Home > The American Bank > Performance and Condition Ratios
The American Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9092% | 4,638 |
| Cost of funding earning assets | 0.0624% | 4,514 |
| Net interest margin | 1.8469% | 4,602 |
| Noninterest income to average assets | 0.3748% | 2,845 |
| Noninterest expense to average assets | 2.0898% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0341% | 4,562 |
| Return on assets (ROA) | -0.0341% | 4,541 |
| Pretax return on assets | -0.0341% | 4,538 |
| Return on Equity (ROE) | -0.3276% | 4,546 |
| Retained earnings to average equity (ytd only) | -0.3276% | 4,060 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5801% | 339 |
| Assets per employee ($millions) | 4.3924% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.6933% | 3,838 |
| Net loans and leases to deposits | 47.5439% | 3,901 |
| Net loans and leases to core deposits | 49.2289% | 3,909 |
| Total domestic deposits to total assets | 89.7977% | 1,672 |
| Equity capital to assets | 9.8836% | 1,983 |
| Core capital (leverage) ratio | 8.6111% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,218,000 | 4,673 |
| Average earning assets | $32,054,500 | 4,667 |
| Average equity | $3,663,500 | 4,676 |
| Average total loans | $9,140,000 | 4,699 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1647% | 4,827 |
| Cost of funding earning assets | 0.0059% | 4,809 |
| Net interest margin | 0.1589% | 4,824 |
| Noninterest income to average assets | 0.0528% | 4,720 |
| Noninterest expense to average assets | 0.3169% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1140% | 4,708 |
| Return on assets (ROA) | -0.1140% | 4,713 |
| Pretax return on assets | -0.1140% | 4,711 |
| Return on Equity (ROE) | -0.6678% | 4,709 |
| Retained earnings to average equity (ytd only) | -60.6268% | 4,836 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.5753% | 40 |
| Assets per employee ($millions) | 4.4121% | 4,185 |
| Cash dividends to net income (ytd only)* | -8,978.0488% | 4,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 9.2869% | 4,782 |
| Net loans and leases to deposits | 10.4352% | 4,787 |
| Net loans and leases to core deposits | 10.8067% | 4,778 |
| Total domestic deposits to total assets | 88.9962% | 1,520 |
| Equity capital to assets | 10.9188% | 1,838 |
| Core capital (leverage) ratio | 8.9125% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,969,800 | 4,697 |
| Average earning assets | $33,992,200 | 4,680 |
| Average equity | $6,139,200 | 4,518 |
| Average total loans | $3,683,600 | 4,802 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7669% | 4,804 |
| Cost of funding earning assets | 0.0623% | 4,727 |
| Net interest margin | 1.7046% | 4,768 |
| Noninterest income to average assets | 0.3726% | 3,243 |
| Noninterest expense to average assets | 2.5752% | 1,910 |
| Loan and lease loss provision to assets | 0.0028% | 2,915 |
| Net operating income to assets | -0.5903% | 4,841 |
| Return on assets (ROA) | 0.7600% | 3,689 |
| Pretax return on assets | 0.7600% | 3,958 |
| Return on Equity (ROE) | 4.0930% | 4,287 |
| Retained earnings to average equity (ytd only) | 4.0930% | 3,549 |
| Net charge-offs to loans | 0.0352% | 1,370 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | -159.0000% | 2,455 |
| Efficiency ratio | 129.4991% | 57 |
| Assets per employee ($millions) | 3.0116% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 1,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 9.6821% | 4,854 |
| Net loans and leases to deposits | 11.9628% | 4,855 |
| Net loans and leases to core deposits | 12.4215% | 4,846 |
| Total domestic deposits to total assets | 80.9347% | 4,106 |
| Equity capital to assets | 19.0431% | 225 |
| Core capital (leverage) ratio | 18.3256% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,138,000 | 4,768 |
| Average earning assets | $34,258,750 | 4,746 |
| Average equity | $6,710,500 | 4,521 |
| Average total loans | $3,785,000 | 4,874 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9804% | 4,812 |
| Cost of funding earning assets | 0.0699% | 4,747 |
| Net interest margin | 1.9105% | 4,748 |
| Noninterest income to average assets | 0.4040% | 3,096 |
| Noninterest expense to average assets | 2.5071% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2878% | 4,840 |
| Return on assets (ROA) | -0.2878% | 4,844 |
| Pretax return on assets | -0.2878% | 4,844 |
| Return on Equity (ROE) | -1.5631% | 4,832 |
| Retained earnings to average equity (ytd only) | -1.5631% | 4,644 |
| Net charge-offs to loans | 0.0518% | 1,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -52.0000% | 2,236 |
| Efficiency ratio | 112.9676% | 94 |
| Assets per employee ($millions) | 3.6999% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 1,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 9.6327% | 4,894 |
| Net loans and leases to deposits | 11.7349% | 4,893 |
| Net loans and leases to core deposits | 12.1676% | 4,886 |
| Total domestic deposits to total assets | 82.0860% | 3,906 |
| Equity capital to assets | 17.9032% | 274 |
| Core capital (leverage) ratio | 17.5303% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,137,667 | 4,798 |
| Average earning assets | $34,337,000 | 4,775 |
| Average equity | $6,653,333 | 4,554 |
| Average total loans | $3,859,667 | 4,914 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0698% | 4,819 |
| Cost of funding earning assets | 0.0828% | 4,733 |
| Net interest margin | 1.9870% | 4,740 |
| Noninterest income to average assets | 0.2801% | 3,723 |
| Noninterest expense to average assets | 2.3413% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1792% | 4,831 |
| Return on assets (ROA) | -0.1792% | 4,835 |
| Pretax return on assets | -0.1792% | 4,830 |
| Return on Equity (ROE) | -0.9598% | 4,824 |
| Retained earnings to average equity (ytd only) | -0.9598% | 4,460 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2902% | 120 |
| Assets per employee ($millions) | 3.3226% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 1,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 10.1234% | 4,918 |
| Net loans and leases to deposits | 12.3808% | 4,920 |
| Net loans and leases to core deposits | 12.8450% | 4,914 |
| Total domestic deposits to total assets | 81.7669% | 3,937 |
| Equity capital to assets | 18.2221% | 246 |
| Core capital (leverage) ratio | 18.1126% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,707,000 | 4,826 |
| Average earning assets | $33,820,000 | 4,800 |
| Average equity | $6,668,000 | 4,563 |
| Average total loans | $3,977,000 | 4,939 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6380% | 4,813 |
| Cost of funding earning assets | 0.1579% | 4,703 |
| Net interest margin | 2.4801% | 4,607 |
| Noninterest income to average assets | 0.3315% | 3,478 |
| Noninterest expense to average assets | 2.6613% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0062% | 4,732 |
| Return on assets (ROA) | 0.0062% | 4,768 |
| Pretax return on assets | 0.0062% | 4,758 |
| Return on Equity (ROE) | 0.0299% | 4,768 |
| Retained earnings to average equity (ytd only) | 0.0299% | 4,508 |
| Net charge-offs to loans | 0.0452% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,293 |
| Efficiency ratio | 99.7677% | 176 |
| Assets per employee ($millions) | 2.9054% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 11.8457% | 4,933 |
| Net loans and leases to deposits | 14.6547% | 4,933 |
| Net loans and leases to core deposits | 15.2387% | 4,930 |
| Total domestic deposits to total assets | 80.8318% | 3,902 |
| Equity capital to assets | 19.1481% | 225 |
| Core capital (leverage) ratio | 18.6548% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,277,200 | 4,850 |
| Average earning assets | $30,401,800 | 4,834 |
| Average equity | $6,681,400 | 4,566 |
| Average total loans | $4,428,400 | 4,956 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7798% | 4,841 |
| Cost of funding earning assets | 0.1743% | 4,742 |
| Net interest margin | 2.6055% | 4,566 |
| Noninterest income to average assets | 0.3541% | 3,335 |
| Noninterest expense to average assets | 2.7357% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0759% | 4,724 |
| Return on assets (ROA) | 0.0759% | 4,748 |
| Pretax return on assets | 0.0759% | 4,747 |
| Return on Equity (ROE) | 0.3591% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.3591% | 4,416 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3013% | 202 |
| Assets per employee ($millions) | 2.9776% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 11.5446% | 4,969 |
| Net loans and leases to deposits | 14.2153% | 4,971 |
| Net loans and leases to core deposits | 14.7643% | 4,967 |
| Total domestic deposits to total assets | 81.2124% | 3,606 |
| Equity capital to assets | 18.7288% | 254 |
| Core capital (leverage) ratio | 19.7713% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,630,250 | 4,888 |
| Average earning assets | $29,833,750 | 4,870 |
| Average equity | $6,682,750 | 4,581 |
| Average total loans | $4,487,500 | 4,988 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0754% | 4,800 |
| Cost of funding earning assets | 0.2102% | 4,739 |
| Net interest margin | 2.8652% | 4,363 |
| Noninterest income to average assets | 0.3503% | 3,379 |
| Noninterest expense to average assets | 2.8880% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1652% | 4,614 |
| Return on assets (ROA) | 0.1652% | 4,653 |
| Pretax return on assets | 0.1652% | 4,669 |
| Return on Equity (ROE) | 0.7485% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.7485% | 4,152 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5887% | 281 |
| Assets per employee ($millions) | 2.6953% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 1,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 13.5423% | 4,997 |
