Home > The Citizens State Bank and Trust Company > Performance and Condition Ratios
The Citizens State Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0622% | 127 |
| Cost of funding earning assets | 2.3818% | 1,071 |
| Net interest margin | 5.6805% | 125 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 3.3028% | 763 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 2.0353% | 430 |
| Return on assets (ROA) | 2.0353% | 435 |
| Pretax return on assets | 2.0507% | 634 |
| Return on Equity (ROE) | 23.3400% | 256 |
| Retained earnings to average equity (ytd only) | 3.2504% | 3,029 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 59.4013% | 3,038 |
| Assets per employee ($millions) | 3.2992% | 4,232 |
| Cash dividends to net income (ytd only)* | 86.0759% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,320 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 85.2000% | 189 |
| Net loans and leases to deposits | 99.2132% | 443 |
| Net loans and leases to core deposits | 119.5696% | 562 |
| Total domestic deposits to total assets | 85.8700% | 2,348 |
| Equity capital to assets | 8.5829% | 3,246 |
| Core capital (leverage) ratio | 8.6520% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9406% | 2,690 |
| Memoranda: | ||
| Average total assets | $77,631,500 | 3,965 |
| Average earning assets | $71,543,500 | 3,955 |
| Average equity | $6,768,500 | 4,092 |
| Average total loans | $66,616,000 | 3,627 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9586% | 165 |
| Cost of funding earning assets | 2.4119% | 1,330 |
| Net interest margin | 5.5467% | 168 |
| Noninterest income to average assets | 0.1100% | 4,166 |
| Noninterest expense to average assets | 3.3951% | 668 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.6676% | 696 |
| Return on assets (ROA) | 1.6676% | 689 |
| Pretax return on assets | 1.6812% | 1,004 |
| Return on Equity (ROE) | 19.6800% | 426 |
| Retained earnings to average equity (ytd only) | 4.0974% | 2,592 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.5921% | 2,658 |
| Assets per employee ($millions) | 3.0433% | 4,283 |
| Cash dividends to net income (ytd only)* | 79.1837% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 84.7300% | 233 |
| Net loans and leases to deposits | 100.9158% | 452 |
| Net loans and leases to core deposits | 121.2011% | 564 |
| Total domestic deposits to total assets | 83.9600% | 2,795 |
| Equity capital to assets | 8.8602% | 2,929 |
| Core capital (leverage) ratio | 8.7652% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2989% | 2,688 |
| Memoranda: | ||
| Average total assets | $73,459,800 | 4,013 |
| Average earning assets | $67,499,000 | 3,998 |
| Average equity | $6,223,400 | 4,134 |
| Average total loans | $60,983,600 | 3,676 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8462% | 187 |
| Cost of funding earning assets | 2.3491% | 1,441 |
| Net interest margin | 5.4971% | 189 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 3.3532% | 683 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 1.6665% | 736 |
| Return on assets (ROA) | 1.6665% | 735 |
| Pretax return on assets | 1.6848% | 1,041 |
| Return on Equity (ROE) | 19.9100% | 439 |
| Retained earnings to average equity (ytd only) | 7.9858% | 1,396 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.3821% | 2,671 |
| Assets per employee ($millions) | 3.0823% | 4,302 |
| Cash dividends to net income (ytd only)* | 59.8901% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 3,436 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 81.7000% | 438 |
| Net loans and leases to deposits | 98.6198% | 560 |
| Net loans and leases to core deposits | 120.8663% | 593 |
| Total domestic deposits to total assets | 82.8400% | 2,899 |
| Equity capital to assets | 8.8934% | 3,105 |
| Core capital (leverage) ratio | 9.0426% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4902% | 2,690 |
| Memoranda: | ||
| Average total assets | $72,804,250 | 4,040 |
| Average earning assets | $66,918,250 | 4,024 |
| Average equity | $6,094,000 | 4,162 |
| Average total loans | $59,954,000 | 3,702 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7213% | 197 |
| Cost of funding earning assets | 2.2649% | 1,517 |
| Net interest margin | 5.4565% | 196 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 3.4404% | 616 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.5465% | 848 |
| Return on assets (ROA) | 1.5465% | 855 |
| Pretax return on assets | 1.5745% | 1,156 |
| Return on Equity (ROE) | 18.9000% | 523 |
| Retained earnings to average equity (ytd only) | 6.5742% | 1,792 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.6301% | 2,476 |
| Assets per employee ($millions) | 2.9654% | 4,341 |
| Cash dividends to net income (ytd only)* | 65.2174% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 80.2900% | 641 |
| Net loans and leases to deposits | 94.7032% | 883 |
| Net loans and leases to core deposits | 114.9501% | 797 |
| Total domestic deposits to total assets | 84.7800% | 2,371 |
| Equity capital to assets | 7.9841% | 3,440 |
| Core capital (leverage) ratio | 8.1978% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4875% | 2,830 |
| Memoranda: | ||
| Average total assets | $71,386,667 | 4,067 |
| Average earning assets | $65,610,333 | 4,052 |
| Average equity | $5,841,000 | 4,190 |
| Average total loans | $58,751,333 | 3,731 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6811% | 198 |
| Cost of funding earning assets | 2.1786% | 1,597 |
| Net interest margin | 5.5025% | 189 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 3.3308% | 691 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.6797% | 686 |
| Return on assets (ROA) | 1.6797% | 694 |
| Pretax return on assets | 1.7368% | 910 |
| Return on Equity (ROE) | 20.2700% | 423 |
| Retained earnings to average equity (ytd only) | 12.6853% | 639 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.9690% | 2,823 |
| Assets per employee ($millions) | 3.0369% | 4,363 |
| Cash dividends to net income (ytd only)* | 37.4150% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,507 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 83.2100% | 322 |
| Net loans and leases to deposits | 97.3650% | 635 |
| Net loans and leases to core deposits | 116.0832% | 752 |
| Total domestic deposits to total assets | 85.4700% | 2,262 |
| Equity capital to assets | 8.4454% | 3,057 |
| Core capital (leverage) ratio | 8.3693% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7390% | 2,834 |
| Memoranda: | ||
| Average total assets | $70,012,500 | 4,101 |
| Average earning assets | $64,261,500 | 4,087 |
| Average equity | $5,802,000 | 4,216 |
| Average total loans | $58,077,000 | 3,749 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 351 |
| Cost of funding earning assets | 1.5415% | 1,838 |
| Net interest margin | 4.9578% | 334 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.1354% | 907 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.5121% | 995 |
| Return on assets (ROA) | 1.5121% | 965 |
| Pretax return on assets | 1.5545% | 1,319 |
| Return on Equity (ROE) | 18.4600% | 764 |
| Retained earnings to average equity (ytd only) | 2.2133% | 3,530 |
| Net charge-offs to loans | 0.1130% | 839 |
| Credit loss provision to net charge-offs | 203.1746% | 1,215 |
| Earnings coverage of net charge-offs (x) | 18.9048% | 1,919 |
| Efficiency ratio | 63.5682% | 2,658 |
| Assets per employee ($millions) | 3.5088% | 4,290 |
| Cash dividends to net income (ytd only)* | 88.0077% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 3,545 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.1200% | 519 |
| Net loans and leases to deposits | 96.2579% | 765 |
| Net loans and leases to core deposits | 112.5067% | 870 |
| Total domestic deposits to total assets | 84.2700% | 2,546 |
| Equity capital to assets | 8.1296% | 3,329 |
| Core capital (leverage) ratio | 8.2799% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5939% | 2,870 |
| Memoranda: | ||
| Average total assets | $68,380,400 | 4,128 |
| Average earning assets | $64,222,400 | 4,097 |
| Average equity | $5,602,400 | 4,198 |
| Average total loans | $55,749,400 | 3,765 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2202% | 411 |
| Cost of funding earning assets | 1.3341% | 2,047 |
| Net interest margin | 4.8861% | 363 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.9833% | 1,096 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.6428% | 874 |
| Return on assets (ROA) | 1.6428% | 866 |
| Pretax return on assets | 1.6801% | 1,202 |
| Return on Equity (ROE) | 20.0100% | 724 |
| Retained earnings to average equity (ytd only) | 3.0363% | 3,497 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.3455% | 2,926 |
| Assets per employee ($millions) | 3.5643% | 4,309 |
| Cash dividends to net income (ytd only)* | 84.8268% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,043 |
| Loan loss allowance to noncurrent loans | 941.2698% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 2,958 |
| Noncurrent loans to loans | 0.1132% | 3,010 |
| Net loans and leases to total assets | 81.2700% | 503 |
| Net loans and leases to deposits | 96.8162% | 697 |
| Net loans and leases to core deposits | 112.7681% | 775 |
| Total domestic deposits to total assets | 83.9500% | 2,790 |
| Equity capital to assets | 8.3843% | 2,804 |
| Core capital (leverage) ratio | 8.3336% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1346% | 2,800 |
| Memoranda: | ||
| Average total assets | $67,931,500 | 4,147 |
| Average earning assets | $64,261,750 | 4,115 |
| Average equity | $5,576,750 | 4,211 |
| Average total loans | $55,319,250 | 3,776 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 476 |
| Cost of funding earning assets | 1.0654% | 2,399 |
| Net interest margin | 4.8719% | 363 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.9735% | 1,085 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.6529% | 866 |
| Return on assets (ROA) | 1.6529% | 868 |
| Pretax return on assets | 1.7000% | 1,213 |
| Return on Equity (ROE) | 20.2800% | 683 |
| Retained earnings to average equity (ytd only) | 0.0722% | 4,059 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.2175% | 3,053 |
| Assets per employee ($millions) | 3.8063% | 4,256 |
| Cash dividends to net income (ytd only)* | 99.6441% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,351 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.0100% | 429 |
| Net loans and leases to deposits | 97.1457% | 662 |
| Net loans and leases to core deposits | 112.6546% | 725 |
| Total domestic deposits to total assets | 84.4200% | 2,715 |
| Equity capital to assets | 8.0713% | 3,165 |
| Core capital (leverage) ratio | 8.1617% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8197% | 2,867 |
| Memoranda: | ||
| Average total assets | $68,001,333 | 4,165 |
| Average earning assets | $64,575,000 | 4,133 |
| Average equity | $5,543,000 | 4,241 |
| Average total loans | $55,214,333 | 3,788 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 491 |
| Cost of funding earning assets | 0.8697% | 2,473 |
| Net interest margin | 4.7773% | 388 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.8401% | 1,351 |
| Loan and lease loss provision to assets | 0.4900% | 157 |
| Net operating income to assets | 1.6592% | 888 |
| Return on assets (ROA) | 1.6592% | 886 |
| Pretax return on assets | 1.7536% | 1,165 |
| Return on Equity (ROE) | 20.2500% | 733 |
| Retained earnings to average equity (ytd only) | 8.7215% | 2,019 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.1684% | 3,491 |
| Assets per employee ($millions) | 3.8278% | 4,319 |
| Cash dividends to net income (ytd only)* | 56.9395% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,438 |
| Loan loss allowance to noncurrent loans | 2,815.0000% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,491 |
| Noncurrent loans to loans | 0.0362% | 3,489 |
| Net loans and leases to total assets | 79.3400% | 608 |
| Net loans and leases to deposits | 95.6939% | 669 |
| Net loans and leases to core deposits | 111.1703% | 664 |
| Total domestic deposits to total assets | 82.9100% | 3,318 |
| Equity capital to assets | 8.1698% | 3,127 |
| Core capital (leverage) ratio | 8.4346% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2489% | 2,912 |
| Memoranda: | ||
| Average total assets | $67,745,000 | 4,225 |
| Average earning assets | $64,388,000 | 4,191 |
| Average equity | $5,549,500 | 4,294 |
| Average total loans | $54,437,000 | 3,843 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 483 |
| Cost of funding earning assets | 0.4212% | 1,929 |
| Net interest margin | 4.3129% | 411 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.8812% | 1,155 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.1640% | 1,917 |
| Return on assets (ROA) | 1.1640% | 1,848 |
| Pretax return on assets | 1.2592% | 2,239 |
| Return on Equity (ROE) | 13.5700% | 1,636 |
| Retained earnings to average equity (ytd only) | -10.2217% | 4,632 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.1184% | 2,073 |
