Home > The Pioneer Savings Bank > Performance and Condition Ratios
The Pioneer Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 2,406 |
| Cost of funding earning assets | 3.7789% | 62 |
| Net interest margin | 1.5714% | 4,371 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.9304% | 3,683 |
| Loan and lease loss provision to assets | -0.2600% | 4,392 |
| Net operating income to assets | -0.0712% | 4,215 |
| Return on assets (ROA) | -0.0712% | 4,240 |
| Pretax return on assets | -0.0712% | 4,232 |
| Return on Equity (ROE) | -0.8300% | 4,230 |
| Retained earnings to average equity (ytd only) | -0.8288% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 120.9821% | 116 |
| Assets per employee ($millions) | 9.4502% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 3,577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.4100% | 2,658 |
| Net loans and leases to deposits | 95.2545% | 677 |
| Net loans and leases to core deposits | 344.7107% | 18 |
| Total domestic deposits to total assets | 65.5200% | 4,267 |
| Equity capital to assets | 8.6894% | 3,165 |
| Core capital (leverage) ratio | 11.1506% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $56,153,000 | 4,166 |
| Average earning assets | $52,184,000 | 4,142 |
| Average equity | $4,826,500 | 4,253 |
| Average total loans | $35,674,000 | 4,008 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6164% | 1,915 |
| Cost of funding earning assets | 3.6301% | 149 |
| Net interest margin | 1.9863% | 4,264 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 2.1279% | 3,314 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | -0.2504% | 4,299 |
| Return on assets (ROA) | -0.2504% | 4,325 |
| Pretax return on assets | -0.2504% | 4,302 |
| Return on Equity (ROE) | -2.7300% | 4,304 |
| Retained earnings to average equity (ytd only) | -2.8537% | 4,202 |
| Net charge-offs to loans | -0.0059% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 108.3097% | 189 |
| Assets per employee ($millions) | 9.2675% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,119 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 63.4300% | 2,621 |
| Net loans and leases to deposits | 97.5550% | 618 |
| Net loans and leases to core deposits | 302.7814% | 19 |
| Total domestic deposits to total assets | 65.0200% | 4,291 |
| Equity capital to assets | 8.4992% | 3,200 |
| Core capital (leverage) ratio | 11.1875% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $53,903,600 | 4,198 |
| Average earning assets | $49,943,000 | 4,172 |
| Average equity | $4,941,000 | 4,248 |
| Average total loans | $33,828,400 | 4,036 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 1,710 |
| Cost of funding earning assets | 3.5503% | 178 |
| Net interest margin | 2.1506% | 4,202 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 2.1242% | 3,277 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | -0.1247% | 4,294 |
| Return on assets (ROA) | -0.1247% | 4,314 |
| Pretax return on assets | -0.1247% | 4,299 |
| Return on Equity (ROE) | -1.3300% | 4,296 |
| Retained earnings to average equity (ytd only) | -1.4148% | 4,166 |
| Net charge-offs to loans | -0.0080% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 100.3534% | 267 |
| Assets per employee ($millions) | 9.3058% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,217 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 64.0300% | 2,524 |
| Net loans and leases to deposits | 101.1115% | 440 |
| Net loans and leases to core deposits | 321.0886% | 18 |
| Total domestic deposits to total assets | 63.3200% | 4,331 |
| Equity capital to assets | 9.3955% | 2,747 |
| Core capital (leverage) ratio | 11.4506% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $53,478,250 | 4,224 |
| Average earning assets | $49,535,000 | 4,205 |
| Average equity | $4,994,750 | 4,266 |
| Average total loans | $33,377,000 | 4,058 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8982% | 1,303 |
| Cost of funding earning assets | 3.4782% | 183 |
| Net interest margin | 2.4200% | 3,977 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.2318% | 2,995 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.0114% | 4,212 |
| Return on assets (ROA) | 0.0114% | 4,244 |
| Pretax return on assets | 0.0114% | 4,230 |
| Return on Equity (ROE) | 0.1200% | 4,240 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | -0.0062% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 94.3820% | 423 |
| Assets per employee ($millions) | 9.1643% | 951 |
| Cash dividends to net income (ytd only)* | 100.0000% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.5000% | 2,813 |
| Net loans and leases to deposits | 96.8194% | 728 |
| Net loans and leases to core deposits | 173.8498% | 89 |
| Total domestic deposits to total assets | 63.5300% | 4,341 |
| Equity capital to assets | 8.8004% | 2,878 |
| Core capital (leverage) ratio | 11.7928% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $52,692,667 | 4,253 |
| Average earning assets | $48,760,333 | 4,229 |
| Average equity | $4,911,000 | 4,281 |
| Average total loans | $32,465,000 | 4,088 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2976% | 750 |
| Cost of funding earning assets | 3.4304% | 183 |
| Net interest margin | 2.8671% | 3,253 |
| Noninterest income to average assets | 0.1300% | 4,079 |
| Noninterest expense to average assets | 2.2659% | 2,892 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.4190% | 3,567 |
| Return on assets (ROA) | 0.4190% | 3,588 |
| Pretax return on assets | 0.4190% | 3,723 |
| Return on Equity (ROE) | 4.3700% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.3663% | 2,603 |
| Net charge-offs to loans | -0.0127% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.5642% | 1,079 |
| Assets per employee ($millions) | 8.6828% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 62.5900% | 2,607 |
| Net loans and leases to deposits | 101.9574% | 402 |
| Net loans and leases to core deposits | 168.8047% | 131 |
| Total domestic deposits to total assets | 61.3900% | 4,412 |
| Equity capital to assets | 9.4094% | 2,394 |
| Core capital (leverage) ratio | 12.4935% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $51,546,000 | 4,288 |
| Average earning assets | $47,574,000 | 4,264 |
| Average equity | $4,947,000 | 4,300 |
| Average total loans | $31,614,500 | 4,125 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 1,887 |
| Cost of funding earning assets | 2.5861% | 304 |
| Net interest margin | 2.4990% | 4,090 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.4216% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0044% | 4,394 |
| Return on assets (ROA) | -0.0044% | 4,374 |
| Pretax return on assets | -0.0044% | 4,357 |
| Return on Equity (ROE) | -0.0400% | 4,348 |
| Retained earnings to average equity (ytd only) | -0.2314% | 4,113 |
| Net charge-offs to loans | -0.0117% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.1826% | 187 |
| Assets per employee ($millions) | 8.4992% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.7900% | 2,970 |
| Net loans and leases to deposits | 99.0027% | 594 |
| Net loans and leases to core deposits | 126.7225% | 467 |
| Total domestic deposits to total assets | 59.3800% | 4,443 |
| Equity capital to assets | 9.7892% | 2,134 |
| Core capital (leverage) ratio | 13.8625% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,300,000 | 4,354 |
| Average earning assets | $41,336,000 | 4,334 |
| Average equity | $4,753,000 | 4,280 |
| Average total loans | $25,652,400 | 4,208 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 1,647 |
| Cost of funding earning assets | 2.4559% | 297 |
| Net interest margin | 2.6364% | 3,972 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.5799% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0456% | 4,456 |
| Return on assets (ROA) | -0.0456% | 4,439 |
| Pretax return on assets | -0.0456% | 4,423 |
| Return on Equity (ROE) | -0.4300% | 4,410 |
| Retained earnings to average equity (ytd only) | -0.6818% | 4,228 |
| Net charge-offs to loans | -0.0054% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 101.7986% | 155 |
| Assets per employee ($millions) | 7.6718% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,430 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 56.4200% | 3,165 |
| Net loans and leases to deposits | 99.9423% | 521 |
| Net loans and leases to core deposits | 137.5563% | 250 |
| Total domestic deposits to total assets | 56.4600% | 4,477 |
| Equity capital to assets | 9.3937% | 2,164 |
| Core capital (leverage) ratio | 14.1820% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $43,876,250 | 4,381 |
| Average earning assets | $39,902,250 | 4,365 |
| Average equity | $4,693,250 | 4,297 |
| Average total loans | $24,492,000 | 4,239 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 2,501 |
| Cost of funding earning assets | 2.3030% | 277 |
| Net interest margin | 2.2575% | 4,387 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.6507% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.4495% | 4,562 |
| Return on assets (ROA) | -0.4495% | 4,556 |
| Pretax return on assets | -0.4495% | 4,546 |
| Return on Equity (ROE) | -4.0300% | 4,531 |
| Retained earnings to average equity (ytd only) | -4.1525% | 4,396 |
| Net charge-offs to loans | -0.0586% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 120.4211% | 70 |
| Assets per employee ($millions) | 7.3808% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 1,973 |
| Loan loss allowance to noncurrent loans | 79.8995% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 545 |
| Noncurrent loans to loans | 1.6141% | 402 |
| Net loans and leases to total assets | 54.9600% | 3,196 |
| Net loans and leases to deposits | 90.6920% | 1,126 |
| Net loans and leases to core deposits | 121.0956% | 488 |
| Total domestic deposits to total assets | 60.6000% | 4,483 |
| Equity capital to assets | 10.6921% | 1,513 |
| Core capital (leverage) ratio | 14.9328% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $43,158,000 | 4,408 |
| Average earning assets | $39,513,000 | 4,392 |
| Average equity | $4,816,333 | 4,307 |
| Average total loans | $23,894,667 | 4,267 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 1,585 |
| Cost of funding earning assets | 1.1496% | 86 |
| Net interest margin | 2.9024% | 3,675 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.7699% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0377% | 4,545 |
| Return on assets (ROA) | 0.1579% | 4,460 |
| Pretax return on assets | 0.1579% | 4,464 |
| Return on Equity (ROE) | 1.2000% | 4,471 |
| Retained earnings to average equity (ytd only) | 1.0956% | 4,178 |
| Net charge-offs to loans | -0.1232% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.6566% | 163 |
| Assets per employee ($millions) | 7.0765% | 1,913 |
| Cash dividends to net income (ytd only)* | 8.9552% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 3,837 |
| Loan loss allowance to noncurrent loans | 68.3007% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 660 |
| Noncurrent loans to loans | 1.2906% | 533 |
| Net loans and leases to total assets | 55.3500% | 3,091 |
| Net loans and leases to deposits | 88.6960% | 1,129 |
| Net loans and leases to core deposits | 110.2148% | 604 |
| Total domestic deposits to total assets | 62.4000% | 4,563 |
| Equity capital to assets | 11.6489% | 1,034 |
| Core capital (leverage) ratio | 16.6964% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5679% | 184 |