| Net loans and leases to deposits | 17.0940% | 4,995 |
| Net loans and leases to core deposits | 17.8455% | 4,987 |
| Total domestic deposits to total assets | 79.2227% | 3,994 |
| Equity capital to assets | 20.7124% | 184 |
| Core capital (leverage) ratio | 20.8458% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,263,333 | 4,926 |
| Average earning assets | $28,549,000 | 4,912 |
| Average equity | $6,679,667 | 4,605 |
| Average total loans | $4,587,000 | 5,018 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3602% | 4,768 |
| Cost of funding earning assets | 0.2909% | 4,684 |
| Net interest margin | 3.0693% | 4,161 |
| Noninterest income to average assets | 0.3969% | 3,125 |
| Noninterest expense to average assets | 3.3945% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1095% | 4,806 |
| Return on assets (ROA) | -0.1095% | 4,791 |
| Pretax return on assets | -0.1095% | 4,780 |
| Return on Equity (ROE) | -0.4798% | 4,772 |
| Retained earnings to average equity (ytd only) | -0.4798% | 4,070 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3333% | 200 |
| Assets per employee ($millions) | 2.6747% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 15.3593% | 5,032 |
| Net loans and leases to deposits | 19.8760% | 5,028 |
| Net loans and leases to core deposits | 20.8653% | 5,027 |
| Total domestic deposits to total assets | 77.2755% | 4,320 |
| Equity capital to assets | 22.6565% | 157 |
| Core capital (leverage) ratio | 21.7601% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,223,500 | 4,978 |
| Average earning assets | $27,498,000 | 4,963 |
| Average equity | $6,670,000 | 4,637 |
| Average total loans | $4,658,500 | 5,063 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,821 |
| Cost of funding earning assets | 0.3567% | 4,582 |
| Net interest margin | 3.1915% | 4,201 |
| Noninterest income to average assets | 0.4587% | 2,958 |
| Noninterest expense to average assets | 2.8705% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6047% | 4,143 |
| Return on assets (ROA) | 0.6047% | 4,204 |
| Pretax return on assets | 0.6047% | 4,403 |
| Return on Equity (ROE) | 2.6313% | 4,724 |
| Retained earnings to average equity (ytd only) | 1.1191% | 4,347 |
| Net charge-offs to loans | 0.0639% | 2,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,000 |
| Efficiency ratio | 82.6000% | 765 |
| Assets per employee ($millions) | 2.6386% | 4,961 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 16.0896% | 5,093 |
| Net loans and leases to deposits | 20.9005% | 5,093 |
| Net loans and leases to core deposits | 21.9589% | 5,092 |
| Total domestic deposits to total assets | 76.9819% | 4,491 |
| Equity capital to assets | 22.9940% | 158 |
| Core capital (leverage) ratio | 22.1198% | 170 |
| Tier 1 risk-based capital ratio | 77.6679% | 58 |
| Total risk-based capital ratio | 78.4127% | 58 |
| Memoranda: | ||
| Average total assets | $28,775,000 | 5,041 |
| Average earning assets | $27,197,000 | 5,020 |
| Average equity | $6,612,600 | 4,682 |
| Average total loans | $4,695,000 | 5,126 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 4,922 |
| Cost of funding earning assets | 0.3682% | 4,605 |
| Net interest margin | 3.1865% | 4,328 |
| Noninterest income to average assets | 0.4829% | 2,840 |
| Noninterest expense to average assets | 2.9301% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5665% | 4,377 |
| Return on assets (ROA) | 0.5665% | 4,422 |
| Pretax return on assets | 0.5665% | 4,598 |
| Return on Equity (ROE) | 2.4656% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.4656% | 4,109 |
| Net charge-offs to loans | 0.0854% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 40.6650% | 1,365 |
| Efficiency ratio | 83.7981% | 629 |
| Assets per employee ($millions) | 2.6372% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 17.2188% | 5,169 |
| Net loans and leases to deposits | 22.4182% | 5,166 |
| Net loans and leases to core deposits | 23.5547% | 5,165 |
| Total domestic deposits to total assets | 76.8072% | 4,540 |
| Equity capital to assets | 23.1721% | 157 |
| Core capital (leverage) ratio | 22.7579% | 162 |
| Tier 1 risk-based capital ratio | 75.1145% | 62 |
| Total risk-based capital ratio | 75.8297% | 62 |
| Memoranda: | ||
| Average total assets | $28,712,500 | 5,116 |
| Average earning assets | $27,155,500 | 5,096 |
| Average equity | $6,597,250 | 4,742 |
| Average total loans | $4,685,250 | 5,203 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 4,996 |
| Cost of funding earning assets | 0.3621% | 4,643 |
| Net interest margin | 3.1558% | 4,448 |
| Noninterest income to average assets | 0.4683% | 2,854 |
| Noninterest expense to average assets | 2.9077% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5452% | 4,435 |
| Return on assets (ROA) | 0.5452% | 4,467 |
| Pretax return on assets | 0.5452% | 4,637 |
| Return on Equity (ROE) | 2.3796% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.3796% | 3,991 |
| Net charge-offs to loans | 0.0439% | 2,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 833 |
| Efficiency ratio | 84.2105% | 640 |
| Assets per employee ($millions) | 2.3500% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 16.8227% | 5,218 |
| Net loans and leases to deposits | 22.0528% | 5,213 |
| Net loans and leases to core deposits | 23.2105% | 5,211 |
| Total domestic deposits to total assets | 76.2837% | 4,638 |
| Equity capital to assets | 23.3901% | 153 |
| Core capital (leverage) ratio | 22.4675% | 161 |
| Tier 1 risk-based capital ratio | 74.9801% | 57 |
| Total risk-based capital ratio | 75.7304% | 57 |
| Memoranda: | ||
| Average total assets | $28,613,670 | 5,161 |
| Average earning assets | $27,061,670 | 5,143 |
| Average equity | $6,555,670 | 4,776 |
| Average total loans | $4,560,670 | 5,254 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 5,091 |
| Cost of funding earning assets | 0.3366% | 4,716 |
| Net interest margin | 3.1028% | 4,596 |
| Noninterest income to average assets | 0.4719% | 2,724 |
| Noninterest expense to average assets | 2.9285% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4858% | 4,558 |
| Return on assets (ROA) | 0.4858% | 4,579 |
| Pretax return on assets | 0.4858% | 4,718 |
| Return on Equity (ROE) | 2.1421% | 4,948 |
| Retained earnings to average equity (ytd only) | 2.1421% | 4,030 |
| Net charge-offs to loans | 0.0902% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,238 |
| Efficiency ratio | 85.7724% | 596 |
| Assets per employee ($millions) | 2.6304% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 14.8027% | 5,293 |
| Net loans and leases to deposits | 19.2227% | 5,282 |
| Net loans and leases to core deposits | 20.1933% | 5,281 |
| Total domestic deposits to total assets | 77.0063% | 4,650 |
| Equity capital to assets | 22.6481% | 156 |
| Core capital (leverage) ratio | 22.4487% | 161 |
| Tier 1 risk-based capital ratio | 78.8378% | 55 |
| Total risk-based capital ratio | 79.6319% | 55 |
| Memoranda: | ||
| Average total assets | $28,820,500 | 5,211 |
| Average earning assets | $27,330,500 | 5,191 |
| Average equity | $6,535,500 | 4,813 |
| Average total loans | $4,436,000 | 5,315 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 5,152 |
| Cost of funding earning assets | 0.2928% | 4,604 |
| Net interest margin | 2.8994% | 4,923 |
| Noninterest income to average assets | 0.4528% | 3,088 |
| Noninterest expense to average assets | 2.8386% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3582% | 4,926 |
| Return on assets (ROA) | 0.3582% | 4,924 |
| Pretax return on assets | 0.3582% | 4,985 |
| Return on Equity (ROE) | 1.6442% | 5,087 |
| Retained earnings to average equity (ytd only) | 1.6442% | 4,486 |
| Net charge-offs to loans | 0.4020% | 461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 6.2353% | 3,108 |
| Efficiency ratio | 88.7949% | 398 |
| Assets per employee ($millions) | 2.6097% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 15.5223% | 5,335 |
| Net loans and leases to deposits | 20.1821% | 5,327 |
| Net loans and leases to core deposits | 21.2100% | 5,319 |
| Total domestic deposits to total assets | 76.9116% | 4,643 |
| Equity capital to assets | 22.7053% | 152 |
| Core capital (leverage) ratio | 21.5293% | 176 |
| Tier 1 risk-based capital ratio | 77.2366% | 57 |
| Total risk-based capital ratio | 78.0306% | 57 |
| Memoranda: | ||
| Average total assets | $29,592,200 | 5,248 |
| Average earning assets | $28,005,800 | 5,223 |
| Average equity | $6,447,000 | 4,834 |
| Average total loans | $4,228,600 | 5,364 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0985% | 5,249 |
| Cost of funding earning assets | 0.2744% | 4,659 |
| Net interest margin | 2.8241% | 5,062 |
| Noninterest income to average assets | 0.4562% | 3,131 |
| Noninterest expense to average assets | 2.8845% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2415% | 5,165 |
| Return on assets (ROA) | 0.2415% | 5,157 |
| Pretax return on assets | 0.2415% | 5,181 |
| Return on Equity (ROE) | 1.1199% | 5,221 |
| Retained earnings to average equity (ytd only) | 1.1199% | 4,827 |
| Net charge-offs to loans | 0.5456% | 275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.1760% | 3,187 |
| Efficiency ratio | 92.2747% | 275 |
| Assets per employee ($millions) | 2.4046% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 1,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 14.8085% | 5,410 |
| Net loans and leases to deposits | 19.1804% | 5,401 |
| Net loans and leases to core deposits | 20.1462% | 5,399 |
| Total domestic deposits to total assets | 77.2067% | 4,613 |
| Equity capital to assets | 22.4086% | 152 |