| Assets per employee ($millions) | 3.6994% | 4,382 |
| Cash dividends to net income (ytd only)* | 175.3247% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 3,786 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,276 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.8400% | 612 |
| Net loans and leases to deposits | 94.9492% | 716 |
| Net loans and leases to core deposits | 112.7147% | 529 |
| Total domestic deposits to total assets | 84.0800% | 3,189 |
| Equity capital to assets | 8.2144% | 2,923 |
| Core capital (leverage) ratio | 8.3247% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2779% | 2,922 |
| Memoranda: | ||
| Average total assets | $66,153,200 | 4,263 |
| Average earning assets | $62,671,800 | 4,230 |
| Average equity | $5,674,200 | 4,364 |
| Average total loans | $50,123,200 | 3,883 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 448 |
| Cost of funding earning assets | 0.3730% | 1,495 |
| Net interest margin | 4.1968% | 425 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.8021% | 1,250 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1245% | 1,986 |
| Return on assets (ROA) | 1.1245% | 1,956 |
| Pretax return on assets | 1.2194% | 2,292 |
| Return on Equity (ROE) | 12.9700% | 1,706 |
| Retained earnings to average equity (ytd only) | -16.1386% | 4,718 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2558% | 2,123 |
| Assets per employee ($millions) | 3.5499% | 4,467 |
| Cash dividends to net income (ytd only)* | 224.4165% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,847 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,364 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.9400% | 1,017 |
| Net loans and leases to deposits | 81.4191% | 1,491 |
| Net loans and leases to core deposits | 99.0845% | 851 |
| Total domestic deposits to total assets | 92.0400% | 864 |
| Equity capital to assets | 7.8698% | 2,979 |
| Core capital (leverage) ratio | 8.3047% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2851% | 2,989 |
| Memoranda: | ||
| Average total assets | $66,044,000 | 4,298 |
| Average earning assets | $62,554,250 | 4,266 |
| Average equity | $5,725,250 | 4,394 |
| Average total loans | $49,243,250 | 3,924 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 376 |
| Cost of funding earning assets | 0.3412% | 1,355 |
| Net interest margin | 4.1618% | 358 |
| Noninterest income to average assets | 0.1403% | 4,315 |
| Noninterest expense to average assets | 2.7480% | 1,276 |
| Loan and lease loss provision to assets | 0.0915% | 1,083 |
| Net operating income to assets | 1.1498% | 1,601 |
| Return on assets (ROA) | 1.1498% | 1,579 |
| Pretax return on assets | 1.2444% | 1,918 |
| Return on Equity (ROE) | 12.8574% | 1,418 |
| Retained earnings to average equity (ytd only) | -20.7355% | 4,727 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3928% | 2,459 |
| Assets per employee ($millions) | 3.3431% | 4,576 |
| Cash dividends to net income (ytd only)* | 261.2732% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 3,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,432 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 77.4304% | 606 |
| Net loans and leases to deposits | 84.7749% | 1,066 |
| Net loans and leases to core deposits | 102.5950% | 565 |
| Total domestic deposits to total assets | 91.3365% | 1,090 |
| Equity capital to assets | 8.5691% | 2,707 |
| Core capital (leverage) ratio | 8.5221% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7983% | 2,864 |
| Memoranda: | ||
| Average total assets | $65,576,000 | 4,343 |
| Average earning assets | $62,136,000 | 4,320 |
| Average equity | $5,864,333 | 4,433 |
| Average total loans | $48,656,000 | 3,979 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 376 |
| Cost of funding earning assets | 0.3427% | 1,268 |
| Net interest margin | 4.0610% | 366 |
| Noninterest income to average assets | 0.1381% | 4,326 |
| Noninterest expense to average assets | 2.7866% | 1,187 |
| Loan and lease loss provision to assets | 0.0901% | 919 |
| Net operating income to assets | 1.0149% | 1,813 |
| Return on assets (ROA) | 1.0149% | 1,807 |
| Pretax return on assets | 1.1050% | 2,125 |
| Return on Equity (ROE) | 11.1276% | 1,572 |
| Retained earnings to average equity (ytd only) | -5.9918% | 4,456 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0799% | 2,362 |
| Assets per employee ($millions) | 3.3660% | 4,593 |
| Cash dividends to net income (ytd only)* | 153.8462% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 4,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,520 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.0926% | 823 |
| Net loans and leases to deposits | 79.1790% | 1,203 |
| Net loans and leases to core deposits | 92.9322% | 778 |
| Total domestic deposits to total assets | 91.0501% | 1,010 |
| Equity capital to assets | 8.8712% | 2,823 |
| Core capital (leverage) ratio | 8.8702% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6701% | 2,730 |
| Memoranda: | ||
| Average total assets | $66,604,500 | 4,358 |
| Average earning assets | $63,038,000 | 4,335 |
| Average equity | $6,075,000 | 4,458 |
| Average total loans | $48,170,000 | 4,005 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 184 |
| Cost of funding earning assets | 0.5082% | 896 |
| Net interest margin | 4.7304% | 197 |
| Noninterest income to average assets | -0.0120% | 4,821 |
| Noninterest expense to average assets | 2.5845% | 1,909 |
| Loan and lease loss provision to assets | -0.0135% | 4,186 |
| Net operating income to assets | 1.8321% | 472 |
| Return on assets (ROA) | 1.8321% | 493 |
| Pretax return on assets | 1.9042% | 718 |
| Return on Equity (ROE) | 22.8353% | 180 |
| Retained earnings to average equity (ytd only) | 17.3137% | 112 |
| Net charge-offs to loans | 0.1005% | 855 |
| Credit loss provision to net charge-offs | -18.7500% | 3,186 |
| Earnings coverage of net charge-offs (x) | 26.2292% | 1,702 |
| Efficiency ratio | 56.9463% | 3,586 |
| Assets per employee ($millions) | 3.6606% | 4,549 |
| Cash dividends to net income (ytd only)* | 24.1803% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,615 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.2749% | 902 |
| Net loans and leases to deposits | 78.7983% | 1,322 |
| Net loans and leases to core deposits | 91.4887% | 908 |
| Total domestic deposits to total assets | 90.4523% | 738 |
| Equity capital to assets | 9.3762% | 3,248 |
| Core capital (leverage) ratio | 8.6257% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1613% | 2,578 |
| Memoranda: | ||
| Average total assets | $66,589,200 | 4,375 |
| Average earning assets | $63,166,400 | 4,349 |
| Average equity | $5,342,600 | 4,595 |
| Average total loans | $47,761,400 | 4,045 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 767 |
| Cost of funding earning assets | 0.5397% | 876 |
| Net interest margin | 3.8937% | 948 |
| Noninterest income to average assets | -0.0659% | 4,902 |
| Noninterest expense to average assets | 2.4304% | 2,344 |
| Loan and lease loss provision to assets | -0.0584% | 4,483 |
| Net operating income to assets | 1.1942% | 2,189 |
| Return on assets (ROA) | 1.1942% | 2,245 |
| Pretax return on assets | 1.2641% | 2,722 |
| Return on Equity (ROE) | 15.5308% | 1,033 |
| Retained earnings to average equity (ytd only) | 12.2844% | 779 |
| Net charge-offs to loans | 0.1337% | 605 |
| Credit loss provision to net charge-offs | -60.4167% | 3,163 |
| Earnings coverage of net charge-offs (x) | 12.5833% | 1,951 |
| Efficiency ratio | 65.8429% | 2,116 |
| Assets per employee ($millions) | 3.4818% | 4,650 |
| Cash dividends to net income (ytd only)* | 20.9030% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,810 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 71.4554% | 929 |
| Net loans and leases to deposits | 77.9466% | 1,490 |
| Net loans and leases to core deposits | 99.0170% | 625 |
| Total domestic deposits to total assets | 91.6723% | 194 |
| Equity capital to assets | 8.2545% | 4,381 |
| Core capital (leverage) ratio | 7.8825% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1902% | 2,926 |
| Memoranda: | ||
| Average total assets | $66,764,000 | 4,430 |
| Average earning assets | $63,485,000 | 4,397 |
| Average equity | $5,133,750 | 4,686 |
| Average total loans | $47,857,250 | 4,094 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 966 |
| Cost of funding earning assets | 0.5723% | 861 |
| Net interest margin | 3.7500% | 1,222 |
| Noninterest income to average assets | -0.1580% | 4,941 |
| Noninterest expense to average assets | 2.4648% | 2,255 |
| Loan and lease loss provision to assets | -0.1793% | 4,739 |
| Net operating income to assets | 1.0516% | 2,710 |
| Return on assets (ROA) | 1.0516% | 2,791 |
| Pretax return on assets | 1.1215% | 3,141 |
| Return on Equity (ROE) | 14.0394% | 1,401 |
| Retained earnings to average equity (ytd only) | 8.9673% | 1,720 |
| Net charge-offs to loans | 0.2039% | 423 |
| Credit loss provision to net charge-offs | -122.9167% | 3,095 |
| Earnings coverage of net charge-offs (x) | 6.4583% | 1,957 |
| Efficiency ratio | 71.2756% | 1,497 |
| Assets per employee ($millions) | 3.9716% | 4,464 |
| Cash dividends to net income (ytd only)* | 36.1272% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7320% | 4,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,928 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.2410% | 1,291 |
| Net loans and leases to deposits | 77.4329% | 1,685 |
| Net loans and leases to core deposits | 96.3615% | 788 |
| Total domestic deposits to total assets | 89.4206% | 1,068 |
| Equity capital to assets | 7.6908% | 4,679 |
| Core capital (leverage) ratio | 7.7033% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9516% | 2,969 |
| Memoranda: | ||
| Average total assets | $65,807,000 | 4,467 |
| Average earning assets | $62,560,000 | 4,441 |
| Average equity | $4,929,000 | 4,736 |
| Average total loans | $47,092,000 | 4,133 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 1,028 |
| Cost of funding earning assets | 0.6301% | 759 |
| Net interest margin | 3.6733% | 1,395 |
| Noninterest income to average assets | 0.1016% | 4,679 |
| Noninterest expense to average assets | 2.6300% | 1,801 |
| Loan and lease loss provision to assets | 0.1334% | 1,020 |
| Net operating income to assets | 0.7687% | 3,521 |
| Return on assets (ROA) | 0.7687% | 3,591 |
| Pretax return on assets | 0.8195% | 3,777 |
| Return on Equity (ROE) | 10.4209% | 2,558 |
| Retained earnings to average equity (ytd only) | 0.5167% | 4,300 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3404% | 1,461 |
| Assets per employee ($millions) | 3.4592% | 4,705 |
| Cash dividends to net income (ytd only)* | 95.0413% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,639 |
| Loan loss allowance to noncurrent loans | 782.5397% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 2,531 |
| Noncurrent loans to loans | 0.1345% | 3,638 |
| Net loans and leases to total assets | 70.5389% | 1,221 |
| Net loans and leases to deposits | 78.5660% | 1,662 |
| Net loans and leases to core deposits | 92.0500% | 1,111 |
| Total domestic deposits to total assets | 89.7830% | 919 |
| Equity capital to assets | 7.0674% | 4,829 |
| Core capital (leverage) ratio | 7.6096% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9976% | 3,058 |
| Memoranda: | ||
| Average total assets | $62,966,500 | 4,520 |
| Average earning assets | $59,673,500 | 4,490 |
| Average equity | $4,644,500 | 4,779 |
| Average total loans | $45,706,000 | 4,175 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 151 |
| Cost of funding earning assets | 0.9007% | 857 |
| Net interest margin | 4.7250% | 206 |
| Noninterest income to average assets | 0.2158% | 4,201 |
| Noninterest expense to average assets | 2.8639% | 1,778 |
| Loan and lease loss provision to assets | 0.1536% | 2,454 |
| Net operating income to assets | 1.5856% | 666 |
| Return on assets (ROA) | 1.5856% | 719 |
| Pretax return on assets | 1.6496% | 954 |
| Return on Equity (ROE) | 18.8601% | 287 |
| Retained earnings to average equity (ytd only) | -0.6091% | 4,601 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4232% | 3,392 |
| Assets per employee ($millions) | 3.1689% | 4,767 |
| Cash dividends to net income (ytd only)* | 103.2295% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,640 |
| Loan loss allowance to noncurrent loans | 749.2063% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 2,575 |
| Noncurrent loans to loans | 0.1414% | 3,717 |
| Net loans and leases to total assets | 73.2216% | 1,125 |
| Net loans and leases to deposits | 85.6188% | 1,281 |
| Net loans and leases to core deposits | 102.1644% | 804 |
| Total domestic deposits to total assets | 85.5204% | 2,559 |
| Equity capital to assets | 7.7131% | 4,798 |
| Core capital (leverage) ratio | 7.7772% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3102% | 3,046 |
| Memoranda: | ||
| Average total assets | $54,679,800 | 4,592 |
| Average earning assets | $51,513,000 | 4,566 |