| Memoranda: | ||
| Average total assets | $42,419,800 | 4,507 |
| Average earning assets | $38,795,200 | 4,492 |
| Average equity | $5,567,800 | 4,376 |
| Average total loans | $22,732,200 | 4,365 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 1,120 |
| Cost of funding earning assets | 1.0010% | 64 |
| Net interest margin | 3.0683% | 3,028 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.6628% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2798% | 4,400 |
| Return on assets (ROA) | 0.4401% | 4,125 |
| Pretax return on assets | 0.4401% | 4,223 |
| Return on Equity (ROE) | 3.2600% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.1916% | 3,727 |
| Net charge-offs to loans | -0.1245% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.4915% | 308 |
| Assets per employee ($millions) | 6.9090% | 2,014 |
| Cash dividends to net income (ytd only)* | 2.1429% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 3,956 |
| Loan loss allowance to noncurrent loans | 35.1916% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 265 |
| Noncurrent loans to loans | 2.4531% | 217 |
| Net loans and leases to total assets | 55.9600% | 2,905 |
| Net loans and leases to deposits | 90.7835% | 838 |
| Net loans and leases to core deposits | 111.0170% | 437 |
| Total domestic deposits to total assets | 61.6400% | 4,616 |
| Equity capital to assets | 11.8034% | 921 |
| Core capital (leverage) ratio | 16.8570% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5684% | 185 |
| Memoranda: | ||
| Average total assets | $42,410,000 | 4,536 |
| Average earning assets | $38,761,250 | 4,523 |
| Average equity | $5,723,250 | 4,395 |
| Average total loans | $22,488,000 | 4,403 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 1,041 |
| Cost of funding earning assets | 1.0052% | 35 |
| Net interest margin | 2.9387% | 3,061 |
| Noninterest income to average assets | 0.1404% | 4,314 |
| Noninterest expense to average assets | 2.4199% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4025% | 4,102 |
| Return on assets (ROA) | 0.6413% | 3,453 |
| Pretax return on assets | 0.6413% | 3,731 |
| Return on Equity (ROE) | 4.5667% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.4667% | 2,903 |
| Net charge-offs to loans | -0.1262% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7380% | 589 |
| Assets per employee ($millions) | 7.1065% | 1,875 |
| Cash dividends to net income (ytd only)* | 2.1898% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 4,125 |
| Loan loss allowance to noncurrent loans | 33.9130% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 289 |
| Noncurrent loans to loans | 2.4481% | 237 |
| Net loans and leases to total assets | 54.6284% | 2,897 |
| Net loans and leases to deposits | 90.2410% | 703 |
| Net loans and leases to core deposits | 108.7188% | 374 |
| Total domestic deposits to total assets | 60.5361% | 4,687 |
| Equity capital to assets | 12.9248% | 676 |
| Core capital (leverage) ratio | 15.5919% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4801% | 143 |
| Memoranda: | ||
| Average total assets | $42,728,667 | 4,581 |
| Average earning assets | $38,996,667 | 4,580 |
| Average equity | $6,000,000 | 4,411 |
| Average total loans | $22,184,333 | 4,460 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 1,824 |
| Cost of funding earning assets | 0.9741% | 37 |
| Net interest margin | 2.5223% | 3,857 |
| Noninterest income to average assets | 0.1496% | 4,256 |
| Noninterest expense to average assets | 2.5810% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1309% | 4,613 |
| Return on assets (ROA) | 0.3460% | 4,027 |
| Pretax return on assets | 0.3460% | 4,117 |
| Return on Equity (ROE) | 2.3701% | 4,200 |
| Retained earnings to average equity (ytd only) | 2.3701% | 3,442 |
| Net charge-offs to loans | -0.0372% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3435% | 172 |
| Assets per employee ($millions) | 7.0888% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 4,284 |
| Loan loss allowance to noncurrent loans | 31.6062% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 288 |
| Noncurrent loans to loans | 2.4529% | 249 |
| Net loans and leases to total assets | 55.0678% | 2,628 |
| Net loans and leases to deposits | 86.8897% | 684 |
| Net loans and leases to core deposits | 108.1598% | 303 |
| Total domestic deposits to total assets | 63.3767% | 4,712 |
| Equity capital to assets | 14.0079% | 528 |
| Core capital (leverage) ratio | 15.6239% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1759% | 175 |
| Memoranda: | ||
| Average total assets | $42,773,500 | 4,603 |
| Average earning assets | $39,011,500 | 4,601 |
| Average equity | $6,244,500 | 4,445 |
| Average total loans | $21,532,500 | 4,488 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 2,699 |
| Cost of funding earning assets | 1.0644% | 52 |
| Net interest margin | 2.4205% | 4,301 |
| Noninterest income to average assets | 0.1838% | 4,234 |
| Noninterest expense to average assets | 2.4087% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0047% | 4,678 |
| Return on assets (ROA) | 0.0047% | 4,688 |
| Pretax return on assets | 0.0047% | 4,686 |
| Return on Equity (ROE) | 0.0299% | 4,687 |
| Retained earnings to average equity (ytd only) | -0.0599% | 4,503 |
| Net charge-offs to loans | -0.1194% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8047% | 148 |
| Assets per employee ($millions) | 7.1690% | 1,813 |
| Cash dividends to net income (ytd only)* | 300.0000% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,988 |
| Loan loss allowance to noncurrent loans | 25.1040% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.6762% | 228 |
| Noncurrent loans to loans | 3.7050% | 125 |
| Net loans and leases to total assets | 44.8203% | 3,778 |
| Net loans and leases to deposits | 71.5521% | 1,956 |
| Net loans and leases to core deposits | 89.4036% | 993 |
| Total domestic deposits to total assets | 62.6401% | 4,754 |
| Equity capital to assets | 15.1834% | 472 |
| Core capital (leverage) ratio | 15.2614% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9570% | 186 |
| Memoranda: | ||
| Average total assets | $42,429,400 | 4,638 |
| Average earning assets | $39,082,200 | 4,628 |
| Average equity | $6,679,200 | 4,459 |
| Average total loans | $19,260,000 | 4,583 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 2,675 |
| Cost of funding earning assets | 1.0561% | 69 |
| Net interest margin | 2.5005% | 4,275 |
| Noninterest income to average assets | 0.1450% | 4,472 |
| Noninterest expense to average assets | 2.2924% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1671% | 4,653 |
| Return on assets (ROA) | 0.1671% | 4,669 |
| Pretax return on assets | 0.1671% | 4,683 |
| Return on Equity (ROE) | 1.0521% | 4,690 |
| Retained earnings to average equity (ytd only) | 0.9926% | 4,414 |
| Net charge-offs to loans | -0.0972% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2051% | 246 |
| Assets per employee ($millions) | 7.1165% | 1,794 |
| Cash dividends to net income (ytd only)* | 5.6604% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,213 |
| Loan loss allowance to noncurrent loans | 26.2997% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 317 |
| Noncurrent loans to loans | 3.3325% | 176 |
| Net loans and leases to total assets | 45.5584% | 3,825 |
| Net loans and leases to deposits | 73.7918% | 1,880 |
| Net loans and leases to core deposits | 92.6157% | 893 |
| Total domestic deposits to total assets | 61.7392% | 4,828 |
| Equity capital to assets | 15.5413% | 464 |
| Core capital (leverage) ratio | 15.7336% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1226% | 142 |
| Memoranda: | ||
| Average total assets | $42,283,250 | 4,708 |
| Average earning assets | $39,137,250 | 4,693 |
| Average equity | $6,716,250 | 4,518 |
| Average total loans | $19,210,000 | 4,648 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 2,536 |
| Cost of funding earning assets | 1.0623% | 81 |
| Net interest margin | 2.5661% | 4,222 |
| Noninterest income to average assets | 0.1424% | 4,491 |
| Noninterest expense to average assets | 2.2399% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2752% | 4,554 |
| Return on assets (ROA) | 0.2752% | 4,571 |
| Pretax return on assets | 0.2752% | 4,614 |
| Return on Equity (ROE) | 1.7203% | 4,622 |
| Retained earnings to average equity (ytd only) | 1.6313% | 4,205 |
| Net charge-offs to loans | -0.0944% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0566% | 364 |
| Assets per employee ($millions) | 7.1230% | 1,709 |
| Cash dividends to net income (ytd only)* | 5.1724% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 4,307 |
| Loan loss allowance to noncurrent loans | 28.0201% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3945% | 437 |
| Noncurrent loans to loans | 2.9852% | 244 |
| Net loans and leases to total assets | 46.3241% | 3,880 |
| Net loans and leases to deposits | 76.2341% | 1,796 |
| Net loans and leases to core deposits | 93.6341% | 921 |
| Total domestic deposits to total assets | 60.7656% | 4,867 |
| Equity capital to assets | 15.7682% | 436 |
| Core capital (leverage) ratio | 15.7924% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4168% | 153 |
| Memoranda: | ||
| Average total assets | $42,144,667 | 4,738 |
| Average earning assets | $38,970,333 | 4,725 |
| Average equity | $6,743,000 | 4,536 |
| Average total loans | $19,071,667 | 4,682 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 2,469 |
| Cost of funding earning assets | 1.0892% | 89 |
| Net interest margin | 2.5725% | 4,199 |
| Noninterest income to average assets | 0.1338% | 4,537 |
| Noninterest expense to average assets | 2.2367% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2676% | 4,565 |
| Return on assets (ROA) | 0.2676% | 4,592 |
| Pretax return on assets | 0.2676% | 4,630 |
| Return on Equity (ROE) | 1.6605% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.6605% | 4,080 |
| Net charge-offs to loans | -0.1289% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3130% | 395 |
| Assets per employee ($millions) | 8.2520% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 4,219 |
| Loan loss allowance to noncurrent loans | 21.8375% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 303 |
| Noncurrent loans to loans | 4.0244% | 137 |
| Net loans and leases to total assets | 44.8303% | 4,052 |
| Net loans and leases to deposits | 75.7050% | 1,943 |
| Net loans and leases to core deposits | 95.4733% | 905 |
| Total domestic deposits to total assets | 59.2172% | 4,890 |
| Equity capital to assets | 16.2312% | 369 |
| Core capital (leverage) ratio | 15.6434% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5807% | 176 |
| Memoranda: | ||
| Average total assets | $41,848,000 | 4,764 |
| Average earning assets | $38,561,000 | 4,747 |
| Average equity | $6,745,000 | 4,550 |
| Average total loans | $18,625,000 | 4,716 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 2,838 |
| Cost of funding earning assets | 1.4756% | 93 |
| Net interest margin | 2.4895% | 4,601 |
| Noninterest income to average assets | 0.1559% | 4,513 |
| Noninterest expense to average assets | 2.6427% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.2494% | 4,828 |
| Return on assets (ROA) | 0.0288% | 4,748 |
| Pretax return on assets | 0.0288% | 4,745 |
| Return on Equity (ROE) | 0.1753% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.0876% | 4,495 |