| Core capital (leverage) ratio | 21.4739% | 180 |
| Tier 1 risk-based capital ratio | 78.9692% | 50 |
| Total risk-based capital ratio | 79.7875% | 50 |
| Memoranda: | ||
| Average total assets | $29,813,500 | 5,308 |
| Average earning assets | $28,185,000 | 5,287 |
| Average equity | $6,429,250 | 4,889 |
| Average total loans | $4,155,000 | 5,435 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 5,344 |
| Cost of funding earning assets | 0.2598% | 4,703 |
| Net interest margin | 2.7102% | 5,212 |
| Noninterest income to average assets | 0.4646% | 3,064 |
| Noninterest expense to average assets | 2.9337% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0929% | 5,297 |
| Return on assets (ROA) | 0.0929% | 5,290 |
| Pretax return on assets | 0.0929% | 5,294 |
| Return on Equity (ROE) | 0.4363% | 5,309 |
| Retained earnings to average equity (ytd only) | 0.4363% | 4,880 |
| Net charge-offs to loans | 0.7818% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.8750% | 3,100 |
| Efficiency ratio | 96.9298% | 205 |
| Assets per employee ($millions) | 2.4797% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 1,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 13.7014% | 5,477 |
| Net loans and leases to deposits | 17.5634% | 5,477 |
| Net loans and leases to core deposits | 18.4096% | 5,471 |
| Total domestic deposits to total assets | 78.0112% | 4,588 |
| Equity capital to assets | 21.5956% | 172 |
| Core capital (leverage) ratio | 20.4292% | 207 |
| Tier 1 risk-based capital ratio | 87.1677% | 50 |
| Total risk-based capital ratio | 88.0901% | 50 |
| Memoranda: | ||
| Average total assets | $30,133,000 | 5,371 |
| Average earning assets | $28,485,330 | 5,344 |
| Average equity | $6,417,000 | 4,942 |
| Average total loans | $4,093,330 | 5,498 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8684% | 5,426 |
| Cost of funding earning assets | 0.2367% | 4,791 |
| Net interest margin | 2.6317% | 5,302 |
| Noninterest income to average assets | 0.4090% | 3,401 |
| Noninterest expense to average assets | 2.8890% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0132% | 5,383 |
| Return on assets (ROA) | 0.0132% | 5,380 |
| Pretax return on assets | 0.0132% | 5,386 |
| Return on Equity (ROE) | 0.0624% | 5,381 |
| Retained earnings to average equity (ytd only) | 0.0624% | 4,797 |
| Net charge-offs to loans | 0.5900% | 255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 2,650 |
| Efficiency ratio | 99.5455% | 179 |
| Assets per employee ($millions) | 2.5524% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 613 |
| Loan loss allowance to noncurrent loans | 268.9655% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,624 |
| Noncurrent loans to loans | 0.7214% | 2,408 |
| Net loans and leases to total assets | 12.8702% | 5,543 |
| Net loans and leases to deposits | 16.3636% | 5,538 |
| Net loans and leases to core deposits | 17.1213% | 5,535 |
| Total domestic deposits to total assets | 78.6510% | 4,633 |
| Equity capital to assets | 20.9377% | 182 |
| Core capital (leverage) ratio | 20.3232% | 202 |
| Tier 1 risk-based capital ratio | 94.1565% | 47 |
| Total risk-based capital ratio | 95.3017% | 47 |
| Memoranda: | ||
| Average total assets | $30,321,500 | 5,428 |
| Average earning assets | $28,727,000 | 5,401 |
| Average equity | $6,412,500 | 4,997 |
| Average total loans | $4,067,500 | 5,561 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6837% | 5,501 |
| Cost of funding earning assets | 0.1910% | 5,011 |
| Net interest margin | 2.4928% | 5,415 |
| Noninterest income to average assets | 0.4177% | 3,520 |
| Noninterest expense to average assets | 2.7104% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0691% | 5,287 |
| Return on assets (ROA) | 0.0691% | 5,291 |
| Pretax return on assets | 0.0691% | 5,396 |
| Return on Equity (ROE) | 0.3284% | 5,329 |
| Retained earnings to average equity (ytd only) | 0.3284% | 4,894 |
| Net charge-offs to loans | 0.0229% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,933 |
| Efficiency ratio | 97.5148% | 216 |
| Assets per employee ($millions) | 2.3088% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0413% | 496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 13.4304% | 5,611 |
| Net loans and leases to deposits | 17.1758% | 5,609 |
| Net loans and leases to core deposits | 17.9923% | 5,603 |
| Total domestic deposits to total assets | 78.1935% | 4,688 |
| Equity capital to assets | 21.3634% | 170 |
| Core capital (leverage) ratio | 21.0298% | 175 |
| Tier 1 risk-based capital ratio | 93.5103% | 47 |
| Total risk-based capital ratio | 94.7353% | 47 |
| Memoranda: | ||
| Average total assets | $30,401,000 | 5,485 |
| Average earning assets | $28,803,200 | 5,460 |
| Average equity | $6,394,400 | 5,045 |
| Average total loans | $4,373,600 | 5,625 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6574% | 5,578 |
| Cost of funding earning assets | 0.1845% | 5,105 |
| Net interest margin | 2.4729% | 5,491 |
| Noninterest income to average assets | 0.4591% | 3,281 |
| Noninterest expense to average assets | 2.7280% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0743% | 5,464 |
| Return on assets (ROA) | 0.0743% | 5,472 |
| Pretax return on assets | 0.0743% | 5,472 |
| Return on Equity (ROE) | 0.3548% | 5,495 |
| Retained earnings to average equity (ytd only) | 0.3548% | 5,138 |
| Net charge-offs to loans | 0.0300% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.0451% | 2,131 |
| Efficiency ratio | 97.3479% | 215 |
| Assets per employee ($millions) | 2.5001% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0563% | 516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 13.3362% | 5,679 |
| Net loans and leases to deposits | 17.0589% | 5,673 |
| Net loans and leases to core deposits | 17.8696% | 5,671 |
| Total domestic deposits to total assets | 78.1774% | 4,696 |
| Equity capital to assets | 21.3593% | 175 |
| Core capital (leverage) ratio | 21.0133% | 175 |
| Tier 1 risk-based capital ratio | 93.5201% | 45 |
| Total risk-based capital ratio | 94.7461% | 45 |
| Memoranda: | ||
| Average total assets | $30,497,750 | 5,540 |
| Average earning assets | $28,899,500 | 5,517 |
| Average equity | $6,390,000 | 5,099 |
| Average total loans | $4,438,250 | 5,688 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6159% | 5,630 |
| Cost of funding earning assets | 0.1790% | 5,148 |
| Net interest margin | 2.4369% | 5,545 |
| Noninterest income to average assets | 0.4240% | 3,536 |
| Noninterest expense to average assets | 2.7329% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0000% | 5,553 |
| Return on assets (ROA) | 0.0000% | 5,555 |
| Pretax return on assets | 0.0000% | 5,548 |
| Return on Equity (ROE) | 0.0000% | 5,555 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.0439% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,411 |
| Efficiency ratio | 100.0000% | 187 |
| Assets per employee ($millions) | 2.3029% | 5,619 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 13.6682% | 5,726 |
| Net loans and leases to deposits | 17.4849% | 5,718 |
| Net loans and leases to core deposits | 18.3177% | 5,716 |
| Total domestic deposits to total assets | 78.1716% | 4,784 |
| Equity capital to assets | 21.3475% | 169 |
| Core capital (leverage) ratio | 20.5327% | 188 |
| Tier 1 risk-based capital ratio | 91.4045% | 43 |
| Total risk-based capital ratio | 92.6058% | 43 |
| Memoranda: | ||
| Average total assets | $30,663,330 | 5,585 |
| Average earning assets | $29,053,330 | 5,559 |
| Average equity | $6,384,000 | 5,127 |
| Average total loans | $4,556,000 | 5,737 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5659% | 5,698 |
| Cost of funding earning assets | 0.1765% | 5,181 |
| Net interest margin | 2.3894% | 5,624 |
| Noninterest income to average assets | 0.3868% | 3,760 |
| Noninterest expense to average assets | 2.9266% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2707% | 5,693 |
| Return on assets (ROA) | -0.2707% | 5,694 |
| Pretax return on assets | -0.2707% | 5,681 |
| Return on Equity (ROE) | -1.3165% | 5,665 |
| Retained earnings to average equity (ytd only) | -1.3165% | 5,104 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1942% | 128 |
| Assets per employee ($millions) | 2.3620% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 1,043 |
| Loan loss allowance to noncurrent loans | 95.5056% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 4,049 |
| Noncurrent loans to loans | 1.8392% | 1,009 |
| Net loans and leases to total assets | 15.4823% | 5,781 |
| Net loans and leases to deposits | 19.6593% | 5,770 |
| Net loans and leases to core deposits | 20.5632% | 5,768 |
| Total domestic deposits to total assets | 78.7533% | 4,868 |
| Equity capital to assets | 20.7451% | 184 |
| Core capital (leverage) ratio | 20.0352% | 197 |
| Tier 1 risk-based capital ratio | 85.0354% | 48 |
| Total risk-based capital ratio | 86.1701% | 48 |
| Memoranda: | ||
| Average total assets | $31,026,000 | 5,648 |
| Average earning assets | $29,463,500 | 5,618 |
| Average equity | $6,380,500 | 5,180 |
| Average total loans | $4,746,000 | 5,802 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6698% | 5,700 |
| Cost of funding earning assets | 0.1647% | 5,320 |
| Net interest margin | 2.5051% | 5,585 |
| Noninterest income to average assets | 0.4349% | 3,650 |
| Noninterest expense to average assets | 2.8563% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0519% | 5,666 |
| Return on assets (ROA) | -0.0519% | 5,679 |
| Pretax return on assets | -0.0519% | 5,675 |
| Return on Equity (ROE) | -0.2495% | 5,675 |
| Retained earnings to average equity (ytd only) | -0.2495% | 5,342 |