| Average equity | $4,597,000 | 4,792 |
| Average total loans | $44,607,400 | 4,209 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9195% | 120 |
| Cost of funding earning assets | 0.9600% | 877 |
| Net interest margin | 4.9595% | 149 |
| Noninterest income to average assets | 0.1501% | 4,550 |
| Noninterest expense to average assets | 2.9019% | 1,700 |
| Loan and lease loss provision to assets | 0.1576% | 2,436 |
| Net operating income to assets | 1.6911% | 583 |
| Return on assets (ROA) | 1.6911% | 649 |
| Pretax return on assets | 1.7561% | 856 |
| Return on Equity (ROE) | 19.6567% | 252 |
| Retained earnings to average equity (ytd only) | -6.0773% | 4,869 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3247% | 3,482 |
| Assets per employee ($millions) | 2.9955% | 4,842 |
| Cash dividends to net income (ytd only)* | 130.9172% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,776 |
| Loan loss allowance to noncurrent loans | 715.8730% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 2,664 |
| Noncurrent loans to loans | 0.1374% | 3,831 |
| Net loans and leases to total assets | 75.8066% | 1,124 |
| Net loans and leases to deposits | 88.4059% | 1,441 |
| Net loans and leases to core deposits | 106.4530% | 833 |
| Total domestic deposits to total assets | 85.7484% | 2,164 |
| Equity capital to assets | 7.4513% | 4,868 |
| Core capital (leverage) ratio | 7.8742% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6555% | 3,110 |
| Memoranda: | ||
| Average total assets | $53,297,500 | 4,629 |
| Average earning assets | $50,138,250 | 4,603 |
| Average equity | $4,585,250 | 4,817 |
| Average total loans | $44,619,750 | 4,235 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2394% | 111 |
| Cost of funding earning assets | 1.0170% | 939 |
| Net interest margin | 5.2224% | 136 |
| Noninterest income to average assets | 0.1566% | 4,509 |
| Noninterest expense to average assets | 2.9554% | 1,700 |
| Loan and lease loss provision to assets | 0.1644% | 2,357 |
| Net operating income to assets | 1.8711% | 426 |
| Return on assets (ROA) | 1.8711% | 471 |
| Pretax return on assets | 1.9415% | 624 |
| Return on Equity (ROE) | 20.6673% | 216 |
| Retained earnings to average equity (ytd only) | -1.5998% | 4,549 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4633% | 3,759 |
| Assets per employee ($millions) | 2.7836% | 4,916 |
| Cash dividends to net income (ytd only)* | 107.7406% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 3,909 |
| Loan loss allowance to noncurrent loans | 682.5397% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,687 |
| Noncurrent loans to loans | 0.1353% | 3,915 |
| Net loans and leases to total assets | 82.8672% | 336 |
| Net loans and leases to deposits | 98.2389% | 642 |
| Net loans and leases to core deposits | 108.3087% | 802 |
| Total domestic deposits to total assets | 84.3527% | 2,610 |
| Equity capital to assets | 8.3203% | 4,577 |
| Core capital (leverage) ratio | 8.8498% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1119% | 3,152 |
| Memoranda: | ||
| Average total assets | $51,093,667 | 4,675 |
| Average earning assets | $47,985,333 | 4,653 |
| Average equity | $4,625,667 | 4,843 |
| Average total loans | $44,204,333 | 4,254 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2122% | 128 |
| Cost of funding earning assets | 1.0922% | 1,073 |
| Net interest margin | 5.1200% | 163 |
| Noninterest income to average assets | 0.1557% | 4,596 |
| Noninterest expense to average assets | 3.0817% | 1,685 |
| Loan and lease loss provision to assets | 0.1721% | 1,712 |
| Net operating income to assets | 1.6228% | 592 |
| Return on assets (ROA) | 1.6228% | 653 |
| Pretax return on assets | 1.7047% | 849 |
| Return on Equity (ROE) | 17.1336% | 321 |
| Retained earnings to average equity (ytd only) | -4.9324% | 4,514 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1570% | 3,595 |
| Assets per employee ($millions) | 2.6624% | 4,915 |
| Cash dividends to net income (ytd only)* | 128.7879% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,056 |
| Loan loss allowance to noncurrent loans | 135.8804% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 2,007 |
| Noncurrent loans to loans | 0.6737% | 2,308 |
| Net loans and leases to total assets | 87.5084% | 77 |
| Net loans and leases to deposits | 106.8322% | 264 |
| Net loans and leases to core deposits | 111.8644% | 762 |
| Total domestic deposits to total assets | 81.9120% | 3,444 |
| Equity capital to assets | 9.0855% | 4,547 |
| Core capital (leverage) ratio | 9.0474% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8351% | 3,348 |
| Memoranda: | ||
| Average total assets | $48,805,000 | 4,729 |
| Average earning assets | $45,781,000 | 4,708 |
| Average equity | $4,622,500 | 4,882 |
| Average total loans | $43,025,000 | 4,301 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1541% | 179 |
| Cost of funding earning assets | 1.2121% | 1,002 |
| Net interest margin | 4.9420% | 300 |
| Noninterest income to average assets | 0.1962% | 4,487 |
| Noninterest expense to average assets | 3.0092% | 1,992 |
| Loan and lease loss provision to assets | 0.2483% | 744 |
| Net operating income to assets | 1.4629% | 1,150 |
| Return on assets (ROA) | 1.4629% | 1,210 |
| Pretax return on assets | 1.5672% | 1,596 |
| Return on Equity (ROE) | 15.4222% | 621 |
| Retained earnings to average equity (ytd only) | 3.6740% | 3,159 |
| Net charge-offs to loans | 0.1439% | 1,363 |
| Credit loss provision to net charge-offs | 198.3333% | 1,339 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 2,283 |
| Efficiency ratio | 61.3322% | 3,491 |
| Assets per employee ($millions) | 2.6124% | 4,967 |
| Cash dividends to net income (ytd only)* | 76.1769% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,794 |
| Loan loss allowance to noncurrent loans | 130.2013% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 1,826 |
| Noncurrent loans to loans | 0.7203% | 2,079 |
| Net loans and leases to total assets | 87.1597% | 114 |
| Net loans and leases to deposits | 98.2407% | 741 |
| Net loans and leases to core deposits | 104.2609% | 1,213 |
| Total domestic deposits to total assets | 88.7207% | 781 |
| Equity capital to assets | 9.8864% | 4,024 |
| Core capital (leverage) ratio | 9.4196% | 4,145 |
| Tier 1 risk-based capital ratio | 10.7115% | 4,960 |
| Total risk-based capital ratio | 11.6363% | 4,988 |
| Memoranda: | ||
| Average total assets | $47,919,800 | 4,785 |
| Average earning assets | $44,881,000 | 4,770 |
| Average equity | $4,545,400 | 4,938 |
| Average total loans | $41,682,400 | 4,369 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1541% | 187 |
| Cost of funding earning assets | 1.2249% | 968 |
| Net interest margin | 4.9292% | 328 |
| Noninterest income to average assets | 0.2049% | 4,491 |
| Noninterest expense to average assets | 2.9107% | 2,226 |
| Loan and lease loss provision to assets | 0.2714% | 575 |
| Net operating income to assets | 1.5343% | 1,107 |
| Return on assets (ROA) | 1.5343% | 1,155 |
| Pretax return on assets | 1.6367% | 1,506 |
| Return on Equity (ROE) | 16.3436% | 559 |
| Retained earnings to average equity (ytd only) | 0.5901% | 4,648 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4828% | 3,733 |
| Assets per employee ($millions) | 2.5183% | 5,069 |
| Cash dividends to net income (ytd only)* | 96.3894% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,472 |
| Loan loss allowance to noncurrent loans | 164.8649% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 2,158 |
| Noncurrent loans to loans | 0.6173% | 2,428 |
| Net loans and leases to total assets | 86.7999% | 144 |
| Net loans and leases to deposits | 101.1471% | 551 |
| Net loans and leases to core deposits | 108.8336% | 1,002 |
| Total domestic deposits to total assets | 85.8155% | 2,073 |
| Equity capital to assets | 9.4090% | 4,523 |
| Core capital (leverage) ratio | 9.0086% | 4,632 |
| Tier 1 risk-based capital ratio | 10.2150% | 5,150 |
| Total risk-based capital ratio | 11.2208% | 5,142 |
| Memoranda: | ||
| Average total assets | $48,143,750 | 4,850 |
| Average earning assets | $45,063,750 | 4,836 |
| Average equity | $4,519,500 | 5,003 |
| Average total loans | $41,759,500 | 4,425 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1432% | 190 |
| Cost of funding earning assets | 1.1845% | 1,032 |
| Net interest margin | 4.9588% | 313 |
| Noninterest income to average assets | 0.1866% | 4,637 |
| Noninterest expense to average assets | 2.8357% | 2,462 |
| Loan and lease loss provision to assets | 0.3192% | 421 |
| Net operating income to assets | 1.5878% | 938 |
| Return on assets (ROA) | 1.5878% | 979 |
| Pretax return on assets | 1.6832% | 1,312 |
| Return on Equity (ROE) | 16.9269% | 477 |
| Retained earnings to average equity (ytd only) | -0.9281% | 4,818 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9263% | 4,024 |
| Assets per employee ($millions) | 2.5454% | 5,105 |
| Cash dividends to net income (ytd only)* | 105.4830% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,896 |
| Loan loss allowance to noncurrent loans | 156.7568% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,208 |
| Noncurrent loans to loans | 0.6027% | 2,459 |
| Net loans and leases to total assets | 88.0195% | 114 |
| Net loans and leases to deposits | 107.4678% | 290 |
| Net loans and leases to core deposits | 110.9582% | 923 |
| Total domestic deposits to total assets | 81.9031% | 3,540 |
| Equity capital to assets | 9.2221% | 4,633 |
| Core capital (leverage) ratio | 8.8810% | 4,730 |
| Tier 1 risk-based capital ratio | 9.8485% | 5,245 |
| Total risk-based capital ratio | 10.7807% | 5,256 |
| Memoranda: | ||
| Average total assets | $48,242,330 | 4,886 |
| Average earning assets | $45,253,000 | 4,867 |
| Average equity | $4,525,330 | 5,042 |
| Average total loans | $41,693,000 | 4,455 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2272% | 155 |
| Cost of funding earning assets | 1.1621% | 1,010 |
| Net interest margin | 5.0651% | 258 |
| Noninterest income to average assets | 0.1826% | 4,660 |
| Noninterest expense to average assets | 2.9056% | 2,266 |
| Loan and lease loss provision to assets | 0.4649% | 234 |
| Net operating income to assets | 1.4943% | 1,127 |
| Return on assets (ROA) | 1.4943% | 1,155 |
| Pretax return on assets | 1.5524% | 1,606 |
| Return on Equity (ROE) | 15.7964% | 616 |
| Retained earnings to average equity (ytd only) | 15.7964% | 233 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3474% | 4,032 |
| Assets per employee ($millions) | 2.5423% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,060 |
| Loan loss allowance to noncurrent loans | 542.2535% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,747 |
| Noncurrent loans to loans | 0.1703% | 3,986 |
| Net loans and leases to total assets | 85.5209% | 228 |
| Net loans and leases to deposits | 103.1255% | 437 |
| Net loans and leases to core deposits | 107.1707% | 1,092 |
| Total domestic deposits to total assets | 82.9289% | 3,404 |
| Equity capital to assets | 9.6327% | 4,148 |
| Core capital (leverage) ratio | 9.2276% | 4,435 |
| Tier 1 risk-based capital ratio | 10.7078% | 5,107 |
| Total risk-based capital ratio | 11.6266% | 5,125 |
| Memoranda: | ||
| Average total assets | $48,182,500 | 4,933 |
| Average earning assets | $45,092,500 | 4,917 |
| Average equity | $4,558,000 | 5,080 |
| Average total loans | $41,052,500 | 4,510 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8068% | 234 |
| Cost of funding earning assets | 0.8299% | 1,395 |
| Net interest margin | 4.9769% | 275 |
| Noninterest income to average assets | 0.2938% | 4,140 |
| Noninterest expense to average assets | 3.2229% | 1,498 |
| Loan and lease loss provision to assets | 0.3598% | 416 |
| Net operating income to assets | 1.3326% | 1,678 |
| Return on assets (ROA) | 1.3326% | 1,666 |
| Pretax return on assets | 1.3326% | 2,391 |
| Return on Equity (ROE) | 13.8037% | 1,094 |
| Retained earnings to average equity (ytd only) | 1.1246% | 4,671 |
| Net charge-offs to loans | 0.0079% | 3,404 |
| Credit loss provision to net charge-offs | 5,633.3333% | 81 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 363 |
| Efficiency ratio | 64.5301% | 3,113 |
| Assets per employee ($millions) | 2.6701% | 5,150 |
| Cash dividends to net income (ytd only)* | 91.8530% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 4,475 |
| Loan loss allowance to noncurrent loans | 464.7887% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,721 |
| Noncurrent loans to loans | 0.1757% | 3,964 |
| Net loans and leases to total assets | 83.3940% | 471 |
| Net loans and leases to deposits | 102.6587% | 553 |
| Net loans and leases to core deposits | 106.8800% | 1,202 |
| Total domestic deposits to total assets | 81.2343% | 3,835 |
| Equity capital to assets | 9.2861% | 4,332 |
| Core capital (leverage) ratio | 8.7971% | 4,812 |
| Tier 1 risk-based capital ratio | 10.5151% | 5,172 |
| Total risk-based capital ratio | 11.3215% | 5,242 |