| Net charge-offs to loans | -0.0920% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4208% | 117 |
| Assets per employee ($millions) | 8.4872% | 897 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,322 |
| Loan loss allowance to noncurrent loans | 20.8169% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7886% | 347 |
| Noncurrent loans to loans | 4.0831% | 133 |
| Net loans and leases to total assets | 43.4325% | 4,277 |
| Net loans and leases to deposits | 72.9074% | 2,597 |
| Net loans and leases to core deposits | 92.2149% | 1,372 |
| Total domestic deposits to total assets | 59.5721% | 4,915 |
| Equity capital to assets | 16.0076% | 426 |
| Core capital (leverage) ratio | 15.5091% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6934% | 166 |
| Memoranda: | ||
| Average total assets | $41,700,200 | 4,749 |
| Average earning assets | $37,476,800 | 4,746 |
| Average equity | $6,846,400 | 4,546 |
| Average total loans | $18,470,800 | 4,742 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 2,855 |
| Cost of funding earning assets | 1.5640% | 93 |
| Net interest margin | 2.4773% | 4,674 |
| Noninterest income to average assets | 0.1798% | 4,392 |
| Noninterest expense to average assets | 2.4375% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0450% | 4,790 |
| Return on assets (ROA) | 0.3276% | 4,451 |
| Pretax return on assets | 0.3276% | 4,519 |
| Return on Equity (ROE) | 1.9825% | 4,551 |
| Retained earnings to average equity (ytd only) | 1.9242% | 3,956 |
| Net charge-offs to loans | -0.1012% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8792% | 156 |
| Assets per employee ($millions) | 8.4218% | 871 |
| Cash dividends to net income (ytd only)* | 2.9412% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,285 |
| Loan loss allowance to noncurrent loans | 16.3848% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.2466% | 261 |
| Noncurrent loans to loans | 5.0716% | 105 |
| Net loans and leases to total assets | 43.9289% | 4,420 |
| Net loans and leases to deposits | 76.1047% | 2,743 |
| Net loans and leases to core deposits | 94.6480% | 1,582 |
| Total domestic deposits to total assets | 57.7216% | 4,944 |
| Equity capital to assets | 16.4122% | 426 |
| Core capital (leverage) ratio | 15.8448% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1838% | 176 |
| Memoranda: | ||
| Average total assets | $41,516,250 | 4,773 |
| Average earning assets | $37,082,750 | 4,776 |
| Average equity | $6,859,750 | 4,563 |
| Average total loans | $18,441,250 | 4,774 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 3,154 |
| Cost of funding earning assets | 1.6138% | 105 |
| Net interest margin | 2.4480% | 4,765 |
| Noninterest income to average assets | 0.1549% | 4,524 |
| Noninterest expense to average assets | 2.4589% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1307% | 4,840 |
| Return on assets (ROA) | 0.4308% | 4,231 |
| Pretax return on assets | 0.4308% | 4,374 |
| Return on Equity (ROE) | 2.6013% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.5136% | 3,574 |
| Net charge-offs to loans | -0.0980% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6133% | 136 |
| Assets per employee ($millions) | 8.3132% | 862 |
| Cash dividends to net income (ytd only)* | 3.3708% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,188 |
| Loan loss allowance to noncurrent loans | 10.0332% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 3.6207% | 104 |
| Noncurrent loans to loans | 8.4803% | 38 |
| Net loans and leases to total assets | 42.3327% | 4,522 |
| Net loans and leases to deposits | 73.1004% | 3,156 |
| Net loans and leases to core deposits | 88.6538% | 2,185 |
| Total domestic deposits to total assets | 57.9103% | 4,978 |
| Equity capital to assets | 16.6530% | 408 |
| Core capital (leverage) ratio | 15.9376% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6133% | 204 |
| Memoranda: | ||
| Average total assets | $41,318,667 | 4,796 |
| Average earning assets | $36,682,667 | 4,807 |
| Average equity | $6,842,667 | 4,586 |
| Average total loans | $18,370,667 | 4,807 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 3,377 |
| Cost of funding earning assets | 1.7164% | 119 |
| Net interest margin | 2.4334% | 4,857 |
| Noninterest income to average assets | 0.2330% | 4,154 |
| Noninterest expense to average assets | 2.6994% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2913% | 4,885 |
| Return on assets (ROA) | -0.2233% | 4,835 |
| Pretax return on assets | -0.2233% | 4,820 |
| Return on Equity (ROE) | -1.3523% | 4,814 |
| Retained earnings to average equity (ytd only) | -1.3523% | 4,182 |
| Net charge-offs to loans | -0.1071% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0968% | 141 |
| Assets per employee ($millions) | 6.8832% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,381 |
| Loan loss allowance to noncurrent loans | 11.0106% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.2107% | 171 |
| Noncurrent loans to loans | 7.3786% | 55 |
| Net loans and leases to total assets | 43.1609% | 4,539 |
| Net loans and leases to deposits | 75.4497% | 3,126 |
| Net loans and leases to core deposits | 90.6110% | 2,285 |
| Total domestic deposits to total assets | 57.2048% | 5,039 |
| Equity capital to assets | 16.6929% | 479 |
| Core capital (leverage) ratio | 15.8760% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3361% | 193 |
| Memoranda: | ||
| Average total assets | $41,195,000 | 4,829 |
| Average earning assets | $36,821,000 | 4,838 |
| Average equity | $6,803,000 | 4,620 |
| Average total loans | $18,682,500 | 4,834 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 2,322 |
| Cost of funding earning assets | 1.6549% | 237 |
| Net interest margin | 3.0472% | 4,453 |
| Noninterest income to average assets | 0.1109% | 4,898 |
| Noninterest expense to average assets | 2.7431% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1495% | 4,889 |
| Return on assets (ROA) | 0.1856% | 4,872 |
| Pretax return on assets | 0.1856% | 4,895 |
| Return on Equity (ROE) | 1.0843% | 4,909 |
| Retained earnings to average equity (ytd only) | 0.8885% | 4,418 |
| Net charge-offs to loans | -0.1032% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8307% | 231 |
| Assets per employee ($millions) | 6.8485% | 1,107 |
| Cash dividends to net income (ytd only)* | 18.0556% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,515 |
| Loan loss allowance to noncurrent loans | 41.9643% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 1,582 |
| Noncurrent loans to loans | 1.7325% | 789 |
| Net loans and leases to total assets | 46.8545% | 4,487 |
| Net loans and leases to deposits | 83.1807% | 2,420 |
| Net loans and leases to core deposits | 101.5346% | 1,440 |
| Total domestic deposits to total assets | 56.3286% | 5,104 |
| Equity capital to assets | 16.3345% | 547 |
| Core capital (leverage) ratio | 16.2803% | 487 |
| Tier 1 risk-based capital ratio | 34.6048% | 337 |
| Total risk-based capital ratio | 35.3487% | 345 |
| Memoranda: | ||
| Average total assets | $38,788,200 | 4,914 |
| Average earning assets | $35,409,600 | 4,907 |
| Average equity | $6,640,200 | 4,677 |
| Average total loans | $19,380,200 | 4,877 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 2,418 |
| Cost of funding earning assets | 1.6382% | 259 |
| Net interest margin | 3.0620% | 4,539 |
| Noninterest income to average assets | 0.1640% | 4,731 |
| Noninterest expense to average assets | 2.6657% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2896% | 4,857 |
| Return on assets (ROA) | 0.3384% | 4,823 |
| Pretax return on assets | 0.3384% | 4,866 |
| Return on Equity (ROE) | 1.9530% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.8322% | 4,329 |
| Net charge-offs to loans | -0.1032% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2007% | 317 |
| Assets per employee ($millions) | 6.5110% | 1,265 |
| Cash dividends to net income (ytd only)* | 6.1857% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 4,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.6374% | 4,388 |
| Net loans and leases to deposits | 93.9405% | 1,223 |
| Net loans and leases to core deposits | 106.9991% | 1,111 |
| Total domestic deposits to total assets | 53.9037% | 5,192 |
| Equity capital to assets | 17.3629% | 456 |
| Core capital (leverage) ratio | 17.0000% | 444 |
| Tier 1 risk-based capital ratio | 35.9921% | 318 |
| Total risk-based capital ratio | 36.7416% | 327 |
| Memoranda: | ||
| Average total assets | $38,212,500 | 4,996 |
| Average earning assets | $34,834,750 | 4,990 |
| Average equity | $6,622,250 | 4,737 |
| Average total loans | $19,376,750 | 4,948 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 2,398 |
| Cost of funding earning assets | 1.5957% | 277 |
| Net interest margin | 3.0932% | 4,547 |
| Noninterest income to average assets | 0.1635% | 4,772 |
| Noninterest expense to average assets | 2.6418% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3428% | 4,813 |
| Return on assets (ROA) | 0.3428% | 4,828 |
| Pretax return on assets | 0.3428% | 4,896 |
| Return on Equity (ROE) | 1.9791% | 4,939 |
| Retained earnings to average equity (ytd only) | 1.7964% | 4,177 |
| Net charge-offs to loans | -0.1146% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5159% | 416 |
| Assets per employee ($millions) | 6.3468% | 1,309 |
| Cash dividends to net income (ytd only)* | 9.2308% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6833% | 4,741 |
| Loan loss allowance to noncurrent loans | 74.1573% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 2,664 |
| Noncurrent loans to loans | 0.9215% | 1,778 |
| Net loans and leases to total assets | 50.3795% | 4,452 |
| Net loans and leases to deposits | 95.2771% | 1,118 |
| Net loans and leases to core deposits | 107.5996% | 1,130 |
| Total domestic deposits to total assets | 52.8768% | 5,244 |
| Equity capital to assets | 17.6518% | 415 |
| Core capital (leverage) ratio | 17.2019% | 409 |
| Tier 1 risk-based capital ratio | 36.7943% | 297 |
| Total risk-based capital ratio | 37.5351% | 297 |
| Memoranda: | ||
| Average total assets | $37,928,000 | 5,038 |
| Average earning assets | $34,592,330 | 5,033 |
| Average equity | $6,568,670 | 4,773 |
| Average total loans | $19,196,000 | 4,992 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,645 |
| Cost of funding earning assets | 1.5345% | 291 |
| Net interest margin | 3.3479% | 4,035 |
| Noninterest income to average assets | 0.1691% | 4,727 |
| Noninterest expense to average assets | 2.7264% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4861% | 4,556 |
| Return on assets (ROA) | 0.4861% | 4,577 |
| Pretax return on assets | 0.4861% | 4,717 |
| Return on Equity (ROE) | 2.8343% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.8343% | 3,805 |
| Net charge-offs to loans | -0.1254% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8684% | 652 |
| Assets per employee ($millions) | 6.3253% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 4,832 |
| Loan loss allowance to noncurrent loans | 69.7802% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 2,689 |
| Noncurrent loans to loans | 0.9580% | 1,745 |
| Net loans and leases to total assets | 49.7233% | 4,487 |
| Net loans and leases to deposits | 93.5180% | 1,226 |
| Net loans and leases to core deposits | 104.0642% | 1,312 |
| Total domestic deposits to total assets | 53.1698% | 5,306 |
| Equity capital to assets | 17.3614% | 411 |
| Core capital (leverage) ratio | 17.4557% | 380 |
