Home > The First National Bank at St. James > Performance and Condition Ratios
The First National Bank at St. James, Performance and Condition Ratios
| 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 | 5.9432% | 1,340 |
| Cost of funding earning assets | 1.3283% | 3,629 |
| Net interest margin | 4.6148% | 548 |
| Noninterest income to average assets | 0.7600% | 965 |
| Noninterest expense to average assets | 4.1265% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6638% | 3,066 |
| Return on assets (ROA) | 0.6908% | 3,030 |
| Pretax return on assets | 0.8407% | 2,943 |
| Return on Equity (ROE) | 8.9300% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.1526% | 2,406 |
| Net charge-offs to loans | 0.1440% | 762 |
| Credit loss provision to net charge-offs | 3.8462% | 2,232 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 2,209 |
| Efficiency ratio | 83.5677% | 846 |
| Assets per employee ($millions) | 3.2921% | 4,275 |
| Cash dividends to net income (ytd only)* | 42.3280% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,490 |
| Loan loss allowance to noncurrent loans | 2,630.7692% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,487 |
| Noncurrent loans to loans | 0.0516% | 3,444 |
| Net loans and leases to total assets | 68.5900% | 2,004 |
| Net loans and leases to deposits | 74.7952% | 2,624 |
| Net loans and leases to core deposits | 77.2518% | 3,002 |
| Total domestic deposits to total assets | 91.7000% | 229 |
| Equity capital to assets | 8.0772% | 3,661 |
| Core capital (leverage) ratio | 8.4901% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8622% | 1,955 |
| Memoranda: | ||
| Average total assets | $36,478,500 | 4,354 |
| Average earning assets | $33,023,000 | 4,335 |
| Average equity | $2,820,500 | 4,408 |
| Average total loans | $24,078,000 | 4,190 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8297% | 1,414 |
| Cost of funding earning assets | 1.2828% | 3,653 |
| Net interest margin | 4.5469% | 586 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 4.1677% | 330 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.5375% | 3,334 |
| Return on assets (ROA) | 0.4813% | 3,514 |
| Pretax return on assets | 0.6235% | 3,401 |
| Return on Equity (ROE) | 6.3200% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.3181% | 1,896 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 85.6180% | 764 |
| Assets per employee ($millions) | 2.9833% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 920 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,221 |
| Noncurrent loans to loans | 0.0979% | 3,154 |
| Net loans and leases to total assets | 64.6000% | 2,489 |
| Net loans and leases to deposits | 70.3183% | 2,965 |
| Net loans and leases to core deposits | 72.0624% | 3,268 |
| Total domestic deposits to total assets | 91.8700% | 285 |
| Equity capital to assets | 7.9358% | 3,473 |
| Core capital (leverage) ratio | 8.3191% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7002% | 1,619 |
| Memoranda: | ||
| Average total assets | $36,567,000 | 4,376 |
| Average earning assets | $33,209,333 | 4,355 |
| Average equity | $2,785,667 | 4,424 |
| Average total loans | $23,710,667 | 4,214 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6880% | 1,488 |
| Cost of funding earning assets | 1.2350% | 3,667 |
| Net interest margin | 4.4530% | 620 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 3.9945% | 365 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.5635% | 3,245 |
| Return on assets (ROA) | 0.5196% | 3,368 |
| Pretax return on assets | 0.6387% | 3,310 |
| Return on Equity (ROE) | 6.9600% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.9616% | 1,844 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.0230% | 835 |
| Assets per employee ($millions) | 2.8608% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 897 |
| Loan loss allowance to noncurrent loans | 1,752.3810% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,287 |
| Noncurrent loans to loans | 0.0900% | 3,163 |
| Net loans and leases to total assets | 61.7200% | 2,699 |
| Net loans and leases to deposits | 66.8287% | 3,119 |
| Net loans and leases to core deposits | 68.4060% | 3,409 |
| Total domestic deposits to total assets | 92.3600% | 276 |
| Equity capital to assets | 7.4776% | 3,690 |
| Core capital (leverage) ratio | 8.0594% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3753% | 1,745 |
| Memoranda: | ||
| Average total assets | $36,950,500 | 4,402 |
| Average earning assets | $33,685,000 | 4,377 |
| Average equity | $2,758,000 | 4,451 |
| Average total loans | $23,818,500 | 4,235 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 1,832 |
| Cost of funding earning assets | 0.9083% | 3,507 |
| Net interest margin | 4.2040% | 929 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 3.8251% | 420 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.3699% | 3,924 |
| Return on assets (ROA) | 0.4433% | 3,784 |
| Pretax return on assets | 0.6079% | 3,615 |
| Return on Equity (ROE) | 6.4400% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.3613% | 2,107 |
| Net charge-offs to loans | 0.0088% | 2,329 |
| Credit loss provision to net charge-offs | 2,850.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 802 |
| Efficiency ratio | 85.1655% | 602 |
| Assets per employee ($millions) | 2.8238% | 4,405 |
| Cash dividends to net income (ytd only)* | 1.1976% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,019 |
| Loan loss allowance to noncurrent loans | 2,293.7500% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,312 |
| Noncurrent loans to loans | 0.0658% | 3,241 |
| Net loans and leases to total assets | 65.2300% | 2,339 |
| Net loans and leases to deposits | 72.6878% | 2,716 |
| Net loans and leases to core deposits | 74.4713% | 3,050 |
| Total domestic deposits to total assets | 89.7400% | 829 |
| Equity capital to assets | 7.4503% | 3,747 |
| Core capital (leverage) ratio | 7.9878% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9213% | 1,890 |
| Memoranda: | ||
| Average total assets | $37,672,600 | 4,415 |
| Average earning assets | $33,801,000 | 4,389 |
| Average equity | $2,593,800 | 4,452 |
| Average total loans | $22,842,000 | 4,254 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 1,834 |
| Cost of funding earning assets | 0.8358% | 3,436 |
| Net interest margin | 4.1591% | 979 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 3.6398% | 471 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.3080% | 4,108 |
| Return on assets (ROA) | 0.3024% | 4,118 |
| Pretax return on assets | 0.5627% | 3,802 |
| Return on Equity (ROE) | 4.4800% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.3775% | 3,157 |
| Net charge-offs to loans | 0.0178% | 1,779 |
| Credit loss provision to net charge-offs | 1,900.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 1,094 |
| Efficiency ratio | 82.5359% | 694 |
| Assets per employee ($millions) | 3.3551% | 4,349 |
| Cash dividends to net income (ytd only)* | 2.3256% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 984 |
| Loan loss allowance to noncurrent loans | 703.8462% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 2,627 |
| Noncurrent loans to loans | 0.2205% | 2,469 |
| Net loans and leases to total assets | 62.9200% | 2,574 |
| Net loans and leases to deposits | 69.1275% | 2,903 |
| Net loans and leases to core deposits | 70.7815% | 3,176 |
| Total domestic deposits to total assets | 91.0200% | 665 |
| Equity capital to assets | 6.9555% | 3,632 |
| Core capital (leverage) ratio | 7.6245% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6641% | 2,026 |
| Memoranda: | ||
| Average total assets | $37,913,250 | 4,430 |
| Average earning assets | $33,820,250 | 4,412 |
| Average equity | $2,558,500 | 4,476 |
| Average total loans | $22,474,000 | 4,280 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 2,041 |
| Cost of funding earning assets | 0.7337% | 3,396 |
| Net interest margin | 4.0442% | 1,166 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 3.6289% | 469 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.4077% | 3,995 |
| Return on assets (ROA) | 0.4549% | 3,911 |
| Pretax return on assets | 0.5543% | 3,879 |
| Return on Equity (ROE) | 6.8100% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.6519% | 2,394 |
| Net charge-offs to loans | 0.0090% | 1,866 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 828 |
| Efficiency ratio | 84.7375% | 557 |
| Assets per employee ($millions) | 3.4468% | 4,357 |
| Cash dividends to net income (ytd only)* | 2.2989% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 1,121 |
| Loan loss allowance to noncurrent loans | 1,794.7368% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,278 |
| Noncurrent loans to loans | 0.0846% | 3,085 |
| Net loans and leases to total assets | 58.3200% | 2,932 |
| Net loans and leases to deposits | 62.6324% | 3,268 |
| Net loans and leases to core deposits | 64.0511% | 3,446 |
| Total domestic deposits to total assets | 93.1200% | 236 |
| Equity capital to assets | 6.8126% | 3,881 |
| Core capital (leverage) ratio | 7.5111% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8338% | 1,967 |
| Memoranda: | ||
| Average total assets | $38,249,000 | 4,450 |
| Average earning assets | $34,073,667 | 4,435 |
| Average equity | $2,555,667 | 4,504 |
| Average total loans | $22,102,667 | 4,300 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 2,104 |
| Cost of funding earning assets | 0.5975% | 3,392 |
| Net interest margin | 3.9953% | 1,271 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.2382% | 760 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.6976% | 3,474 |
| Return on assets (ROA) | 0.8330% | 3,039 |
| Pretax return on assets | 0.8122% | 3,442 |
| Return on Equity (ROE) | 12.5900% | 2,083 |
| Retained earnings to average equity (ytd only) | 12.5885% | 1,166 |
| Net charge-offs to loans | 0.0365% | 1,004 |
| Credit loss provision to net charge-offs | 1,300.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,134 |
| Efficiency ratio | 77.3632% | 1,061 |
| Assets per employee ($millions) | 3.2623% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 1,190 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,325 |
| Noncurrent loans to loans | 0.0816% | 3,160 |
| Net loans and leases to total assets | 55.4700% | 3,072 |
| Net loans and leases to deposits | 59.4286% | 3,373 |
| Net loans and leases to core deposits | 60.7214% | 3,507 |
| Total domestic deposits to total assets | 93.3500% | 251 |
| Equity capital to assets | 6.6057% | 3,998 |
| Core capital (leverage) ratio | 7.3630% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8075% | 2,044 |
| Memoranda: | ||
| Average total assets | $38,416,000 | 4,516 |
| Average earning assets | $34,140,500 | 4,498 |
| Average equity | $2,542,000 | 4,567 |
| Average total loans | $21,927,000 | 4,363 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 2,220 |
| Cost of funding earning assets | 0.2669% | 3,186 |
| Net interest margin | 3.5532% | 1,775 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 3.6170% | 445 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.2681% | 4,398 |
| Return on assets (ROA) | 0.0604% | 4,521 |
| Pretax return on assets | 0.0686% | 4,514 |
| Return on Equity (ROE) | 0.8700% | 4,499 |
| Retained earnings to average equity (ytd only) | 0.8323% | 4,228 |
| Net charge-offs to loans | 0.6686% | 104 |
| Credit loss provision to net charge-offs | 56.2963% | 1,795 |
| Earnings coverage of net charge-offs (x) | 1.3852% | 2,541 |
| Efficiency ratio | 87.5748% | 373 |
| Assets per employee ($millions) | 4.1871% | 4,208 |
| Cash dividends to net income (ytd only)* | 4.5455% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 1,931 |
| Loan loss allowance to noncurrent loans | 2,014.2857% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,428 |
| Noncurrent loans to loans | 0.0642% | 3,283 |
| Net loans and leases to total assets | 57.1000% | 2,909 |
| Net loans and leases to deposits | 63.1426% | 3,102 |
| Net loans and leases to core deposits | 64.6119% | 3,228 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 6.6288% | 3,850 |
| Core capital (leverage) ratio | 7.3804% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7797% | 2,062 |
| Memoranda: | ||
| Average total assets | $36,439,200 | 4,561 |
| Average earning assets | $32,590,600 | 4,544 |
| Average equity | $2,523,000 | 4,643 |
| Average total loans | $20,191,200 | 4,415 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 2,158 |
| Cost of funding earning assets | 0.2469% | 2,739 |
| Net interest margin | 3.4151% | 1,931 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.6905% | 407 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.1785% | 4,492 |
| Return on assets (ROA) | -0.1439% | 4,611 |
| Pretax return on assets | -0.1587% | 4,610 |
| Return on Equity (ROE) | -2.0600% | 4,621 |
| Retained earnings to average equity (ytd only) | -2.1086% | 4,492 |
| Net charge-offs to loans | 0.8894% | 59 |
| Credit loss provision to net charge-offs | 37.8788% | 1,575 |