| Memoranda: | ||
| Average total assets | $46,975,600 | 4,996 |
| Average earning assets | $43,621,400 | 4,982 |
| Average equity | $4,535,000 | 5,106 |
| Average total loans | $38,060,800 | 4,609 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 222 |
| Cost of funding earning assets | 0.7386% | 1,627 |
| Net interest margin | 5.0597% | 233 |
| Noninterest income to average assets | 0.3083% | 4,082 |
| Noninterest expense to average assets | 3.1745% | 1,585 |
| Loan and lease loss provision to assets | 0.4225% | 299 |
| Net operating income to assets | 1.4045% | 1,471 |
| Return on assets (ROA) | 1.4045% | 1,468 |
| Pretax return on assets | 1.4045% | 2,209 |
| Return on Equity (ROE) | 14.4076% | 1,009 |
| Retained earnings to average equity (ytd only) | 5.6224% | 2,870 |
| Net charge-offs to loans | 0.0107% | 3,040 |
| Credit loss provision to net charge-offs | 4,933.3333% | 81 |
| Earnings coverage of net charge-offs (x) | 213.3275% | 422 |
| Efficiency ratio | 62.4429% | 3,438 |
| Assets per employee ($millions) | 2.5740% | 5,265 |
| Cash dividends to net income (ytd only)* | 60.9759% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 4,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,619 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.4112% | 646 |
| Net loans and leases to deposits | 104.0291% | 545 |
| Net loans and leases to core deposits | 108.4665% | 1,136 |
| Total domestic deposits to total assets | 79.2193% | 4,276 |
| Equity capital to assets | 9.3976% | 4,182 |
| Core capital (leverage) ratio | 9.3741% | 4,308 |
| Tier 1 risk-based capital ratio | 10.6739% | 5,184 |
| Total risk-based capital ratio | 11.4171% | 5,270 |
| Memoranda: | ||
| Average total assets | $46,704,250 | 5,055 |
| Average earning assets | $43,321,750 | 5,043 |
| Average equity | $4,553,000 | 5,168 |
| Average total loans | $37,473,500 | 4,670 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8601% | 179 |
| Cost of funding earning assets | 0.7008% | 1,619 |
| Net interest margin | 5.1593% | 186 |
| Noninterest income to average assets | 0.3132% | 4,080 |
| Noninterest expense to average assets | 3.2586% | 1,416 |
| Loan and lease loss provision to assets | 0.5786% | 181 |
| Net operating income to assets | 1.2486% | 1,989 |
| Return on assets (ROA) | 1.2486% | 1,987 |
| Pretax return on assets | 1.2486% | 2,731 |
| Return on Equity (ROE) | 12.6469% | 1,496 |
| Retained earnings to average equity (ytd only) | 10.4436% | 809 |
| Net charge-offs to loans | 0.0165% | 2,589 |
| Credit loss provision to net charge-offs | 4,433.3333% | 96 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 546 |
| Efficiency ratio | 63.0453% | 3,462 |
| Assets per employee ($millions) | 2.3777% | 5,365 |
| Cash dividends to net income (ytd only)* | 17.4216% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 4,622 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.5476% | 939 |
| Net loans and leases to deposits | 95.7102% | 1,177 |
| Net loans and leases to core deposits | 97.9094% | 1,896 |
| Total domestic deposits to total assets | 84.1579% | 3,004 |
| Equity capital to assets | 10.2774% | 3,361 |
| Core capital (leverage) ratio | 9.7873% | 3,802 |
| Tier 1 risk-based capital ratio | 11.8183% | 4,610 |
| Total risk-based capital ratio | 12.5944% | 4,774 |
| Memoranda: | ||
| Average total assets | $45,970,330 | 5,125 |
| Average earning assets | $42,525,000 | 5,116 |
| Average equity | $4,538,670 | 5,228 |
| Average total loans | $36,427,000 | 4,739 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 369 |
| Cost of funding earning assets | 0.6565% | 1,683 |
| Net interest margin | 4.6893% | 412 |
| Noninterest income to average assets | 0.3019% | 4,140 |
| Noninterest expense to average assets | 3.3300% | 1,294 |
| Loan and lease loss provision to assets | 0.1467% | 1,257 |
| Net operating income to assets | 1.1387% | 2,258 |
| Return on assets (ROA) | 1.1387% | 2,273 |
| Pretax return on assets | 1.1387% | 3,010 |
| Return on Equity (ROE) | 11.7686% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.7686% | 722 |
| Net charge-offs to loans | 0.0661% | 1,449 |
| Credit loss provision to net charge-offs | 283.3333% | 851 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 1,351 |
| Efficiency ratio | 71.0280% | 2,333 |
| Assets per employee ($millions) | 2.4515% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 5,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 4,717 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.4405% | 1,172 |
| Net loans and leases to deposits | 96.3807% | 997 |
| Net loans and leases to core deposits | 96.3807% | 1,950 |
| Total domestic deposits to total assets | 81.3861% | 4,118 |
| Equity capital to assets | 9.7664% | 3,822 |
| Core capital (leverage) ratio | 10.8843% | 2,553 |
| Tier 1 risk-based capital ratio | 11.8371% | 4,659 |
| Total risk-based capital ratio | 12.3104% | 5,005 |
| Memoranda: | ||
| Average total assets | $46,367,000 | 5,178 |
| Average earning assets | $42,650,500 | 5,169 |
| Average equity | $4,486,500 | 5,290 |
| Average total loans | $36,299,000 | 4,794 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7253% | 188 |
| Cost of funding earning assets | 0.5257% | 2,133 |
| Net interest margin | 5.1996% | 170 |
| Noninterest income to average assets | 0.5935% | 2,480 |
| Noninterest expense to average assets | 4.0868% | 476 |
| Loan and lease loss provision to assets | 0.3904% | 380 |
| Net operating income to assets | 0.8325% | 3,022 |
| Return on assets (ROA) | 0.8325% | 3,056 |
| Pretax return on assets | 0.8444% | 4,111 |
| Return on Equity (ROE) | 8.7764% | 2,414 |
| Retained earnings to average equity (ytd only) | -9.4902% | 5,522 |
| Net charge-offs to loans | 0.0195% | 3,454 |
| Credit loss provision to net charge-offs | 2,450.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 790 |
| Efficiency ratio | 76.0479% | 1,613 |
| Assets per employee ($millions) | 2.0392% | 5,566 |
| Cash dividends to net income (ytd only)* | 208.1340% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 5,231 |
| Loan loss allowance to noncurrent loans | 1,021.4286% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,888 |
| Noncurrent loans to loans | 0.0594% | 4,731 |
| Net loans and leases to total assets | 82.0484% | 676 |
| Net loans and leases to deposits | 98.1028% | 894 |
| Net loans and leases to core deposits | 98.1028% | 1,855 |
| Total domestic deposits to total assets | 83.6352% | 3,341 |
| Equity capital to assets | 8.0773% | 5,363 |
| Core capital (leverage) ratio | 8.3168% | 5,270 |
| Tier 1 risk-based capital ratio | 9.1994% | 5,625 |
| Total risk-based capital ratio | 9.7898% | 5,643 |
| Memoranda: | ||
| Average total assets | $25,105,400 | 5,544 |
| Average earning assets | $22,828,600 | 5,535 |
| Average equity | $2,381,400 | 5,580 |
| Average total loans | $20,533,200 | 5,299 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6926% | 194 |
| Cost of funding earning assets | 0.4994% | 2,268 |
| Net interest margin | 5.1932% | 165 |
| Noninterest income to average assets | 0.6764% | 2,101 |
| Noninterest expense to average assets | 4.1465% | 431 |
| Loan and lease loss provision to assets | 0.4674% | 267 |
| Net operating income to assets | 0.7974% | 3,533 |
| Return on assets (ROA) | 0.7974% | 3,579 |
| Pretax return on assets | 0.8084% | 4,326 |
| Return on Equity (ROE) | 8.0546% | 3,101 |
| Retained earnings to average equity (ytd only) | -7.2213% | 5,581 |
| Net charge-offs to loans | 0.0135% | 3,256 |
| Credit loss provision to net charge-offs | 4,250.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 115.8539% | 632 |
| Efficiency ratio | 75.6592% | 1,644 |
| Assets per employee ($millions) | 2.0124% | 5,627 |
| Cash dividends to net income (ytd only)* | 189.6550% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 5,305 |
| 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 | 82.1108% | 670 |
| Net loans and leases to deposits | 99.0319% | 817 |
| Net loans and leases to core deposits | 99.0319% | 1,795 |
| Total domestic deposits to total assets | 82.9135% | 3,483 |
| Equity capital to assets | 9.2045% | 4,723 |
| Core capital (leverage) ratio | 9.2055% | 4,514 |
| Tier 1 risk-based capital ratio | 10.4426% | 5,469 |
| Total risk-based capital ratio | 11.0326% | 5,607 |
| Memoranda: | ||
| Average total assets | $24,244,500 | 5,616 |
| Average earning assets | $22,156,750 | 5,607 |
| Average equity | $2,400,250 | 5,640 |
| Average total loans | $19,774,750 | 5,377 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7330% | 181 |
| Cost of funding earning assets | 0.4367% | 2,737 |
| Net interest margin | 5.2963% | 144 |
| Noninterest income to average assets | 0.7541% | 1,750 |
| Noninterest expense to average assets | 4.1939% | 416 |
| Loan and lease loss provision to assets | 0.6354% | 175 |
| Net operating income to assets | 0.7541% | 3,618 |
| Return on assets (ROA) | 0.7541% | 3,671 |
| Pretax return on assets | 0.7541% | 4,422 |
| Return on Equity (ROE) | 7.4239% | 3,325 |
| Retained earnings to average equity (ytd only) | -15.5151% | 5,705 |
| Net charge-offs to loans | 0.0209% | 2,811 |
| Credit loss provision to net charge-offs | 3,750.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 750 |
| Efficiency ratio | 74.3551% | 1,948 |
| Assets per employee ($millions) | 1.7550% | 5,701 |
| Cash dividends to net income (ytd only)* | 308.9888% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 5,360 |
| 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 | 81.4611% | 752 |
| Net loans and leases to deposits | 100.6943% | 687 |
| Net loans and leases to core deposits | 111.9595% | 905 |
| Total domestic deposits to total assets | 80.8995% | 4,205 |
| Equity capital to assets | 9.5971% | 4,314 |
| Core capital (leverage) ratio | 9.6194% | 4,001 |
| Tier 1 risk-based capital ratio | 10.3104% | 5,537 |
| Total risk-based capital ratio | 10.8654% | 5,674 |
| Memoranda: | ||
| Average total assets | $23,605,670 | 5,671 |
| Average earning assets | $21,524,330 | 5,660 |
| Average equity | $2,397,670 | 5,688 |
| Average total loans | $19,162,000 | 5,433 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9418% | 132 |
| Cost of funding earning assets | 0.3987% | 3,007 |
| Net interest margin | 5.5432% | 107 |
| Noninterest income to average assets | 0.5708% | 2,553 |
| Noninterest expense to average assets | 4.2727% | 397 |
| Loan and lease loss provision to assets | 0.6919% | 146 |
| Net operating income to assets | 0.6573% | 3,904 |
| Return on assets (ROA) | 0.6573% | 3,938 |
| Pretax return on assets | 0.6573% | 4,573 |
| Return on Equity (ROE) | 6.2875% | 3,768 |
| Retained earnings to average equity (ytd only) | -39.2141% | 5,812 |
| Net charge-offs to loans | 0.0214% | 2,346 |
| Credit loss provision to net charge-offs | 4,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 666 |
| Efficiency ratio | 75.0769% | 2,057 |
| Assets per employee ($millions) | 1.6746% | 5,770 |
| Cash dividends to net income (ytd only)* | 723.6842% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4681% | 5,622 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 1,971 |
| Noncurrent loans to loans | 0.0053% | 5,246 |
| Net loans and leases to total assets | 80.7243% | 733 |
| Net loans and leases to deposits | 99.3856% | 658 |
| Net loans and leases to core deposits | 111.0492% | 827 |
| Total domestic deposits to total assets | 81.2233% | 4,360 |
| Equity capital to assets | 9.8149% | 3,958 |
| Core capital (leverage) ratio | 9.7755% | 3,784 |
| Tier 1 risk-based capital ratio | 11.0210% | 5,299 |
| Total risk-based capital ratio | 11.4611% | 5,596 |
| Memoranda: | ||
| Average total assets | $23,123,500 | 5,750 |
| Average earning assets | $21,071,000 | 5,732 |
| Average equity | $2,417,500 | 5,750 |
| Average total loans | $18,674,000 | 5,505 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 286 |
| Cost of funding earning assets | 0.3121% | 3,925 |
| Net interest margin | 5.0943% | 210 |
| Noninterest income to average assets | 0.3431% | 4,282 |
| Noninterest expense to average assets | 4.4606% | 392 |
| Loan and lease loss provision to assets | 0.0931% | 2,495 |
| Net operating income to assets | 0.8186% | 3,216 |
| Return on assets (ROA) | 0.8186% | 3,321 |
| Pretax return on assets | 0.5098% | 5,005 |
| Return on Equity (ROE) | 6.7842% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.7842% | 1,317 |
| Net charge-offs to loans | -0.0306% | 5,253 |
| Credit loss provision to net charge-offs | -380.0000% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1249% | 742 |
| Assets per employee ($millions) | 1.9003% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2727% | 5,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 1,983 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.1824% | 873 |
| Net loans and leases to deposits | 94.3593% | 1,163 |
| Net loans and leases to core deposits | 105.2195% | 1,181 |
| Total domestic deposits to total assets | 84.9757% | 3,060 |