| Net charge-offs to loans | -0.1479% | 5,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8519% | 202 |
| Assets per employee ($millions) | 2.4112% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 903 |
| Loan loss allowance to noncurrent loans | 95.5056% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 4,137 |
| Noncurrent loans to loans | 1.9127% | 964 |
| Net loans and leases to total assets | 14.5728% | 5,846 |
| Net loans and leases to deposits | 18.4260% | 5,839 |
| Net loans and leases to core deposits | 19.2515% | 5,836 |
| Total domestic deposits to total assets | 79.0882% | 4,774 |
| Equity capital to assets | 20.3886% | 198 |
| Core capital (leverage) ratio | 20.0798% | 194 |
| Tier 1 risk-based capital ratio | 87.8488% | 45 |
| Total risk-based capital ratio | 89.0172% | 45 |
| Memoranda: | ||
| Average total assets | $30,808,600 | 5,699 |
| Average earning assets | $29,140,800 | 5,674 |
| Average equity | $6,412,000 | 5,207 |
| Average total loans | $4,733,400 | 5,860 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7666% | 5,730 |
| Cost of funding earning assets | 0.1657% | 5,379 |
| Net interest margin | 2.6008% | 5,585 |
| Noninterest income to average assets | 0.4520% | 3,549 |
| Noninterest expense to average assets | 2.8297% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0782% | 5,650 |
| Return on assets (ROA) | 0.0782% | 5,693 |
| Pretax return on assets | 0.0782% | 5,696 |
| Return on Equity (ROE) | 0.3740% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.3740% | 5,258 |
| Net charge-offs to loans | -0.1963% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3094% | 278 |
| Assets per employee ($millions) | 2.3724% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 935 |
| Loan loss allowance to noncurrent loans | 95.5056% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 4,273 |
| Noncurrent loans to loans | 1.9310% | 1,030 |
| Net loans and leases to total assets | 14.6688% | 5,915 |
| Net loans and leases to deposits | 18.6503% | 5,908 |
| Net loans and leases to core deposits | 19.5042% | 5,905 |
| Total domestic deposits to total assets | 78.6518% | 4,797 |
| Equity capital to assets | 20.8327% | 203 |
| Core capital (leverage) ratio | 20.0568% | 199 |
| Tier 1 risk-based capital ratio | 90.2641% | 45 |
| Total risk-based capital ratio | 91.4583% | 46 |
| Memoranda: | ||
| Average total assets | $30,674,250 | 5,763 |
| Average earning assets | $28,964,000 | 5,737 |
| Average equity | $6,417,250 | 5,259 |
| Average total loans | $4,753,500 | 5,925 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9011% | 5,736 |
| Cost of funding earning assets | 0.1662% | 5,448 |
| Net interest margin | 2.7349% | 5,524 |
| Noninterest income to average assets | 0.4311% | 3,657 |
| Noninterest expense to average assets | 2.8806% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1306% | 5,635 |
| Return on assets (ROA) | 0.1306% | 5,682 |
| Pretax return on assets | 0.1306% | 5,689 |
| Return on Equity (ROE) | 0.6236% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.6236% | 5,122 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6616% | 359 |
| Assets per employee ($millions) | 2.3924% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 1,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 14.8259% | 5,989 |
| Net loans and leases to deposits | 18.8135% | 5,982 |
| Net loans and leases to core deposits | 19.6656% | 5,979 |
| Total domestic deposits to total assets | 78.8045% | 4,829 |
| Equity capital to assets | 20.6649% | 200 |
| Core capital (leverage) ratio | 20.3734% | 182 |
| Tier 1 risk-based capital ratio | 86.4309% | 52 |
| Total risk-based capital ratio | 87.4798% | 52 |
| Memoranda: | ||
| Average total assets | $30,618,670 | 5,836 |
| Average earning assets | $28,886,000 | 5,809 |
| Average equity | $6,414,670 | 5,304 |
| Average total loans | $4,801,670 | 6,002 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 5,642 |
| Cost of funding earning assets | 0.1679% | 5,483 |
| Net interest margin | 2.8827% | 5,352 |
| Noninterest income to average assets | 0.4214% | 3,676 |
| Noninterest expense to average assets | 3.0944% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0395% | 5,760 |
| Return on assets (ROA) | 0.0395% | 5,789 |
| Pretax return on assets | 0.0395% | 5,786 |
| Return on Equity (ROE) | 0.1873% | 5,798 |
| Retained earnings to average equity (ytd only) | 0.1873% | 5,064 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7395% | 321 |
| Assets per employee ($millions) | 2.3388% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 15.5901% | 6,034 |
| Net loans and leases to deposits | 19.8976% | 6,032 |
| Net loans and leases to core deposits | 20.8251% | 6,029 |
| Total domestic deposits to total assets | 78.3515% | 5,079 |
| Equity capital to assets | 21.0828% | 176 |
| Core capital (leverage) ratio | 20.6654% | 175 |
| Tier 1 risk-based capital ratio | 69.9705% | 68 |
| Total risk-based capital ratio | 70.8220% | 69 |
| Memoranda: | ||
| Average total assets | $30,377,500 | 5,901 |
| Average earning assets | $28,584,000 | 5,870 |
| Average equity | $6,408,500 | 5,333 |
| Average total loans | $4,858,000 | 6,063 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 5,608 |
| Cost of funding earning assets | 0.1713% | 5,523 |
| Net interest margin | 2.9533% | 5,238 |
| Noninterest income to average assets | 0.4878% | 3,410 |
| Noninterest expense to average assets | 2.8971% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3568% | 5,195 |
| Return on assets (ROA) | 0.3568% | 5,279 |
| Pretax return on assets | 0.3568% | 5,416 |
| Return on Equity (ROE) | 1.7184% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.7184% | 4,745 |
| Net charge-offs to loans | -0.0946% | 5,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0342% | 755 |
| Assets per employee ($millions) | 2.3347% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 15.8809% | 6,099 |
| Net loans and leases to deposits | 20.2836% | 6,089 |
| Net loans and leases to core deposits | 21.2316% | 6,087 |
| Total domestic deposits to total assets | 78.2940% | 5,104 |
| Equity capital to assets | 21.1097% | 173 |
| Core capital (leverage) ratio | 20.5024% | 181 |
| Tier 1 risk-based capital ratio | 69.1453% | 70 |
| Total risk-based capital ratio | 69.9870% | 70 |
| Memoranda: | ||
| Average total assets | $30,547,800 | 5,947 |
| Average earning assets | $28,612,400 | 5,925 |
| Average equity | $6,343,000 | 5,367 |
| Average total loans | $5,285,200 | 6,112 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 5,642 |
| Cost of funding earning assets | 0.1724% | 5,609 |
| Net interest margin | 2.9773% | 5,253 |
| Noninterest income to average assets | 0.5142% | 3,268 |
| Noninterest expense to average assets | 2.9719% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3268% | 5,380 |
| Return on assets (ROA) | 0.3268% | 5,461 |
| Pretax return on assets | 0.3268% | 5,604 |
| Return on Equity (ROE) | 1.5805% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.5805% | 5,075 |
| Net charge-offs to loans | -0.1239% | 5,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0925% | 693 |
| Assets per employee ($millions) | 2.3913% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 15.8073% | 6,186 |
| Net loans and leases to deposits | 20.0359% | 6,182 |
| Net loans and leases to core deposits | 20.9418% | 6,178 |
| Total domestic deposits to total assets | 78.8947% | 5,002 |
| Equity capital to assets | 20.5005% | 213 |
| Core capital (leverage) ratio | 19.8030% | 215 |
| Tier 1 risk-based capital ratio | 68.9495% | 73 |
| Total risk-based capital ratio | 69.7934% | 73 |
| Memoranda: | ||
| Average total assets | $30,597,000 | 6,029 |
| Average earning assets | $28,615,500 | 6,007 |
| Average equity | $6,327,000 | 5,435 |
| Average total loans | $5,382,000 | 6,193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 5,614 |
| Cost of funding earning assets | 0.1683% | 5,712 |
| Net interest margin | 3.0369% | 5,131 |
| Noninterest income to average assets | 0.4994% | 3,381 |
| Noninterest expense to average assets | 3.0953% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2497% | 5,582 |
| Return on assets (ROA) | 0.2497% | 5,656 |
| Pretax return on assets | 0.2497% | 5,739 |
| Return on Equity (ROE) | 1.2041% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.2041% | 5,076 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5344% | 612 |
| Assets per employee ($millions) | 2.3588% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 17.2939% | 6,239 |
| Net loans and leases to deposits | 21.9750% | 6,232 |
| Net loans and leases to core deposits | 22.9846% | 6,226 |
| Total domestic deposits to total assets | 78.6981% | 5,159 |
| Equity capital to assets | 20.6627% | 197 |
| Core capital (leverage) ratio | 20.1213% | 196 |
| Tier 1 risk-based capital ratio | 62.2642% | 95 |
| Total risk-based capital ratio | 62.9815% | 94 |
| Memoranda: | ||
| Average total assets | $30,433,670 | 6,104 |
| Average earning assets | $28,516,330 | 6,076 |
| Average equity | $6,311,670 | 5,486 |
| Average total loans | $5,512,000 | 6,268 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 5,592 |
| Cost of funding earning assets | 0.1694% | 5,774 |
| Net interest margin | 3.0632% | 5,051 |
| Noninterest income to average assets | 0.5145% | 3,193 |
| Noninterest expense to average assets | 3.3379% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0396% | 5,970 |
| Return on assets (ROA) | 0.0396% | 6,011 |
| Pretax return on assets | 0.0396% | 6,008 |
| Return on Equity (ROE) | 0.1905% | 6,027 |
| Retained earnings to average equity (ytd only) | 0.1905% | 5,306 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8281% | 404 |