| Tier 1 risk-based capital ratio | 38.2903% | 255 |
| Total risk-based capital ratio | 39.0284% | 258 |
| Memoranda: | ||
| Average total assets | $37,851,500 | 5,094 |
| Average earning assets | $34,409,500 | 5,093 |
| Average equity | $6,492,000 | 4,820 |
| Average total loans | $19,135,500 | 5,054 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 2,121 |
| Cost of funding earning assets | 1.2936% | 225 |
| Net interest margin | 3.3098% | 4,224 |
| Noninterest income to average assets | 0.2813% | 4,218 |
| Noninterest expense to average assets | 2.9209% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3705% | 4,907 |
| Return on assets (ROA) | 0.3705% | 4,904 |
| Pretax return on assets | 0.3705% | 4,968 |
| Return on Equity (ROE) | 2.1513% | 5,024 |
| Retained earnings to average equity (ytd only) | 1.9472% | 4,371 |
| Net charge-offs to loans | -0.0927% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7428% | 401 |
| Assets per employee ($millions) | 6.2918% | 1,326 |
| Cash dividends to net income (ytd only)* | 9.4891% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 4,928 |
| Loan loss allowance to noncurrent loans | 42.4561% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 1,847 |
| Noncurrent loans to loans | 1.4788% | 1,036 |
| Net loans and leases to total assets | 50.7324% | 4,473 |
| Net loans and leases to deposits | 94.8025% | 1,192 |
| Net loans and leases to core deposits | 101.2797% | 1,627 |
| Total domestic deposits to total assets | 53.5138% | 5,354 |
| Equity capital to assets | 16.9399% | 422 |
| Core capital (leverage) ratio | 17.7127% | 356 |
| Tier 1 risk-based capital ratio | 37.8762% | 259 |
| Total risk-based capital ratio | 38.5737% | 268 |
| Memoranda: | ||
| Average total assets | $36,975,000 | 5,144 |
| Average earning assets | $33,627,000 | 5,142 |
| Average equity | $6,368,200 | 4,843 |
| Average total loans | $18,333,600 | 5,112 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 2,077 |
| Cost of funding earning assets | 1.2355% | 211 |
| Net interest margin | 3.3319% | 4,197 |
| Noninterest income to average assets | 0.3154% | 4,044 |
| Noninterest expense to average assets | 2.7042% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6416% | 4,392 |
| Return on assets (ROA) | 0.6416% | 4,401 |
| Pretax return on assets | 0.6416% | 4,653 |
| Return on Equity (ROE) | 3.7097% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.5839% | 3,974 |
| Net charge-offs to loans | -0.1032% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8234% | 874 |
| Assets per employee ($millions) | 6.1780% | 1,365 |
| Cash dividends to net income (ytd only)* | 3.3900% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 5,007 |
| Loan loss allowance to noncurrent loans | 108.2569% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,513 |
| Noncurrent loans to loans | 0.5751% | 2,653 |
| Net loans and leases to total assets | 50.8120% | 4,539 |
| Net loans and leases to deposits | 95.6140% | 1,198 |
| Net loans and leases to core deposits | 102.3030% | 1,580 |
| Total domestic deposits to total assets | 53.1429% | 5,421 |
| Equity capital to assets | 16.9472% | 423 |
| Core capital (leverage) ratio | 15.9435% | 524 |
| Tier 1 risk-based capital ratio | 33.8648% | 349 |
| Total risk-based capital ratio | 34.5415% | 353 |
| Memoranda: | ||
| Average total assets | $36,781,000 | 5,210 |
| Average earning assets | $33,453,750 | 5,208 |
| Average equity | $6,361,500 | 4,896 |
| Average total loans | $18,098,750 | 5,179 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 2,272 |
| Cost of funding earning assets | 1.2119% | 177 |
| Net interest margin | 3.2338% | 4,426 |
| Noninterest income to average assets | 0.3162% | 4,062 |
| Noninterest expense to average assets | 2.6986% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5561% | 4,615 |
| Return on assets (ROA) | 0.5561% | 4,615 |
| Pretax return on assets | 0.5561% | 4,805 |
| Return on Equity (ROE) | 3.1935% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.0056% | 4,051 |
| Net charge-offs to loans | -0.1010% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9146% | 767 |
| Assets per employee ($millions) | 6.1747% | 1,346 |
| Cash dividends to net income (ytd only)* | 5.8824% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6156% | 5,074 |
| Loan loss allowance to noncurrent loans | 84.4444% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,281 |
| Noncurrent loans to loans | 0.7289% | 2,284 |
| Net loans and leases to total assets | 49.6815% | 4,625 |
| Net loans and leases to deposits | 93.7026% | 1,388 |
| Net loans and leases to core deposits | 100.2505% | 1,717 |
| Total domestic deposits to total assets | 53.0204% | 5,488 |
| Equity capital to assets | 17.0428% | 400 |
| Core capital (leverage) ratio | 15.7641% | 536 |
| Tier 1 risk-based capital ratio | 33.3696% | 363 |
| Total risk-based capital ratio | 34.0230% | 379 |
| Memoranda: | ||
| Average total assets | $36,685,330 | 5,274 |
| Average earning assets | $33,335,330 | 5,272 |
| Average equity | $6,388,000 | 4,946 |
| Average total loans | $17,814,000 | 5,245 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,953 |
| Cost of funding earning assets | 1.1844% | 150 |
| Net interest margin | 3.2873% | 4,226 |
| Noninterest income to average assets | 0.4274% | 3,267 |
| Noninterest expense to average assets | 2.8600% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5479% | 4,584 |
| Return on assets (ROA) | 0.5479% | 4,587 |
| Pretax return on assets | 0.5479% | 4,793 |
| Return on Equity (ROE) | 3.1128% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.1128% | 3,959 |
| Net charge-offs to loans | -0.1145% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9228% | 803 |
| Assets per employee ($millions) | 6.0458% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 5,165 |
| Loan loss allowance to noncurrent loans | 76.7606% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 3,274 |
| Noncurrent loans to loans | 0.7961% | 2,218 |
| Net loans and leases to total assets | 48.8711% | 4,638 |
| Net loans and leases to deposits | 94.0677% | 1,220 |
| Net loans and leases to core deposits | 100.9280% | 1,618 |
| Total domestic deposits to total assets | 51.9531% | 5,552 |
| Equity capital to assets | 17.4886% | 360 |
| Core capital (leverage) ratio | 17.7903% | 322 |
| Tier 1 risk-based capital ratio | 46.4580% | 158 |
| Total risk-based capital ratio | 47.2387% | 161 |
| Memoranda: | ||
| Average total assets | $36,504,000 | 5,334 |
| Average earning assets | $33,097,500 | 5,334 |
| Average equity | $6,425,000 | 4,993 |
| Average total loans | $17,461,000 | 5,312 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,183 |
| Cost of funding earning assets | 1.0843% | 139 |
| Net interest margin | 3.2650% | 4,271 |
| Noninterest income to average assets | 0.1918% | 4,996 |
| Noninterest expense to average assets | 2.9355% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1344% | 5,212 |
| Return on assets (ROA) | 0.1362% | 5,219 |
| Pretax return on assets | 0.2224% | 5,287 |
| Return on Equity (ROE) | 0.7510% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.5518% | 4,817 |
| Net charge-offs to loans | 0.2252% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.0789% | 3,801 |
| Efficiency ratio | 93.0396% | 323 |
| Assets per employee ($millions) | 6.1222% | 1,434 |
| Cash dividends to net income (ytd only)* | 26.5306% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6087% | 5,226 |
| Loan loss allowance to noncurrent loans | 68.8742% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,644 |
| Noncurrent loans to loans | 0.8838% | 2,015 |
| Net loans and leases to total assets | 46.2282% | 4,879 |
| Net loans and leases to deposits | 88.7803% | 1,925 |
| Net loans and leases to core deposits | 96.4939% | 1,982 |
| Total domestic deposits to total assets | 52.0703% | 5,618 |
| Equity capital to assets | 17.7116% | 336 |
| Core capital (leverage) ratio | 17.4160% | 337 |
| Tier 1 risk-based capital ratio | 45.5032% | 153 |
| Total risk-based capital ratio | 46.2449% | 155 |
| Memoranda: | ||
| Average total assets | $35,973,600 | 5,396 |
| Average earning assets | $32,649,200 | 5,393 |
| Average equity | $6,524,400 | 5,023 |
| Average total loans | $16,874,400 | 5,394 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 2,163 |
| Cost of funding earning assets | 1.0587% | 146 |
| Net interest margin | 3.2744% | 4,244 |
| Noninterest income to average assets | 0.1863% | 5,084 |
| Noninterest expense to average assets | 2.6753% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4844% | 4,775 |
| Return on assets (ROA) | 0.4844% | 4,814 |
| Pretax return on assets | 0.4844% | 5,060 |
| Return on Equity (ROE) | 2.6548% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.5322% | 4,377 |
| Net charge-offs to loans | -0.1585% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6698% | 708 |
| Assets per employee ($millions) | 6.0650% | 1,445 |
| Cash dividends to net income (ytd only)* | 4.6155% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,264 |
| Loan loss allowance to noncurrent loans | 44.2623% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 1,689 |
| Noncurrent loans to loans | 2.1784% | 750 |
| Net loans and leases to total assets | 45.7241% | 4,954 |
| Net loans and leases to deposits | 89.0500% | 1,918 |
| Net loans and leases to core deposits | 98.4149% | 1,852 |
| Total domestic deposits to total assets | 51.3465% | 5,688 |
| Equity capital to assets | 18.1753% | 322 |
| Core capital (leverage) ratio | 17.7461% | 318 |
| Tier 1 risk-based capital ratio | 47.6406% | 142 |
| Total risk-based capital ratio | 48.8407% | 143 |
| Memoranda: | ||
| Average total assets | $35,783,750 | 5,462 |
| Average earning assets | $32,493,250 | 5,453 |
| Average equity | $6,529,000 | 5,073 |
| Average total loans | $16,821,750 | 5,455 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 2,146 |
| Cost of funding earning assets | 1.0212% | 159 |
| Net interest margin | 3.2741% | 4,196 |
| Noninterest income to average assets | 0.1855% | 5,122 |
| Noninterest expense to average assets | 2.6643% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4946% | 4,720 |
| Return on assets (ROA) | 0.4946% | 4,756 |
| Pretax return on assets | 0.4946% | 5,012 |
| Return on Equity (ROE) | 2.7074% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.5228% | 4,173 |
| Net charge-offs to loans | -0.0238% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3416% | 816 |
| Assets per employee ($millions) | 6.0283% | 1,442 |
| Cash dividends to net income (ytd only)* | 6.8182% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,830 |
| Loan loss allowance to noncurrent loans | 26.5193% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5012% | 1,015 |
| Noncurrent loans to loans | 3.1803% | 388 |
| Net loans and leases to total assets | 46.8067% | 4,897 |
| Net loans and leases to deposits | 92.6199% | 1,413 |
| Net loans and leases to core deposits | 99.5648% | 1,681 |
| Total domestic deposits to total assets | 50.5364% | 5,738 |
| Equity capital to assets | 18.2223% | 311 |
| Core capital (leverage) ratio | 17.8523% | 307 |
| Tier 1 risk-based capital ratio | 49.7778% | 121 |
| Total risk-based capital ratio | 50.9006% | 120 |
| Memoranda: | ||
| Average total assets | $35,581,670 | 5,511 |
| Average earning assets | $32,314,670 | 5,502 |
| Average equity | $6,500,670 | 5,103 |