| Equity capital to assets | 11.1126% | 2,525 |
| Core capital (leverage) ratio | 11.0192% | 2,320 |
| Tier 1 risk-based capital ratio | 12.8221% | 4,190 |
| Total risk-based capital ratio | 13.0808% | 4,737 |
| Memoranda: | ||
| Average total assets | $20,401,000 | 5,837 |
| Average earning assets | $18,903,600 | 5,822 |
| Average equity | $2,461,600 | 5,804 |
| Average total loans | $16,320,800 | 5,634 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 310 |
| Cost of funding earning assets | 0.2892% | 4,219 |
| Net interest margin | 5.0909% | 212 |
| Noninterest income to average assets | 0.3569% | 4,231 |
| Noninterest expense to average assets | 4.4779% | 387 |
| Loan and lease loss provision to assets | 0.0875% | 2,479 |
| Net operating income to assets | 0.9629% | 2,605 |
| Return on assets (ROA) | 0.9629% | 2,742 |
| Pretax return on assets | 0.5320% | 5,059 |
| Return on Equity (ROE) | 7.8027% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.8027% | 1,255 |
| Net charge-offs to loans | -0.0337% | 5,207 |
| Credit loss provision to net charge-offs | -325.0000% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7900% | 754 |
| Assets per employee ($millions) | 2.1463% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2503% | 5,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 2,051 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.8257% | 912 |
| Net loans and leases to deposits | 95.4804% | 1,100 |
| Net loans and leases to core deposits | 101.1154% | 1,544 |
| Total domestic deposits to total assets | 83.6043% | 3,355 |
| Equity capital to assets | 11.7924% | 2,265 |
| Core capital (leverage) ratio | 11.5748% | 1,973 |
| Tier 1 risk-based capital ratio | 13.6399% | 3,776 |
| Total risk-based capital ratio | 13.8769% | 4,298 |
| Memoranda: | ||
| Average total assets | $19,800,500 | 5,905 |
| Average earning assets | $18,437,750 | 5,886 |
| Average equity | $2,443,500 | 5,869 |
| Average total loans | $15,817,500 | 5,700 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 327 |
| Cost of funding earning assets | 0.2554% | 4,601 |
| Net interest margin | 5.0963% | 212 |
| Noninterest income to average assets | 0.4053% | 3,839 |
| Noninterest expense to average assets | 4.7282% | 320 |
| Loan and lease loss provision to assets | 0.0727% | 2,680 |
| Net operating income to assets | 0.9976% | 2,408 |
| Return on assets (ROA) | 0.9976% | 2,543 |
| Pretax return on assets | 0.3741% | 5,382 |
| Return on Equity (ROE) | 7.9525% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.9525% | 1,184 |
| Net charge-offs to loans | -0.0521% | 5,387 |
| Credit loss provision to net charge-offs | -175.0000% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3614% | 589 |
| Assets per employee ($millions) | 1.9292% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2132% | 5,970 |
| Loan loss allowance to noncurrent loans | 17.7033% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 2,172 |
| Noncurrent loans to loans | 1.2044% | 1,915 |
| Net loans and leases to total assets | 81.5984% | 672 |
| Net loans and leases to deposits | 98.8638% | 798 |
| Net loans and leases to core deposits | 104.8501% | 1,258 |
| Total domestic deposits to total assets | 82.5362% | 3,819 |
| Equity capital to assets | 11.6865% | 2,372 |
| Core capital (leverage) ratio | 11.9851% | 1,637 |
| Tier 1 risk-based capital ratio | 13.4179% | 3,954 |
| Total risk-based capital ratio | 13.6230% | 4,525 |
| Memoranda: | ||
| Average total assets | $19,246,330 | 5,988 |
| Average earning assets | $18,013,000 | 5,966 |
| Average equity | $2,414,330 | 5,946 |
| Average total loans | $15,364,670 | 5,780 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 270 |
| Cost of funding earning assets | 0.2347% | 4,860 |
| Net interest margin | 5.2331% | 168 |
| Noninterest income to average assets | 0.5696% | 2,682 |
| Noninterest expense to average assets | 4.9948% | 274 |
| Loan and lease loss provision to assets | 0.0438% | 3,044 |
| Net operating income to assets | 0.4162% | 4,943 |
| Return on assets (ROA) | 0.4162% | 5,018 |
| Pretax return on assets | 0.4162% | 5,272 |
| Return on Equity (ROE) | 3.1913% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.1913% | 3,910 |
| Net charge-offs to loans | -0.0557% | 5,377 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3614% | 654 |
| Assets per employee ($millions) | 1.6496% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1885% | 6,040 |
| Loan loss allowance to noncurrent loans | 14.5631% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 2,131 |
| Noncurrent loans to loans | 1.2945% | 1,862 |
| Net loans and leases to total assets | 80.2425% | 780 |
| Net loans and leases to deposits | 93.7828% | 1,167 |
| Net loans and leases to core deposits | 93.7828% | 2,014 |
| Total domestic deposits to total assets | 85.5620% | 2,880 |
| Equity capital to assets | 12.1243% | 1,940 |
| Core capital (leverage) ratio | 12.8621% | 1,214 |
| Tier 1 risk-based capital ratio | 13.9810% | 3,711 |
| Total risk-based capital ratio | 14.1602% | 4,233 |
| Memoranda: | ||
| Average total assets | $18,259,000 | 6,055 |
| Average earning assets | $17,045,500 | 6,035 |
| Average equity | $2,381,500 | 6,007 |
| Average total loans | $14,370,500 | 5,862 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3502% | 6,039 |
| Cost of funding earning assets | 0.0792% | 6,039 |
| Net interest margin | 2.2710% | 5,960 |
| Noninterest income to average assets | 0.0849% | 5,913 |
| Noninterest expense to average assets | 1.9528% | 5,540 |
| Loan and lease loss provision to assets | 0.1395% | 1,699 |
| Net operating income to assets | 0.0788% | 5,783 |
| Return on assets (ROA) | 0.1637% | 5,706 |
| Pretax return on assets | 0.1637% | 5,737 |
| Return on Equity (ROE) | 1.3473% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.3473% | 4,956 |
| Net charge-offs to loans | -0.0259% | 5,351 |
| Credit loss provision to net charge-offs | -766.6667% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9441% | 691 |
| Assets per employee ($millions) | 1.5203% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2027% | 6,090 |
| 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 | 76.5473% | 1,326 |
| Net loans and leases to deposits | 89.8442% | 1,632 |
| Net loans and leases to core deposits | 89.8442% | 2,416 |
| Total domestic deposits to total assets | 85.2000% | 3,000 |
| Equity capital to assets | 14.1302% | 889 |
| Core capital (leverage) ratio | 13.8321% | 863 |
| Tier 1 risk-based capital ratio | 17.2562% | 2,196 |
| Total risk-based capital ratio | 17.4495% | 2,563 |
| Memoranda: | ||
| Average total assets | $16,489,200 | 6,137 |
| Average earning assets | $15,147,400 | 6,124 |
| Average equity | $2,004,000 | 6,097 |
| Average total loans | $11,564,000 | 5,980 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5491% | 6,251 |
| Cost of funding earning assets | 0.0266% | 6,219 |
| Net interest margin | 0.5225% | 6,250 |
| Noninterest income to average assets | 0.0324% | 6,137 |
| Noninterest expense to average assets | 0.7222% | 6,240 |
| Loan and lease loss provision to assets | 0.1867% | 1,099 |
| Net operating income to assets | -0.3976% | 6,115 |
| Return on assets (ROA) | -0.3976% | 6,124 |
| Pretax return on assets | -0.3976% | 6,114 |
| Return on Equity (ROE) | -3.4128% | 6,110 |
| Retained earnings to average equity (ytd only) | -3.4128% | 5,959 |
| Net charge-offs to loans | -0.0237% | 5,258 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2698% | 51 |
| Assets per employee ($millions) | 1.6840% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2060% | 6,175 |
| Loan loss allowance to noncurrent loans | 4.3029% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 3.4501% | 383 |
| Noncurrent loans to loans | 4.7866% | 227 |
| Net loans and leases to total assets | 71.9299% | 2,070 |
| Net loans and leases to deposits | 86.4288% | 2,096 |
| Net loans and leases to core deposits | 86.4288% | 2,805 |
| Total domestic deposits to total assets | 83.2245% | 3,726 |
| Equity capital to assets | 13.7114% | 1,138 |
| Core capital (leverage) ratio | 13.3092% | 1,093 |
| Tier 1 risk-based capital ratio | 17.3619% | 2,232 |
| Total risk-based capital ratio | 17.5586% | 2,617 |
| Memoranda: | ||
| Average total assets | $16,430,750 | 6,221 |
| Average earning assets | $15,054,750 | 6,209 |
| Average equity | $1,914,250 | 6,198 |
| Average total loans | $11,248,250 | 6,068 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,240 |
| Cost of funding earning assets | 0.2038% | 5,405 |
| Net interest margin | 3.5455% | 3,308 |
| Noninterest income to average assets | 0.2823% | 4,934 |
| Noninterest expense to average assets | 5.9653% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.4794% | 6,314 |
| Return on assets (ROA) | -2.4794% | 6,315 |
| Pretax return on assets | -2.4794% | 6,313 |
| Return on Equity (ROE) | -22.6626% | 6,302 |
| Retained earnings to average equity (ytd only) | -22.6626% | 6,277 |
| Net charge-offs to loans | 0.4566% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -8.0800% | 3,837 |
| Efficiency ratio | 171.1268% | 27 |
| Assets per employee ($millions) | 1.3218% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2057% | 218 |
| Loan loss allowance to noncurrent loans | 14.2796% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 15.5781% | 23 |
| Noncurrent loans to loans | 22.4494% | 6 |
| Net loans and leases to total assets | 63.5796% | 3,329 |
| Net loans and leases to deposits | 71.0562% | 3,820 |
| Net loans and leases to core deposits | 71.0562% | 4,216 |
| Total domestic deposits to total assets | 89.4780% | 910 |
| Equity capital to assets | 10.4905% | 3,446 |
| Core capital (leverage) ratio | 7.1887% | 6,155 |
| Tier 1 risk-based capital ratio | 9.6763% | 6,167 |
| Total risk-based capital ratio | 10.9558% | 6,133 |
| Memoranda: | ||
| Average total assets | $16,294,330 | 6,298 |
| Average earning assets | $14,723,000 | 6,283 |
| Average equity | $1,782,670 | 6,281 |
| Average total loans | $10,951,670 | 6,140 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 2,400 |
| Cost of funding earning assets | 0.2134% | 5,385 |
| Net interest margin | 4.0004% | 1,550 |
| Noninterest income to average assets | 0.3150% | 4,673 |
| Noninterest expense to average assets | 5.5480% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.5990% | 6,354 |
| Return on assets (ROA) | -1.5990% | 6,356 |
| Pretax return on assets | -1.5990% | 6,352 |
| Return on Equity (ROE) | -14.3322% | 6,343 |
| Retained earnings to average equity (ytd only) | -14.3322% | 6,216 |
| Net charge-offs to loans | 0.4992% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -4.7143% | 3,230 |
| Efficiency ratio | 140.4908% | 62 |
| Assets per employee ($millions) | 1.3137% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0617% | 280 |
| Loan loss allowance to noncurrent loans | 11.7687% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 17.2151% | 18 |
| Noncurrent loans to loans | 26.0154% | 4 |
| Net loans and leases to total assets | 64.1469% | 3,072 |
| Net loans and leases to deposits | 73.7065% | 3,350 |
| Net loans and leases to core deposits | 73.7065% | 3,808 |
| Total domestic deposits to total assets | 87.0301% | 2,350 |
| Equity capital to assets | 10.6336% | 3,388 |
| Core capital (leverage) ratio | 7.9803% | 5,954 |
| Tier 1 risk-based capital ratio | 10.5007% | 6,009 |
| Total risk-based capital ratio | 11.7647% | 5,948 |
| Memoranda: | ||
| Average total assets | $16,510,500 | 6,361 |
| Average earning assets | $14,998,500 | 6,345 |
| Average equity | $1,842,000 | 6,336 |
| Average total loans | $11,218,000 | 6,198 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,622 |
| Cost of funding earning assets | 0.2616% | 5,205 |
| Net interest margin | 4.0335% | 1,791 |
| Noninterest income to average assets | 0.1060% | 6,130 |
| Noninterest expense to average assets | 4.6434% | 408 |
| Loan and lease loss provision to assets | 0.0374% | 3,829 |
| Net operating income to assets | -0.9224% | 6,368 |
| Return on assets (ROA) | -0.9224% | 6,364 |
| Pretax return on assets | -0.9224% | 6,357 |
| Return on Equity (ROE) | -9.3187% | 6,350 |
| Retained earnings to average equity (ytd only) | -9.3187% | 6,295 |
| Net charge-offs to loans | 0.3145% | 1,400 |
| Credit loss provision to net charge-offs | 17.6471% | 4,000 |
| Earnings coverage of net charge-offs (x) | -4.1765% | 4,878 |
| Efficiency ratio | 123.5489% | 107 |
| Assets per employee ($millions) | 1.2923% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2145% | 113 |
| Loan loss allowance to noncurrent loans | 17.8923% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 16.3980% | 27 |
| Noncurrent loans to loans | 23.5550% | 5 |
| Net loans and leases to total assets | 66.6817% | 2,770 |
| Net loans and leases to deposits | 75.8471% | 3,215 |
| Net loans and leases to core deposits | 75.8471% | 3,728 |
| Total domestic deposits to total assets | 87.9159% | 1,817 |
| Equity capital to assets | 12.0518% | 1,981 |