| Assets per employee ($millions) | 2.3737% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 18.1379% | 6,288 |
| Net loans and leases to deposits | 22.9828% | 6,280 |
| Net loans and leases to core deposits | 24.0287% | 6,276 |
| Total domestic deposits to total assets | 78.9196% | 5,280 |
| Equity capital to assets | 20.4193% | 210 |
| Core capital (leverage) ratio | 20.1929% | 200 |
| Tier 1 risk-based capital ratio | 60.2736% | 107 |
| Total risk-based capital ratio | 60.9719% | 108 |
| Memoranda: | ||
| Average total assets | $30,318,500 | 6,167 |
| Average earning assets | $28,336,000 | 6,140 |
| Average equity | $6,299,500 | 5,533 |
| Average total loans | $5,580,000 | 6,335 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 5,705 |
| Cost of funding earning assets | 0.1725% | 5,964 |
| Net interest margin | 3.1267% | 5,141 |
| Noninterest income to average assets | 0.5397% | 3,239 |
| Noninterest expense to average assets | 2.9371% | 3,033 |
| Loan and lease loss provision to assets | 0.0364% | 3,853 |
| Net operating income to assets | 0.5066% | 4,789 |
| Return on assets (ROA) | 0.5199% | 4,818 |
| Pretax return on assets | 0.5199% | 5,198 |
| Return on Equity (ROE) | 2.5093% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.7101% | 4,963 |
| Net charge-offs to loans | 0.1096% | 2,950 |
| Credit loss provision to net charge-offs | 183.3333% | 1,330 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,434 |
| Efficiency ratio | 84.3958% | 1,358 |
| Assets per employee ($millions) | 2.2907% | 6,277 |
| Cash dividends to net income (ytd only)* | 31.8471% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,271 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,082 |
| Noncurrent loans to loans | 0.0182% | 5,824 |
| Net loans and leases to total assets | 18.1907% | 6,392 |
| Net loans and leases to deposits | 23.2809% | 6,377 |
| Net loans and leases to core deposits | 24.3921% | 6,368 |
| Total domestic deposits to total assets | 78.1356% | 5,414 |
| Equity capital to assets | 21.1491% | 184 |
| Core capital (leverage) ratio | 20.1349% | 208 |
| Tier 1 risk-based capital ratio | 59.1139% | 93 |
| Total risk-based capital ratio | 59.7991% | 96 |
| Memoranda: | ||
| Average total assets | $30,199,400 | 6,248 |
| Average earning assets | $28,400,800 | 6,212 |
| Average equity | $6,256,800 | 5,568 |
| Average total loans | $5,473,600 | 6,428 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2808% | 5,793 |
| Cost of funding earning assets | 0.1724% | 6,049 |
| Net interest margin | 3.1084% | 5,234 |
| Noninterest income to average assets | 0.5412% | 3,254 |
| Noninterest expense to average assets | 2.8994% | 3,120 |
| Loan and lease loss provision to assets | 0.0220% | 3,970 |
| Net operating income to assets | 0.5544% | 4,659 |
| Return on assets (ROA) | 0.5720% | 4,658 |
| Pretax return on assets | 0.5720% | 5,119 |
| Return on Equity (ROE) | 2.7748% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.7748% | 4,624 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4177% | 1,456 |
| Assets per employee ($millions) | 2.3243% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 3,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 18.0136% | 6,473 |
| Net loans and leases to deposits | 22.9837% | 6,463 |
| Net loans and leases to core deposits | 24.0596% | 6,454 |
| Total domestic deposits to total assets | 78.3757% | 5,452 |
| Equity capital to assets | 20.9194% | 191 |
| Core capital (leverage) ratio | 20.3700% | 200 |
| Tier 1 risk-based capital ratio | 59.0969% | 93 |
| Total risk-based capital ratio | 59.7794% | 95 |
| Memoranda: | ||
| Average total assets | $30,304,500 | 6,317 |
| Average earning assets | $28,610,250 | 6,283 |
| Average equity | $6,246,500 | 5,633 |
| Average total loans | $5,469,500 | 6,505 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2584% | 5,861 |
| Cost of funding earning assets | 0.1744% | 6,111 |
| Net interest margin | 3.0840% | 5,306 |
| Noninterest income to average assets | 0.5209% | 3,335 |
| Noninterest expense to average assets | 2.9472% | 3,017 |
| Loan and lease loss provision to assets | 0.0330% | 3,627 |
| Net operating income to assets | 0.4549% | 4,992 |
| Return on assets (ROA) | 0.4549% | 5,071 |
| Pretax return on assets | 0.4549% | 5,405 |
| Return on Equity (ROE) | 2.2181% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.2181% | 4,782 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7965% | 1,288 |
| Assets per employee ($millions) | 2.3359% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 3,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 18.3522% | 6,536 |
| Net loans and leases to deposits | 23.3258% | 6,520 |
| Net loans and leases to core deposits | 24.4077% | 6,515 |
| Total domestic deposits to total assets | 78.6775% | 5,518 |
| Equity capital to assets | 20.6145% | 194 |
| Core capital (leverage) ratio | 19.8390% | 206 |
| Tier 1 risk-based capital ratio | 56.4880% | 103 |
| Total risk-based capital ratio | 57.1467% | 103 |
| Memoranda: | ||
| Average total assets | $30,334,000 | 6,376 |
| Average earning assets | $28,664,330 | 6,340 |
| Average equity | $6,221,670 | 5,672 |
| Average total loans | $5,454,000 | 6,570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 5,997 |
| Cost of funding earning assets | 0.1671% | 6,248 |
| Net interest margin | 3.0363% | 5,423 |
| Noninterest income to average assets | 0.5277% | 3,211 |
| Noninterest expense to average assets | 3.0346% | 2,752 |
| Loan and lease loss provision to assets | 0.0660% | 2,806 |
| Net operating income to assets | 0.3035% | 5,478 |
| Return on assets (ROA) | 0.3035% | 5,525 |
| Pretax return on assets | 0.3035% | 5,710 |
| Return on Equity (ROE) | 1.4833% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.4833% | 5,018 |
| Net charge-offs to loans | 0.3733% | 965 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,355 |
| Efficiency ratio | 89.1473% | 1,114 |
| Assets per employee ($millions) | 2.3532% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 16.9489% | 6,619 |
| Net loans and leases to deposits | 21.4584% | 6,603 |
| Net loans and leases to core deposits | 22.4410% | 6,599 |
| Total domestic deposits to total assets | 78.9847% | 5,689 |
| Equity capital to assets | 20.3125% | 199 |
| Core capital (leverage) ratio | 19.9333% | 206 |
| Tier 1 risk-based capital ratio | 60.0155% | 90 |
| Total risk-based capital ratio | 60.6722% | 91 |
| Memoranda: | ||
| Average total assets | $30,317,500 | 6,445 |
| Average earning assets | $28,719,500 | 6,402 |
| Average equity | $6,202,500 | 5,706 |
| Average total loans | $5,358,000 | 6,640 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2281% | 6,107 |
| Cost of funding earning assets | 0.1882% | 6,348 |
| Net interest margin | 3.0399% | 5,483 |
| Noninterest income to average assets | 0.5948% | 3,124 |
| Noninterest expense to average assets | 3.1790% | 2,482 |
| Loan and lease loss provision to assets | 0.0099% | 4,928 |
| Net operating income to assets | 0.2346% | 5,736 |
| Return on assets (ROA) | 0.2346% | 5,800 |
| Pretax return on assets | 0.2346% | 5,876 |
| Return on Equity (ROE) | 1.1524% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.1524% | 5,312 |
| Net charge-offs to loans | -0.0490% | 6,333 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 818 |
| Assets per employee ($millions) | 2.3110% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 17.9576% | 6,693 |
| Net loans and leases to deposits | 22.8254% | 6,685 |
| Net loans and leases to core deposits | 23.8949% | 6,669 |
| Total domestic deposits to total assets | 78.6739% | 5,715 |
| Equity capital to assets | 20.6071% | 179 |
| Core capital (leverage) ratio | 20.2294% | 184 |
| Tier 1 risk-based capital ratio | 58.6658% | 91 |
| Total risk-based capital ratio | 59.3101% | 93 |
| Memoranda: | ||
| Average total assets | $30,260,800 | 6,509 |
| Average earning assets | $28,159,200 | 6,483 |
| Average equity | $6,160,800 | 5,772 |
| Average total loans | $6,121,800 | 6,710 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 6,129 |
| Cost of funding earning assets | 0.1902% | 6,446 |
| Net interest margin | 3.0626% | 5,427 |
| Noninterest income to average assets | 0.6070% | 3,105 |
| Noninterest expense to average assets | 3.1358% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3035% | 5,606 |
| Return on assets (ROA) | 0.3035% | 5,719 |
| Pretax return on assets | 0.3035% | 5,866 |
| Return on Equity (ROE) | 1.4951% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.4951% | 5,384 |
| Net charge-offs to loans | -0.1061% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1765% | 907 |
| Assets per employee ($millions) | 2.3212% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 5,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 19.4963% | 6,757 |
| Net loans and leases to deposits | 24.7497% | 6,740 |
| Net loans and leases to core deposits | 25.9026% | 6,741 |
| Total domestic deposits to total assets | 78.7738% | 5,791 |
| Equity capital to assets | 20.5104% | 190 |
| Core capital (leverage) ratio | 19.2522% | 229 |
| Tier 1 risk-based capital ratio | 57.9061% | 102 |
| Total risk-based capital ratio | 58.5329% | 102 |
| Memoranda: | ||
| Average total assets | $30,315,250 | 6,580 |
| Average earning assets | $28,037,000 | 6,561 |
| Average equity | $6,153,250 | 5,849 |
| Average total loans | $6,286,500 | 6,784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 6,186 |
| Cost of funding earning assets | 0.1844% | 6,551 |
| Net interest margin | 3.0500% | 5,429 |
| Noninterest income to average assets | 0.5863% | 3,279 |
| Noninterest expense to average assets | 3.1553% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2635% | 5,733 |