| Average total loans | $16,828,670 | 5,499 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 1,960 |
| Cost of funding earning assets | 0.9864% | 177 |
| Net interest margin | 3.3088% | 3,978 |
| Noninterest income to average assets | 0.1814% | 5,184 |
| Noninterest expense to average assets | 2.8905% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2947% | 5,208 |
| Return on assets (ROA) | 0.2947% | 5,221 |
| Pretax return on assets | 0.2947% | 5,316 |
| Return on Equity (ROE) | 1.6110% | 5,399 |
| Retained earnings to average equity (ytd only) | 1.6110% | 4,462 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7473% | 518 |
| Assets per employee ($millions) | 5.8958% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,945 |
| Loan loss allowance to noncurrent loans | 38.4824% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 1,740 |
| Noncurrent loans to loans | 2.1911% | 776 |
| Net loans and leases to total assets | 47.2057% | 4,875 |
| Net loans and leases to deposits | 94.3980% | 1,075 |
| Net loans and leases to core deposits | 100.1920% | 1,494 |
| Total domestic deposits to total assets | 50.0071% | 5,804 |
| Equity capital to assets | 18.2473% | 290 |
| Core capital (leverage) ratio | 18.2836% | 271 |
| Tier 1 risk-based capital ratio | 50.2249% | 128 |
| Total risk-based capital ratio | 51.3452% | 124 |
| Memoranda: | ||
| Average total assets | $35,287,500 | 5,578 |
| Average earning assets | $32,036,000 | 5,574 |
| Average equity | $6,455,500 | 5,160 |
| Average total loans | $16,706,000 | 5,559 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 2,471 |
| Cost of funding earning assets | 0.9036% | 291 |
| Net interest margin | 3.3016% | 4,141 |
| Noninterest income to average assets | 0.2783% | 4,752 |
| Noninterest expense to average assets | 2.9423% | 2,521 |
| Loan and lease loss provision to assets | 0.1160% | 2,135 |
| Net operating income to assets | 0.4406% | 4,826 |
| Return on assets (ROA) | 0.4406% | 4,909 |
| Pretax return on assets | 0.2174% | 5,481 |
| Return on Equity (ROE) | 2.2712% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.0770% | 4,354 |
| Net charge-offs to loans | 0.4380% | 582 |
| Credit loss provision to net charge-offs | 55.5556% | 3,309 |
| Earnings coverage of net charge-offs (x) | 1.5972% | 3,965 |
| Efficiency ratio | 89.8230% | 567 |
| Assets per employee ($millions) | 5.8667% | 1,567 |
| Cash dividends to net income (ytd only)* | 8.5526% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,940 |
| Loan loss allowance to noncurrent loans | 37.8667% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 1,768 |
| Noncurrent loans to loans | 2.2630% | 740 |
| Net loans and leases to total assets | 46.6733% | 4,974 |
| Net loans and leases to deposits | 93.2724% | 1,268 |
| Net loans and leases to core deposits | 99.0116% | 1,707 |
| Total domestic deposits to total assets | 50.0398% | 5,864 |
| Equity capital to assets | 18.3409% | 282 |
| Core capital (leverage) ratio | 17.5082% | 315 |
| Tier 1 risk-based capital ratio | 49.0163% | 141 |
| Total risk-based capital ratio | 50.1162% | 141 |
| Memoranda: | ||
| Average total assets | $34,496,800 | 5,641 |
| Average earning assets | $31,318,000 | 5,642 |
| Average equity | $6,692,400 | 5,151 |
| Average total loans | $16,439,400 | 5,630 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 2,600 |
| Cost of funding earning assets | 0.8798% | 322 |
| Net interest margin | 3.2929% | 4,209 |
| Noninterest income to average assets | 0.3105% | 4,544 |
| Noninterest expense to average assets | 2.6391% | 3,542 |
| Loan and lease loss provision to assets | 0.1979% | 1,072 |
| Net operating income to assets | 0.7025% | 3,835 |
| Return on assets (ROA) | 0.7025% | 3,964 |
| Pretax return on assets | 0.4657% | 5,196 |
| Return on Equity (ROE) | 3.5746% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.4561% | 3,825 |
| Net charge-offs to loans | 0.5840% | 358 |
| Credit loss provision to net charge-offs | 70.8333% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.3749% | 3,582 |
| Efficiency ratio | 79.9060% | 1,439 |
| Assets per employee ($millions) | 5.8670% | 1,534 |
| Cash dividends to net income (ytd only)* | 3.3150% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 5,084 |
| Loan loss allowance to noncurrent loans | 33.9713% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.1874% | 1,677 |
| Noncurrent loans to loans | 2.4619% | 719 |
| Net loans and leases to total assets | 47.8297% | 4,972 |
| Net loans and leases to deposits | 98.5427% | 805 |
| Net loans and leases to core deposits | 103.1869% | 1,402 |
| Total domestic deposits to total assets | 48.5370% | 5,931 |
| Equity capital to assets | 19.3881% | 249 |
| Core capital (leverage) ratio | 19.3504% | 218 |
| Tier 1 risk-based capital ratio | 49.2010% | 138 |
| Total risk-based capital ratio | 50.2919% | 140 |
| Memoranda: | ||
| Average total assets | $34,353,750 | 5,704 |
| Average earning assets | $31,218,000 | 5,700 |
| Average equity | $6,751,250 | 5,191 |
| Average total loans | $16,439,250 | 5,688 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,659 |
| Cost of funding earning assets | 0.8488% | 380 |
| Net interest margin | 3.3053% | 4,213 |
| Noninterest income to average assets | 0.3689% | 4,110 |
| Noninterest expense to average assets | 2.6699% | 3,487 |
| Loan and lease loss provision to assets | 0.2342% | 854 |
| Net operating income to assets | 0.9895% | 2,435 |
| Return on assets (ROA) | 0.9895% | 2,578 |
| Pretax return on assets | 0.4743% | 5,189 |
| Return on Equity (ROE) | 5.0503% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.8710% | 2,808 |
| Net charge-offs to loans | 0.8809% | 222 |
| Credit loss provision to net charge-offs | 55.5556% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.6806% | 3,372 |
| Efficiency ratio | 79.0295% | 1,632 |
| Assets per employee ($millions) | 5.8982% | 1,480 |
| Cash dividends to net income (ytd only)* | 3.5503% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 5,203 |
| Loan loss allowance to noncurrent loans | 32.9466% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 1,696 |
| Noncurrent loans to loans | 2.5118% | 689 |
| Net loans and leases to total assets | 48.0856% | 4,990 |
| Net loans and leases to deposits | 102.6791% | 525 |
| Net loans and leases to core deposits | 107.6616% | 1,055 |
| Total domestic deposits to total assets | 46.8309% | 6,011 |
| Equity capital to assets | 19.4608% | 234 |
| Core capital (leverage) ratio | 17.4617% | 328 |
| Tier 1 risk-based capital ratio | 48.1091% | 149 |
| Total risk-based capital ratio | 49.2186% | 149 |
| Memoranda: | ||
| Average total assets | $34,158,670 | 5,775 |
| Average earning assets | $31,101,670 | 5,770 |
| Average equity | $6,692,670 | 5,249 |
| Average total loans | $16,347,000 | 5,762 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,664 |
| Cost of funding earning assets | 0.8397% | 401 |
| Net interest margin | 3.3064% | 4,200 |
| Noninterest income to average assets | 0.1908% | 5,364 |
| Noninterest expense to average assets | 2.9454% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2998% | 1,253 |
| Return on assets (ROA) | 1.2998% | 1,341 |
| Pretax return on assets | 0.2504% | 5,582 |
| Return on Equity (ROE) | 6.6106% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.6106% | 2,075 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1642% | 540 |
| Assets per employee ($millions) | 5.7160% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 4,053 |
| Loan loss allowance to noncurrent loans | 33.5907% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 1,304 |
| Noncurrent loans to loans | 3.2721% | 450 |
| Net loans and leases to total assets | 45.6526% | 5,144 |
| Net loans and leases to deposits | 99.8915% | 628 |
| Net loans and leases to core deposits | 105.0241% | 1,135 |
| Total domestic deposits to total assets | 45.7021% | 6,074 |
| Equity capital to assets | 19.6787% | 225 |
| Core capital (leverage) ratio | 18.2652% | 278 |
| Tier 1 risk-based capital ratio | 50.4799% | 130 |
| Total risk-based capital ratio | 51.7270% | 128 |
| Memoranda: | ||
| Average total assets | $33,543,500 | 5,844 |
| Average earning assets | $30,486,500 | 5,838 |
| Average equity | $6,595,500 | 5,307 |
| Average total loans | $15,941,000 | 5,820 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,203 |
| Cost of funding earning assets | 0.7026% | 813 |
| Net interest margin | 3.6062% | 3,104 |
| Noninterest income to average assets | 0.0907% | 5,903 |
| Noninterest expense to average assets | 2.8740% | 2,954 |
| Loan and lease loss provision to assets | 0.1032% | 2,263 |
| Net operating income to assets | 0.2502% | 5,481 |
| Return on assets (ROA) | 0.2502% | 5,549 |
| Pretax return on assets | 0.3878% | 5,347 |
| Return on Equity (ROE) | 1.2330% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.0326% | 5,106 |
| Net charge-offs to loans | 0.8273% | 265 |
| Credit loss provision to net charge-offs | 25.7813% | 3,697 |
| Earnings coverage of net charge-offs (x) | 1.2266% | 4,124 |
| Efficiency ratio | 85.4089% | 1,051 |
| Assets per employee ($millions) | 5.4652% | 1,844 |
| Cash dividends to net income (ytd only)* | 16.2500% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 4,508 |
| Loan loss allowance to noncurrent loans | 30.6968% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 1,213 |
| Noncurrent loans to loans | 3.3082% | 449 |
| Net loans and leases to total assets | 48.4523% | 4,978 |
| Net loans and leases to deposits | 107.7518% | 306 |
| Net loans and leases to core deposits | 115.7174% | 609 |
| Total domestic deposits to total assets | 44.9666% | 6,133 |
| Equity capital to assets | 19.6456% | 219 |
| Core capital (leverage) ratio | 18.5479% | 259 |
| Tier 1 risk-based capital ratio | 46.0295% | 155 |
| Total risk-based capital ratio | 47.2552% | 152 |
| Memoranda: | ||
| Average total assets | $31,975,800 | 5,928 |
| Average earning assets | $29,033,200 | 5,920 |
| Average equity | $6,488,400 | 5,348 |
| Average total loans | $15,472,200 | 5,882 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,202 |
| Cost of funding earning assets | 0.6748% | 956 |
| Net interest margin | 3.6328% | 3,021 |
| Noninterest income to average assets | 0.0504% | 6,096 |
| Noninterest expense to average assets | 2.5641% | 4,003 |
| Loan and lease loss provision to assets | 0.1385% | 1,606 |
| Net operating income to assets | 0.4910% | 4,825 |
| Return on assets (ROA) | 0.4910% | 4,914 |
| Pretax return on assets | 0.6463% | 4,837 |
| Return on Equity (ROE) | 2.4000% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.2769% | 4,749 |
| Net charge-offs to loans | 1.1134% | 159 |
| Credit loss provision to net charge-offs | 25.7813% | 3,317 |
| Earnings coverage of net charge-offs (x) | 1.4610% | 3,829 |
| Efficiency ratio | 76.5664% | 2,150 |
| Assets per employee ($millions) | 5.4493% | 1,827 |
| Cash dividends to net income (ytd only)* | 5.1282% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 4,551 |
| Loan loss allowance to noncurrent loans | 28.1034% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 1.7739% | 1,213 |
| Noncurrent loans to loans | 3.6842% | 397 |
| Net loans and leases to total assets | 47.6511% | 5,107 |
| Net loans and leases to deposits | 106.7343% | 342 |
| Net loans and leases to core deposits | 114.7022% | 645 |
| Total domestic deposits to total assets | 44.6446% | 6,221 |