| Earnings coverage of net charge-offs (x) | 0.7803% | 2,288 |
| Efficiency ratio | 90.6618% | 302 |
| Assets per employee ($millions) | 3.7213% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 1,988 |
| Loan loss allowance to noncurrent loans | 1,850.0000% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,539 |
| Noncurrent loans to loans | 0.0707% | 3,370 |
| Net loans and leases to total assets | 52.5000% | 3,237 |
| Net loans and leases to deposits | 56.0819% | 3,472 |
| Net loans and leases to core deposits | 56.5249% | 3,596 |
| Total domestic deposits to total assets | 93.6000% | 438 |
| Equity capital to assets | 6.3822% | 3,800 |
| Core capital (leverage) ratio | 7.3795% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4087% | 1,898 |
| Memoranda: | ||
| Average total assets | $36,128,000 | 4,601 |
| Average earning assets | $32,404,500 | 4,583 |
| Average equity | $2,529,250 | 4,682 |
| Average total loans | $19,788,750 | 4,449 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 1,935 |
| Cost of funding earning assets | 0.2496% | 2,278 |
| Net interest margin | 3.3197% | 1,854 |
| Noninterest income to average assets | 1.1184% | 540 |
| Noninterest expense to average assets | 3.8192% | 318 |
| Loan and lease loss provision to assets | 0.0168% | 2,302 |
| Net operating income to assets | 0.1510% | 4,473 |
| Return on assets (ROA) | -0.2516% | 4,620 |
| Pretax return on assets | -0.1454% | 4,588 |
| Return on Equity (ROE) | -3.4875% | 4,653 |
| Retained earnings to average equity (ytd only) | -3.4875% | 4,479 |
| Net charge-offs to loans | 0.0101% | 1,609 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,167 |
| Efficiency ratio | 93.3060% | 310 |
| Assets per employee ($millions) | 3.9871% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 801 |
| Loan loss allowance to noncurrent loans | 267.1875% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 1,334 |
| Noncurrent loans to loans | 0.6786% | 1,273 |
| Net loans and leases to total assets | 51.6080% | 3,202 |
| Net loans and leases to deposits | 55.4279% | 3,426 |
| Net loans and leases to core deposits | 56.9062% | 3,497 |
| Total domestic deposits to total assets | 93.1083% | 493 |
| Equity capital to assets | 6.8777% | 3,831 |
| Core capital (leverage) ratio | 7.6444% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1943% | 1,657 |
| Memoranda: | ||
| Average total assets | $35,766,333 | 4,642 |
| Average earning assets | $32,051,333 | 4,642 |
| Average equity | $2,580,667 | 4,713 |
| Average total loans | $19,787,000 | 4,506 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 1,757 |
| Cost of funding earning assets | 0.2628% | 2,011 |
| Net interest margin | 3.2532% | 1,710 |
| Noninterest income to average assets | 0.6833% | 1,376 |
| Noninterest expense to average assets | 3.3158% | 524 |
| Loan and lease loss provision to assets | 0.0336% | 1,755 |
| Net operating income to assets | 0.2464% | 4,247 |
| Return on assets (ROA) | -0.1456% | 4,601 |
| Pretax return on assets | -0.1456% | 4,599 |
| Return on Equity (ROE) | -1.9719% | 4,636 |
| Retained earnings to average equity (ytd only) | -1.9719% | 4,243 |
| Net charge-offs to loans | 0.0198% | 1,137 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,202 |
| Efficiency ratio | 92.2118% | 454 |
| Assets per employee ($millions) | 3.3491% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 906 |
| Loan loss allowance to noncurrent loans | 196.0000% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 1,105 |
| Noncurrent loans to loans | 0.9091% | 1,013 |
| Net loans and leases to total assets | 51.3219% | 3,039 |
| Net loans and leases to deposits | 55.1981% | 3,326 |
| Net loans and leases to core deposits | 56.6298% | 3,402 |
| Total domestic deposits to total assets | 92.9777% | 279 |
| Equity capital to assets | 6.9381% | 4,237 |
| Core capital (leverage) ratio | 7.8133% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8623% | 1,851 |
| Memoranda: | ||
| Average total assets | $35,707,500 | 4,668 |
| Average earning assets | $31,968,500 | 4,669 |
| Average equity | $2,637,000 | 4,735 |
| Average total loans | $20,250,000 | 4,518 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 2,186 |
| Cost of funding earning assets | 0.4471% | 1,223 |
| Net interest margin | 3.2279% | 2,529 |
| Noninterest income to average assets | 1.2863% | 644 |
| Noninterest expense to average assets | 3.7355% | 375 |
| Loan and lease loss provision to assets | 0.0241% | 2,582 |
| Net operating income to assets | 0.3090% | 4,411 |
| Return on assets (ROA) | 0.3043% | 4,439 |
| Pretax return on assets | 0.3916% | 4,398 |
| Return on Equity (ROE) | 3.7600% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.7600% | 3,307 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8551% | 334 |
| Assets per employee ($millions) | 3.1432% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 1,244 |
| Loan loss allowance to noncurrent loans | 187.3626% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 1,097 |
| Noncurrent loans to loans | 0.8565% | 1,186 |
| Net loans and leases to total assets | 60.4743% | 2,115 |
| Net loans and leases to deposits | 67.2943% | 2,379 |
| Net loans and leases to core deposits | 69.2168% | 2,530 |
| Total domestic deposits to total assets | 89.8655% | 1,020 |
| Equity capital to assets | 7.8612% | 4,439 |
| Core capital (leverage) ratio | 8.3457% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1515% | 2,184 |
| Memoranda: | ||
| Average total assets | $33,195,000 | 4,722 |
| Average earning assets | $29,524,000 | 4,718 |
| Average equity | $2,686,200 | 4,776 |
| Average total loans | $18,772,000 | 4,589 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 2,399 |
| Cost of funding earning assets | 0.4974% | 1,059 |
| Net interest margin | 3.1577% | 2,866 |
| Noninterest income to average assets | 1.1567% | 853 |
| Noninterest expense to average assets | 3.6569% | 388 |
| Loan and lease loss provision to assets | 0.0335% | 2,328 |
| Net operating income to assets | 0.2326% | 4,594 |
| Return on assets (ROA) | 0.2395% | 4,612 |
| Pretax return on assets | 0.2841% | 4,603 |
| Return on Equity (ROE) | 2.9372% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.9372% | 3,928 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2211% | 269 |
| Assets per employee ($millions) | 2.9716% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 909 |
| Loan loss allowance to noncurrent loans | 577.9661% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 2,485 |
| Noncurrent loans to loans | 0.3133% | 2,662 |
| Net loans and leases to total assets | 56.5682% | 2,663 |
| Net loans and leases to deposits | 62.9631% | 2,960 |
| Net loans and leases to core deposits | 64.8625% | 3,056 |
| Total domestic deposits to total assets | 89.8434% | 844 |
| Equity capital to assets | 8.2538% | 4,382 |
| Core capital (leverage) ratio | 8.3277% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3784% | 1,522 |
| Memoranda: | ||
| Average total assets | $32,850,000 | 4,796 |
| Average earning assets | $29,218,750 | 4,791 |
| Average equity | $2,678,250 | 4,849 |
| Average total loans | $18,152,500 | 4,663 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 2,489 |
| Cost of funding earning assets | 0.5732% | 850 |
| Net interest margin | 3.0705% | 3,116 |
| Noninterest income to average assets | 1.1366% | 878 |
| Noninterest expense to average assets | 3.5376% | 446 |
| Loan and lease loss provision to assets | 0.0486% | 2,055 |
| Net operating income to assets | 0.2431% | 4,587 |
| Return on assets (ROA) | 0.2431% | 4,603 |
| Pretax return on assets | 0.2857% | 4,598 |
| Return on Equity (ROE) | 2.9944% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.9944% | 3,841 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3658% | 307 |
| Assets per employee ($millions) | 3.0459% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 721 |
| Loan loss allowance to noncurrent loans | 579.6610% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 2,671 |
| Noncurrent loans to loans | 0.3297% | 2,727 |
| Net loans and leases to total assets | 52.3862% | 3,305 |
| Net loans and leases to deposits | 57.0092% | 3,636 |
| Net loans and leases to core deposits | 58.6415% | 3,715 |
| Total domestic deposits to total assets | 91.8908% | 147 |
| Equity capital to assets | 7.9988% | 4,535 |
| Core capital (leverage) ratio | 8.0909% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9475% | 1,648 |
| Memoranda: | ||
| Average total assets | $32,904,000 | 4,826 |
| Average earning assets | $29,311,333 | 4,821 |
| Average equity | $2,671,667 | 4,883 |
| Average total loans | $17,926,000 | 4,706 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 2,234 |
| Cost of funding earning assets | 0.5797% | 966 |
| Net interest margin | 3.1743% | 2,775 |
| Noninterest income to average assets | 0.8465% | 1,475 |
| Noninterest expense to average assets | 3.2389% | 670 |
| Loan and lease loss provision to assets | 0.0368% | 2,284 |
| Net operating income to assets | 0.3533% | 4,443 |
| Return on assets (ROA) | 0.3313% | 4,512 |
| Pretax return on assets | 0.3681% | 4,530 |
| Return on Equity (ROE) | 4.0487% | 4,273 |
| Retained earnings to average equity (ytd only) | 4.0487% | 3,484 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2943% | 431 |
| Assets per employee ($millions) | 3.3414% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 683 |
| Loan loss allowance to noncurrent loans | 111.5894% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 753 |
| Noncurrent loans to loans | 1.7391% | 687 |
| Net loans and leases to total assets | 50.9607% | 3,540 |
| Net loans and leases to deposits | 55.7290% | 3,813 |
| Net loans and leases to core deposits | 58.5054% | 3,805 |
| Total domestic deposits to total assets | 91.4437% | 255 |
| Equity capital to assets | 7.9637% | 4,512 |
| Core capital (leverage) ratio | 8.4911% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9746% | 1,577 |
| Memoranda: | ||
| Average total assets | $32,603,500 | 4,852 |
| Average earning assets | $28,982,500 | 4,849 |
| Average equity | $2,667,500 | 4,906 |
| Average total loans | $17,942,000 | 4,729 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 507 |
| Cost of funding earning assets | 0.9731% | 660 |
| Net interest margin | 4.0084% | 959 |
| Noninterest income to average assets | 0.7802% | 1,588 |
| Noninterest expense to average assets | 4.1033% | 343 |
| Loan and lease loss provision to assets | 0.0299% | 4,026 |
| Net operating income to assets | 0.1261% | 4,651 |
| Return on assets (ROA) | 0.2257% | 4,600 |
| Pretax return on assets | 0.3287% | 4,510 |
| Return on Equity (ROE) | 2.5620% | 4,466 |
| Retained earnings to average equity (ytd only) | 1.6201% | 3,987 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6401% | 259 |
| Assets per employee ($millions) | 3.1793% | 4,764 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 847 |
| Loan loss allowance to noncurrent loans | 74.3875% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 494 |
| Noncurrent loans to loans | 2.4245% | 425 |
| Net loans and leases to total assets | 57.1981% | 3,177 |
| Net loans and leases to deposits | 64.9209% | 3,365 |
| Net loans and leases to core deposits | 69.2340% | 3,312 |
| Total domestic deposits to total assets | 88.1043% | 1,426 |
| Equity capital to assets | 8.4107% | 4,507 |
| Core capital (leverage) ratio | 8.6361% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7390% | 1,955 |
| Memoranda: | ||
| Average total assets | $30,122,200 | 4,873 |
| Average earning assets | $26,719,000 | 4,867 |
| Average equity | $2,654,200 | 4,928 |
| Average total loans | $20,213,800 | 4,710 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 409 |
| Cost of funding earning assets | 1.0555% | 631 |
| Net interest margin | 4.1513% | 806 |
| Noninterest income to average assets | 0.7810% | 1,574 |
| Noninterest expense to average assets | 4.1205% | 341 |
| Loan and lease loss provision to assets | 0.0168% | 4,120 |
| Net operating income to assets | 0.1979% | 4,600 |
| Return on assets (ROA) | 0.3007% | 4,494 |
| Pretax return on assets | 0.4623% | 4,356 |
| Return on Equity (ROE) | 3.3719% | 4,323 |
| Retained earnings to average equity (ytd only) | 3.3719% | 3,363 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1687% | 307 |
| Assets per employee ($millions) | 3.2552% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 882 |
| Loan loss allowance to noncurrent loans | 63.2692% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8603% | 392 |
| Noncurrent loans to loans | 2.6991% | 373 |
| Net loans and leases to total assets | 64.6380% | 2,685 |
| Net loans and leases to deposits | 74.3473% | 2,924 |
| Net loans and leases to core deposits | 79.7683% | 2,863 |
| Total domestic deposits to total assets | 86.9406% | 1,688 |
| Equity capital to assets | 9.1955% | 3,955 |
| Core capital (leverage) ratio | 9.0176% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2522% | 1,748 |
| Memoranda: | ||