| Return on assets (ROA) | 0.2635% | 5,868 |
| Pretax return on assets | 0.2635% | 5,968 |
| Return on Equity (ROE) | 1.3026% | 6,144 |
| Retained earnings to average equity (ytd only) | 1.3026% | 5,373 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2929% | 880 |
| Assets per employee ($millions) | 2.3738% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 5,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 19.8023% | 6,797 |
| Net loans and leases to deposits | 24.9622% | 6,786 |
| Net loans and leases to core deposits | 26.5200% | 6,772 |
| Total domestic deposits to total assets | 79.3292% | 5,747 |
| Equity capital to assets | 19.9611% | 211 |
| Core capital (leverage) ratio | 19.7227% | 206 |
| Tier 1 risk-based capital ratio | 56.0816% | 102 |
| Total risk-based capital ratio | 56.6460% | 105 |
| Memoranda: | ||
| Average total assets | $30,362,000 | 6,625 |
| Average earning assets | $28,197,000 | 6,605 |
| Average equity | $6,141,330 | 5,890 |
| Average total loans | $6,398,670 | 6,829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 6,202 |
| Cost of funding earning assets | 0.1875% | 6,637 |
| Net interest margin | 3.0864% | 5,317 |
| Noninterest income to average assets | 0.5712% | 3,296 |
| Noninterest expense to average assets | 3.0950% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3188% | 5,498 |
| Return on assets (ROA) | 0.3188% | 5,630 |
| Pretax return on assets | 0.3188% | 5,817 |
| Return on Equity (ROE) | 1.5656% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.5656% | 5,202 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6615% | 1,089 |
| Assets per employee ($millions) | 2.1682% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 6,069 |
| Loan loss allowance to noncurrent loans | 269.5652% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,370 |
| Noncurrent loans to loans | 0.3611% | 5,500 |
| Net loans and leases to total assets | 20.7775% | 6,838 |
| Net loans and leases to deposits | 26.2912% | 6,815 |
| Net loans and leases to core deposits | 27.9677% | 6,798 |
| Total domestic deposits to total assets | 79.0282% | 5,955 |
| Equity capital to assets | 20.2405% | 209 |
| Core capital (leverage) ratio | 20.5678% | 167 |
| Tier 1 risk-based capital ratio | 59.9532% | 90 |
| Total risk-based capital ratio | 60.5582% | 92 |
| Memoranda: | ||
| Average total assets | $30,113,000 | 6,701 |
| Average earning assets | $27,735,000 | 6,681 |
| Average equity | $6,132,000 | 5,951 |
| Average total loans | $6,511,500 | 6,896 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 6,326 |
| Cost of funding earning assets | 0.2016% | 6,832 |
| Net interest margin | 3.3264% | 5,151 |
| Noninterest income to average assets | 0.7001% | 2,723 |
| Noninterest expense to average assets | 3.2411% | 2,488 |
| Loan and lease loss provision to assets | 0.5464% | 1,050 |
| Net operating income to assets | -0.0444% | 6,232 |
| Return on assets (ROA) | -0.0444% | 6,341 |
| Pretax return on assets | -0.0444% | 6,327 |
| Return on Equity (ROE) | -0.2110% | 6,326 |
| Retained earnings to average equity (ytd only) | -0.2110% | 5,888 |
| Net charge-offs to loans | 4.8542% | 38 |
| Credit loss provision to net charge-offs | 45.8453% | 4,788 |
| Earnings coverage of net charge-offs (x) | 0.4212% | 5,274 |
| Efficiency ratio | 86.5876% | 1,372 |
| Assets per employee ($millions) | 2.1336% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 22.0682% | 6,896 |
| Net loans and leases to deposits | 28.0177% | 6,871 |
| Net loans and leases to core deposits | 29.8402% | 6,847 |
| Total domestic deposits to total assets | 78.7654% | 5,941 |
| Equity capital to assets | 20.4881% | 206 |
| Core capital (leverage) ratio | 20.2368% | 185 |
| Tier 1 risk-based capital ratio | 57.5729% | 104 |
| Total risk-based capital ratio | 58.1562% | 104 |
| Memoranda: | ||
| Average total assets | $29,280,400 | 6,771 |
| Average earning assets | $26,786,000 | 6,741 |
| Average equity | $6,160,000 | 5,980 |
| Average total loans | $7,189,600 | 6,944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 6,465 |
| Cost of funding earning assets | 0.2047% | 6,942 |
| Net interest margin | 3.3304% | 5,278 |
| Noninterest income to average assets | 0.7094% | 2,661 |
| Noninterest expense to average assets | 3.2448% | 2,437 |
| Loan and lease loss provision to assets | 0.2060% | 3,015 |
| Net operating income to assets | 0.3112% | 5,579 |
| Return on assets (ROA) | 0.3112% | 5,781 |
| Pretax return on assets | 0.3112% | 5,934 |
| Return on Equity (ROE) | 1.4694% | 6,162 |
| Retained earnings to average equity (ytd only) | 1.4694% | 5,595 |
| Net charge-offs to loans | -0.0182% | 6,481 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2530% | 1,356 |
| Assets per employee ($millions) | 2.1046% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2447% | 253 |
| Loan loss allowance to noncurrent loans | 85.1003% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 3,926 |
| Noncurrent loans to loans | 4.9879% | 910 |
| Net loans and leases to total assets | 22.7396% | 6,992 |
| Net loans and leases to deposits | 29.0773% | 6,965 |
| Net loans and leases to core deposits | 31.0113% | 6,948 |
| Total domestic deposits to total assets | 78.2039% | 6,033 |
| Equity capital to assets | 21.0460% | 202 |
| Core capital (leverage) ratio | 20.5733% | 190 |
| Tier 1 risk-based capital ratio | 58.1707% | 101 |
| Total risk-based capital ratio | 59.4371% | 101 |
| Memoranda: | ||
| Average total assets | $29,132,750 | 6,862 |
| Average earning assets | $26,702,500 | 6,834 |
| Average equity | $6,170,000 | 6,046 |
| Average total loans | $7,323,500 | 7,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 6,504 |
| Cost of funding earning assets | 0.2039% | 7,025 |
| Net interest margin | 3.3827% | 5,147 |
| Noninterest income to average assets | 0.7374% | 2,484 |
| Noninterest expense to average assets | 3.2596% | 2,413 |
| Loan and lease loss provision to assets | 0.2067% | 3,005 |
| Net operating income to assets | 0.3583% | 5,387 |
| Return on assets (ROA) | 0.3583% | 5,612 |
| Pretax return on assets | 0.3583% | 5,805 |
| Return on Equity (ROE) | 1.6884% | 6,136 |
| Retained earnings to average equity (ytd only) | 1.6884% | 5,353 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2252% | 1,508 |
| Assets per employee ($millions) | 2.2878% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8419% | 386 |
| Loan loss allowance to noncurrent loans | 80.5158% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,052 |
| Noncurrent loans to loans | 4.7717% | 1,063 |
| Net loans and leases to total assets | 23.6475% | 7,044 |
| Net loans and leases to deposits | 30.1496% | 7,004 |
| Net loans and leases to core deposits | 32.1274% | 6,985 |
| Total domestic deposits to total assets | 78.4338% | 6,075 |
| Equity capital to assets | 20.7962% | 207 |
| Core capital (leverage) ratio | 20.8917% | 168 |
| Tier 1 risk-based capital ratio | 57.5724% | 101 |
| Total risk-based capital ratio | 58.8383% | 100 |
| Memoranda: | ||
| Average total assets | $29,022,330 | 6,915 |
| Average earning assets | $26,488,000 | 6,888 |
| Average equity | $6,159,670 | 6,073 |
| Average total loans | $7,432,330 | 7,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 6,547 |
| Cost of funding earning assets | 0.1980% | 7,110 |
| Net interest margin | 3.4264% | 5,007 |
| Noninterest income to average assets | 0.7257% | 2,528 |
| Noninterest expense to average assets | 3.2655% | 2,400 |
| Loan and lease loss provision to assets | 0.2093% | 2,855 |
| Net operating income to assets | 0.3907% | 5,296 |
| Return on assets (ROA) | 0.3907% | 5,484 |
| Pretax return on assets | 0.3907% | 5,752 |
| Return on Equity (ROE) | 1.8220% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.8220% | 5,334 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4765% | 1,641 |
| Assets per employee ($millions) | 2.0648% | 7,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6053% | 496 |
| Loan loss allowance to noncurrent loans | 55.4167% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 3,363 |
| Noncurrent loans to loans | 6.5058% | 734 |
| Net loans and leases to total assets | 24.6030% | 7,070 |
| Net loans and leases to deposits | 31.5906% | 7,017 |
| Net loans and leases to core deposits | 33.7429% | 6,997 |
| Total domestic deposits to total assets | 77.8808% | 6,277 |
| Equity capital to assets | 21.3132% | 169 |
| Core capital (leverage) ratio | 21.1937% | 154 |
| Tier 1 risk-based capital ratio | 58.2215% | 99 |
| Total risk-based capital ratio | 59.4878% | 99 |
| Memoranda: | ||
| Average total assets | $28,663,000 | 6,987 |
| Average earning assets | $26,266,500 | 6,952 |
| Average equity | $6,147,000 | 6,110 |
| Average total loans | $7,491,500 | 7,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6934% | 6,855 |
| Cost of funding earning assets | 0.2710% | 7,151 |
| Net interest margin | 3.4224% | 5,419 |
| Noninterest income to average assets | 0.7905% | 2,117 |
| Noninterest expense to average assets | 3.2925% | 2,545 |
| Loan and lease loss provision to assets | 0.1547% | 4,693 |
| Net operating income to assets | 0.3815% | 4,943 |
| Return on assets (ROA) | 0.3815% | 5,117 |
| Pretax return on assets | 0.3815% | 5,346 |
| Return on Equity (ROE) | 1.8218% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.8218% | 4,916 |
| Net charge-offs to loans | 0.4413% | 3,228 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 4.4571% | 3,105 |
| Efficiency ratio | 85.9964% | 1,566 |
| Assets per employee ($millions) | 2.0299% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3005% | 622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 25.8771% | 7,122 |