| Equity capital to assets | 20.1493% | 229 |
| Core capital (leverage) ratio | 18.6802% | 261 |
| Tier 1 risk-based capital ratio | 45.5454% | 177 |
| Total risk-based capital ratio | 46.7606% | 173 |
| Memoranda: | ||
| Average total assets | $31,772,000 | 6,010 |
| Average earning assets | $28,847,250 | 6,004 |
| Average equity | $6,500,000 | 5,416 |
| Average total loans | $15,327,500 | 5,963 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,180 |
| Cost of funding earning assets | 0.6507% | 1,096 |
| Net interest margin | 3.6455% | 2,927 |
| Noninterest income to average assets | -0.0381% | 6,286 |
| Noninterest expense to average assets | 2.6443% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5530% | 4,548 |
| Return on assets (ROA) | 0.5530% | 4,655 |
| Pretax return on assets | 0.6293% | 4,895 |
| Return on Equity (ROE) | 2.6891% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.5036% | 4,460 |
| Net charge-offs to loans | 1.6854% | 91 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.7734% | 3,626 |
| Efficiency ratio | 80.7767% | 1,649 |
| Assets per employee ($millions) | 5.2875% | 1,936 |
| Cash dividends to net income (ytd only)* | 6.8966% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 5,543 |
| Loan loss allowance to noncurrent loans | 22.4525% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,259 |
| Noncurrent loans to loans | 3.6608% | 467 |
| Net loans and leases to total assets | 49.4437% | 4,983 |
| Net loans and leases to deposits | 114.6805% | 163 |
| Net loans and leases to core deposits | 119.1493% | 486 |
| Total domestic deposits to total assets | 43.1143% | 6,294 |
| Equity capital to assets | 20.3373% | 211 |
| Core capital (leverage) ratio | 21.2512% | 157 |
| Tier 1 risk-based capital ratio | 50.0555% | 149 |
| Total risk-based capital ratio | 51.0166% | 147 |
| Memoranda: | ||
| Average total assets | $31,464,000 | 6,083 |
| Average earning assets | $28,583,330 | 6,075 |
| Average equity | $6,470,670 | 5,457 |
| Average total loans | $15,189,000 | 6,026 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,065 |
| Cost of funding earning assets | 0.6479% | 1,129 |
| Net interest margin | 3.6620% | 2,769 |
| Noninterest income to average assets | -0.2936% | 6,388 |
| Noninterest expense to average assets | 2.5532% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3191% | 5,344 |
| Return on assets (ROA) | 0.3191% | 5,452 |
| Pretax return on assets | 0.4723% | 5,252 |
| Return on Equity (ROE) | 1.5432% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.5432% | 4,861 |
| Net charge-offs to loans | 3.4419% | 44 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2891% | 3,072 |
| Efficiency ratio | 84.3882% | 1,328 |
| Assets per employee ($millions) | 5.2510% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 5,538 |
| Loan loss allowance to noncurrent loans | 17.5202% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3551% | 934 |
| Noncurrent loans to loans | 4.9129% | 278 |
| Net loans and leases to total assets | 47.5243% | 5,082 |
| Net loans and leases to deposits | 111.4394% | 191 |
| Net loans and leases to core deposits | 111.4394% | 684 |
| Total domestic deposits to total assets | 42.6458% | 6,368 |
| Equity capital to assets | 20.7706% | 192 |
| Core capital (leverage) ratio | 19.6526% | 224 |
| Tier 1 risk-based capital ratio | 44.8966% | 199 |
| Total risk-based capital ratio | 45.8397% | 201 |
| Memoranda: | ||
| Average total assets | $31,333,500 | 6,151 |
| Average earning assets | $28,399,500 | 6,138 |
| Average equity | $6,480,000 | 5,500 |
| Average total loans | $14,875,500 | 6,090 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,175 |
| Cost of funding earning assets | 0.5917% | 1,836 |
| Net interest margin | 3.8234% | 2,536 |
| Noninterest income to average assets | 0.1248% | 6,068 |
| Noninterest expense to average assets | 2.7849% | 3,543 |
| Loan and lease loss provision to assets | 0.1440% | 1,839 |
| Net operating income to assets | 0.5618% | 4,549 |
| Return on assets (ROA) | 0.7458% | 3,745 |
| Pretax return on assets | 0.9187% | 3,835 |
| Return on Equity (ROE) | 3.7645% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.5545% | 3,700 |
| Net charge-offs to loans | 0.5896% | 679 |
| Credit loss provision to net charge-offs | 53.5714% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.1071% | 3,977 |
| Efficiency ratio | 76.9231% | 2,363 |
| Assets per employee ($millions) | 5.1935% | 2,081 |
| Cash dividends to net income (ytd only)* | 5.5794% | 4,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 1,625 |
| Loan loss allowance to noncurrent loans | 31.9703% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.7181% | 811 |
| Noncurrent loans to loans | 5.5093% | 238 |
| Net loans and leases to total assets | 46.1795% | 5,310 |
| Net loans and leases to deposits | 105.1363% | 393 |
| Net loans and leases to core deposits | 107.1003% | 951 |
| Total domestic deposits to total assets | 43.9235% | 6,456 |
| Equity capital to assets | 20.5898% | 200 |
| Core capital (leverage) ratio | 19.4398% | 230 |
| Tier 1 risk-based capital ratio | 47.9835% | 148 |
| Total risk-based capital ratio | 49.2292% | 148 |
| Memoranda: | ||
| Average total assets | $31,239,800 | 6,229 |
| Average earning assets | $28,561,000 | 6,211 |
| Average equity | $6,189,400 | 5,580 |
| Average total loans | $14,246,400 | 6,180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 2,228 |
| Cost of funding earning assets | 0.5818% | 2,004 |
| Net interest margin | 3.8169% | 2,555 |
| Noninterest income to average assets | 0.0896% | 6,281 |
| Noninterest expense to average assets | 2.5762% | 4,270 |
| Loan and lease loss provision to assets | 0.1280% | 1,957 |
| Net operating income to assets | 0.9085% | 2,876 |
| Return on assets (ROA) | 1.2113% | 1,706 |
| Pretax return on assets | 1.1858% | 2,840 |
| Return on Equity (ROE) | 6.1744% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.0439% | 2,384 |
| Net charge-offs to loans | 0.6598% | 540 |
| Credit loss provision to net charge-offs | 42.8571% | 3,242 |
| Earnings coverage of net charge-offs (x) | 3.3857% | 3,671 |
| Efficiency ratio | 71.8193% | 3,216 |
| Assets per employee ($millions) | 5.2158% | 1,996 |
| Cash dividends to net income (ytd only)* | 2.1127% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 1,882 |
| Loan loss allowance to noncurrent loans | 33.2902% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 2.5947% | 995 |
| Noncurrent loans to loans | 5.1994% | 327 |
| Net loans and leases to total assets | 46.6241% | 5,327 |
| Net loans and leases to deposits | 108.2981% | 257 |
| Net loans and leases to core deposits | 110.3540% | 731 |
| Total domestic deposits to total assets | 43.0516% | 6,539 |
| Equity capital to assets | 20.3419% | 216 |
| Core capital (leverage) ratio | 19.6711% | 224 |
| Tier 1 risk-based capital ratio | 48.5030% | 141 |
| Total risk-based capital ratio | 49.7661% | 139 |
| Memoranda: | ||
| Average total assets | $31,259,500 | 6,305 |
| Average earning assets | $28,643,750 | 6,281 |
| Average equity | $6,132,750 | 5,649 |
| Average total loans | $14,146,000 | 6,255 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 2,212 |
| Cost of funding earning assets | 0.5712% | 2,153 |
| Net interest margin | 3.8175% | 2,498 |
| Noninterest income to average assets | 0.0320% | 6,491 |
| Noninterest expense to average assets | 2.5986% | 4,244 |
| Loan and lease loss provision to assets | 0.0960% | 2,423 |
| Net operating income to assets | 0.8833% | 2,897 |
| Return on assets (ROA) | 1.0625% | 2,148 |
| Pretax return on assets | 1.0241% | 3,381 |
| Return on Equity (ROE) | 5.4831% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.2849% | 2,776 |
| Net charge-offs to loans | 1.0063% | 355 |
| Credit loss provision to net charge-offs | 21.4286% | 3,185 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 3,640 |
| Efficiency ratio | 73.4177% | 3,080 |
| Assets per employee ($millions) | 5.2152% | 1,952 |
| Cash dividends to net income (ytd only)* | 3.6145% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 2,080 |
| Loan loss allowance to noncurrent loans | 62.4352% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 2,403 |
| Noncurrent loans to loans | 2.7497% | 1,093 |
| Net loans and leases to total assets | 44.0926% | 5,527 |
| Net loans and leases to deposits | 102.0488% | 448 |
| Net loans and leases to core deposits | 103.9792% | 1,021 |
| Total domestic deposits to total assets | 43.2073% | 6,605 |
| Equity capital to assets | 20.1016% | 210 |
| Core capital (leverage) ratio | 19.0405% | 242 |
| Tier 1 risk-based capital ratio | 49.6866% | 135 |
| Total risk-based capital ratio | 50.9483% | 135 |
| Memoranda: | ||
| Average total assets | $31,247,670 | 6,363 |
| Average earning assets | $28,709,670 | 6,339 |
| Average equity | $6,055,000 | 5,705 |
| Average total loans | $13,912,000 | 6,322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 2,100 |
| Cost of funding earning assets | 0.5686% | 2,254 |
| Net interest margin | 3.8418% | 2,298 |
| Noninterest income to average assets | 0.1665% | 5,981 |
| Noninterest expense to average assets | 2.5107% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2041% | 1,477 |
| Return on assets (ROA) | 1.2041% | 1,540 |
| Pretax return on assets | 1.2041% | 2,472 |
| Return on Equity (ROE) | 6.3326% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.3326% | 2,360 |
| Net charge-offs to loans | 2.0218% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3429% | 3,116 |
| Efficiency ratio | 67.5862% | 4,257 |
| Assets per employee ($millions) | 5.2475% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 2,505 |
| Loan loss allowance to noncurrent loans | 67.0623% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 2,565 |
| Noncurrent loans to loans | 2.4629% | 1,412 |
| Net loans and leases to total assets | 42.7410% | 5,609 |
| Net loans and leases to deposits | 99.6224% | 456 |
| Net loans and leases to core deposits | 103.4597% | 892 |
| Total domestic deposits to total assets | 42.9030% | 6,674 |
| Equity capital to assets | 19.3298% | 246 |
| Core capital (leverage) ratio | 19.2495% | 237 |
| Tier 1 risk-based capital ratio | 48.8195% | 146 |
| Total risk-based capital ratio | 50.0728% | 146 |
| Memoranda: | ||
| Average total assets | $31,226,000 | 6,431 |
| Average earning assets | $28,841,000 | 6,400 |
| Average equity | $5,937,500 | 5,760 |
| Average total loans | $13,849,000 | 6,386 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 2,695 |
| Cost of funding earning assets | 0.6504% | 2,200 |
| Net interest margin | 3.7181% | 2,985 |
| Noninterest income to average assets | 0.1724% | 6,053 |
| Noninterest expense to average assets | 3.0357% | 2,947 |
| Loan and lease loss provision to assets | 0.0911% | 3,286 |
| Net operating income to assets | 0.3953% | 5,165 |
| Return on assets (ROA) | 0.4197% | 5,192 |
| Pretax return on assets | 0.5564% | 5,025 |
| Return on Equity (ROE) | 2.1139% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9009% | 4,879 |
| Net charge-offs to loans | 0.4423% | 1,501 |
| Credit loss provision to net charge-offs | 45.1613% | 3,934 |
| Earnings coverage of net charge-offs (x) | 3.0484% | 3,976 |
| Efficiency ratio | 83.1551% | 1,732 |
| Assets per employee ($millions) | 5.1612% | 1,996 |
| Cash dividends to net income (ytd only)* | 10.0775% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 1,314 |