| Average total assets | $29,704,500 | 4,905 |
| Average earning assets | $26,400,500 | 4,901 |
| Average equity | $2,649,250 | 4,957 |
| Average total loans | $20,637,500 | 4,731 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 533 |
| Cost of funding earning assets | 1.1455% | 617 |
| Net interest margin | 4.0922% | 1,130 |
| Noninterest income to average assets | 0.6970% | 1,744 |
| Noninterest expense to average assets | 4.1152% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0849% | 4,702 |
| Return on assets (ROA) | 0.2279% | 4,571 |
| Pretax return on assets | 0.4021% | 4,407 |
| Return on Equity (ROE) | 2.5813% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.5813% | 3,554 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8995% | 270 |
| Assets per employee ($millions) | 2.4914% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,233 |
| Loan loss allowance to noncurrent loans | 97.8916% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 920 |
| Noncurrent loans to loans | 1.5430% | 975 |
| Net loans and leases to total assets | 70.8800% | 1,896 |
| Net loans and leases to deposits | 81.2102% | 2,292 |
| Net loans and leases to core deposits | 86.9303% | 2,359 |
| Total domestic deposits to total assets | 87.2797% | 1,508 |
| Equity capital to assets | 8.9006% | 4,171 |
| Core capital (leverage) ratio | 8.8134% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6521% | 2,335 |
| Memoranda: | ||
| Average total assets | $29,840,333 | 4,932 |
| Average earning assets | $26,538,333 | 4,929 |
| Average equity | $2,634,333 | 4,990 |
| Average total loans | $21,094,667 | 4,750 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 537 |
| Cost of funding earning assets | 1.2612% | 632 |
| Net interest margin | 4.0538% | 1,240 |
| Noninterest income to average assets | 0.7648% | 1,415 |
| Noninterest expense to average assets | 4.2399% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0141% | 4,738 |
| Return on assets (ROA) | 0.0671% | 4,689 |
| Pretax return on assets | 0.2147% | 4,553 |
| Return on Equity (ROE) | 0.7631% | 4,655 |
| Retained earnings to average equity (ytd only) | 0.7631% | 3,801 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6361% | 306 |
| Assets per employee ($millions) | 2.2807% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,108 |
| Loan loss allowance to noncurrent loans | 68.5654% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 591 |
| Noncurrent loans to loans | 2.3121% | 544 |
| Net loans and leases to total assets | 68.0495% | 2,531 |
| Net loans and leases to deposits | 78.0231% | 2,885 |
| Net loans and leases to core deposits | 85.2927% | 2,732 |
| Total domestic deposits to total assets | 87.2171% | 1,459 |
| Equity capital to assets | 8.8468% | 4,674 |
| Core capital (leverage) ratio | 8.9265% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3056% | 2,147 |
| Memoranda: | ||
| Average total assets | $29,812,000 | 4,972 |
| Average earning assets | $26,641,500 | 4,971 |
| Average equity | $2,621,000 | 5,040 |
| Average total loans | $20,884,000 | 4,788 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6316% | 449 |
| Cost of funding earning assets | 1.0830% | 1,394 |
| Net interest margin | 4.5486% | 650 |
| Noninterest income to average assets | 0.8526% | 1,293 |
| Noninterest expense to average assets | 4.4497% | 324 |
| Loan and lease loss provision to assets | 0.0500% | 3,023 |
| Net operating income to assets | 0.2920% | 4,757 |
| Return on assets (ROA) | 0.3630% | 4,689 |
| Pretax return on assets | 0.4996% | 4,582 |
| Return on Equity (ROE) | 4.1785% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.8368% | 3,623 |
| Net charge-offs to loans | 0.0045% | 3,520 |
| Credit loss provision to net charge-offs | 1,500.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 531 |
| Efficiency ratio | 90.6377% | 330 |
| Assets per employee ($millions) | 2.3058% | 5,052 |
| Cash dividends to net income (ytd only)* | 32.1101% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,148 |
| Loan loss allowance to noncurrent loans | 68.5654% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.6647% | 566 |
| Noncurrent loans to loans | 2.2288% | 550 |
| Net loans and leases to total assets | 69.8649% | 2,420 |
| Net loans and leases to deposits | 79.9771% | 2,782 |
| Net loans and leases to core deposits | 91.0720% | 2,316 |
| Total domestic deposits to total assets | 87.3561% | 1,429 |
| Equity capital to assets | 8.7373% | 4,810 |
| Core capital (leverage) ratio | 8.7585% | 4,693 |
| Tier 1 risk-based capital ratio | 12.1544% | 4,271 |
| Total risk-based capital ratio | 13.4089% | 4,158 |
| Memoranda: | ||
| Average total assets | $30,024,800 | 5,026 |
| Average earning assets | $26,777,400 | 5,028 |
| Average equity | $2,608,600 | 5,094 |
| Average total loans | $22,373,000 | 4,815 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 440 |
| Cost of funding earning assets | 1.1089% | 1,312 |
| Net interest margin | 4.5599% | 672 |
| Noninterest income to average assets | 0.7635% | 1,545 |
| Noninterest expense to average assets | 4.3323% | 353 |
| Loan and lease loss provision to assets | 0.0622% | 2,653 |
| Net operating income to assets | 0.4261% | 4,669 |
| Return on assets (ROA) | 0.4261% | 4,703 |
| Pretax return on assets | 0.4395% | 4,763 |
| Return on Equity (ROE) | 4.9117% | 4,348 |
| Retained earnings to average equity (ytd only) | 4.9117% | 2,933 |
| Net charge-offs to loans | 0.0118% | 2,942 |
| Credit loss provision to net charge-offs | 700.0000% | 475 |
| Earnings coverage of net charge-offs (x) | 56.4270% | 1,101 |
| Efficiency ratio | 89.6235% | 337 |
| Assets per employee ($millions) | 2.2455% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,335 |
| Loan loss allowance to noncurrent loans | 126.1719% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 1,405 |
| Noncurrent loans to loans | 1.1648% | 1,358 |
| Net loans and leases to total assets | 74.1813% | 1,775 |
| Net loans and leases to deposits | 85.6877% | 2,233 |
| Net loans and leases to core deposits | 96.9121% | 1,915 |
| Total domestic deposits to total assets | 86.5717% | 1,739 |
| Equity capital to assets | 9.1155% | 4,720 |
| Core capital (leverage) ratio | 9.0742% | 4,579 |
| Tier 1 risk-based capital ratio | 12.5047% | 4,142 |
| Total risk-based capital ratio | 13.7603% | 4,011 |
| Memoranda: | ||
| Average total assets | $30,037,250 | 5,102 |
| Average earning assets | $26,812,750 | 5,102 |
| Average equity | $2,606,000 | 5,171 |
| Average total loans | $22,649,500 | 4,885 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5958% | 470 |
| Cost of funding earning assets | 1.0603% | 1,451 |
| Net interest margin | 4.5356% | 708 |
| Noninterest income to average assets | 0.7520% | 1,515 |
| Noninterest expense to average assets | 4.2086% | 409 |
| Loan and lease loss provision to assets | 0.0594% | 2,635 |
| Net operating income to assets | 0.5409% | 4,445 |
| Return on assets (ROA) | 0.5409% | 4,475 |
| Pretax return on assets | 0.5475% | 4,629 |
| Return on Equity (ROE) | 6.3377% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.3377% | 2,123 |
| Net charge-offs to loans | 0.0087% | 2,826 |
| Credit loss provision to net charge-offs | 900.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 734 |
| Efficiency ratio | 87.3973% | 470 |
| Assets per employee ($millions) | 2.2815% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,614 |
| Loan loss allowance to noncurrent loans | 350.5495% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 2,946 |
| Noncurrent loans to loans | 0.3993% | 3,097 |
| Net loans and leases to total assets | 75.7578% | 1,587 |
| Net loans and leases to deposits | 89.4787% | 1,805 |
| Net loans and leases to core deposits | 102.6685% | 1,503 |
| Total domestic deposits to total assets | 84.6657% | 2,614 |
| Equity capital to assets | 8.9113% | 4,844 |
| Core capital (leverage) ratio | 8.9033% | 4,712 |
| Tier 1 risk-based capital ratio | 11.8617% | 4,495 |
| Total risk-based capital ratio | 13.1148% | 4,374 |
| Memoranda: | ||
| Average total assets | $30,319,000 | 5,142 |
| Average earning assets | $27,163,000 | 5,141 |
| Average equity | $2,587,670 | 5,214 |
| Average total loans | $22,873,330 | 4,920 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 616 |
| Cost of funding earning assets | 0.9092% | 1,958 |
| Net interest margin | 4.5029% | 740 |
| Noninterest income to average assets | 0.7700% | 1,364 |
| Noninterest expense to average assets | 4.1111% | 454 |
| Loan and lease loss provision to assets | 0.0653% | 2,357 |
| Net operating income to assets | 0.6525% | 4,081 |
| Return on assets (ROA) | 0.6525% | 4,117 |
| Pretax return on assets | 0.6656% | 4,383 |
| Return on Equity (ROE) | 7.8125% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.8125% | 1,731 |
| Net charge-offs to loans | 0.0698% | 1,357 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,819 |
| Efficiency ratio | 84.9057% | 650 |
| Assets per employee ($millions) | 2.3320% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 1,786 |
| Loan loss allowance to noncurrent loans | 390.0000% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,347 |
| Noncurrent loans to loans | 0.3514% | 3,323 |
| Net loans and leases to total assets | 74.0665% | 1,787 |
| Net loans and leases to deposits | 83.1076% | 2,492 |
| Net loans and leases to core deposits | 95.3177% | 1,994 |
| Total domestic deposits to total assets | 89.1213% | 805 |
| Equity capital to assets | 8.5598% | 4,954 |
| Core capital (leverage) ratio | 8.5130% | 5,000 |
| Tier 1 risk-based capital ratio | 11.6021% | 4,688 |
| Total risk-based capital ratio | 12.8550% | 4,568 |
| Memoranda: | ||
| Average total assets | $30,649,000 | 5,191 |
| Average earning assets | $27,715,500 | 5,188 |
| Average equity | $2,560,000 | 5,270 |
| Average total loans | $22,916,000 | 4,975 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 799 |
| Cost of funding earning assets | 0.7292% | 1,910 |
| Net interest margin | 4.4007% | 939 |
| Noninterest income to average assets | 1.3244% | 526 |
| Noninterest expense to average assets | 4.8135% | 234 |
| Loan and lease loss provision to assets | 0.1635% | 1,242 |
| Net operating income to assets | 0.4284% | 4,812 |
| Return on assets (ROA) | 0.4284% | 4,807 |
| Pretax return on assets | 0.2747% | 5,066 |
| Return on Equity (ROE) | 5.0913% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.7311% | 3,522 |
| Net charge-offs to loans | 0.0139% | 3,216 |
| Credit loss provision to net charge-offs | 1,666.6667% | 255 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 1,216 |
| Efficiency ratio | 91.6563% | 290 |
| Assets per employee ($millions) | 2.3832% | 5,247 |
| Cash dividends to net income (ytd only)* | 26.7176% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,834 |
| Loan loss allowance to noncurrent loans | 103.6667% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 1,338 |
| Noncurrent loans to loans | 1.3006% | 1,214 |
| Net loans and leases to total assets | 73.4459% | 2,019 |
| Net loans and leases to deposits | 82.7214% | 2,649 |
| Net loans and leases to core deposits | 94.5761% | 2,181 |
| Total domestic deposits to total assets | 88.7870% | 950 |
| Equity capital to assets | 8.1499% | 5,110 |
| Core capital (leverage) ratio | 8.1201% | 5,198 |
| Tier 1 risk-based capital ratio | 11.1648% | 4,882 |
| Total risk-based capital ratio | 12.4165% | 4,794 |
| Memoranda: | ||
| Average total assets | $30,580,800 | 5,232 |
| Average earning assets | $27,291,400 | 5,234 |
| Average equity | $2,573,000 | 5,316 |
| Average total loans | $21,569,200 | 5,037 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 911 |
| Cost of funding earning assets | 0.6938% | 1,876 |
| Net interest margin | 4.3249% | 1,060 |
| Noninterest income to average assets | 1.5135% | 420 |
| Noninterest expense to average assets | 4.4836% | 299 |
| Loan and lease loss provision to assets | 0.0175% | 3,665 |
| Net operating income to assets | 0.9099% | 3,484 |
| Return on assets (ROA) | 0.9099% | 3,489 |
| Pretax return on assets | 0.8574% | 4,149 |
| Return on Equity (ROE) | 10.7284% | 2,294 |
| Retained earnings to average equity (ytd only) | 10.7284% | 715 |
| Net charge-offs to loans | 0.0063% | 3,211 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 200.4962% | 438 |
| Efficiency ratio | 83.6735% | 663 |
| Assets per employee ($millions) | 2.3571% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,713 |
| Loan loss allowance to noncurrent loans | 234.2105% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 2,982 |
| Noncurrent loans to loans | 0.5059% | 2,870 |
| Net loans and leases to total assets | 72.6715% | 2,218 |
| Net loans and leases to deposits | 88.1029% | 2,139 |
| Net loans and leases to core deposits | 95.2112% | 2,193 |
| Total domestic deposits to total assets | 82.4848% | 3,466 |
| Equity capital to assets | 8.5960% | 4,865 |
| Core capital (leverage) ratio | 8.8628% | 4,836 |
| Tier 1 risk-based capital ratio | 11.9323% | 4,537 |
| Total risk-based capital ratio | 13.1318% | 4,444 |