| Core capital (leverage) ratio | 8.6554% | 5,388 |
| Tier 1 risk-based capital ratio | 12.5434% | 5,015 |
| Total risk-based capital ratio | 13.8287% | 4,904 |
| Memoranda: | ||
| Average total assets | $16,044,400 | 6,454 |
| Average earning assets | $14,528,400 | 6,442 |
| Average equity | $1,588,200 | 6,450 |
| Average total loans | $10,811,600 | 6,293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,328 |
| Cost of funding earning assets | 0.2632% | 5,272 |
| Net interest margin | 4.4288% | 852 |
| Noninterest income to average assets | 0.1483% | 6,027 |
| Noninterest expense to average assets | 4.1700% | 630 |
| Loan and lease loss provision to assets | 0.0494% | 3,392 |
| Net operating income to assets | -0.0494% | 6,182 |
| Return on assets (ROA) | -0.0494% | 6,189 |
| Pretax return on assets | -0.0494% | 6,174 |
| Return on Equity (ROE) | -0.5270% | 6,193 |
| Retained earnings to average equity (ytd only) | -0.5270% | 5,879 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 362 |
| Assets per employee ($millions) | 1.1896% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4221% | 111 |
| Loan loss allowance to noncurrent loans | 30.3538% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 10.4171% | 86 |
| Noncurrent loans to loans | 14.5686% | 39 |
| Net loans and leases to total assets | 68.3414% | 2,474 |
| Net loans and leases to deposits | 75.6171% | 3,226 |
| Net loans and leases to core deposits | 75.6171% | 3,794 |
| Total domestic deposits to total assets | 90.3783% | 582 |
| Equity capital to assets | 9.5829% | 4,690 |
| Core capital (leverage) ratio | 6.2134% | 6,464 |
| Tier 1 risk-based capital ratio | 8.5121% | 6,499 |
| Total risk-based capital ratio | 9.7942% | 6,503 |
| Memoranda: | ||
| Average total assets | $16,178,500 | 6,532 |
| Average earning assets | $14,691,250 | 6,519 |
| Average equity | $1,518,000 | 6,535 |
| Average total loans | $10,815,500 | 6,364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,451 |
| Cost of funding earning assets | 0.2676% | 5,310 |
| Net interest margin | 4.3618% | 920 |
| Noninterest income to average assets | 0.2802% | 5,184 |
| Noninterest expense to average assets | 4.4955% | 454 |
| Loan and lease loss provision to assets | 0.0731% | 2,807 |
| Net operating income to assets | -0.3168% | 6,379 |
| Return on assets (ROA) | -0.3168% | 6,385 |
| Pretax return on assets | -0.3168% | 6,370 |
| Return on Equity (ROE) | -3.3987% | 6,390 |
| Retained earnings to average equity (ytd only) | -3.3987% | 6,124 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7307% | 300 |
| Assets per employee ($millions) | 1.5924% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4609% | 122 |
| Loan loss allowance to noncurrent loans | 28.7816% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 10.6694% | 88 |
| Noncurrent loans to loans | 15.4990% | 30 |
| Net loans and leases to total assets | 65.7687% | 2,790 |
| Net loans and leases to deposits | 72.6434% | 3,486 |
| Net loans and leases to core deposits | 72.6434% | 3,980 |
| Total domestic deposits to total assets | 90.5363% | 576 |
| Equity capital to assets | 9.4135% | 4,829 |
| Core capital (leverage) ratio | 6.0470% | 6,533 |
| Tier 1 risk-based capital ratio | 9.2717% | 6,517 |
| Total risk-based capital ratio | 10.5699% | 6,501 |
| Memoranda: | ||
| Average total assets | $16,416,330 | 6,598 |
| Average earning assets | $14,948,000 | 6,581 |
| Average equity | $1,530,000 | 6,597 |
| Average total loans | $10,734,670 | 6,427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 1,129 |
| Cost of funding earning assets | 0.2907% | 5,164 |
| Net interest margin | 4.4668% | 700 |
| Noninterest income to average assets | 0.3121% | 4,871 |
| Noninterest expense to average assets | 4.7052% | 384 |
| Loan and lease loss provision to assets | 0.0720% | 2,697 |
| Net operating income to assets | -0.4081% | 6,435 |
| Return on assets (ROA) | -0.4081% | 6,438 |
| Pretax return on assets | -0.4081% | 6,431 |
| Return on Equity (ROE) | -4.3999% | 6,452 |
| Retained earnings to average equity (ytd only) | -4.3999% | 6,089 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6923% | 300 |
| Assets per employee ($millions) | 1.3936% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5655% | 124 |
| Loan loss allowance to noncurrent loans | 55.7979% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 5.2084% | 378 |
| Noncurrent loans to loans | 8.1822% | 154 |
| Net loans and leases to total assets | 60.7487% | 3,437 |
| Net loans and leases to deposits | 66.9589% | 3,980 |
| Net loans and leases to core deposits | 66.9589% | 4,405 |
| Total domestic deposits to total assets | 90.7253% | 678 |
| Equity capital to assets | 9.2268% | 4,840 |
| Core capital (leverage) ratio | 6.4759% | 6,539 |
| Tier 1 risk-based capital ratio | 9.1148% | 6,589 |
| Total risk-based capital ratio | 10.3636% | 6,581 |
| Memoranda: | ||
| Average total assets | $16,662,500 | 6,669 |
| Average earning assets | $15,134,000 | 6,653 |
| Average equity | $1,545,500 | 6,662 |
| Average total loans | $10,621,000 | 6,498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,554 |
| Cost of funding earning assets | 0.3261% | 5,369 |
| Net interest margin | 4.3811% | 943 |
| Noninterest income to average assets | 0.3538% | 4,778 |
| Noninterest expense to average assets | 4.9347% | 364 |
| Loan and lease loss provision to assets | 3.1592% | 15 |
| Net operating income to assets | -3.6063% | 6,780 |
| Return on assets (ROA) | -3.5825% | 6,779 |
| Pretax return on assets | -3.8100% | 6,782 |
| Return on Equity (ROE) | -29.5960% | 6,723 |
| Retained earnings to average equity (ytd only) | -29.5960% | 6,716 |
| Net charge-offs to loans | 1.6549% | 269 |
| Credit loss provision to net charge-offs | 322.5806% | 719 |
| Earnings coverage of net charge-offs (x) | -0.6903% | 5,228 |
| Efficiency ratio | 115.8754% | 206 |
| Assets per employee ($millions) | 1.3835% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5579% | 130 |
| Loan loss allowance to noncurrent loans | 212.7753% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 2,699 |
| Noncurrent loans to loans | 2.1421% | 1,835 |
| Net loans and leases to total assets | 60.9204% | 3,553 |
| Net loans and leases to deposits | 67.2205% | 4,153 |
| Net loans and leases to core deposits | 67.2205% | 4,589 |
| Total domestic deposits to total assets | 90.6276% | 739 |
| Equity capital to assets | 9.3242% | 4,662 |
| Core capital (leverage) ratio | 6.8397% | 6,553 |
| Tier 1 risk-based capital ratio | 9.4475% | 6,610 |
| Total risk-based capital ratio | 10.7291% | 6,589 |
| Memoranda: | ||
| Average total assets | $15,826,800 | 6,755 |
| Average earning assets | $14,106,200 | 6,748 |
| Average equity | $1,915,800 | 6,702 |
| Average total loans | $9,366,400 | 6,613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,648 |
| Cost of funding earning assets | 0.3365% | 5,421 |
| Net interest margin | 4.3451% | 999 |
| Noninterest income to average assets | 0.3411% | 4,965 |
| Noninterest expense to average assets | 4.8443% | 381 |
| Loan and lease loss provision to assets | 0.0683% | 3,691 |
| Net operating income to assets | -0.7164% | 6,653 |
| Return on assets (ROA) | -0.6823% | 6,653 |
| Pretax return on assets | -0.6823% | 6,637 |
| Return on Equity (ROE) | -5.3124% | 6,608 |
| Retained earnings to average equity (ytd only) | -5.3124% | 6,508 |
| Net charge-offs to loans | 0.0442% | 4,276 |
| Credit loss provision to net charge-offs | 266.6667% | 941 |
| Earnings coverage of net charge-offs (x) | -25.3325% | 5,182 |
| Efficiency ratio | 115.4472% | 209 |
| Assets per employee ($millions) | 1.3505% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 3,915 |
| Loan loss allowance to noncurrent loans | 62.2807% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 2,847 |
| Noncurrent loans to loans | 2.2401% | 1,968 |
| Net loans and leases to total assets | 61.9277% | 3,376 |
| Net loans and leases to deposits | 70.8907% | 3,653 |
| Net loans and leases to core deposits | 70.8907% | 4,226 |
| Total domestic deposits to total assets | 87.3565% | 2,479 |
| Equity capital to assets | 12.6003% | 1,528 |
| Core capital (leverage) ratio | 10.0433% | 3,616 |
| Tier 1 risk-based capital ratio | 13.8176% | 4,561 |
| Total risk-based capital ratio | 15.0004% | 4,558 |
| Memoranda: | ||
| Average total assets | $15,633,000 | 6,834 |
| Average earning assets | $13,869,750 | 6,827 |
| Average equity | $2,007,750 | 6,766 |
| Average total loans | $9,058,750 | 6,692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 2,225 |
| Cost of funding earning assets | 0.3366% | 5,508 |
| Net interest margin | 4.1558% | 1,393 |
| Noninterest income to average assets | 0.3367% | 4,988 |
| Noninterest expense to average assets | 4.6238% | 477 |
| Loan and lease loss provision to assets | 0.0518% | 3,952 |
| Net operating income to assets | -0.6605% | 6,686 |
| Return on assets (ROA) | -0.6605% | 6,699 |
| Pretax return on assets | -0.6605% | 6,679 |
| Return on Equity (ROE) | -5.1094% | 6,645 |
| Retained earnings to average equity (ytd only) | -5.1094% | 6,466 |
| Net charge-offs to loans | 0.0691% | 3,725 |
| Credit loss provision to net charge-offs | 133.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | -15.6667% | 4,872 |
| Efficiency ratio | 115.1613% | 222 |
| Assets per employee ($millions) | 1.3698% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,145 |
| Loan loss allowance to noncurrent loans | 50.9158% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 1,206 |
| Noncurrent loans to loans | 2.7008% | 1,687 |
| Net loans and leases to total assets | 60.6498% | 3,548 |
| Net loans and leases to deposits | 69.4365% | 3,795 |
| Net loans and leases to core deposits | 69.4365% | 4,330 |
| Total domestic deposits to total assets | 87.3456% | 2,622 |
| Equity capital to assets | 12.5996% | 1,518 |
| Core capital (leverage) ratio | 10.3225% | 3,075 |
| Tier 1 risk-based capital ratio | 14.9461% | 3,812 |
| Total risk-based capital ratio | 16.1923% | 3,776 |
| Memoranda: | ||
| Average total assets | $15,442,000 | 6,885 |
| Average earning assets | $13,667,670 | 6,876 |
| Average equity | $1,996,330 | 6,817 |
| Average total loans | $8,685,670 | 6,755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 2,243 |
| Cost of funding earning assets | 0.3351% | 5,674 |
| Net interest margin | 4.1427% | 1,349 |
| Noninterest income to average assets | 0.3480% | 4,895 |
| Noninterest expense to average assets | 5.5940% | 254 |
| Loan and lease loss provision to assets | 0.0535% | 3,731 |
| Net operating income to assets | -1.6595% | 6,897 |
| Return on assets (ROA) | -1.6595% | 6,901 |
| Pretax return on assets | -1.6595% | 6,890 |
| Return on Equity (ROE) | -12.6595% | 6,843 |
| Retained earnings to average equity (ytd only) | -12.6595% | 6,694 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.2685% | 107 |
| Assets per employee ($millions) | 1.3522% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,332 |
| Loan loss allowance to noncurrent loans | 54.0541% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.2294% | 1,351 |
| Noncurrent loans to loans | 2.9894% | 1,679 |
| Net loans and leases to total assets | 52.5330% | 4,619 |
| Net loans and leases to deposits | 60.5871% | 4,725 |
| Net loans and leases to core deposits | 60.5871% | 5,086 |
| Total domestic deposits to total assets | 86.7065% | 3,126 |
| Equity capital to assets | 13.2503% | 1,321 |
| Core capital (leverage) ratio | 10.3455% | 2,974 |
| Tier 1 risk-based capital ratio | 16.0709% | 3,223 |
| Total risk-based capital ratio | 17.3195% | 3,185 |
| Memoranda: | ||
| Average total assets | $14,944,500 | 6,967 |
| Average earning assets | $13,131,500 | 6,958 |
| Average equity | $1,959,000 | 6,886 |
| Average total loans | $7,974,500 | 6,847 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 3,200 |
| Cost of funding earning assets | 0.3984% | 5,932 |
| Net interest margin | 4.1547% | 1,800 |
| Noninterest income to average assets | 0.3263% | 5,122 |
| Noninterest expense to average assets | 5.3131% | 303 |
| Loan and lease loss provision to assets | 0.8869% | 512 |
| Net operating income to assets | -1.9599% | 6,921 |
| Return on assets (ROA) | -1.8408% | 6,920 |
| Pretax return on assets | -2.0750% | 6,937 |
| Return on Equity (ROE) | -12.8145% | 6,785 |
| Retained earnings to average equity (ytd only) | -12.8145% | 6,721 |
| Net charge-offs to loans | 0.4124% | 2,603 |
| Credit loss provision to net charge-offs | 424.0000% | 569 |
| Earnings coverage of net charge-offs (x) | -6.3200% | 5,922 |
| Efficiency ratio | 133.1237% | 143 |
| Assets per employee ($millions) | 1.1386% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8943% | 2,309 |
| Loan loss allowance to noncurrent loans | 270.5882% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,128 |
| Noncurrent loans to loans | 0.7001% | 4,787 |
| Net loans and leases to total assets | 52.3092% | 4,880 |
| Net loans and leases to deposits | 60.1245% | 5,015 |
