and leases to total assets | 65.0189% | 4,370 |
| Net loans and leases to deposits | 75.0585% | 4,866 |
| Net loans and leases to core deposits | 85.0908% | 5,609 |
| Total domestic deposits to total assets | 86.6243% | 2,694 |
| Equity capital to assets | 12.7498% | 1,617 |
| Core capital (leverage) ratio | 12.8111% | 1,306 |
| Tier 1 risk-based capital ratio | 19.5958% | 1,547 |
| Total risk-based capital ratio | 20.8555% | 1,501 |
| Memoranda: |
| Average total assets | $31,372,800 | 7,428 |
| Average earning assets | $28,884,600 | 7,396 |
| Average equity | $4,304,200 | 7,172 |
| Average total loans | $20,910,800 | 7,145 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5675% | 4,054 |
| Cost of funding earning assets | 1.1182% | 7,139 |
| Net interest margin | 4.4493% | 1,317 |
| Noninterest income to average assets | 0.1120% | 7,334 |
| Noninterest expense to average assets | 3.9852% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2585% | 4,959 |
| Return on assets (ROA) | 0.2585% | 5,047 |
| Pretax return on assets | 0.2585% | 5,171 |
| Return on Equity (ROE) | 1.8493% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.3081% | 5,069 |
| Net charge-offs to loans | -0.1420% | 7,948 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9086% | 1,405 |
| Assets per employee ($millions) | 2.8319% | 6,581 |
| Cash dividends to net income (ytd only)* | 83.3375% | 871 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1333% | 1,537 |
| Loan loss allowance to noncurrent loans | 235.0000% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,846 |
| Noncurrent loans to loans | 0.9078% | 5,471 |
| Net loans and leases to total assets | 69.2177% | 3,671 |
| Net loans and leases to deposits | 81.1761% | 4,171 |
| Net loans and leases to core deposits | 95.0454% | 4,924 |
| Total domestic deposits to total assets | 85.2685% | 3,089 |
| Equity capital to assets | 13.9418% | 1,324 |
| Core capital (leverage) ratio | 14.0202% | 1,083 |
| Tier 1 risk-based capital ratio | 20.2610% | 1,504 |
| Total risk-based capital ratio | 21.5235% | 1,459 |
| Memoranda: |
| Average total assets | $30,947,250 | 7,506 |
| Average earning assets | $28,737,500 | 7,473 |
| Average equity | $4,326,000 | 7,242 |
| Average total loans | $20,653,250 | 7,221 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4716% | 4,774 |
| Cost of funding earning assets | 1.1575% | 7,224 |
| Net interest margin | 4.3142% | 1,617 |
| Noninterest income to average assets | 0.0583% | 7,698 |
| Noninterest expense to average assets | 3.9962% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0453% | 5,717 |
| Return on assets (ROA) | 0.0453% | 5,809 |
| Pretax return on assets | 0.0453% | 5,787 |
| Return on Equity (ROE) | 0.3240% | 5,833 |
| Retained earnings to average equity (ytd only) | -1.9906% | 5,740 |
| Net charge-offs to loans | -0.2575% | 8,054 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8782% | 1,233 |
| Assets per employee ($millions) | 2.7391% | 6,759 |
| Cash dividends to net income (ytd only)* | 714.2857% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2313% | 1,188 |
| Loan loss allowance to noncurrent loans | 3,950.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 7,507 |
| Noncurrent loans to loans | 0.0565% | 7,392 |
| Net loans and leases to total assets | 68.9313% | 3,965 |
| Net loans and leases to deposits | 81.1765% | 4,363 |
| Net loans and leases to core deposits | 89.5061% | 5,573 |
| Total domestic deposits to total assets | 84.9154% | 3,305 |
| Equity capital to assets | 14.2449% | 1,236 |
| Core capital (leverage) ratio | 13.7121% | 1,207 |
| Tier 1 risk-based capital ratio | 20.9197% | 1,413 |
| Total risk-based capital ratio | 22.1854% | 1,380 |
| Memoranda: |
| Average total assets | $30,879,330 | 7,572 |
| Average earning assets | $28,510,670 | 7,548 |
| Average equity | $4,320,330 | 7,303 |
| Average total loans | $20,193,670 | 7,313 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4543% | 5,158 |
| Cost of funding earning assets | 1.2167% | 7,262 |
| Net interest margin | 4.2375% | 1,783 |
| Noninterest income to average assets | 0.1536% | 7,205 |
| Noninterest expense to average assets | 4.1851% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1536% | 6,482 |
| Return on assets (ROA) | -0.1536% | 6,587 |
| Pretax return on assets | -0.1536% | 6,519 |
| Return on Equity (ROE) | -1.1074% | 6,557 |
| Retained earnings to average equity (ytd only) | -1.1074% | 5,917 |
| Net charge-offs to loans | -0.5288% | 8,111 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8095% | 991 |
| Assets per employee ($millions) | 2.8355% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4504% | 803 |
| Loan loss allowance to noncurrent loans | 238.1910% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 5,321 |
| Noncurrent loans to loans | 1.0287% | 4,932 |
| Net loans and leases to total assets | 60.5002% | 5,575 |
| Net loans and leases to deposits | 70.9292% | 5,879 |
| Net loans and leases to core deposits | 79.5364% | 6,417 |
| Total domestic deposits to total assets | 85.2966% | 3,063 |
| Equity capital to assets | 13.8762% | 1,399 |
| Core capital (leverage) ratio | 13.6500% | 1,280 |
| Tier 1 risk-based capital ratio | 22.3363% | 1,262 |
| Total risk-based capital ratio | 23.6040% | 1,228 |
| Memoranda: |
| Average total assets | $31,254,000 | 7,595 |
| Average earning assets | $28,601,500 | 7,587 |
| Average equity | $4,334,500 | 7,342 |
| Average total loans | $19,669,000 | 7,392 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3197% | 3,856 |
| Cost of funding earning assets | 1.7096% | 7,238 |
| Net interest margin | 4.6101% | 1,149 |
| Noninterest income to average assets | 0.0440% | 7,920 |
| Noninterest expense to average assets | 4.0323% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1853% | 5,889 |
| Return on assets (ROA) | 0.1853% | 5,717 |
| Pretax return on assets | 0.2544% | 5,620 |
| Return on Equity (ROE) | 1.3448% | 5,818 |
| Retained earnings to average equity (ytd only) | -0.9345% | 5,576 |
| Net charge-offs to loans | 0.1412% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 4,586 |
| Efficiency ratio | 94.0659% | 1,272 |
| Assets per employee ($millions) | 2.8471% | 6,456 |
| Cash dividends to net income (ytd only)* | 169.4915% | 401 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2457% | 907 |
| Loan loss allowance to noncurrent loans | 2,245.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 6,918 |
| Noncurrent loans to loans | 0.1000% | 7,115 |
| Net loans and leases to total assets | 62.4082% | 5,556 |
| Net loans and leases to deposits | 73.0327% | 5,946 |
| Net loans and leases to core deposits | 80.3693% | 6,588 |
| Total domestic deposits to total assets | 85.4525% | 2,645 |
| Equity capital to assets | 13.8610% | 1,472 |
| Core capital (leverage) ratio | 13.4858% | 1,391 |
| Tier 1 risk-based capital ratio | 22.4233% | 1,259 |
| Total risk-based capital ratio | 23.6874% | 1,230 |
| Memoranda: |
| Average total assets | $31,843,200 | 7,571 |
| Average earning assets | $29,305,400 | 7,551 |
| Average equity | $4,387,400 | 7,363 |
| Average total loans | $19,117,200 | 7,394 |