| Memoranda: | ||
| Average total assets | $30,480,500 | 5,299 |
| Average earning assets | $27,098,250 | 5,305 |
| Average equity | $2,585,000 | 5,384 |
| Average total loans | $21,195,000 | 5,110 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 969 |
| Cost of funding earning assets | 0.6725% | 1,796 |
| Net interest margin | 4.2491% | 1,162 |
| Noninterest income to average assets | 1.9062% | 292 |
| Noninterest expense to average assets | 4.6735% | 261 |
| Loan and lease loss provision to assets | 0.0263% | 3,390 |
| Net operating income to assets | 1.0714% | 2,704 |
| Return on assets (ROA) | 1.0714% | 2,709 |
| Pretax return on assets | 0.9860% | 3,704 |
| Return on Equity (ROE) | 12.6914% | 1,479 |
| Retained earnings to average equity (ytd only) | 12.6914% | 427 |
| Net charge-offs to loans | 0.0096% | 2,795 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 510 |
| Efficiency ratio | 82.1965% | 816 |
| Assets per employee ($millions) | 2.2925% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,203 |
| Loan loss allowance to noncurrent loans | 82.1538% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 1,274 |
| Noncurrent loans to loans | 1.5739% | 1,036 |
| Net loans and leases to total assets | 68.3914% | 2,812 |
| Net loans and leases to deposits | 76.9626% | 3,258 |
| Net loans and leases to core deposits | 84.5551% | 3,036 |
| Total domestic deposits to total assets | 88.8632% | 990 |
| Equity capital to assets | 8.7108% | 4,789 |
| Core capital (leverage) ratio | 8.8890% | 4,802 |
| Tier 1 risk-based capital ratio | 12.7301% | 4,048 |
| Total risk-based capital ratio | 13.9817% | 3,952 |
| Memoranda: | ||
| Average total assets | $30,426,670 | 5,367 |
| Average earning assets | $27,064,330 | 5,371 |
| Average equity | $2,568,670 | 5,447 |
| Average total loans | $20,748,330 | 5,179 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 820 |
| Cost of funding earning assets | 0.6937% | 1,476 |
| Net interest margin | 4.2358% | 1,093 |
| Noninterest income to average assets | 3.0320% | 159 |
| Noninterest expense to average assets | 4.5024% | 294 |
| Loan and lease loss provision to assets | 0.0521% | 2,730 |
| Net operating income to assets | 2.3813% | 178 |
| Return on assets (ROA) | 2.3813% | 181 |
| Pretax return on assets | 2.2122% | 372 |
| Return on Equity (ROE) | 28.6497% | 53 |
| Retained earnings to average equity (ytd only) | 28.6497% | 23 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5385% | 3,073 |
| Assets per employee ($millions) | 2.3769% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,069 |
| Loan loss allowance to noncurrent loans | 79.7619% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 1,348 |
| Noncurrent loans to loans | 1.6769% | 1,020 |
| Net loans and leases to total assets | 63.9773% | 3,311 |
| Net loans and leases to deposits | 71.8037% | 3,628 |
| Net loans and leases to core deposits | 78.5669% | 3,445 |
| Total domestic deposits to total assets | 89.1003% | 1,052 |
| Equity capital to assets | 8.5243% | 4,953 |
| Core capital (leverage) ratio | 8.7056% | 4,984 |
| Tier 1 risk-based capital ratio | 13.2573% | 3,806 |
| Total risk-based capital ratio | 14.5071% | 3,713 |
| Memoranda: | ||
| Average total assets | $30,739,000 | 5,421 |
| Average earning assets | $27,102,500 | 5,430 |
| Average equity | $2,555,000 | 5,508 |
| Average total loans | $20,798,000 | 5,234 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 583 |
| Cost of funding earning assets | 0.5721% | 1,811 |
| Net interest margin | 4.4806% | 641 |
| Noninterest income to average assets | 0.6579% | 2,150 |
| Noninterest expense to average assets | 4.1871% | 419 |
| Loan and lease loss provision to assets | 0.1134% | 2,005 |
| Net operating income to assets | 0.2013% | 5,104 |
| Return on assets (ROA) | 0.2333% | 5,056 |
| Pretax return on assets | 0.3079% | 5,201 |
| Return on Equity (ROE) | 2.8733% | 4,870 |
| Retained earnings to average equity (ytd only) | 0.8780% | 4,679 |
| Net charge-offs to loans | 0.0143% | 3,607 |
| Credit loss provision to net charge-offs | 1,166.6667% | 318 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,285 |
| Efficiency ratio | 91.6962% | 359 |
| Assets per employee ($millions) | 2.7798% | 5,340 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,639 |
| Loan loss allowance to noncurrent loans | 85.1613% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 1,323 |
| Noncurrent loans to loans | 1.4379% | 1,192 |
| Net loans and leases to total assets | 69.6416% | 2,576 |
| Net loans and leases to deposits | 77.8127% | 3,133 |
| Net loans and leases to core deposits | 87.8036% | 2,743 |
| Total domestic deposits to total assets | 89.4990% | 777 |
| Equity capital to assets | 8.0973% | 5,351 |
| Core capital (leverage) ratio | 8.0059% | 5,437 |
| Tier 1 risk-based capital ratio | 11.3104% | 4,974 |
| Total risk-based capital ratio | 12.5154% | 4,877 |
| Memoranda: | ||
| Average total assets | $30,856,400 | 5,479 |
| Average earning assets | $26,916,200 | 5,487 |
| Average equity | $2,505,800 | 5,572 |
| Average total loans | $21,033,400 | 5,283 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 608 |
| Cost of funding earning assets | 0.5922% | 1,583 |
| Net interest margin | 4.4120% | 710 |
| Noninterest income to average assets | 0.6036% | 2,463 |
| Noninterest expense to average assets | 3.8974% | 595 |
| Loan and lease loss provision to assets | 0.1336% | 1,625 |
| Net operating income to assets | 0.3737% | 5,061 |
| Return on assets (ROA) | 0.4225% | 4,979 |
| Pretax return on assets | 0.4829% | 5,065 |
| Return on Equity (ROE) | 5.1988% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.1988% | 2,746 |
| Net charge-offs to loans | 0.0191% | 3,107 |
| Credit loss provision to net charge-offs | 1,033.3333% | 346 |
| Earnings coverage of net charge-offs (x) | 43.3325% | 1,229 |
| Efficiency ratio | 87.4275% | 544 |
| Assets per employee ($millions) | 2.7717% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,010 |
| Loan loss allowance to noncurrent loans | 509.8039% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 3,584 |
| Noncurrent loans to loans | 0.2327% | 4,134 |
| Net loans and leases to total assets | 71.0453% | 2,402 |
| Net loans and leases to deposits | 82.1239% | 2,766 |
| Net loans and leases to core deposits | 94.2028% | 2,260 |
| Total domestic deposits to total assets | 86.5099% | 2,100 |
| Equity capital to assets | 8.4260% | 5,331 |
| Core capital (leverage) ratio | 8.3203% | 5,357 |
| Tier 1 risk-based capital ratio | 11.7644% | 4,793 |
| Total risk-based capital ratio | 12.9616% | 4,701 |
| Memoranda: | ||
| Average total assets | $30,926,000 | 5,536 |
| Average earning assets | $27,016,250 | 5,543 |
| Average equity | $2,513,250 | 5,631 |
| Average total loans | $20,902,000 | 5,345 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 669 |
| Cost of funding earning assets | 0.5894% | 1,517 |
| Net interest margin | 4.3251% | 809 |
| Noninterest income to average assets | 0.5664% | 2,625 |
| Noninterest expense to average assets | 3.9522% | 562 |
| Loan and lease loss provision to assets | 0.1674% | 1,181 |
| Net operating income to assets | 0.1785% | 5,425 |
| Return on assets (ROA) | 0.2446% | 5,347 |
| Pretax return on assets | 0.3090% | 5,325 |
| Return on Equity (ROE) | 3.0465% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.0465% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9630% | 404 |
| Assets per employee ($millions) | 2.3564% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,163 |
| Loan loss allowance to noncurrent loans | 516.0000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 4,282 |
| Noncurrent loans to loans | 0.2279% | 4,214 |
| Net loans and leases to total assets | 70.7733% | 2,404 |
| Net loans and leases to deposits | 82.0125% | 2,701 |
| Net loans and leases to core deposits | 93.0073% | 2,246 |
| Total domestic deposits to total assets | 86.2958% | 2,241 |
| Equity capital to assets | 8.2003% | 5,448 |
| Core capital (leverage) ratio | 8.0416% | 5,506 |
| Tier 1 risk-based capital ratio | 11.3807% | 5,031 |
| Total risk-based capital ratio | 12.5576% | 4,971 |
| Memoranda: | ||
| Average total assets | $31,071,670 | 5,580 |
| Average earning assets | $27,144,000 | 5,590 |
| Average equity | $2,494,670 | 5,682 |
| Average total loans | $20,562,330 | 5,392 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 749 |
| Cost of funding earning assets | 0.5136% | 1,976 |
| Net interest margin | 4.2845% | 820 |
| Noninterest income to average assets | 0.5497% | 2,666 |
| Noninterest expense to average assets | 3.7966% | 684 |
| Loan and lease loss provision to assets | 0.0511% | 2,786 |
| Net operating income to assets | 0.3707% | 5,023 |
| Return on assets (ROA) | 0.3707% | 5,045 |
| Pretax return on assets | 0.4346% | 5,095 |
| Return on Equity (ROE) | 4.6661% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.6661% | 3,080 |
| Net charge-offs to loans | -0.0201% | 4,752 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6567% | 624 |
| Assets per employee ($millions) | 2.4237% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,287 |
| Loan loss allowance to noncurrent loans | 504.2553% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,426 |
| Noncurrent loans to loans | 0.2328% | 4,280 |
| Net loans and leases to total assets | 63.3204% | 3,357 |
| Net loans and leases to deposits | 70.6956% | 3,725 |
| Net loans and leases to core deposits | 79.4829% | 3,340 |
| Total domestic deposits to total assets | 89.5677% | 868 |
| Equity capital to assets | 7.9599% | 5,538 |
| Core capital (leverage) ratio | 7.9125% | 5,592 |
| Tier 1 risk-based capital ratio | 11.9248% | 4,769 |
| Total risk-based capital ratio | 13.0620% | 4,748 |
| Memoranda: | ||
| Average total assets | $31,291,000 | 5,646 |
| Average earning assets | $27,261,000 | 5,650 |
| Average equity | $2,486,000 | 5,744 |
| Average total loans | $19,874,500 | 5,470 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 940 |
| Cost of funding earning assets | 0.5393% | 1,798 |
| Net interest margin | 4.2243% | 1,064 |
| Noninterest income to average assets | 0.6129% | 2,593 |
| Noninterest expense to average assets | 3.9528% | 646 |
| Loan and lease loss provision to assets | 0.0197% | 3,978 |
| Net operating income to assets | 0.2622% | 5,297 |
| Return on assets (ROA) | 0.2622% | 5,366 |
| Pretax return on assets | 0.3376% | 5,317 |
| Return on Equity (ROE) | 3.1346% | 5,124 |
| Retained earnings to average equity (ytd only) | 0.1959% | 5,239 |
| Net charge-offs to loans | 0.0054% | 4,069 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 553 |
| Efficiency ratio | 91.7110% | 473 |
| Assets per employee ($millions) | 2.3903% | 5,708 |
| Cash dividends to net income (ytd only)* | 93.7500% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,202 |
| Loan loss allowance to noncurrent loans | 473.4694% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 4,461 |
| Noncurrent loans to loans | 0.2505% | 4,257 |
| Net loans and leases to total assets | 62.2031% | 3,587 |
| Net loans and leases to deposits | 69.4538% | 3,966 |
| Net loans and leases to core deposits | 79.0132% | 3,476 |
| Total domestic deposits to total assets | 89.5604% | 837 |
| Equity capital to assets | 7.9295% | 5,593 |
| Core capital (leverage) ratio | 7.9951% | 5,624 |
| Tier 1 risk-based capital ratio | 12.2892% | 4,512 |
| Total risk-based capital ratio | 13.4501% | 4,458 |
| Memoranda: | ||
| Average total assets | $30,510,200 | 5,704 |
| Average earning assets | $26,702,800 | 5,714 |
| Average equity | $2,552,200 | 5,797 |
| Average total loans | $18,641,200 | 5,556 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 944 |
| Cost of funding earning assets | 0.5507% | 1,683 |
| Net interest margin | 4.2252% | 1,067 |
| Noninterest income to average assets | 0.6059% | 2,634 |
| Noninterest expense to average assets | 3.7142% | 830 |
| Loan and lease loss provision to assets | 0.0220% | 3,805 |
| Net operating income to assets | 0.4917% | 4,729 |
| Return on assets (ROA) | 0.4917% | 4,821 |
| Pretax return on assets | 0.5751% | 4,945 |
| Return on Equity (ROE) | 5.8009% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.8009% | 2,300 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1507% | 808 |
| Assets per employee ($millions) | 2.4715% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,750 |
| Loan loss allowance to noncurrent loans | 56.1743% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4499% | 1,259 |
| Noncurrent loans to loans | 2.2937% | 803 |
| Net loans and leases to total assets | 59.9299% | 3,887 |
| Net loans and leases to deposits | 67.9149% | 4,163 |
| Net loans and leases to core deposits | 76.2505% | 3,809 |
| Total domestic deposits to total assets | 88.2426% | 1,271 |
| Equity capital to assets | 8.9352% | 5,223 |
| Core capital (leverage) ratio | 8.6355% | 5,225 |
| Tier 1 risk-based capital ratio | 14.4706% | 3,298 |
| Total risk-based capital ratio | 15.7252% | 3,232 |