| Net loans and leases to core deposits | 60.1245% | 5,350 |
| Total domestic deposits to total assets | 87.0014% | 2,847 |
| Equity capital to assets | 12.9401% | 1,477 |
| Core capital (leverage) ratio | 9.3342% | 4,356 |
| Tier 1 risk-based capital ratio | 14.2738% | 4,184 |
| Total risk-based capital ratio | 15.5347% | 4,133 |
| Memoranda: | ||
| Average total assets | $11,951,600 | 7,051 |
| Average earning assets | $10,542,400 | 7,041 |
| Average equity | $1,716,800 | 6,996 |
| Average total loans | $6,062,400 | 6,976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 2,494 |
| Cost of funding earning assets | 0.4196% | 5,992 |
| Net interest margin | 4.3535% | 1,339 |
| Noninterest income to average assets | 0.2892% | 5,470 |
| Noninterest expense to average assets | 4.9751% | 367 |
| Loan and lease loss provision to assets | 0.0579% | 5,008 |
| Net operating income to assets | -0.9025% | 6,835 |
| Return on assets (ROA) | -0.7289% | 6,814 |
| Pretax return on assets | -0.7289% | 6,789 |
| Return on Equity (ROE) | -4.9296% | 6,713 |
| Retained earnings to average equity (ytd only) | -4.9296% | 6,610 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4482% | 191 |
| Assets per employee ($millions) | 1.1628% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,322 |
| Loan loss allowance to noncurrent loans | 51.6667% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 3.3454% | 1,515 |
| Noncurrent loans to loans | 1.7823% | 3,103 |
| Net loans and leases to total assets | 57.3701% | 4,226 |
| Net loans and leases to deposits | 67.3023% | 4,286 |
| Net loans and leases to core deposits | 67.3023% | 4,810 |
| Total domestic deposits to total assets | 85.2425% | 3,643 |
| Equity capital to assets | 14.4737% | 978 |
| Core capital (leverage) ratio | 9.7463% | 3,877 |
| Tier 1 risk-based capital ratio | 14.8193% | 3,964 |
| Total risk-based capital ratio | 15.6584% | 4,223 |
| Memoranda: | ||
| Average total assets | $11,523,750 | 7,152 |
| Average earning assets | $10,168,000 | 7,138 |
| Average equity | $1,704,000 | 7,092 |
| Average total loans | $5,756,750 | 7,078 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 3,724 |
| Cost of funding earning assets | 0.4352% | 6,068 |
| Net interest margin | 4.0746% | 2,190 |
| Noninterest income to average assets | 0.2959% | 5,441 |
| Noninterest expense to average assets | 4.4564% | 576 |
| Loan and lease loss provision to assets | 0.0522% | 5,010 |
| Net operating income to assets | -0.6267% | 6,788 |
| Return on assets (ROA) | -0.6267% | 6,815 |
| Pretax return on assets | -0.6267% | 6,787 |
| Return on Equity (ROE) | -4.2081% | 6,734 |
| Retained earnings to average equity (ytd only) | -4.2081% | 6,567 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7982% | 269 |
| Assets per employee ($millions) | 1.7107% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,275 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 2.7975% | 1,971 |
| Noncurrent loans to loans | 1.0633% | 4,390 |
| Net loans and leases to total assets | 51.3319% | 5,181 |
| Net loans and leases to deposits | 61.1338% | 5,110 |
| Net loans and leases to core deposits | 61.1338% | 5,481 |
| Total domestic deposits to total assets | 83.9666% | 4,326 |
| Equity capital to assets | 14.4468% | 933 |
| Core capital (leverage) ratio | 9.8837% | 3,603 |
| Tier 1 risk-based capital ratio | 15.7961% | 3,279 |
| Total risk-based capital ratio | 16.6409% | 3,473 |
| Memoranda: | ||
| Average total assets | $11,489,000 | 7,214 |
| Average earning assets | $10,111,330 | 7,199 |
| Average equity | $1,711,000 | 7,143 |
| Average total loans | $5,431,330 | 7,145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 4,375 |
| Cost of funding earning assets | 0.4876% | 5,882 |
| Net interest margin | 3.9005% | 2,918 |
| Noninterest income to average assets | 0.2845% | 5,597 |
| Noninterest expense to average assets | 5.4775% | 271 |
| Loan and lease loss provision to assets | 0.0711% | 4,512 |
| Net operating income to assets | -1.8495% | 7,140 |
| Return on assets (ROA) | -1.8495% | 7,143 |
| Pretax return on assets | -1.8495% | 7,120 |
| Return on Equity (ROE) | -12.2245% | 7,028 |
| Retained earnings to average equity (ytd only) | -12.2245% | 6,906 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.0769% | 112 |
| Assets per employee ($millions) | 1.7164% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,871 |
| Loan loss allowance to noncurrent loans | 60.8247% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.0462% | 1,911 |
| Noncurrent loans to loans | 1.8250% | 3,372 |
| Net loans and leases to total assets | 43.7453% | 6,040 |
| Net loans and leases to deposits | 50.9697% | 6,073 |
| Net loans and leases to core deposits | 50.9697% | 6,276 |
| Total domestic deposits to total assets | 85.8261% | 3,627 |
| Equity capital to assets | 13.9076% | 1,053 |
| Core capital (leverage) ratio | 9.3531% | 4,275 |
| Tier 1 risk-based capital ratio | 17.2113% | 2,599 |
| Total risk-based capital ratio | 18.0984% | 2,693 |
| Memoranda: | ||
| Average total assets | $11,246,000 | 7,281 |
| Average earning assets | $9,845,000 | 7,264 |
| Average equity | $1,701,500 | 7,202 |
| Average total loans | $5,043,500 | 7,219 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 2,578 |
| Cost of funding earning assets | 0.6397% | 5,874 |
| Net interest margin | 4.4278% | 1,319 |
| Noninterest income to average assets | 0.3906% | 4,696 |
| Noninterest expense to average assets | 4.1992% | 810 |
| Loan and lease loss provision to assets | 0.0868% | 5,510 |
| Net operating income to assets | -0.0543% | 6,113 |
| Return on assets (ROA) | -0.0543% | 6,200 |
| Pretax return on assets | -0.0651% | 6,185 |
| Return on Equity (ROE) | -0.2893% | 6,191 |
| Retained earnings to average equity (ytd only) | -0.2893% | 5,903 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4859% | 693 |
| Assets per employee ($millions) | 1.3096% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 5,417 |
| Loan loss allowance to noncurrent loans | 78.0822% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 3.2643% | 1,824 |
| Noncurrent loans to loans | 1.5298% | 3,855 |
| Net loans and leases to total assets | 45.0033% | 6,113 |
| Net loans and leases to deposits | 54.0897% | 6,060 |
| Net loans and leases to core deposits | 54.0897% | 6,300 |
| Total domestic deposits to total assets | 83.2013% | 4,667 |
| Equity capital to assets | 16.5314% | 510 |
| Core capital (leverage) ratio | 13.1224% | 1,094 |
| Tier 1 risk-based capital ratio | 20.6570% | 1,489 |
| Total risk-based capital ratio | 21.6747% | 1,509 |
| Memoranda: | ||
| Average total assets | $9,216,000 | 7,340 |
| Average earning assets | $7,972,400 | 7,331 |
| Average equity | $1,728,600 | 7,249 |
| Average total loans | $4,309,400 | 7,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 2,042 |
| Cost of funding earning assets | 0.6753% | 5,907 |
| Net interest margin | 4.5710% | 1,005 |
| Noninterest income to average assets | 0.4194% | 4,520 |
| Noninterest expense to average assets | 4.2243% | 777 |
| Loan and lease loss provision to assets | 0.1048% | 5,134 |
| Net operating income to assets | 0.0599% | 6,050 |
| Return on assets (ROA) | 0.0599% | 6,157 |
| Pretax return on assets | 0.0449% | 6,166 |
| Return on Equity (ROE) | 0.3085% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.3085% | 5,857 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5753% | 789 |
| Assets per employee ($millions) | 1.8076% | 7,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,140 |
| Loan loss allowance to noncurrent loans | 933.3333% | 392 |
| Noncurrent assets plus other real estate owned to assets | 2.8214% | 2,300 |
| Noncurrent loans to loans | 0.1363% | 6,597 |
| Net loans and leases to total assets | 48.0859% | 5,941 |
| Net loans and leases to deposits | 59.6650% | 5,669 |
| Net loans and leases to core deposits | 59.6650% | 6,015 |
| Total domestic deposits to total assets | 80.5931% | 5,569 |
| Equity capital to assets | 19.3074% | 295 |
| Core capital (leverage) ratio | 13.7988% | 952 |
| Tier 1 risk-based capital ratio | 22.4015% | 1,227 |
| Total risk-based capital ratio | 23.4774% | 1,227 |
| Memoranda: | ||
| Average total assets | $8,900,750 | 7,422 |
| Average earning assets | $7,700,500 | 7,409 |
| Average equity | $1,727,750 | 7,322 |
| Average total loans | $4,193,750 | 7,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 2,634 |
| Cost of funding earning assets | 0.6778% | 6,083 |
| Net interest margin | 4.4319% | 1,290 |
| Noninterest income to average assets | 0.4291% | 4,431 |
| Noninterest expense to average assets | 3.7945% | 1,354 |
| Loan and lease loss provision to assets | 0.1355% | 4,614 |
| Net operating income to assets | 0.3614% | 5,121 |
| Return on assets (ROA) | 0.3614% | 5,264 |
| Pretax return on assets | 0.3388% | 5,576 |
| Return on Equity (ROE) | 1.8583% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.8583% | 5,054 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 1,335 |
| Assets per employee ($millions) | 1.5102% | 7,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,365 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 221 |
| Noncurrent assets plus other real estate owned to assets | 2.7811% | 2,406 |
| Noncurrent loans to loans | 0.0676% | 6,812 |
| Net loans and leases to total assets | 48.3611% | 6,018 |
| Net loans and leases to deposits | 60.0933% | 5,716 |
| Net loans and leases to core deposits | 60.0933% | 6,082 |
| Total domestic deposits to total assets | 80.4768% | 5,684 |
| Equity capital to assets | 19.2363% | 304 |
| Core capital (leverage) ratio | 13.7136% | 940 |
| Tier 1 risk-based capital ratio | 21.8310% | 1,285 |
| Total risk-based capital ratio | 22.8503% | 1,287 |
| Memoranda: | ||
| Average total assets | $8,855,000 | 7,498 |
| Average earning assets | $7,671,670 | 7,484 |
| Average equity | $1,722,000 | 7,396 |
| Average total loans | $4,124,330 | 7,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 3,228 |
| Cost of funding earning assets | 0.7254% | 6,000 |
| Net interest margin | 4.2487% | 1,748 |
| Noninterest income to average assets | 0.4113% | 4,614 |
| Noninterest expense to average assets | 4.6161% | 527 |
| Loan and lease loss provision to assets | 0.1371% | 4,296 |
| Net operating income to assets | -0.5484% | 6,833 |
| Return on assets (ROA) | -0.5484% | 6,835 |
| Pretax return on assets | -0.5941% | 6,813 |
| Return on Equity (ROE) | -2.8046% | 6,645 |
| Retained earnings to average equity (ytd only) | -2.8046% | 6,264 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9890% | 480 |
| Assets per employee ($millions) | 1.8000% | 7,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 4,688 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 3.0333% | 2,277 |
| Noncurrent loans to loans | 0.6439% | 5,742 |
| Net loans and leases to total assets | 40.8333% | 6,714 |
| Net loans and leases to deposits | 50.5155% | 6,585 |
| Net loans and leases to core deposits | 50.5155% | 6,753 |
| Total domestic deposits to total assets | 80.8333% | 5,710 |
| Equity capital to assets | 18.9556% | 309 |
| Core capital (leverage) ratio | 13.4314% | 988 |
| Tier 1 risk-based capital ratio | 23.7997% | 991 |
| Total risk-based capital ratio | 24.8758% | 990 |
| Memoranda: | ||
| Average total assets | $8,752,000 | 7,557 |
| Average earning assets | $7,720,000 | 7,543 |
| Average equity | $1,711,500 | 7,445 |
| Average total loans | $3,968,000 | 7,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 4,127 |
| Cost of funding earning assets | 0.8442% | 6,385 |
| Net interest margin | 4.2473% | 2,007 |
| Noninterest income to average assets | 0.4273% | 4,694 |
| Noninterest expense to average assets | 3.8457% | 1,405 |
| Loan and lease loss provision to assets | 0.1270% | 5,893 |
| Net operating income to assets | 0.1386% | 5,477 |
| Return on assets (ROA) | 0.1386% | 5,627 |
| Pretax return on assets | 0.1732% | 5,549 |
| Return on Equity (ROE) | 0.6946% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.6946% | 5,218 |
| Net charge-offs to loans | -0.0255% | 7,387 |
| Credit loss provision to net charge-offs | -1,100.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7577% | 1,132 |
| Assets per employee ($millions) | 1.7008% | 7,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,668 |
| Loan loss allowance to noncurrent loans | 17.8832% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 3.2220% | 2,195 |
| Noncurrent loans to loans | 6.5099% | 919 |
| Net loans and leases to total assets | 48.9182% | 6,281 |
| Net loans and leases to deposits | 61.4930% | 5,897 |
| Net loans and leases to core deposits | 61.4930% | 6,277 |
| Total domestic deposits to total assets | 79.5508% | 5,955 |
| Equity capital to assets | 20.1905% | 252 |
| Core capital (leverage) ratio | 14.1776% | 811 |
| Tier 1 risk-based capital ratio | 23.6564% | 965 |
| Total risk-based capital ratio | 24.6539% | 972 |
| Memoranda: | ||
| Average total assets | $8,659,000 | 7,639 |