| Net loans and leases to deposits | 33.3515% | 7,063 |
| Net loans and leases to core deposits | 35.6748% | 7,043 |
| Total domestic deposits to total assets | 77.5889% | 6,262 |
| Equity capital to assets | 21.5806% | 166 |
| Core capital (leverage) ratio | 20.4420% | 182 |
| Tier 1 risk-based capital ratio | 56.0040% | 110 |
| Total risk-based capital ratio | 57.2642% | 107 |
| Memoranda: | ||
| Average total assets | $29,096,600 | 6,991 |
| Average earning assets | $25,829,600 | 6,992 |
| Average equity | $6,092,800 | 6,131 |
| Average total loans | $7,931,600 | 7,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 6,922 |
| Cost of funding earning assets | 0.2850% | 7,229 |
| Net interest margin | 3.4305% | 5,463 |
| Noninterest income to average assets | 0.8064% | 2,026 |
| Noninterest expense to average assets | 3.2301% | 2,727 |
| Loan and lease loss provision to assets | 0.1367% | 4,730 |
| Net operating income to assets | 0.4465% | 4,797 |
| Return on assets (ROA) | 0.4465% | 4,990 |
| Pretax return on assets | 0.4556% | 5,299 |
| Return on Equity (ROE) | 2.1480% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.1480% | 5,057 |
| Net charge-offs to loans | 0.2829% | 3,664 |
| Credit loss provision to net charge-offs | 176.4706% | 1,686 |
| Earnings coverage of net charge-offs (x) | 7.6458% | 2,324 |
| Efficiency ratio | 84.5054% | 1,688 |
| Assets per employee ($millions) | 2.1315% | 7,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2774% | 674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 25.1198% | 7,207 |
| Net loans and leases to deposits | 31.9223% | 7,175 |
| Net loans and leases to core deposits | 34.0016% | 7,163 |
| Total domestic deposits to total assets | 78.6904% | 6,050 |
| Equity capital to assets | 20.5087% | 227 |
| Core capital (leverage) ratio | 20.1960% | 212 |
| Tier 1 risk-based capital ratio | 59.5099% | 112 |
| Total risk-based capital ratio | 60.7740% | 112 |
| Memoranda: | ||
| Average total assets | $29,266,000 | 7,061 |
| Average earning assets | $25,729,250 | 7,064 |
| Average equity | $6,082,750 | 6,178 |
| Average total loans | $8,013,250 | 7,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 7,009 |
| Cost of funding earning assets | 0.2877% | 7,326 |
| Net interest margin | 3.4211% | 5,475 |
| Noninterest income to average assets | 0.8048% | 1,995 |
| Noninterest expense to average assets | 3.0886% | 3,295 |
| Loan and lease loss provision to assets | 0.1032% | 5,020 |
| Net operating income to assets | 0.6397% | 3,859 |
| Return on assets (ROA) | 0.6397% | 3,981 |
| Pretax return on assets | 0.6397% | 4,618 |
| Return on Equity (ROE) | 3.0641% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.0641% | 4,326 |
| Net charge-offs to loans | 0.4197% | 2,881 |
| Credit loss provision to net charge-offs | 88.2353% | 3,508 |
| Earnings coverage of net charge-offs (x) | 6.3529% | 2,412 |
| Efficiency ratio | 80.6104% | 2,299 |
| Assets per employee ($millions) | 2.2175% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0150% | 887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 26.6694% | 7,270 |
| Net loans and leases to deposits | 34.2160% | 7,211 |
| Net loans and leases to core deposits | 36.5503% | 7,205 |
| Total domestic deposits to total assets | 77.9443% | 6,299 |
| Equity capital to assets | 21.2128% | 204 |
| Core capital (leverage) ratio | 20.4570% | 204 |
| Tier 1 risk-based capital ratio | 57.7650% | 114 |
| Total risk-based capital ratio | 59.0308% | 113 |
| Memoranda: | ||
| Average total assets | $29,074,330 | 7,130 |
| Average earning assets | $25,723,000 | 7,131 |
| Average equity | $6,070,330 | 6,219 |
| Average total loans | $8,101,000 | 7,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 7,066 |
| Cost of funding earning assets | 0.2788% | 7,410 |
| Net interest margin | 3.4226% | 5,335 |
| Noninterest income to average assets | 0.8083% | 1,999 |
| Noninterest expense to average assets | 3.1235% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7124% | 3,464 |
| Return on assets (ROA) | 0.7124% | 3,530 |
| Pretax return on assets | 0.7124% | 4,258 |
| Return on Equity (ROE) | 3.4392% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.4392% | 4,127 |
| Net charge-offs to loans | 0.2931% | 2,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,800 |
| Efficiency ratio | 81.4286% | 2,315 |
| Assets per employee ($millions) | 2.2612% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8659% | 1,045 |
| Loan loss allowance to noncurrent loans | 1,958.3333% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 7,065 |
| Noncurrent loans to loans | 0.1463% | 6,685 |
| Net loans and leases to total assets | 27.0955% | 7,317 |
| Net loans and leases to deposits | 34.5209% | 7,262 |
| Net loans and leases to core deposits | 36.6966% | 7,245 |
| Total domestic deposits to total assets | 78.4903% | 6,300 |
| Equity capital to assets | 20.6627% | 223 |
| Core capital (leverage) ratio | 20.5717% | 197 |
| Tier 1 risk-based capital ratio | 56.1109% | 122 |
| Total risk-based capital ratio | 57.3764% | 120 |
| Memoranda: | ||
| Average total assets | $29,198,000 | 7,176 |
| Average earning assets | $25,828,000 | 7,178 |
| Average equity | $6,048,000 | 6,230 |
| Average total loans | $8,188,000 | 7,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 7,012 |
| Cost of funding earning assets | 0.4341% | 7,394 |
| Net interest margin | 3.6921% | 4,378 |
| Noninterest income to average assets | 0.8080% | 2,245 |
| Noninterest expense to average assets | 3.3338% | 2,627 |
| Loan and lease loss provision to assets | 0.1697% | 5,525 |
| Net operating income to assets | 0.5568% | 3,864 |
| Return on assets (ROA) | 0.5568% | 4,016 |
| Pretax return on assets | 0.5670% | 4,429 |
| Return on Equity (ROE) | 2.7580% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.7580% | 3,926 |
| Net charge-offs to loans | -0.2412% | 7,554 |
| Credit loss provision to net charge-offs | -250.0000% | 7,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9016% | 2,179 |
| Assets per employee ($millions) | 2.2308% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9477% | 908 |
| Loan loss allowance to noncurrent loans | 2,008.3333% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,135 |
| Noncurrent loans to loans | 0.1468% | 6,780 |
| Net loans and leases to total assets | 27.3621% | 7,416 |
| Net loans and leases to deposits | 34.9190% | 7,373 |
| Net loans and leases to core deposits | 37.2710% | 7,368 |
| Total domestic deposits to total assets | 78.3586% | 6,244 |
| Equity capital to assets | 20.7655% | 220 |
| Core capital (leverage) ratio | 20.1722% | 229 |
| Tier 1 risk-based capital ratio | 54.5966% | 127 |
| Total risk-based capital ratio | 55.8568% | 124 |
| Memoranda: | ||
| Average total assets | $29,455,800 | 7,223 |
| Average earning assets | $26,028,200 | 7,228 |
| Average equity | $5,946,400 | 6,381 |
| Average total loans | $8,291,600 | 7,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 7,047 |
| Cost of funding earning assets | 0.4714% | 7,486 |
| Net interest margin | 3.7608% | 4,134 |
| Noninterest income to average assets | 0.7846% | 2,307 |
| Noninterest expense to average assets | 3.2600% | 2,708 |
| Loan and lease loss provision to assets | 0.2255% | 4,812 |
| Net operating income to assets | 0.6087% | 3,847 |
| Return on assets (ROA) | 0.6087% | 4,010 |
| Pretax return on assets | 0.6087% | 4,568 |
| Return on Equity (ROE) | 3.0367% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.0367% | 4,310 |
| Net charge-offs to loans | 0.0481% | 6,041 |
| Credit loss provision to net charge-offs | 1,666.6667% | 187 |
| Earnings coverage of net charge-offs (x) | 61.6650% | 475 |
| Efficiency ratio | 79.6256% | 2,398 |
| Assets per employee ($millions) | 2.2751% | 7,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6341% | 1,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 27.2451% | 7,521 |
| Net loans and leases to deposits | 34.5363% | 7,504 |
| Net loans and leases to core deposits | 36.6873% | 7,490 |
| Total domestic deposits to total assets | 78.8883% | 6,049 |
| Equity capital to assets | 20.2631% | 271 |
| Core capital (leverage) ratio | 19.6389% | 258 |
| Tier 1 risk-based capital ratio | 52.0181% | 144 |
| Total risk-based capital ratio | 53.2766% | 145 |
| Memoranda: | ||
| Average total assets | $29,569,750 | 7,309 |
| Average earning assets | $26,022,000 | 7,319 |
| Average equity | $5,927,500 | 6,470 |
| Average total loans | $8,320,500 | 7,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 7,097 |
| Cost of funding earning assets | 0.4809% | 7,566 |
| Net interest margin | 3.7862% | 3,952 |
| Noninterest income to average assets | 0.7508% | 2,387 |
| Noninterest expense to average assets | 3.1859% | 2,957 |
| Loan and lease loss provision to assets | 0.3382% | 3,706 |
| Net operating income to assets | 0.5817% | 3,946 |
| Return on assets (ROA) | 0.5817% | 4,089 |
| Pretax return on assets | 0.5817% | 4,618 |
| Return on Equity (ROE) | 2.9125% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.9125% | 4,284 |
| Net charge-offs to loans | 0.0720% | 5,422 |
| Credit loss provision to net charge-offs | 1,666.6667% | 241 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 654 |
| Efficiency ratio | 77.5947% | 2,795 |
| Assets per employee ($millions) | 2.2959% | 7,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6227% | 1,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 27.1183% | 7,598 |
| Net loans and leases to deposits | 34.2313% | 7,574 |
| Net loans and leases to core deposits | 36.4398% | 7,562 |
| Total domestic deposits to total assets | 79.2207% | 5,973 |
| Equity capital to assets | 19.9149% | 285 |