| Memoranda: | ||
| Average total assets | $30,369,250 | 5,769 |
| Average earning assets | $26,633,250 | 5,775 |
| Average equity | $2,574,250 | 5,859 |
| Average total loans | $18,411,250 | 5,617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,020 |
| Cost of funding earning assets | 0.5661% | 1,569 |
| Net interest margin | 4.1490% | 1,235 |
| Noninterest income to average assets | 0.5750% | 2,761 |
| Noninterest expense to average assets | 3.7378% | 831 |
| Loan and lease loss provision to assets | 0.0261% | 3,612 |
| Net operating income to assets | 0.3659% | 5,133 |
| Return on assets (ROA) | 0.3659% | 5,224 |
| Pretax return on assets | 0.4509% | 5,245 |
| Return on Equity (ROE) | 4.3939% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.3939% | 3,119 |
| Net charge-offs to loans | -0.0108% | 4,722 |
| Credit loss provision to net charge-offs | -400.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6822% | 675 |
| Assets per employee ($millions) | 2.4782% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,835 |
| Loan loss allowance to noncurrent loans | 504.3478% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 4,620 |
| Noncurrent loans to loans | 0.2561% | 4,435 |
| Net loans and leases to total assets | 59.6241% | 3,934 |
| Net loans and leases to deposits | 67.4465% | 4,231 |
| Net loans and leases to core deposits | 75.6636% | 3,848 |
| Total domestic deposits to total assets | 88.4020% | 1,224 |
| Equity capital to assets | 8.7497% | 5,439 |
| Core capital (leverage) ratio | 8.3375% | 5,502 |
| Tier 1 risk-based capital ratio | 13.9979% | 3,606 |
| Total risk-based capital ratio | 15.2502% | 3,519 |
| Memoranda: | ||
| Average total assets | $30,606,330 | 5,838 |
| Average earning assets | $26,849,670 | 5,845 |
| Average equity | $2,549,000 | 5,932 |
| Average total loans | $18,546,330 | 5,680 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,044 |
| Cost of funding earning assets | 0.4981% | 2,128 |
| Net interest margin | 4.2048% | 1,085 |
| Noninterest income to average assets | 0.5412% | 2,863 |
| Noninterest expense to average assets | 3.9561% | 637 |
| Loan and lease loss provision to assets | 0.0515% | 2,897 |
| Net operating income to assets | 0.1804% | 5,568 |
| Return on assets (ROA) | 0.1804% | 5,624 |
| Pretax return on assets | 0.2320% | 5,605 |
| Return on Equity (ROE) | 2.2200% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.2200% | 4,371 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3131% | 486 |
| Assets per employee ($millions) | 2.3952% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 3,224 |
| Loan loss allowance to noncurrent loans | 452.9412% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,661 |
| Noncurrent loans to loans | 0.2751% | 4,449 |
| Net loans and leases to total assets | 58.8046% | 3,950 |
| Net loans and leases to deposits | 66.0272% | 4,250 |
| Net loans and leases to core deposits | 75.0933% | 3,779 |
| Total domestic deposits to total assets | 89.0612% | 1,068 |
| Equity capital to assets | 8.1575% | 5,762 |
| Core capital (leverage) ratio | 7.9380% | 5,797 |
| Tier 1 risk-based capital ratio | 13.5389% | 3,955 |
| Total risk-based capital ratio | 14.7896% | 3,883 |
| Memoranda: | ||
| Average total assets | $31,040,500 | 5,889 |
| Average earning assets | $27,302,000 | 5,892 |
| Average equity | $2,522,500 | 5,989 |
| Average total loans | $18,838,000 | 5,724 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 1,021 |
| Cost of funding earning assets | 0.5368% | 1,871 |
| Net interest margin | 4.2055% | 1,161 |
| Noninterest income to average assets | 0.6831% | 2,277 |
| Noninterest expense to average assets | 3.7540% | 915 |
| Loan and lease loss provision to assets | 0.0586% | 3,140 |
| Net operating income to assets | 0.4029% | 5,047 |
| Return on assets (ROA) | 0.4099% | 5,103 |
| Pretax return on assets | 0.5758% | 4,921 |
| Return on Equity (ROE) | 4.8989% | 4,555 |
| Retained earnings to average equity (ytd only) | 0.7776% | 5,210 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7355% | 1,017 |
| Assets per employee ($millions) | 2.3803% | 5,942 |
| Cash dividends to net income (ytd only)* | 84.1270% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 3,558 |
| Loan loss allowance to noncurrent loans | 154.4218% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 3,496 |
| Noncurrent loans to loans | 0.7682% | 2,868 |
| Net loans and leases to total assets | 61.1039% | 3,678 |
| Net loans and leases to deposits | 68.5868% | 4,070 |
| Net loans and leases to core deposits | 78.0484% | 3,542 |
| Total domestic deposits to total assets | 89.0900% | 1,072 |
| Equity capital to assets | 8.0953% | 5,813 |
| Core capital (leverage) ratio | 7.9957% | 5,842 |
| Tier 1 risk-based capital ratio | 13.1154% | 4,231 |
| Total risk-based capital ratio | 14.3301% | 4,173 |
| Memoranda: | ||
| Average total assets | $30,740,800 | 5,944 |
| Average earning assets | $27,012,000 | 5,949 |
| Average equity | $2,572,000 | 6,047 |
| Average total loans | $18,749,000 | 5,773 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,058 |
| Cost of funding earning assets | 0.5533% | 1,776 |
| Net interest margin | 4.1699% | 1,235 |
| Noninterest income to average assets | 0.6430% | 2,514 |
| Noninterest expense to average assets | 3.4538% | 1,375 |
| Loan and lease loss provision to assets | 0.0608% | 2,965 |
| Net operating income to assets | 0.7267% | 3,777 |
| Return on assets (ROA) | 0.7385% | 3,829 |
| Pretax return on assets | 0.8080% | 4,316 |
| Return on Equity (ROE) | 8.7556% | 2,699 |
| Retained earnings to average equity (ytd only) | 6.6441% | 1,868 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1411% | 1,644 |
| Assets per employee ($millions) | 2.5233% | 5,952 |
| Cash dividends to net income (ytd only)* | 24.1198% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,841 |
| Loan loss allowance to noncurrent loans | 113.1980% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,122 |
| Noncurrent loans to loans | 1.0298% | 2,417 |
| Net loans and leases to total assets | 62.4426% | 3,545 |
| Net loans and leases to deposits | 75.8069% | 3,323 |
| Net loans and leases to core deposits | 81.8308% | 3,268 |
| Total domestic deposits to total assets | 82.3706% | 4,039 |
| Equity capital to assets | 8.7354% | 5,553 |
| Core capital (leverage) ratio | 8.3499% | 5,675 |
| Tier 1 risk-based capital ratio | 13.5834% | 4,090 |
| Total risk-based capital ratio | 14.7855% | 4,048 |
| Memoranda: | ||
| Average total assets | $30,690,000 | 6,027 |
| Average earning assets | $26,986,750 | 6,032 |
| Average equity | $2,588,750 | 6,128 |
| Average total loans | $18,652,500 | 5,847 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,073 |
| Cost of funding earning assets | 0.5749% | 1,609 |
| Net interest margin | 4.1200% | 1,304 |
| Noninterest income to average assets | 0.6163% | 2,650 |
| Noninterest expense to average assets | 3.5229% | 1,263 |
| Loan and lease loss provision to assets | 0.0584% | 2,935 |
| Net operating income to assets | 0.5904% | 4,392 |
| Return on assets (ROA) | 0.5904% | 4,485 |
| Pretax return on assets | 0.6618% | 4,783 |
| Return on Equity (ROE) | 7.0817% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.0817% | 1,664 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0275% | 1,366 |
| Assets per employee ($millions) | 2.5113% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,955 |
| Loan loss allowance to noncurrent loans | 114.7368% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 3,320 |
| Noncurrent loans to loans | 1.0222% | 2,602 |
| Net loans and leases to total assets | 60.9590% | 3,697 |
| Net loans and leases to deposits | 72.8535% | 3,635 |
| Net loans and leases to core deposits | 78.5546% | 3,522 |
| Total domestic deposits to total assets | 83.6735% | 3,703 |
| Equity capital to assets | 8.5781% | 5,615 |
| Core capital (leverage) ratio | 8.1182% | 5,858 |
| Tier 1 risk-based capital ratio | 13.6418% | 4,135 |
| Total risk-based capital ratio | 14.8372% | 4,100 |
| Memoranda: | ||
| Average total assets | $30,827,000 | 6,093 |
| Average earning assets | $27,135,670 | 6,095 |
| Average equity | $2,570,000 | 6,199 |
| Average total loans | $18,493,330 | 5,907 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,183 |
| Cost of funding earning assets | 0.5245% | 2,057 |
| Net interest margin | 4.0943% | 1,290 |
| Noninterest income to average assets | 0.6031% | 2,632 |
| Noninterest expense to average assets | 3.5159% | 1,273 |
| Loan and lease loss provision to assets | 0.0513% | 2,909 |
| Net operating income to assets | 0.5774% | 4,373 |
| Return on assets (ROA) | 0.5774% | 4,479 |
| Pretax return on assets | 0.6416% | 4,793 |
| Return on Equity (ROE) | 7.0244% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.0244% | 2,002 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5366% | 1,428 |
| Assets per employee ($millions) | 2.6333% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 4,116 |
| Loan loss allowance to noncurrent loans | 96.3964% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 3,205 |
| Noncurrent loans to loans | 1.2200% | 2,334 |
| Net loans and leases to total assets | 56.9082% | 4,097 |
| Net loans and leases to deposits | 63.9828% | 4,372 |
| Net loans and leases to core deposits | 70.4332% | 4,111 |
| Total domestic deposits to total assets | 88.9430% | 1,308 |
| Equity capital to assets | 8.2310% | 5,917 |
| Core capital (leverage) ratio | 7.8418% | 6,014 |
| Tier 1 risk-based capital ratio | 13.3460% | 4,400 |
| Total risk-based capital ratio | 14.5123% | 4,374 |
| Memoranda: | ||
| Average total assets | $31,173,000 | 6,155 |
| Average earning assets | $27,452,500 | 6,152 |
| Average equity | $2,562,500 | 6,264 |
| Average total loans | $18,446,000 | 5,960 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 1,045 |
| Cost of funding earning assets | 0.6121% | 1,662 |
| Net interest margin | 4.2211% | 1,244 |
| Noninterest income to average assets | 0.9113% | 1,465 |
| Noninterest expense to average assets | 3.6975% | 1,157 |
| Loan and lease loss provision to assets | 0.0849% | 2,776 |
| Net operating income to assets | 0.6761% | 4,009 |
| Return on assets (ROA) | 0.6761% | 4,121 |
| Pretax return on assets | 0.8002% | 4,260 |
| Return on Equity (ROE) | 7.9880% | 3,143 |
| Retained earnings to average equity (ytd only) | -0.4245% | 5,838 |
| Net charge-offs to loans | 0.0449% | 3,928 |
| Credit loss provision to net charge-offs | 325.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 33.8750% | 1,223 |
| Efficiency ratio | 80.6842% | 1,822 |
| Assets per employee ($millions) | 2.5622% | 6,128 |
| Cash dividends to net income (ytd only)* | 105.3140% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 4,431 |
| Loan loss allowance to noncurrent loans | 157.8947% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 4,150 |
| Noncurrent loans to loans | 0.7114% | 3,540 |
| Net loans and leases to total assets | 60.1216% | 3,776 |
| Net loans and leases to deposits | 68.5696% | 4,069 |
| Net loans and leases to core deposits | 75.7830% | 3,737 |
| Total domestic deposits to total assets | 87.6797% | 1,937 |
| Equity capital to assets | 8.2092% | 5,956 |
| Core capital (leverage) ratio | 7.8025% | 6,097 |
| Tier 1 risk-based capital ratio | 13.2947% | 4,545 |
| Total risk-based capital ratio | 14.4490% | 4,513 |
| Memoranda: | ||
| Average total assets | $30,615,600 | 6,240 |
| Average earning assets | $26,628,200 | 6,251 |
| Average equity | $2,591,400 | 6,336 |
| Average total loans | $17,818,800 | 6,051 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 1,096 |
| Cost of funding earning assets | 0.6315% | 1,589 |
| Net interest margin | 4.1746% | 1,365 |
| Noninterest income to average assets | 0.8763% | 1,600 |
| Noninterest expense to average assets | 3.2653% | 1,980 |
| Loan and lease loss provision to assets | 0.0916% | 2,524 |
| Net operating income to assets | 1.1291% | 1,937 |
| Return on assets (ROA) | 1.1291% | 1,999 |
| Pretax return on assets | 1.1509% | 2,982 |
| Return on Equity (ROE) | 13.2395% | 1,159 |
| Retained earnings to average equity (ytd only) | 10.6838% | 561 |
| Net charge-offs to loans | 0.0606% | 3,344 |
| Credit loss provision to net charge-offs | 262.5000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 35.6129% | 1,214 |
| Efficiency ratio | 72.4371% | 3,100 |
| Assets per employee ($millions) | 2.7603% | 6,018 |
| Cash dividends to net income (ytd only)* | 19.3067% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 4,608 |
| Loan loss allowance to noncurrent loans | 147.4820% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 4,317 |
| Noncurrent loans to loans | 0.7661% | 3,675 |
| Net loans and leases to total assets | 59.0785% | 3,917 |
| Net loans and leases to deposits | 67.1106% | 4,227 |
| Net loans and leases to core deposits | 74.2221% | 3,918 |
| Total domestic deposits to total assets | 88.0315% | 1,749 |
| Equity capital to assets | 9.0077% | 5,344 |
| Core capital (leverage) ratio | 8.5307% | 5,623 |