| Loan loss allowance to noncurrent loans | 56.9231% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 1,807 |
| Noncurrent loans to loans | 3.7103% | 812 |
| Net loans and leases to total assets | 44.3020% | 5,649 |
| Net loans and leases to deposits | 102.6564% | 372 |
| Net loans and leases to core deposits | 106.6547% | 761 |
| Total domestic deposits to total assets | 43.1556% | 6,758 |
| Equity capital to assets | 18.6941% | 277 |
| Core capital (leverage) ratio | 18.6079% | 266 |
| Tier 1 risk-based capital ratio | 49.7281% | 135 |
| Total risk-based capital ratio | 50.9915% | 134 |
| Memoranda: | ||
| Average total assets | $30,734,600 | 6,503 |
| Average earning assets | $28,751,000 | 6,474 |
| Average equity | $6,102,400 | 5,795 |
| Average total loans | $14,018,400 | 6,450 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,809 |
| Cost of funding earning assets | 0.6672% | 2,203 |
| Net interest margin | 3.6787% | 3,112 |
| Noninterest income to average assets | 0.1695% | 6,170 |
| Noninterest expense to average assets | 2.8164% | 3,603 |
| Loan and lease loss provision to assets | 0.1217% | 2,774 |
| Net operating income to assets | 0.5924% | 4,390 |
| Return on assets (ROA) | 0.6302% | 4,342 |
| Pretax return on assets | 0.7258% | 4,589 |
| Return on Equity (ROE) | 3.1279% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.9985% | 4,532 |
| Net charge-offs to loans | 0.5896% | 1,066 |
| Credit loss provision to net charge-offs | 45.1613% | 3,613 |
| Earnings coverage of net charge-offs (x) | 2.9840% | 3,844 |
| Efficiency ratio | 77.7911% | 2,451 |
| Assets per employee ($millions) | 5.2748% | 1,862 |
| Cash dividends to net income (ytd only)* | 4.1380% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1269% | 1,454 |
| Loan loss allowance to noncurrent loans | 57.0058% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.9495% | 2,085 |
| Noncurrent loans to loans | 3.7310% | 987 |
| Net loans and leases to total assets | 43.1830% | 5,802 |
| Net loans and leases to deposits | 99.2808% | 500 |
| Net loans and leases to core deposits | 103.0305% | 932 |
| Total domestic deposits to total assets | 43.4958% | 6,833 |
| Equity capital to assets | 18.9200% | 261 |
| Core capital (leverage) ratio | 19.1440% | 233 |
| Tier 1 risk-based capital ratio | 49.6051% | 138 |
| Total risk-based capital ratio | 50.8687% | 137 |
| Memoranda: | ||
| Average total assets | $30,676,500 | 6,574 |
| Average earning assets | $28,777,250 | 6,544 |
| Average equity | $6,180,750 | 5,843 |
| Average total loans | $14,019,250 | 6,523 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,529 |
| Cost of funding earning assets | 0.6697% | 2,320 |
| Net interest margin | 3.7391% | 2,808 |
| Noninterest income to average assets | 0.0857% | 6,567 |
| Noninterest expense to average assets | 2.8861% | 3,376 |
| Loan and lease loss provision to assets | 0.1845% | 2,052 |
| Net operating income to assets | 0.5350% | 4,641 |
| Return on assets (ROA) | 0.5996% | 4,468 |
| Pretax return on assets | 0.6128% | 4,978 |
| Return on Equity (ROE) | 2.9143% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.7222% | 4,581 |
| Net charge-offs to loans | 0.2137% | 2,487 |
| Credit loss provision to net charge-offs | 186.6667% | 1,275 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,552 |
| Efficiency ratio | 79.7814% | 2,191 |
| Assets per employee ($millions) | 4.9708% | 2,147 |
| Cash dividends to net income (ytd only)* | 6.5934% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4268% | 1,064 |
| Loan loss allowance to noncurrent loans | 67.8501% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.3403% | 1,838 |
| Noncurrent loans to loans | 3.5767% | 1,163 |
| Net loans and leases to total assets | 46.3738% | 5,494 |
| Net loans and leases to deposits | 100.6989% | 389 |
| Net loans and leases to core deposits | 102.5734% | 910 |
| Total domestic deposits to total assets | 46.0520% | 6,882 |
| Equity capital to assets | 20.2481% | 195 |
| Core capital (leverage) ratio | 19.0490% | 231 |
| Tier 1 risk-based capital ratio | 54.1087% | 111 |
| Total risk-based capital ratio | 55.3807% | 109 |
| Memoranda: | ||
| Average total assets | $30,352,330 | 6,626 |
| Average earning assets | $28,670,330 | 6,594 |
| Average equity | $6,245,000 | 5,866 |
| Average total loans | $14,037,670 | 6,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,990 |
| Cost of funding earning assets | 0.6806% | 2,382 |
| Net interest margin | 3.5975% | 3,276 |
| Noninterest income to average assets | 0.0915% | 6,605 |
| Noninterest expense to average assets | 2.9004% | 3,341 |
| Loan and lease loss provision to assets | 0.3658% | 879 |
| Net operating income to assets | 0.2744% | 5,646 |
| Return on assets (ROA) | 0.2744% | 5,769 |
| Pretax return on assets | 0.2090% | 6,060 |
| Return on Equity (ROE) | 1.3233% | 6,141 |
| Retained earnings to average equity (ytd only) | 1.3233% | 5,320 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4586% | 1,836 |
| Assets per employee ($millions) | 5.1093% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5670% | 1,048 |
| Loan loss allowance to noncurrent loans | 59.4371% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.5933% | 1,762 |
| Noncurrent loans to loans | 4.3189% | 996 |
| Net loans and leases to total assets | 44.4481% | 5,614 |
| Net loans and leases to deposits | 97.0167% | 490 |
| Net loans and leases to core deposits | 97.0167% | 1,144 |
| Total domestic deposits to total assets | 45.8148% | 6,957 |
| Equity capital to assets | 20.6746% | 192 |
| Core capital (leverage) ratio | 18.7968% | 244 |
| Tier 1 risk-based capital ratio | 53.4302% | 118 |
| Total risk-based capital ratio | 54.7091% | 117 |
| Memoranda: | ||
| Average total assets | $30,616,000 | 6,692 |
| Average earning assets | $28,798,000 | 6,652 |
| Average equity | $6,348,000 | 5,899 |
| Average total loans | $13,969,000 | 6,624 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 3,239 |
| Cost of funding earning assets | 0.7562% | 3,044 |
| Net interest margin | 3.7845% | 3,293 |
| Noninterest income to average assets | -0.0498% | 6,883 |
| Noninterest expense to average assets | 3.1312% | 2,842 |
| Loan and lease loss provision to assets | 0.4743% | 1,302 |
| Net operating income to assets | -0.0365% | 6,220 |
| Return on assets (ROA) | 0.1426% | 6,062 |
| Pretax return on assets | 0.0763% | 6,188 |
| Return on Equity (ROE) | 0.6730% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.4695% | 5,615 |
| Net charge-offs to loans | 0.0967% | 4,695 |
| Credit loss provision to net charge-offs | 1,021.4286% | 250 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,494 |
| Efficiency ratio | 89.3939% | 1,117 |
| Assets per employee ($millions) | 5.0960% | 2,104 |
| Cash dividends to net income (ytd only)* | 30.2326% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3722% | 1,278 |
| Loan loss allowance to noncurrent loans | 56.6781% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5347% | 1,919 |
| Noncurrent loans to loans | 4.1855% | 1,089 |
| Net loans and leases to total assets | 44.5513% | 5,767 |
| Net loans and leases to deposits | 97.8381% | 518 |
| Net loans and leases to core deposits | 97.8381% | 1,156 |
| Total domestic deposits to total assets | 45.5357% | 7,022 |
| Equity capital to assets | 20.7941% | 193 |
| Core capital (leverage) ratio | 19.3146% | 225 |
| Tier 1 risk-based capital ratio | 52.3865% | 129 |
| Total risk-based capital ratio | 53.6539% | 126 |
| Memoranda: | ||
| Average total assets | $30,148,400 | 6,752 |
| Average earning assets | $28,300,000 | 6,709 |
| Average equity | $6,389,200 | 5,920 |
| Average total loans | $14,481,400 | 6,683 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 3,328 |
| Cost of funding earning assets | 0.7753% | 3,149 |
| Net interest margin | 3.7964% | 3,347 |
| Noninterest income to average assets | -0.0843% | 7,015 |
| Noninterest expense to average assets | 2.9292% | 3,485 |
| Loan and lease loss provision to assets | 0.5503% | 1,056 |
| Net operating income to assets | 0.1775% | 5,974 |
| Return on assets (ROA) | 0.4172% | 5,409 |
| Pretax return on assets | 0.2397% | 6,068 |
| Return on Equity (ROE) | 1.9592% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.8341% | 5,417 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1837% | 1,575 |
| Assets per employee ($millions) | 4.8583% | 2,370 |
| Cash dividends to net income (ytd only)* | 6.3831% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 1,539 |
| Loan loss allowance to noncurrent loans | 48.0118% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.7238% | 1,939 |
| Noncurrent loans to loans | 4.7719% | 972 |
| Net loans and leases to total assets | 47.6947% | 5,589 |
| Net loans and leases to deposits | 100.0072% | 434 |
| Net loans and leases to core deposits | 100.0072% | 1,119 |
| Total domestic deposits to total assets | 47.6913% | 7,119 |
| Equity capital to assets | 22.1509% | 163 |
| Core capital (leverage) ratio | 19.2957% | 235 |
| Tier 1 risk-based capital ratio | 55.0721% | 116 |
| Total risk-based capital ratio | 56.3448% | 113 |
| Memoranda: | ||
| Average total assets | $30,041,500 | 6,839 |
| Average earning assets | $28,201,500 | 6,798 |
| Average equity | $6,397,000 | 5,987 |
| Average total loans | $14,613,500 | 6,766 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 3,263 |
| Cost of funding earning assets | 0.7868% | 3,306 |
| Net interest margin | 3.8358% | 3,197 |
| Noninterest income to average assets | -0.1714% | 7,128 |
| Noninterest expense to average assets | 2.9797% | 3,335 |
| Loan and lease loss provision to assets | 0.2901% | 2,260 |
| Net operating income to assets | 0.4219% | 5,139 |
| Return on assets (ROA) | 0.7713% | 3,780 |
| Pretax return on assets | 0.5076% | 5,418 |
| Return on Equity (ROE) | 3.6694% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.4813% | 4,276 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9231% | 1,348 |
| Assets per employee ($millions) | 5.1527% | 1,966 |
| Cash dividends to net income (ytd only)* | 5.1282% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 3,332 |
| Loan loss allowance to noncurrent loans | 48.4252% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.0151% | 2,759 |
| Noncurrent loans to loans | 3.4636% | 1,661 |
| Net loans and leases to total assets | 46.6457% | 5,768 |
| Net loans and leases to deposits | 101.8864% | 346 |
| Net loans and leases to core deposits | 101.8864% | 984 |
| Total domestic deposits to total assets | 45.7821% | 7,189 |
| Equity capital to assets | 20.8565% | 206 |
| Core capital (leverage) ratio | 18.8335% | 253 |
| Tier 1 risk-based capital ratio | 51.6250% | 127 |
| Total risk-based capital ratio | 52.8831% | 127 |
| Memoranda: | ||
| Average total assets | $30,338,670 | 6,885 |
| Average earning assets | $28,468,330 | 6,835 |
| Average equity | $6,377,000 | 6,020 |
| Average total loans | $14,741,670 | 6,815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 3,105 |
| Cost of funding earning assets | 0.8143% | 3,353 |
| Net interest margin | 3.8715% | 3,045 |
| Noninterest income to average assets | 0.1065% | 6,708 |
| Noninterest expense to average assets | 2.5557% | 4,975 |
| Loan and lease loss provision to assets | 0.1997% | 2,941 |
| Net operating income to assets | 0.9584% | 2,647 |
| Return on assets (ROA) | 0.9584% | 2,851 |
| Pretax return on assets | 0.9584% | 3,840 |