| Average earning assets | $7,581,200 | 7,623 |
| Average equity | $1,727,600 | 7,552 |
| Average total loans | $3,923,600 | 7,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 4,821 |
| Cost of funding earning assets | 0.8095% | 6,732 |
| Net interest margin | 4.1886% | 2,256 |
| Noninterest income to average assets | 0.4292% | 4,724 |
| Noninterest expense to average assets | 3.7864% | 1,394 |
| Loan and lease loss provision to assets | 0.1227% | 5,802 |
| Net operating income to assets | 0.1687% | 5,595 |
| Return on assets (ROA) | 0.1687% | 5,752 |
| Pretax return on assets | 0.1687% | 5,799 |
| Return on Equity (ROE) | 0.8479% | 5,932 |
| Retained earnings to average equity (ytd only) | 0.8479% | 5,463 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 1,068 |
| Assets per employee ($millions) | 1.7166% | 7,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,734 |
| Loan loss allowance to noncurrent loans | 16.4234% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 3.1924% | 2,247 |
| Noncurrent loans to loans | 6.9685% | 814 |
| Net loans and leases to total assets | 45.2872% | 6,753 |
| Net loans and leases to deposits | 57.3642% | 6,517 |
| Net loans and leases to core deposits | 57.3642% | 6,772 |
| Total domestic deposits to total assets | 78.9468% | 6,035 |
| Equity capital to assets | 20.3542% | 267 |
| Core capital (leverage) ratio | 14.1776% | 887 |
| Tier 1 risk-based capital ratio | 24.7761% | 870 |
| Total risk-based capital ratio | 25.7356% | 880 |
| Memoranda: | ||
| Average total assets | $8,697,750 | 7,740 |
| Average earning assets | $7,576,000 | 7,727 |
| Average equity | $1,730,250 | 7,650 |
| Average total loans | $3,852,250 | 7,678 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 4,561 |
| Cost of funding earning assets | 0.8551% | 6,741 |
| Net interest margin | 4.2235% | 2,076 |
| Noninterest income to average assets | 0.4350% | 4,651 |
| Noninterest expense to average assets | 3.9148% | 1,163 |
| Loan and lease loss provision to assets | 0.1145% | 5,759 |
| Net operating income to assets | 0.1374% | 5,761 |
| Return on assets (ROA) | 0.1374% | 5,874 |
| Pretax return on assets | 0.1374% | 5,906 |
| Return on Equity (ROE) | 0.6958% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.6958% | 5,484 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9560% | 1,069 |
| Assets per employee ($millions) | 1.4670% | 7,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,037 |
| Loan loss allowance to noncurrent loans | 15.2727% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 3.1243% | 2,266 |
| Noncurrent loans to loans | 7.0730% | 799 |
| Net loans and leases to total assets | 43.6946% | 6,946 |
| Net loans and leases to deposits | 56.5173% | 6,684 |
| Net loans and leases to core deposits | 56.5173% | 6,911 |
| Total domestic deposits to total assets | 77.3120% | 6,429 |
| Equity capital to assets | 19.7796% | 296 |
| Core capital (leverage) ratio | 13.6337% | 1,022 |
| Tier 1 risk-based capital ratio | 24.9299% | 849 |
| Total risk-based capital ratio | 25.8357% | 866 |
| Memoranda: | ||
| Average total assets | $8,736,000 | 7,808 |
| Average earning assets | $7,718,670 | 7,793 |
| Average equity | $1,724,670 | 7,712 |
| Average total loans | $3,825,670 | 7,748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 3,425 |
| Cost of funding earning assets | 0.9917% | 6,417 |
| Net interest margin | 4.3322% | 1,586 |
| Noninterest income to average assets | 0.4137% | 4,778 |
| Noninterest expense to average assets | 4.8259% | 420 |
| Loan and lease loss provision to assets | 0.0919% | 5,715 |
| Net operating income to assets | -0.6894% | 6,951 |
| Return on assets (ROA) | -0.6894% | 6,976 |
| Pretax return on assets | -0.6894% | 6,892 |
| Return on Equity (ROE) | -3.4955% | 6,778 |
| Retained earnings to average equity (ytd only) | -3.4955% | 6,430 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1304% | 528 |
| Assets per employee ($millions) | 1.2733% | 7,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 6,224 |
| Loan loss allowance to noncurrent loans | 14.1304% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 3.0966% | 2,308 |
| Noncurrent loans to loans | 7.4333% | 772 |
| Net loans and leases to total assets | 41.2207% | 7,165 |
| Net loans and leases to deposits | 51.2127% | 7,069 |
| Net loans and leases to core deposits | 51.2127% | 7,238 |
| Total domestic deposits to total assets | 80.4892% | 5,619 |
| Equity capital to assets | 19.1630% | 333 |
| Core capital (leverage) ratio | 13.7210% | 1,023 |
| Tier 1 risk-based capital ratio | 24.6418% | 904 |
| Total risk-based capital ratio | 25.4885% | 922 |
| Memoranda: | ||
| Average total assets | $8,703,000 | 7,910 |
| Average earning assets | $7,663,500 | 7,896 |
| Average equity | $1,716,500 | 7,801 |
| Average total loans | $3,794,500 | 7,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 7,124 |
| Cost of funding earning assets | 0.9557% | 7,294 |
| Net interest margin | 3.7546% | 3,891 |
| Noninterest income to average assets | 0.3868% | 5,319 |
| Noninterest expense to average assets | 4.5573% | 752 |
| Loan and lease loss provision to assets | 0.0604% | 6,957 |
| Net operating income to assets | -0.4231% | 6,100 |
| Return on assets (ROA) | -0.4231% | 6,101 |
| Pretax return on assets | -0.9066% | 6,347 |
| Return on Equity (ROE) | -2.0637% | 5,867 |
| Retained earnings to average equity (ytd only) | -2.0637% | 5,530 |
| Net charge-offs to loans | 0.6155% | 3,368 |
| Credit loss provision to net charge-offs | 22.7273% | 6,931 |
| Earnings coverage of net charge-offs (x) | -3.1818% | 7,065 |
| Efficiency ratio | 114.0065% | 709 |
| Assets per employee ($millions) | 1.4155% | 7,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,617 |
| Loan loss allowance to noncurrent loans | 13.3574% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 3.2615% | 2,104 |
| Noncurrent loans to loans | 7.1465% | 771 |
| Net loans and leases to total assets | 45.2019% | 7,039 |
| Net loans and leases to deposits | 57.0007% | 6,854 |
| Net loans and leases to core deposits | 63.6123% | 7,111 |
| Total domestic deposits to total assets | 79.3006% | 5,901 |
| Equity capital to assets | 20.3108% | 279 |
| Core capital (leverage) ratio | 14.3463% | 917 |
| Tier 1 risk-based capital ratio | 24.7152% | 879 |
| Total risk-based capital ratio | 25.5104% | 898 |
| Memoranda: | ||
| Average total assets | $8,272,400 | 7,989 |
| Average earning assets | $7,324,400 | 7,979 |
| Average equity | $1,696,000 | 7,896 |
| Average total loans | $3,574,400 | 7,932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 7,606 |
| Cost of funding earning assets | 1.0046% | 7,378 |
| Net interest margin | 3.3974% | 5,277 |
| Noninterest income to average assets | 0.3894% | 5,388 |
| Noninterest expense to average assets | 5.0624% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -1.6551% | 7,178 |
| Return on assets (ROA) | -1.6551% | 7,174 |
| Pretax return on assets | -1.6551% | 7,027 |
| Return on Equity (ROE) | -8.0533% | 6,735 |
| Retained earnings to average equity (ytd only) | -8.0533% | 6,608 |
| Net charge-offs to loans | 0.0763% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -50.9363% | 6,962 |
| Efficiency ratio | 135.7143% | 413 |
| Assets per employee ($millions) | 1.1787% | 8,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,139 |
| Loan loss allowance to noncurrent loans | 17.3913% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 3.6238% | 1,817 |
| Noncurrent loans to loans | 7.8457% | 631 |
| Net loans and leases to total assets | 45.5581% | 7,138 |
| Net loans and leases to deposits | 57.1103% | 7,020 |
| Net loans and leases to core deposits | 62.8385% | 7,293 |
| Total domestic deposits to total assets | 79.7721% | 5,532 |
| Equity capital to assets | 20.0097% | 339 |
| Core capital (leverage) ratio | 13.7611% | 1,151 |
| Tier 1 risk-based capital ratio | 24.2011% | 982 |
| Total risk-based capital ratio | 25.3631% | 968 |
| Memoranda: | ||
| Average total assets | $8,217,250 | 8,074 |
| Average earning assets | $7,299,500 | 8,064 |
| Average equity | $1,688,750 | 7,982 |
| Average total loans | $3,499,000 | 8,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 7,882 |
| Cost of funding earning assets | 1.0470% | 7,471 |
| Net interest margin | 3.0307% | 6,462 |
| Noninterest income to average assets | 0.3900% | 5,379 |
| Noninterest expense to average assets | 5.2157% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.1448% | 7,466 |
| Return on assets (ROA) | -2.1448% | 7,462 |
| Pretax return on assets | -2.1448% | 7,329 |
| Return on Equity (ROE) | -10.3448% | 7,062 |
| Retained earnings to average equity (ytd only) | -10.3448% | 6,906 |
| Net charge-offs to loans | 0.1178% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -44.0000% | 6,592 |
| Efficiency ratio | 155.5556% | 344 |
| Assets per employee ($millions) | 1.1809% | 8,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 3,299 |
| Loan loss allowance to noncurrent loans | 15.7100% | 7,346 |
| Noncurrent assets plus other real estate owned to assets | 4.0044% | 1,484 |
| Noncurrent loans to loans | 9.4302% | 392 |
| Net loans and leases to total assets | 41.8340% | 7,455 |
| Net loans and leases to deposits | 52.3781% | 7,362 |
| Net loans and leases to core deposits | 57.6141% | 7,533 |
| Total domestic deposits to total assets | 79.8693% | 5,521 |
| Equity capital to assets | 19.9250% | 388 |
| Core capital (leverage) ratio | 13.6517% | 1,228 |
| Tier 1 risk-based capital ratio | 25.2551% | 918 |
| Total risk-based capital ratio | 26.4610% | 905 |
| Memoranda: | ||
| Average total assets | $8,206,000 | 8,168 |
| Average earning assets | $7,259,000 | 8,158 |
| Average equity | $1,701,330 | 8,056 |
| Average total loans | $3,395,000 | 8,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 7,669 |
| Cost of funding earning assets | 1.0545% | 7,591 |
| Net interest margin | 3.4966% | 4,749 |
| Noninterest income to average assets | 0.4403% | 4,870 |
| Noninterest expense to average assets | 4.6477% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.1252% | 7,319 |
| Return on assets (ROA) | -1.1252% | 7,330 |
| Pretax return on assets | -1.1252% | 7,211 |
| Return on Equity (ROE) | -5.3225% | 7,002 |
| Retained earnings to average equity (ytd only) | -5.3225% | 6,597 |
| Net charge-offs to loans | 0.2397% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -11.5000% | 5,629 |
| Efficiency ratio | 119.4444% | 641 |
| Assets per employee ($millions) | 1.1924% | 8,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 2,672 |
| Loan loss allowance to noncurrent loans | 16.8285% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 3.7019% | 1,430 |
| Noncurrent loans to loans | 9.3016% | 336 |
| Net loans and leases to total assets | 39.1758% | 7,605 |
| Net loans and leases to deposits | 49.4032% | 7,521 |
| Net loans and leases to core deposits | 54.3280% | 7,670 |
| Total domestic deposits to total assets | 79.2980% | 5,606 |
| Equity capital to assets | 20.5223% | 390 |
| Core capital (leverage) ratio | 14.5677% | 1,067 |
| Tier 1 risk-based capital ratio | 26.8987% | 825 |
| Total risk-based capital ratio | 28.1213% | 809 |
| Memoranda: | ||
| Average total assets | $8,176,000 | 8,217 |
| Average earning assets | $7,207,000 | 8,205 |
| Average equity | $1,728,500 | 8,108 |
| Average total loans | $3,337,500 | 8,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8639% | 8,265 |
| Cost of funding earning assets | 0.1872% | 8,245 |
| Net interest margin | 0.6767% | 8,252 |
| Noninterest income to average assets | 0.0668% | 7,815 |
| Noninterest expense to average assets | 0.7080% | 8,242 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1202% | 6,522 |
| Return on assets (ROA) | -0.1202% | 6,375 |
| Pretax return on assets | -0.0134% | 6,172 |
| Return on Equity (ROE) | -0.7483% | 6,330 |
| Retained earnings to average equity (ytd only) | -0.7483% | 5,527 |
| Net charge-offs to loans | 0.0245% | 6,501 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 6,592 |
| Efficiency ratio | 90.3846% | 1,483 |
| Assets per employee ($millions) | 1.3342% | 8,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,200 |
| Loan loss allowance to noncurrent loans | 17.4194% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 3.9975% | 1,028 |
| Noncurrent loans to loans | 9.2455% | 246 |
| Net loans and leases to total assets | 41.2117% | 7,619 |
| Net loans and leases to deposits | 52.8601% | 7,497 |
| Net loans and leases to core deposits | 57.4639% | 7,688 |
| Total domestic deposits to total assets | 77.9638% | 5,727 |
| Equity capital to assets | 21.7864% | 361 |
| Core capital (leverage) ratio | 16.5477% | 753 |
| Tier 1 risk-based capital ratio | 27.6281% | 779 |
| Total risk-based capital ratio | 28.8677% | 764 |
| Memoranda: | ||
| Average total assets | $7,485,800 | 8,278 |
| Average earning assets | $6,945,400 | 8,265 |
| Average equity | $1,202,800 | 8,250 |
| Average total loans | $4,086,600 | 8,190 |