| Tier 1 risk-based capital ratio | 15.0148% | 3,578 |
| Total risk-based capital ratio | 16.1852% | 3,557 |
| Memoranda: | ||
| Average total assets | $30,583,000 | 6,313 |
| Average earning assets | $26,604,750 | 6,327 |
| Average equity | $2,608,250 | 6,405 |
| Average total loans | $17,599,750 | 6,121 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 1,232 |
| Cost of funding earning assets | 0.6525% | 1,493 |
| Net interest margin | 4.0727% | 1,597 |
| Noninterest income to average assets | 0.9394% | 1,370 |
| Noninterest expense to average assets | 3.4446% | 1,585 |
| Loan and lease loss provision to assets | 0.0587% | 3,107 |
| Net operating income to assets | 0.9460% | 2,566 |
| Return on assets (ROA) | 0.9460% | 2,670 |
| Pretax return on assets | 0.9786% | 3,565 |
| Return on Equity (ROE) | 11.3016% | 1,630 |
| Retained earnings to average equity (ytd only) | 11.3016% | 498 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8559% | 2,480 |
| Assets per employee ($millions) | 2.5520% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 4,776 |
| Loan loss allowance to noncurrent loans | 158.2677% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 4,767 |
| Noncurrent loans to loans | 0.7128% | 3,924 |
| Net loans and leases to total assets | 57.5202% | 4,050 |
| Net loans and leases to deposits | 65.5174% | 4,318 |
| Net loans and leases to core deposits | 70.9453% | 4,155 |
| Total domestic deposits to total assets | 87.7939% | 2,040 |
| Equity capital to assets | 8.7938% | 5,526 |
| Core capital (leverage) ratio | 8.2123% | 5,917 |
| Tier 1 risk-based capital ratio | 14.9671% | 3,659 |
| Total risk-based capital ratio | 16.1448% | 3,638 |
| Memoranda: | ||
| Average total assets | $30,656,330 | 6,371 |
| Average earning assets | $26,665,330 | 6,388 |
| Average equity | $2,566,000 | 6,465 |
| Average total loans | $17,418,670 | 6,177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,364 |
| Cost of funding earning assets | 0.5874% | 2,095 |
| Net interest margin | 4.0665% | 1,553 |
| Noninterest income to average assets | 0.5608% | 2,978 |
| Noninterest expense to average assets | 3.3255% | 1,890 |
| Loan and lease loss provision to assets | 0.0652% | 2,822 |
| Net operating income to assets | 0.6390% | 4,001 |
| Return on assets (ROA) | 0.6390% | 4,092 |
| Pretax return on assets | 0.6912% | 4,518 |
| Return on Equity (ROE) | 7.8322% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.8322% | 1,670 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4696% | 1,994 |
| Assets per employee ($millions) | 2.9330% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,970 |
| Loan loss allowance to noncurrent loans | 231.7647% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 3,122 |
| Noncurrent loans to loans | 0.4884% | 4,694 |
| Net loans and leases to total assets | 53.3304% | 4,507 |
| Net loans and leases to deposits | 59.7929% | 4,784 |
| Net loans and leases to core deposits | 64.3841% | 4,661 |
| Total domestic deposits to total assets | 89.1920% | 1,533 |
| Equity capital to assets | 7.9100% | 6,109 |
| Core capital (leverage) ratio | 7.9449% | 6,151 |
| Tier 1 risk-based capital ratio | 14.1198% | 4,249 |
| Total risk-based capital ratio | 15.2469% | 4,276 |
| Memoranda: | ||
| Average total assets | $30,672,500 | 6,441 |
| Average earning assets | $26,558,500 | 6,453 |
| Average equity | $2,502,500 | 6,542 |
| Average total loans | $17,220,000 | 6,248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 1,634 |
| Cost of funding earning assets | 0.7906% | 1,264 |
| Net interest margin | 3.8849% | 2,351 |
| Noninterest income to average assets | 0.6813% | 2,641 |
| Noninterest expense to average assets | 3.6016% | 1,443 |
| Loan and lease loss provision to assets | 0.0616% | 3,905 |
| Net operating income to assets | 0.3321% | 5,402 |
| Return on assets (ROA) | 0.3321% | 5,511 |
| Pretax return on assets | 0.3321% | 5,639 |
| Return on Equity (ROE) | 3.7864% | 5,202 |
| Retained earnings to average equity (ytd only) | 0.4684% | 5,634 |
| Net charge-offs to loans | 0.0377% | 4,702 |
| Credit loss provision to net charge-offs | 300.0000% | 758 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,619 |
| Efficiency ratio | 90.1457% | 1,011 |
| Assets per employee ($millions) | 2.6438% | 6,278 |
| Cash dividends to net income (ytd only)* | 87.6289% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,017 |
| Loan loss allowance to noncurrent loans | 213.3333% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 2,990 |
| Noncurrent loans to loans | 0.5283% | 4,669 |
| Net loans and leases to total assets | 57.9224% | 4,046 |
| Net loans and leases to deposits | 65.5856% | 4,344 |
| Net loans and leases to core deposits | 71.2443% | 4,160 |
| Total domestic deposits to total assets | 88.3158% | 1,997 |
| Equity capital to assets | 8.4348% | 5,653 |
| Core capital (leverage) ratio | 8.2399% | 5,939 |
| Tier 1 risk-based capital ratio | 14.4242% | 4,002 |
| Total risk-based capital ratio | 15.5728% | 4,014 |
| Memoranda: | ||
| Average total assets | $29,209,000 | 6,538 |
| Average earning assets | $24,916,800 | 6,550 |
| Average equity | $2,561,800 | 6,616 |
| Average total loans | $15,901,800 | 6,374 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 1,823 |
| Cost of funding earning assets | 0.8310% | 1,152 |
| Net interest margin | 3.7905% | 2,677 |
| Noninterest income to average assets | 0.6384% | 2,935 |
| Noninterest expense to average assets | 3.3925% | 1,848 |
| Loan and lease loss provision to assets | 0.0638% | 3,776 |
| Net operating income to assets | 0.4058% | 5,226 |
| Return on assets (ROA) | 0.4058% | 5,361 |
| Pretax return on assets | 0.4058% | 5,606 |
| Return on Equity (ROE) | 4.5832% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.5832% | 3,411 |
| Net charge-offs to loans | 0.0512% | 4,170 |
| Credit loss provision to net charge-offs | 233.3333% | 1,038 |
| Earnings coverage of net charge-offs (x) | 17.1663% | 1,750 |
| Efficiency ratio | 87.8394% | 1,188 |
| Assets per employee ($millions) | 2.1998% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,886 |
| Loan loss allowance to noncurrent loans | 280.5970% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 3,365 |
| Noncurrent loans to loans | 0.4258% | 5,135 |
| Net loans and leases to total assets | 54.3639% | 4,550 |
| Net loans and leases to deposits | 62.1880% | 4,735 |
| Net loans and leases to core deposits | 67.6928% | 4,551 |
| Total domestic deposits to total assets | 87.4187% | 2,454 |
| Equity capital to assets | 9.0531% | 5,119 |
| Core capital (leverage) ratio | 8.6344% | 5,619 |
| Tier 1 risk-based capital ratio | 15.7938% | 3,305 |
| Total risk-based capital ratio | 16.9815% | 3,288 |
| Memoranda: | ||
| Average total assets | $29,240,750 | 6,615 |
| Average earning assets | $24,868,250 | 6,631 |
| Average equity | $2,589,000 | 6,686 |
| Average total loans | $15,618,000 | 6,455 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,854 |
| Cost of funding earning assets | 0.8655% | 1,057 |
| Net interest margin | 3.7346% | 2,822 |
| Noninterest income to average assets | 0.5296% | 3,635 |
| Noninterest expense to average assets | 3.5104% | 1,580 |
| Loan and lease loss provision to assets | 0.0611% | 3,787 |
| Net operating income to assets | 0.1222% | 6,081 |
| Return on assets (ROA) | 0.1222% | 6,177 |
| Pretax return on assets | 0.1222% | 6,199 |
| Return on Equity (ROE) | 1.3905% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.3905% | 5,328 |
| Net charge-offs to loans | 0.0257% | 4,338 |
| Credit loss provision to net charge-offs | 450.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,899 |
| Efficiency ratio | 95.0368% | 706 |
| Assets per employee ($millions) | 2.0587% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,825 |
| Loan loss allowance to noncurrent loans | 124.6667% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.3975% | 1,775 |
| Noncurrent loans to loans | 0.9882% | 3,960 |
| Net loans and leases to total assets | 52.0158% | 4,863 |
| Net loans and leases to deposits | 59.9704% | 4,983 |
| Net loans and leases to core deposits | 66.5926% | 4,630 |
| Total domestic deposits to total assets | 86.7358% | 2,980 |
| Equity capital to assets | 8.5456% | 5,721 |
| Core capital (leverage) ratio | 7.9908% | 6,194 |
| Tier 1 risk-based capital ratio | 15.3846% | 3,542 |
| Total risk-based capital ratio | 16.5705% | 3,540 |
| Memoranda: | ||
| Average total assets | $29,455,000 | 6,658 |
| Average earning assets | $24,956,000 | 6,678 |
| Average equity | $2,589,000 | 6,734 |
| Average total loans | $15,579,000 | 6,494 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,476 |
| Cost of funding earning assets | 0.8078% | 1,485 |
| Net interest margin | 3.9123% | 2,076 |
| Noninterest income to average assets | 0.7121% | 2,529 |
| Noninterest expense to average assets | 3.1574% | 2,493 |
| Loan and lease loss provision to assets | 0.0672% | 3,515 |
| Net operating income to assets | 0.8061% | 3,123 |
| Return on assets (ROA) | 0.8061% | 3,259 |
| Pretax return on assets | 0.8061% | 4,150 |
| Return on Equity (ROE) | 9.0498% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.0498% | 1,365 |
| Net charge-offs to loans | 0.1014% | 2,842 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,369 |
| Efficiency ratio | 78.3333% | 2,561 |
| Assets per employee ($millions) | 2.8020% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 5,226 |
| Loan loss allowance to noncurrent loans | 58.3871% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 3.1276% | 1,410 |
| Noncurrent loans to loans | 2.0376% | 2,581 |
| Net loans and leases to total assets | 48.7736% | 5,146 |
| Net loans and leases to deposits | 55.7645% | 5,271 |
| Net loans and leases to core deposits | 59.0920% | 5,237 |
| Total domestic deposits to total assets | 87.4635% | 2,652 |
| Equity capital to assets | 8.7016% | 5,808 |
| Core capital (leverage) ratio | 8.2978% | 5,831 |
| Tier 1 risk-based capital ratio | 14.4648% | 4,204 |
| Total risk-based capital ratio | 15.5149% | 4,286 |
| Memoranda: | ||
| Average total assets | $29,771,500 | 6,714 |
| Average earning assets | $25,254,000 | 6,736 |
| Average equity | $2,652,000 | 6,789 |
| Average total loans | $15,779,000 | 6,541 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 2,048 |
| Cost of funding earning assets | 0.8979% | 1,947 |
| Net interest margin | 3.9455% | 2,624 |
| Noninterest income to average assets | 0.8493% | 2,046 |
| Noninterest expense to average assets | 3.8692% | 1,135 |
| Loan and lease loss provision to assets | 0.0634% | 4,969 |
| Net operating income to assets | 0.2150% | 5,747 |
| Return on assets (ROA) | 0.2150% | 5,935 |
| Pretax return on assets | 0.2150% | 5,972 |
| Return on Equity (ROE) | 2.3610% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.7805% | 4,963 |
| Net charge-offs to loans | 0.0061% | 5,877 |
| Credit loss provision to net charge-offs | 1,800.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 482 |
| Efficiency ratio | 93.2880% | 842 |
| Assets per employee ($millions) | 2.3934% | 6,711 |
| Cash dividends to net income (ytd only)* | 24.5902% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,546 |
| Loan loss allowance to noncurrent loans | 30.0501% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 4.3975% | 952 |
| Noncurrent loans to loans | 3.6650% | 1,334 |
| Net loans and leases to total assets | 56.2794% | 4,241 |
| Net loans and leases to deposits | 65.7929% | 4,316 |
| Net loans and leases to core deposits | 69.3436% | 4,390 |
| Total domestic deposits to total assets | 85.5402% | 3,591 |
| Equity capital to assets | 9.1292% | 5,362 |
| Core capital (leverage) ratio | 8.3920% | 5,766 |
| Tier 1 risk-based capital ratio | 14.2606% | 4,196 |
| Total risk-based capital ratio | 15.3156% | 4,293 |
| Memoranda: | ||
| Average total assets | $28,377,600 | 6,796 |
| Average earning assets | $23,723,000 | 6,822 |
| Average equity | $2,583,600 | 6,864 |
| Average total loans | $16,267,000 | 6,586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 1,884 |
| Cost of funding earning assets | 0.9122% | 2,091 |
| Net interest margin | 4.0226% | 2,407 |
| Noninterest income to average assets | 0.8153% | 2,173 |
| Noninterest expense to average assets | 3.8455% | 1,131 |
| Loan and lease loss provision to assets | 0.0613% | 4,949 |
| Net operating income to assets | 0.2545% | 5,770 |
| Return on assets (ROA) | 0.2545% | 5,963 |
| Pretax return on assets | 0.2545% | 6,033 |
| Return on Equity (ROE) | 2.7972% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.7972% | 4,870 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4122% | 866 |
| Assets per employee ($millions) | 2.3594% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,621 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 3.4684% | 1,448 |
| Noncurrent loans to loans | 1.8261% | 3,038 |
| Net loans and leases to total assets | 54.6957% | 4,638 |
| Net loans and leases to deposits | 63.0923% | 4,828 |