| Core capital (leverage) ratio | 19.8193% | 257 |
| Tier 1 risk-based capital ratio | 51.6735% | 150 |
| Total risk-based capital ratio | 52.9340% | 147 |
| Memoranda: | ||
| Average total assets | $29,567,670 | 7,362 |
| Average earning assets | $26,200,330 | 7,362 |
| Average equity | $5,905,670 | 6,498 |
| Average total loans | $8,335,330 | 7,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 7,039 |
| Cost of funding earning assets | 0.4806% | 7,702 |
| Net interest margin | 3.8917% | 3,367 |
| Noninterest income to average assets | 0.7068% | 2,553 |
| Noninterest expense to average assets | 3.3438% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7748% | 3,081 |
| Return on assets (ROA) | 0.7748% | 3,192 |
| Pretax return on assets | 0.7748% | 3,971 |
| Return on Equity (ROE) | 3.8733% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.8733% | 3,817 |
| Net charge-offs to loans | 0.1438% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,216 |
| Efficiency ratio | 81.1881% | 2,389 |
| Assets per employee ($millions) | 2.1271% | 7,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 2,095 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 6,406 |
| Noncurrent loans to loans | 1.5256% | 4,461 |
| Net loans and leases to total assets | 27.1702% | 7,688 |
| Net loans and leases to deposits | 34.2781% | 7,654 |
| Net loans and leases to core deposits | 34.8405% | 7,672 |
| Total domestic deposits to total assets | 79.2639% | 6,017 |
| Equity capital to assets | 19.8630% | 296 |
| Core capital (leverage) ratio | 19.7780% | 264 |
| Tier 1 risk-based capital ratio | 52.3312% | 141 |
| Total risk-based capital ratio | 53.5875% | 139 |
| Memoranda: | ||
| Average total assets | $29,428,000 | 7,457 |
| Average earning assets | $25,798,500 | 7,466 |
| Average equity | $5,886,500 | 6,561 |
| Average total loans | $8,347,000 | 7,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 7,303 |
| Cost of funding earning assets | 0.6235% | 7,760 |
| Net interest margin | 3.9589% | 3,032 |
| Noninterest income to average assets | 0.8682% | 2,087 |
| Noninterest expense to average assets | 3.4964% | 2,383 |
| Loan and lease loss provision to assets | 0.1696% | 5,991 |
| Net operating income to assets | 0.8207% | 2,448 |
| Return on assets (ROA) | 0.8207% | 2,539 |
| Pretax return on assets | 0.7766% | 3,315 |
| Return on Equity (ROE) | 4.1925% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.1925% | 2,286 |
| Net charge-offs to loans | 1.1862% | 2,068 |
| Credit loss provision to net charge-offs | 49.0196% | 6,758 |
| Earnings coverage of net charge-offs (x) | 2.7353% | 3,732 |
| Efficiency ratio | 78.7023% | 3,091 |
| Assets per employee ($millions) | 2.0769% | 7,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 1,960 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 6,595 |
| Noncurrent loans to loans | 1.1737% | 4,979 |
| Net loans and leases to total assets | 28.4211% | 7,742 |
| Net loans and leases to deposits | 36.0040% | 7,724 |
| Net loans and leases to core deposits | 40.6253% | 7,750 |
| Total domestic deposits to total assets | 78.9387% | 5,996 |
| Equity capital to assets | 20.1465% | 288 |
| Core capital (leverage) ratio | 19.7445% | 291 |
| Tier 1 risk-based capital ratio | 47.3450% | 176 |
| Total risk-based capital ratio | 48.5978% | 175 |
| Memoranda: | ||
| Average total assets | $29,487,200 | 7,490 |
| Average earning assets | $26,623,400 | 7,475 |
| Average equity | $5,772,200 | 6,684 |
| Average total loans | $8,599,200 | 7,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 7,358 |
| Cost of funding earning assets | 0.6654% | 7,842 |
| Net interest margin | 3.9776% | 2,901 |
| Noninterest income to average assets | 0.8967% | 1,993 |
| Noninterest expense to average assets | 3.3569% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1265% | 1,650 |
| Return on assets (ROA) | 1.1265% | 1,721 |
| Pretax return on assets | 1.1490% | 2,420 |
| Return on Equity (ROE) | 5.7963% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.7963% | 2,048 |
| Net charge-offs to loans | 1.5122% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.6021% | 3,922 |
| Efficiency ratio | 74.5000% | 3,785 |
| Assets per employee ($millions) | 2.1844% | 7,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,421 |
| Loan loss allowance to noncurrent loans | 142.0455% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 6,777 |
| Noncurrent loans to loans | 1.0582% | 5,203 |
| Net loans and leases to total assets | 26.7837% | 7,866 |
| Net loans and leases to deposits | 33.5065% | 7,868 |
| Net loans and leases to core deposits | 37.5149% | 7,882 |
| Total domestic deposits to total assets | 79.9359% | 5,455 |
| Equity capital to assets | 19.1812% | 401 |
| Core capital (leverage) ratio | 19.3585% | 353 |
| Tier 1 risk-based capital ratio | 47.0900% | 192 |
| Total risk-based capital ratio | 48.0934% | 195 |
| Memoranda: | ||
| Average total assets | $29,589,750 | 7,555 |
| Average earning assets | $26,849,750 | 7,537 |
| Average equity | $5,750,750 | 6,757 |
| Average total loans | $8,640,250 | 7,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 7,301 |
| Cost of funding earning assets | 0.6986% | 7,921 |
| Net interest margin | 4.0579% | 2,475 |
| Noninterest income to average assets | 0.8886% | 2,028 |
| Noninterest expense to average assets | 3.3562% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2304% | 1,403 |
| Return on assets (ROA) | 1.2304% | 1,480 |
| Pretax return on assets | 1.2646% | 2,120 |
| Return on Equity (ROE) | 6.3022% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.3022% | 1,883 |
| Net charge-offs to loans | 1.5317% | 1,239 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.7612% | 3,703 |
| Efficiency ratio | 72.6331% | 4,275 |
| Assets per employee ($millions) | 1.9918% | 7,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,017 |
| Loan loss allowance to noncurrent loans | 866.6667% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 7,442 |
| Noncurrent loans to loans | 0.2089% | 6,990 |
| Net loans and leases to total assets | 28.3127% | 7,924 |
| Net loans and leases to deposits | 35.5480% | 7,907 |
| Net loans and leases to core deposits | 39.9235% | 7,931 |
| Total domestic deposits to total assets | 79.6466% | 5,572 |
| Equity capital to assets | 19.3995% | 424 |
| Core capital (leverage) ratio | 19.5474% | 387 |
| Tier 1 risk-based capital ratio | 46.3717% | 209 |
| Total risk-based capital ratio | 47.6198% | 211 |
| Memoranda: | ||
| Average total assets | $29,259,000 | 7,633 |
| Average earning assets | $26,910,670 | 7,600 |
| Average equity | $5,712,330 | 6,823 |
| Average total loans | $8,748,330 | 7,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 6,825 |
| Cost of funding earning assets | 0.7459% | 7,962 |
| Net interest margin | 4.2963% | 1,615 |
| Noninterest income to average assets | 0.9257% | 1,752 |
| Noninterest expense to average assets | 3.3851% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5060% | 926 |
| Return on assets (ROA) | 1.5060% | 995 |
| Pretax return on assets | 1.5199% | 1,610 |
| Return on Equity (ROE) | 7.6889% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.6889% | 1,937 |
| Net charge-offs to loans | 0.6353% | 1,907 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.8571% | 2,286 |
| Efficiency ratio | 69.0141% | 4,772 |
| Assets per employee ($millions) | 1.9476% | 7,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 29.4345% | 7,926 |
| Net loans and leases to deposits | 37.0679% | 7,919 |
| Net loans and leases to core deposits | 41.7529% | 7,952 |
| Total domestic deposits to total assets | 79.4071% | 5,571 |
| Equity capital to assets | 19.5968% | 440 |
| Core capital (leverage) ratio | 19.4384% | 422 |
| Tier 1 risk-based capital ratio | 46.3901% | 236 |
| Total risk-based capital ratio | 47.6461% | 237 |
| Memoranda: | ||
| Average total assets | $28,950,000 | 7,691 |
| Average earning assets | $26,813,500 | 7,646 |
| Average equity | $5,670,500 | 6,887 |
| Average total loans | $8,815,000 | 7,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 7,663 |
| Cost of funding earning assets | 1.2185% | 7,924 |
| Net interest margin | 4.0082% | 3,074 |
| Noninterest income to average assets | 0.9230% | 1,881 |
| Noninterest expense to average assets | 3.7602% | 1,835 |
| Loan and lease loss provision to assets | 0.0855% | 6,319 |
| Net operating income to assets | 0.8272% | 3,324 |
| Return on assets (ROA) | 0.8272% | 3,161 |
| Pretax return on assets | 0.8443% | 3,908 |
| Return on Equity (ROE) | 4.3335% | 4,668 |
| Retained earnings to average equity (ytd only) | 2.5428% | 3,622 |
| Net charge-offs to loans | 0.0340% | 6,341 |
| Credit loss provision to net charge-offs | 833.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 90.6667% | 465 |
| Efficiency ratio | 80.1749% | 2,571 |
| Assets per employee ($millions) | 1.9124% | 7,976 |
| Cash dividends to net income (ytd only)* | 41.3223% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5278% | 658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.9763% | 7,987 |
| Net loans and leases to deposits | 37.7613% | 7,979 |
| Net loans and leases to core deposits | 42.8856% | 8,010 |
| Total domestic deposits to total assets | 79.3837% | 5,243 |
| Equity capital to assets | 19.5775% | 493 |
| Core capital (leverage) ratio | 18.8843% | 522 |
| Tier 1 risk-based capital ratio | 45.6400% | 254 |
| Total risk-based capital ratio | 46.8996% | 252 |
| Memoranda: | ||
| Average total assets | $29,253,800 | 7,675 |
| Average earning assets | $27,493,800 | 7,641 |
| Average equity | $5,584,400 | 6,952 |
| Average total loans | $8,834,600 | 7,995 |