| Net loans and leases to core deposits | 63.7520% | 5,180 |
| Total domestic deposits to total assets | 86.6916% | 2,858 |
| Equity capital to assets | 9.4303% | 5,286 |
| Core capital (leverage) ratio | 8.5789% | 5,653 |
| Tier 1 risk-based capital ratio | 14.9743% | 3,866 |
| Total risk-based capital ratio | 16.0509% | 3,935 |
| Memoranda: | ||
| Average total assets | $28,291,750 | 6,883 |
| Average earning assets | $23,533,000 | 6,912 |
| Average equity | $2,574,000 | 6,954 |
| Average total loans | $16,247,750 | 6,670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 1,806 |
| Cost of funding earning assets | 0.9101% | 2,321 |
| Net interest margin | 4.0827% | 2,155 |
| Noninterest income to average assets | 0.8344% | 2,029 |
| Noninterest expense to average assets | 4.0375% | 901 |
| Loan and lease loss provision to assets | 0.0636% | 4,850 |
| Net operating income to assets | 0.1273% | 6,100 |
| Return on assets (ROA) | 0.1273% | 6,262 |
| Pretax return on assets | 0.1273% | 6,269 |
| Return on Equity (ROE) | 1.4162% | 6,210 |
| Retained earnings to average equity (ytd only) | 1.4162% | 5,484 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4849% | 728 |
| Assets per employee ($millions) | 2.2616% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 5,937 |
| Loan loss allowance to noncurrent loans | 46.4865% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.8026% | 1,359 |
| Noncurrent loans to loans | 2.2702% | 2,652 |
| Net loans and leases to total assets | 54.8485% | 4,654 |
| Net loans and leases to deposits | 63.9616% | 4,769 |
| Net loans and leases to core deposits | 64.6100% | 5,142 |
| Total domestic deposits to total assets | 85.7522% | 3,483 |
| Equity capital to assets | 8.7786% | 5,940 |
| Core capital (leverage) ratio | 8.3649% | 5,837 |
| Tier 1 risk-based capital ratio | 14.1603% | 4,331 |
| Total risk-based capital ratio | 15.1735% | 4,477 |
| Memoranda: | ||
| Average total assets | $28,284,670 | 6,942 |
| Average earning assets | $23,513,670 | 6,972 |
| Average equity | $2,542,000 | 7,005 |
| Average total loans | $16,443,000 | 6,714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1364% | 1,476 |
| Cost of funding earning assets | 0.9259% | 2,472 |
| Net interest margin | 4.2104% | 1,734 |
| Noninterest income to average assets | 0.8367% | 2,008 |
| Noninterest expense to average assets | 3.8375% | 1,154 |
| Loan and lease loss provision to assets | 0.0577% | 4,689 |
| Net operating income to assets | 0.4184% | 5,180 |
| Return on assets (ROA) | 0.4184% | 5,373 |
| Pretax return on assets | 0.4184% | 5,670 |
| Return on Equity (ROE) | 4.5986% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.5986% | 3,814 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9632% | 1,181 |
| Assets per employee ($millions) | 2.2016% | 7,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 6,170 |
| Loan loss allowance to noncurrent loans | 54.7541% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.8957% | 1,430 |
| Noncurrent loans to loans | 1.8672% | 3,320 |
| Net loans and leases to total assets | 56.4900% | 4,292 |
| Net loans and leases to deposits | 64.2633% | 4,593 |
| Net loans and leases to core deposits | 64.9109% | 5,024 |
| Total domestic deposits to total assets | 87.9040% | 2,388 |
| Equity capital to assets | 8.9200% | 5,611 |
| Core capital (leverage) ratio | 8.6935% | 5,302 |
| Tier 1 risk-based capital ratio | 14.2059% | 4,310 |
| Total risk-based capital ratio | 15.1879% | 4,481 |
| Memoranda: | ||
| Average total assets | $27,726,500 | 7,008 |
| Average earning assets | $22,895,500 | 7,051 |
| Average equity | $2,522,500 | 7,058 |
| Average total loans | $16,515,500 | 6,769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7264% | 741 |
| Cost of funding earning assets | 1.0912% | 2,727 |
| Net interest margin | 4.6353% | 859 |
| Noninterest income to average assets | 0.7942% | 2,095 |
| Noninterest expense to average assets | 4.4391% | 620 |
| Loan and lease loss provision to assets | 0.2360% | 3,846 |
| Net operating income to assets | -0.0267% | 6,079 |
| Return on assets (ROA) | 0.1199% | 5,941 |
| Pretax return on assets | 0.1311% | 5,919 |
| Return on Equity (ROE) | 1.2700% | 5,898 |
| Retained earnings to average equity (ytd only) | -0.8732% | 5,982 |
| Net charge-offs to loans | 0.7158% | 2,370 |
| Credit loss provision to net charge-offs | 50.8065% | 5,406 |
| Earnings coverage of net charge-offs (x) | 0.4435% | 5,488 |
| Efficiency ratio | 95.5645% | 845 |
| Assets per employee ($millions) | 2.2360% | 7,057 |
| Cash dividends to net income (ytd only)* | 168.7500% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,316 |
| Loan loss allowance to noncurrent loans | 68.4874% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.9617% | 1,453 |
| Noncurrent loans to loans | 1.4255% | 4,023 |
| Net loans and leases to total assets | 61.6167% | 3,677 |
| Net loans and leases to deposits | 71.5869% | 3,864 |
| Net loans and leases to core deposits | 71.5869% | 4,579 |
| Total domestic deposits to total assets | 86.0726% | 3,280 |
| Equity capital to assets | 9.2874% | 5,165 |
| Core capital (leverage) ratio | 9.0057% | 4,776 |
| Tier 1 risk-based capital ratio | 14.0473% | 4,297 |
| Total risk-based capital ratio | 15.0086% | 4,472 |
| Memoranda: | ||
| Average total assets | $26,694,800 | 7,056 |
| Average earning assets | $22,177,800 | 7,101 |
| Average equity | $2,519,600 | 7,115 |
| Average total loans | $17,322,200 | 6,789 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8217% | 675 |
| Cost of funding earning assets | 1.1198% | 2,833 |
| Net interest margin | 4.7019% | 761 |
| Noninterest income to average assets | 0.7502% | 2,313 |
| Noninterest expense to average assets | 4.3509% | 671 |
| Loan and lease loss provision to assets | 0.1700% | 4,344 |
| Net operating income to assets | 0.1286% | 5,892 |
| Return on assets (ROA) | 0.3351% | 5,443 |
| Pretax return on assets | 0.3501% | 5,598 |
| Return on Equity (ROE) | 3.5357% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.5357% | 4,222 |
| Net charge-offs to loans | 0.2899% | 3,642 |
| Credit loss provision to net charge-offs | 89.4737% | 3,784 |
| Earnings coverage of net charge-offs (x) | 1.6051% | 4,442 |
| Efficiency ratio | 93.4479% | 947 |
| Assets per employee ($millions) | 2.0488% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 5,130 |
| Loan loss allowance to noncurrent loans | 35.8306% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 4.6067% | 1,294 |
| Noncurrent loans to loans | 3.5551% | 1,933 |
| Net loans and leases to total assets | 64.0173% | 3,303 |
| Net loans and leases to deposits | 74.4553% | 3,593 |
| Net loans and leases to core deposits | 74.4553% | 4,388 |
| Total domestic deposits to total assets | 85.9809% | 3,224 |
| Equity capital to assets | 9.7916% | 4,634 |
| Core capital (leverage) ratio | 9.1849% | 4,649 |
| Tier 1 risk-based capital ratio | 14.1726% | 4,221 |
| Total risk-based capital ratio | 15.4235% | 4,188 |
| Memoranda: | ||
| Average total assets | $26,660,500 | 7,129 |
| Average earning assets | $22,146,500 | 7,175 |
| Average equity | $2,526,500 | 7,183 |
| Average total loans | $17,478,750 | 6,846 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8221% | 689 |
| Cost of funding earning assets | 1.1338% | 3,018 |
| Net interest margin | 4.6883% | 752 |
| Noninterest income to average assets | 0.7349% | 2,350 |
| Noninterest expense to average assets | 4.3271% | 726 |
| Loan and lease loss provision to assets | 0.0675% | 5,465 |
| Net operating income to assets | 0.2419% | 5,590 |
| Return on assets (ROA) | 0.5475% | 4,452 |
| Pretax return on assets | 0.5625% | 4,873 |
| Return on Equity (ROE) | 5.8416% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.8416% | 2,522 |
| Net charge-offs to loans | 0.3989% | 2,965 |
| Credit loss provision to net charge-offs | 25.7143% | 5,051 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,383 |
| Efficiency ratio | 93.2149% | 1,028 |
| Assets per employee ($millions) | 2.0652% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,827 |
| Loan loss allowance to noncurrent loans | 37.3585% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 4.2573% | 1,493 |
| Noncurrent loans to loans | 3.0253% | 2,396 |
| Net loans and leases to total assets | 64.5150% | 3,355 |
| Net loans and leases to deposits | 74.3742% | 3,741 |
| Net loans and leases to core deposits | 74.3742% | 4,532 |
| Total domestic deposits to total assets | 86.7439% | 2,889 |
| Equity capital to assets | 9.5687% | 4,712 |
| Core capital (leverage) ratio | 9.0352% | 4,662 |
| Tier 1 risk-based capital ratio | 14.1211% | 4,085 |
| Total risk-based capital ratio | 15.2504% | 4,145 |
| Memoranda: | ||
| Average total assets | $26,669,000 | 7,194 |
| Average earning assets | $22,225,670 | 7,238 |
| Average equity | $2,499,330 | 7,246 |
| Average total loans | $17,548,000 | 6,914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8299% | 694 |
| Cost of funding earning assets | 1.1371% | 3,248 |
| Net interest margin | 4.6928% | 718 |
| Noninterest income to average assets | 0.6321% | 2,948 |
| Noninterest expense to average assets | 4.2890% | 734 |
| Loan and lease loss provision to assets | 0.0602% | 5,248 |
| Net operating income to assets | 0.1806% | 5,846 |
| Return on assets (ROA) | 0.1806% | 5,903 |
| Pretax return on assets | 0.1956% | 5,949 |
| Return on Equity (ROE) | 1.9477% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.9477% | 4,957 |
| Net charge-offs to loans | -0.0228% | 6,614 |
| Credit loss provision to net charge-offs | -400.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3709% | 1,022 |
| Assets per employee ($millions) | 2.0787% | 7,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 5,090 |
| Loan loss allowance to noncurrent loans | 35.3395% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 3.6191% | 1,879 |
| Noncurrent loans to loans | 3.7033% | 1,989 |
| Net loans and leases to total assets | 63.9048% | 3,449 |
| Net loans and leases to deposits | 73.9192% | 3,773 |
| Net loans and leases to core deposits | 73.9192% | 4,539 |
| Total domestic deposits to total assets | 86.4523% | 3,263 |
| Equity capital to assets | 9.1219% | 5,004 |
| Core capital (leverage) ratio | 8.8873% | 4,791 |
| Tier 1 risk-based capital ratio | 13.8457% | 4,180 |
| Total risk-based capital ratio | 15.0950% | 4,157 |
| Memoranda: | ||
| Average total assets | $26,579,500 | 7,246 |
| Average earning assets | $22,161,500 | 7,290 |
| Average equity | $2,464,500 | 7,303 |
| Average total loans | $17,562,500 | 6,964 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9155% | 1,006 |
| Cost of funding earning assets | 1.2397% | 4,289 |
| Net interest margin | 4.6758% | 859 |
| Noninterest income to average assets | 0.8234% | 2,174 |
| Noninterest expense to average assets | 4.4226% | 701 |
| Loan and lease loss provision to assets | 0.0671% | 6,479 |
| Net operating income to assets | 0.1937% | 5,285 |
| Return on assets (ROA) | 0.1937% | 5,458 |
| Pretax return on assets | 0.2124% | 5,465 |
| Return on Equity (ROE) | 2.0892% | 5,354 |
| Retained earnings to average equity (ytd only) | 0.0804% | 5,548 |
| Net charge-offs to loans | 0.2033% | 5,069 |
| Credit loss provision to net charge-offs | 48.6486% | 6,282 |
| Earnings coverage of net charge-offs (x) | 2.0270% | 4,215 |
| Efficiency ratio | 94.0571% | 1,055 |
| Assets per employee ($millions) | 2.0105% | 7,415 |
| Cash dividends to net income (ytd only)* | 96.1538% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 5,158 |
| Loan loss allowance to noncurrent loans | 27.8954% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 4.3350% | 1,541 |
| Noncurrent loans to loans | 4.5555% | 1,545 |
| Net loans and leases to total assets | 66.5863% | 3,335 |
| Net loans and leases to deposits | 76.7734% | 3,722 |
| Net loans and leases to core deposits | 76.7734% | 4,608 |
| Total domestic deposits to total assets | 86.7309% | 2,957 |
| Equity capital to assets | 9.4276% | 4,504 |
| Core capital (leverage) ratio | 9.1131% | 4,331 |
| Tier 1 risk-based capital ratio | 13.7009% | 4,061 |
| Total risk-based capital ratio | 14.9490% | 4,034 |
| Memoranda: | ||
| Average total assets | $26,839,200 | 7,297 |
| Average earning assets | $22,263,400 | 7,340 |
| Average equity | $2,489,000 | 7,398 |
| Average total loans | $18,201,600 | 7,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 1,056 |
| Cost of funding earning assets | 1.2567% | 4,523 |
| Net interest margin | 4.6829% | 878 |
| Noninterest income to average assets | 0.8242% | 2,107 |
| Noninterest expense to average assets | 4.3086% | 738 |
| Loan and lease loss provision to assets | 0.0691% | 6,372 |
| Net operating income to assets | 0.3257% | 5,065 |
| Return on assets (ROA) | 0.3257% | 5,229 |
| Pretax return on assets | 0.3455% | 5,382 |
| Return on Equity (ROE) | 3.5267% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.5267% | 3,970 |
| Net charge-offs to loans | 0.2689% | 4,331 |
| Credit loss provision to net charge-offs | 37.8378% | 6,041 |
| Earnings coverage of net charge-offs (x) | 2.2704% | 4,032 |
| Efficiency ratio | 91.2226% | 1,196 |
| Assets per employee ($millions) | 1.9595% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,178 |
| Loan loss allowance to noncurrent loans | 29.9320% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 4.1809% | 1,644 |
| Noncurrent loans to loans | 4.2019% | 1,739 |
| Net loans and leases to total assets | 67.8051% | 3,264 |
| Net loans and leases to deposits | 81.3911% | 3,202 |
| Net loans and leases to core deposits | 81.3911% | 4,330 |
| Total domestic deposits to total assets | 83.3078% | 4,455 |
| Equity capital to assets | 10.0145% | 4,143 |
| Core capital (leverage) ratio | 9.4890% | 3,923 |
| Tier 1 risk-based capital ratio | 14.4288% | 3,550 |
| Total risk-based capital ratio | 15.6819% | 3,526 |
| Memoranda: | ||
| Average total assets | $27,015,000 | 7,382 |
| Average earning assets | $22,492,500 | 7,431 |
| Average equity | $2,495,250 | 7,494 |
| Average total loans | $18,345,250 | 7,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8757% | 1,242 |
| Cost of funding earning assets | 1.3019% | 4,526 |
| Net interest margin | 4.5739% | 1,053 |
| Noninterest income to average assets | 0.8282% | 1,980 |
| Noninterest expense to average assets | 4.2283% | 785 |
| Loan and lease loss provision to assets | 0.0654% | 6,297 |
| Net operating income to assets | 0.3415% | 5,010 |
| Return on assets (ROA) | 0.3415% | 5,181 |
| Pretax return on assets | 0.3633% | 5,332 |
| Return on Equity (ROE) | 3.7954% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.7954% | 3,678 |
| Net charge-offs to loans | 0.0429% | 5,777 |
| Credit loss provision to net charge-offs | 225.0000% | 1,721 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,503 |
| Efficiency ratio | 90.7956% | 1,274 |
| Assets per employee ($millions) | 2.0383% | 7,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,662 |
| Loan loss allowance to noncurrent loans | 25.7529% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 4.4834% | 1,485 |
| Noncurrent loans to loans | 5.2566% | 1,288 |
| Net loans and leases to total assets | 68.2014% | 3,313 |
| Net loans and leases to deposits | 79.4898% | 3,693 |
| Net loans and leases to core deposits | 79.4898% | 4,742 |
| Total domestic deposits to total assets | 85.7989% | 3,205 |
| Equity capital to assets | 9.5403% | 4,647 |
| Core capital (leverage) ratio | 9.0176% | 4,571 |
| Tier 1 risk-based capital ratio | 13.7069% | 3,938 |
| Total risk-based capital ratio | 14.9601% | 3,898 |
| Memoranda: | ||
| Average total assets | $27,529,000 | 7,429 |
| Average earning assets | $23,044,000 | 7,473 |
| Average equity | $2,476,670 | 7,555 |
| Average total loans | $18,629,670 | 7,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7625% | 1,588 |
| Cost of funding earning assets | 1.3639% | 4,394 |
| Net interest margin | 4.3986% | 1,394 |
| Noninterest income to average assets | 0.7702% | 2,174 |
| Noninterest expense to average assets | 4.0222% | 995 |
| Loan and lease loss provision to assets | 0.0571% | 6,086 |
| Net operating income to assets | 0.3423% | 5,115 |
| Return on assets (ROA) | 0.3423% | 5,239 |
| Pretax return on assets | 0.3708% | 5,379 |
| Return on Equity (ROE) | 3.9168% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.9168% | 3,788 |
| Net charge-offs to loans | 0.0213% | 5,281 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 871 |
| Efficiency ratio | 90.3846% | 1,399 |
| Assets per employee ($millions) | 2.1138% | 7,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,737 |
| Loan loss allowance to noncurrent loans | 24.4776% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 4.4760% | 1,512 |
| Noncurrent loans to loans | 5.4730% | 1,284 |
| Net loans and leases to total assets | 65.9279% | 3,865 |
| Net loans and leases to deposits | 75.4341% | 4,508 |
| Net loans and leases to core deposits | 75.4341% | 5,335 |
| Total domestic deposits to total assets | 87.3981% | 2,413 |
| Equity capital to assets | 8.9483% | 5,352 |
| Core capital (leverage) ratio | 8.5054% | 5,362 |
| Tier 1 risk-based capital ratio | 13.3815% | 4,058 |
| Total risk-based capital ratio | 14.6329% | 4,020 |
| Memoranda: | ||
| Average total assets | $28,044,500 | 7,506 |
| Average earning assets | $23,462,000 | 7,550 |
| Average equity | $2,451,000 | 7,652 |
| Average total loans | $18,784,500 | 7,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3875% | 853 |
| Cost of funding earning assets | 1.6975% | 4,527 |
| Net interest margin | 4.6900% | 850 |
| Noninterest income to average assets | 0.9006% | 1,937 |
| Noninterest expense to average assets | 4.0808% | 1,258 |
| Loan and lease loss provision to assets | 0.2181% | 5,615 |
| Net operating income to assets | 0.3694% | 4,252 |
| Return on assets (ROA) | 0.3694% | 4,352 |
| Pretax return on assets | 0.3729% | 4,571 |
| Return on Equity (ROE) | 4.4371% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.4371% | 2,136 |
| Net charge-offs to loans | 0.2244% | 5,219 |
| Credit loss provision to net charge-offs | 144.1860% | 3,312 |
| Earnings coverage of net charge-offs (x) | 3.9070% | 3,145 |
| Efficiency ratio | 87.3494% | 1,944 |
| Assets per employee ($millions) | 2.2007% | 7,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 4,962 |
| Loan loss allowance to noncurrent loans | 24.0119% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 4.3238% | 1,510 |
| Noncurrent loans to loans | 5.2692% | 1,248 |
| Net loans and leases to total assets | 66.2833% | 4,083 |
| Net loans and leases to deposits | 78.2819% | 4,318 |
| Net loans and leases to core deposits | 88.4427% | 5,279 |
| Total domestic deposits to total assets | 84.6727% | 3,719 |
| Equity capital to assets | 8.5393% | 5,829 |
| Core capital (leverage) ratio | 8.2526% | 5,716 |
| Tier 1 risk-based capital ratio | 12.6734% | 4,384 |
| Total risk-based capital ratio | 13.9215% | 4,321 |
| Memoranda: | ||
| Average total assets | $28,426,000 | 7,527 |
| Average earning assets | $22,857,200 | 7,618 |
| Average equity | $2,366,400 | 7,758 |
| Average total loans | $19,158,600 | 7,246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5391% | 692 |
| Cost of funding earning assets | 1.8000% | 4,382 |
| Net interest margin | 4.7391% | 778 |
| Noninterest income to average assets | 0.8597% | 2,152 |
| Noninterest expense to average assets | 3.9933% | 1,279 |
| Loan and lease loss provision to assets | 0.2725% | 4,790 |
| Net operating income to assets | 0.3383% | 4,644 |
| Return on assets (ROA) | 0.3383% | 4,744 |
| Pretax return on assets | 0.3665% | 4,890 |
| Return on Equity (ROE) | 4.0899% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.0899% | 2,991 |
| Net charge-offs to loans | 0.3134% | 4,080 |
| Credit loss provision to net charge-offs | 128.8889% | 3,888 |
| Earnings coverage of net charge-offs (x) | 3.0222% | 3,719 |
| Efficiency ratio | 86.2069% | 2,038 |
| Assets per employee ($millions) | 2.1968% | 7,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 4,813 |
| Loan loss allowance to noncurrent loans | 23.1220% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 4.3769% | 1,410 |
| Noncurrent loans to loans | 5.4121% | 1,163 |
| Net loans and leases to total assets | 65.4855% | 4,539 |
| Net loans and leases to deposits | 77.1981% | 4,863 |
| Net loans and leases to core deposits | 88.9259% | 5,537 |
| Total domestic deposits to total assets | 84.8279% | 3,318 |
| Equity capital to assets | 8.4982% | 6,258 |
| Core capital (leverage) ratio | 8.1424% | 6,116 |
| Tier 1 risk-based capital ratio | 12.4615% | 4,575 |
| Total risk-based capital ratio | 13.7103% | 4,527 |
| Memoranda: | ||
| Average total assets | $28,380,250 | 7,598 |
| Average earning assets | $22,591,750 | 7,703 |
| Average equity | $2,347,250 | 7,838 |
| Average total loans | $19,146,750 | 7,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6221% | 633 |
| Cost of funding earning assets | 1.8769% | 4,383 |
| Net interest margin | 4.7453% | 737 |
| Noninterest income to average assets | 0.8616% | 2,143 |
| Noninterest expense to average assets | 4.0112% | 1,302 |
| Loan and lease loss provision to assets | 0.3249% | 3,993 |
| Net operating income to assets | 0.2684% | 5,021 |
| Return on assets (ROA) | 0.2684% | 5,116 |
| Pretax return on assets | 0.3107% | 5,188 |
| Return on Equity (ROE) | 3.2749% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.2749% | 3,499 |
| Net charge-offs to loans | 0.3955% | 3,219 |
| Credit loss provision to net charge-offs | 121.0526% | 3,831 |
| Earnings coverage of net charge-offs (x) | 2.3684% | 3,881 |
| Efficiency ratio | 86.3222% | 2,195 |
| Assets per employee ($millions) | 2.1838% | 7,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 4,852 |
| Loan loss allowance to noncurrent loans | 27.0396% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 3.8147% | 1,589 |
| Noncurrent loans to loans | 4.4837% | 1,436 |
| Net loans and leases to total assets | 66.5868% | 4,443 |
| Net loans and leases to deposits | 76.8862% | 5,040 |
| Net loans and leases to core deposits | 86.5053% | 5,849 |
| Total domestic deposits to total assets | 86.6044% | 2,451 |
| Equity capital to assets | 8.2881% | 6,347 |
| Core capital (leverage) ratio | 7.9658% | 6,395 |
| Tier 1 risk-based capital ratio | 12.0733% | 4,855 |
| Total risk-based capital ratio | 13.2954% | 4,798 |
| Memoranda: | ||
| Average total assets | $28,320,670 | 7,670 |
| Average earning assets | $22,591,000 | 7,775 |
| Average equity | $2,320,670 | 7,921 |
| Average total loans | $19,216,000 | 7,384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8425% | 447 |
| Cost of funding earning assets | 1.9322% | 4,478 |
| Net interest margin | 4.9103% | 490 |
| Noninterest income to average assets | 0.8768% | 1,946 |
| Noninterest expense to average assets | 3.7333% | 1,590 |
| Loan and lease loss provision to assets | 0.5939% | 2,118 |
| Net operating income to assets | 0.3818% | 4,941 |
| Return on assets (ROA) | 0.3818% | 5,122 |
| Pretax return on assets | 0.4667% | 5,189 |
| Return on Equity (ROE) | 4.6865% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.6865% | 3,313 |
| Net charge-offs to loans | 0.7894% | 1,632 |
| Credit loss provision to net charge-offs | 110.5263% | 3,488 |
| Earnings coverage of net charge-offs (x) | 1.9737% | 3,737 |
| Efficiency ratio | 77.8761% | 3,186 |
| Assets per employee ($millions) | 2.2204% | 7,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,850 |
| Loan loss allowance to noncurrent loans | 26.8551% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 3.7727% | 1,397 |
| Noncurrent loans to loans | 4.4471% | 1,299 |
| Net loans and leases to total assets | 65.3490% | 4,737 |
| Net loans and leases to deposits | 72.5165% | 5,680 |
| Net loans and leases to core deposits | 80.6421% | 6,335 |
| Total domestic deposits to total assets | 90.1161% | 742 |
| Equity capital to assets | 8.0721% | 6,706 |
| Core capital (leverage) ratio | 7.9874% | 6,471 |
| Tier 1 risk-based capital ratio | 11.9626% | 4,992 |
| Total risk-based capital ratio | 13.1668% | 4,940 |
| Memoranda: | ||
| Average total assets | $28,286,000 | 7,716 |
| Average earning assets | $22,565,000 | 7,819 |
| Average equity | $2,304,500 | 7,978 |
| Average total loans | $19,256,000 | 7,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7467% | 262 |
| Cost of funding earning assets | 2.4879% | 4,269 |
| Net interest margin | 5.2589% | 303 |
| Noninterest income to average assets | 0.7518% | 2,770 |
| Noninterest expense to average assets | 4.4262% | 926 |
| Loan and lease loss provision to assets | 0.1732% | 5,172 |
| Net operating income to assets | 0.2617% | 5,677 |
| Return on assets (ROA) | 0.2617% | 5,492 |
| Pretax return on assets | 0.3280% | 5,448 |
| Return on Equity (ROE) | 3.1821% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.1821% | 3,168 |
| Net charge-offs to loans | 0.3279% | 3,210 |
| Credit loss provision to net charge-offs | 75.8065% | 5,978 |
| Earnings coverage of net charge-offs (x) | 2.1935% | 4,977 |
| Efficiency ratio | 89.8280% | 1,527 |
| Assets per employee ($millions) | 1.9791% | 7,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 4,895 |
| Loan loss allowance to noncurrent loans | 38.2906% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9776% | 1,547 |
| Noncurrent loans to loans | 3.0122% | 1,779 |
| Net loans and leases to total assets | 69.2857% | 4,194 |
| Net loans and leases to deposits | 77.9352% | 5,348 |
| Net loans and leases to core deposits | 88.0718% | 5,971 |
| Total domestic deposits to total assets | 88.9017% | 1,086 |
| Equity capital to assets | 8.2254% | 6,513 |
| Core capital (leverage) ratio | 8.2560% | 6,041 |
| Tier 1 risk-based capital ratio | 11.7437% | 5,022 |
| Total risk-based capital ratio | 12.9212% | 4,978 |
| Memoranda: | ||
| Average total assets | $27,133,800 | 7,761 |
| Average earning assets | $21,544,600 | 7,876 |
| Average equity | $2,231,200 | 8,064 |
| Average total loans | $18,908,600 | 7,406 |