| Return on Equity (ROE) | 4.5415% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.5415% | 3,859 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8172% | 4,016 |
| Assets per employee ($millions) | 5.1865% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 4,211 |
| Loan loss allowance to noncurrent loans | 42.6326% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1466% | 2,736 |
| Noncurrent loans to loans | 3.4956% | 1,789 |
| Net loans and leases to total assets | 46.0940% | 5,771 |
| Net loans and leases to deposits | 99.3765% | 393 |
| Net loans and leases to core deposits | 99.3765% | 1,025 |
| Total domestic deposits to total assets | 46.3832% | 7,250 |
| Equity capital to assets | 20.3509% | 212 |
| Core capital (leverage) ratio | 19.4294% | 226 |
| Tier 1 risk-based capital ratio | 51.2351% | 123 |
| Total risk-based capital ratio | 52.4919% | 123 |
| Memoranda: | ||
| Average total assets | $30,050,000 | 6,948 |
| Average earning assets | $27,999,500 | 6,907 |
| Average equity | $6,341,500 | 6,062 |
| Average total loans | $14,779,000 | 6,875 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1604% | 2,223 |
| Cost of funding earning assets | 0.7951% | 4,908 |
| Net interest margin | 4.3653% | 1,495 |
| Noninterest income to average assets | 0.1340% | 6,483 |
| Noninterest expense to average assets | 3.5047% | 1,967 |
| Loan and lease loss provision to assets | 0.5177% | 2,029 |
| Net operating income to assets | 0.1503% | 5,733 |
| Return on assets (ROA) | 0.6553% | 3,911 |
| Pretax return on assets | 0.7277% | 4,227 |
| Return on Equity (ROE) | 2.9677% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.7545% | 4,276 |
| Net charge-offs to loans | 1.4492% | 1,121 |
| Credit loss provision to net charge-offs | 66.5116% | 4,983 |
| Earnings coverage of net charge-offs (x) | 0.8791% | 5,144 |
| Efficiency ratio | 83.6646% | 1,807 |
| Assets per employee ($millions) | 4.8302% | 2,406 |
| Cash dividends to net income (ytd only)* | 7.1823% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,709 |
| Loan loss allowance to noncurrent loans | 49.5074% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9496% | 3,042 |
| Noncurrent loans to loans | 2.7072% | 2,397 |
| Net loans and leases to total assets | 51.0541% | 5,455 |
| Net loans and leases to deposits | 104.5358% | 294 |
| Net loans and leases to core deposits | 104.5358% | 870 |
| Total domestic deposits to total assets | 48.8389% | 7,289 |
| Equity capital to assets | 21.9109% | 157 |
| Core capital (leverage) ratio | 20.4839% | 181 |
| Tier 1 risk-based capital ratio | 53.1336% | 120 |
| Total risk-based capital ratio | 54.3889% | 118 |
| Memoranda: | ||
| Average total assets | $27,620,200 | 7,039 |
| Average earning assets | $25,656,800 | 6,995 |
| Average equity | $6,099,000 | 6,127 |
| Average total loans | $14,836,000 | 6,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 1,834 |
| Cost of funding earning assets | 0.7992% | 5,153 |
| Net interest margin | 4.5059% | 1,133 |
| Noninterest income to average assets | 0.1368% | 6,567 |
| Noninterest expense to average assets | 3.3870% | 2,226 |
| Loan and lease loss provision to assets | 0.5229% | 1,892 |
| Net operating income to assets | 0.3783% | 5,089 |
| Return on assets (ROA) | 1.0753% | 2,203 |
| Pretax return on assets | 1.1730% | 2,728 |
| Return on Equity (ROE) | 4.8595% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.7269% | 3,360 |
| Net charge-offs to loans | 1.9374% | 668 |
| Credit loss provision to net charge-offs | 49.7674% | 5,042 |
| Earnings coverage of net charge-offs (x) | 0.8930% | 4,951 |
| Efficiency ratio | 78.3051% | 2,506 |
| Assets per employee ($millions) | 4.6295% | 2,715 |
| Cash dividends to net income (ytd only)* | 2.7273% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,767 |
| Loan loss allowance to noncurrent loans | 24.5902% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 2.9881% | 2,146 |
| Noncurrent loans to loans | 4.5959% | 1,406 |
| Net loans and leases to total assets | 51.9675% | 5,450 |
| Net loans and leases to deposits | 102.8940% | 355 |
| Net loans and leases to core deposits | 102.8940% | 1,045 |
| Total domestic deposits to total assets | 50.5058% | 7,358 |
| Equity capital to assets | 22.9542% | 147 |
| Core capital (leverage) ratio | 20.6768% | 192 |
| Tier 1 risk-based capital ratio | 53.8185% | 132 |
| Total risk-based capital ratio | 55.0729% | 130 |
| Memoranda: | ||
| Average total assets | $27,280,000 | 7,113 |
| Average earning assets | $25,359,000 | 7,073 |
| Average equity | $6,036,250 | 6,192 |
| Average total loans | $14,795,750 | 6,978 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 1,956 |
| Cost of funding earning assets | 0.8017% | 5,355 |
| Net interest margin | 4.4768% | 1,185 |
| Noninterest income to average assets | 0.1328% | 6,658 |
| Noninterest expense to average assets | 3.4078% | 2,233 |
| Loan and lease loss provision to assets | 0.6270% | 1,524 |
| Net operating income to assets | 0.1844% | 5,798 |
| Return on assets (ROA) | 0.1844% | 5,897 |
| Pretax return on assets | 0.2582% | 5,784 |
| Return on Equity (ROE) | 0.8442% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.6416% | 5,602 |
| Net charge-offs to loans | 1.8034% | 773 |
| Credit loss provision to net charge-offs | 63.4328% | 4,254 |
| Earnings coverage of net charge-offs (x) | 0.8955% | 4,625 |
| Efficiency ratio | 79.3814% | 2,491 |
| Assets per employee ($millions) | 4.6930% | 2,552 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 3,921 |
| Loan loss allowance to noncurrent loans | 25.1969% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 3.7219% | 1,748 |
| Noncurrent loans to loans | 6.1327% | 957 |
| Net loans and leases to total assets | 50.6854% | 5,733 |
| Net loans and leases to deposits | 102.2276% | 380 |
| Net loans and leases to core deposits | 102.2276% | 1,164 |
| Total domestic deposits to total assets | 49.5809% | 7,433 |
| Equity capital to assets | 21.2906% | 202 |
| Core capital (leverage) ratio | 19.8472% | 235 |
| Tier 1 risk-based capital ratio | 52.1458% | 140 |
| Total risk-based capital ratio | 53.4036% | 139 |
| Memoranda: | ||
| Average total assets | $27,114,330 | 7,185 |
| Average earning assets | $25,196,330 | 7,144 |
| Average equity | $5,923,000 | 6,253 |
| Average total loans | $14,861,000 | 7,045 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5109% | 1,265 |
| Cost of funding earning assets | 0.8104% | 5,524 |
| Net interest margin | 4.7004% | 699 |
| Noninterest income to average assets | 0.1053% | 6,882 |
| Noninterest expense to average assets | 3.6852% | 1,562 |
| Loan and lease loss provision to assets | 1.1281% | 640 |
| Net operating income to assets | -0.3460% | 6,703 |
| Return on assets (ROA) | -0.3460% | 6,707 |
| Pretax return on assets | -0.3460% | 6,648 |
| Return on Equity (ROE) | -1.5628% | 6,543 |
| Retained earnings to average equity (ytd only) | -1.5628% | 6,081 |
| Net charge-offs to loans | 3.5896% | 277 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.3852% | 4,332 |
| Efficiency ratio | 82.4916% | 2,152 |
| Assets per employee ($millions) | 3.9333% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,495 |
| Loan loss allowance to noncurrent loans | 21.8590% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 4.1332% | 1,603 |
| Noncurrent loans to loans | 6.5736% | 897 |
| Net loans and leases to total assets | 53.3142% | 5,406 |
| Net loans and leases to deposits | 105.5056% | 263 |
| Net loans and leases to core deposits | 105.5056% | 965 |
| Total domestic deposits to total assets | 50.5321% | 7,483 |
| Equity capital to assets | 21.3526% | 191 |
| Core capital (leverage) ratio | 20.5891% | 196 |
| Tier 1 risk-based capital ratio | 53.3950% | 136 |
| Total risk-based capital ratio | 54.6443% | 135 |
| Memoranda: | ||
| Average total assets | $26,592,500 | 7,245 |
| Average earning assets | $24,678,500 | 7,210 |
| Average equity | $5,887,000 | 6,283 |
| Average total loans | $15,043,500 | 7,086 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 1,788 |
| Cost of funding earning assets | 0.9347% | 6,007 |
| Net interest margin | 4.6987% | 819 |
| Noninterest income to average assets | 0.1054% | 6,869 |
| Noninterest expense to average assets | 3.4188% | 2,387 |
| Loan and lease loss provision to assets | 0.5347% | 3,015 |
| Net operating income to assets | 0.3825% | 4,626 |
| Return on assets (ROA) | 0.3825% | 4,769 |
| Pretax return on assets | 0.5269% | 4,534 |
| Return on Equity (ROE) | 1.6604% | 5,504 |
| Retained earnings to average equity (ytd only) | -0.3219% | 5,673 |
| Net charge-offs to loans | 0.2867% | 4,589 |
| Credit loss provision to net charge-offs | 304.4444% | 874 |
| Earnings coverage of net charge-offs (x) | 6.0444% | 2,457 |
| Efficiency ratio | 76.3066% | 3,004 |
| Assets per employee ($millions) | 3.6646% | 4,536 |
| Cash dividends to net income (ytd only)* | 119.3878% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 2,852 |
| Loan loss allowance to noncurrent loans | 28.2183% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 4.4012% | 1,516 |
| Noncurrent loans to loans | 6.3907% | 951 |
| Net loans and leases to total assets | 58.1631% | 5,005 |
| Net loans and leases to deposits | 107.0685% | 289 |
| Net loans and leases to core deposits | 107.0685% | 1,120 |
| Total domestic deposits to total assets | 54.3232% | 7,547 |
| Equity capital to assets | 22.9807% | 160 |
| Core capital (leverage) ratio | 22.9030% | 152 |
| Tier 1 risk-based capital ratio | 53.2034% | 134 |
| Total risk-based capital ratio | 54.4715% | 132 |
| Memoranda: | ||
| Average total assets | $25,622,800 | 7,328 |
| Average earning assets | $23,857,600 | 7,291 |
| Average equity | $5,902,200 | 6,395 |
| Average total loans | $15,694,200 | 7,130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7548% | 1,530 |
| Cost of funding earning assets | 0.9778% | 6,044 |
| Net interest margin | 4.7770% | 707 |
| Noninterest income to average assets | 0.0937% | 7,075 |
| Noninterest expense to average assets | 3.4405% | 2,182 |
| Loan and lease loss provision to assets | 0.7131% | 2,140 |
| Net operating income to assets | 0.2238% | 5,438 |
| Return on assets (ROA) | 0.2238% | 5,596 |
| Pretax return on assets | 0.3904% | 5,248 |
| Return on Equity (ROE) | 0.9710% | 5,898 |
| Retained earnings to average equity (ytd only) | -1.5356% | 6,106 |
| Net charge-offs to loans | 0.3877% | 3,737 |
| Credit loss provision to net charge-offs | 297.8261% | 1,074 |
| Earnings coverage of net charge-offs (x) | 4.6088% | 2,978 |
| Efficiency ratio | 75.7159% | 3,003 |
| Assets per employee ($millions) | 3.4089% | 5,183 |
| Cash dividends to net income (ytd only)* | 258.1545% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 3,040 |
| Loan loss allowance to noncurrent loans | 44.9013% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 3.2185% | 2,219 |
| Noncurrent loans to loans | 3.8623% | 1,975 |
| Net loans and leases to total assets | 64.8269% | 3,942 |
| Net loans and leases to deposits | 111.5044% | 227 |
| Net loans and leases to core deposits | 111.5044% | 957 |
| Total domestic deposits to total assets | 58.1385% | 7,617 |
| Equity capital to assets | 25.3876% | 133 |
| Core capital (leverage) ratio | 22.8364% | 156 |
| Tier 1 risk-based capital ratio | 53.4734% | 139 |
| Total risk-based capital ratio | 54.7400% | 137 |
| Memoranda: | ||
| Average total assets | $25,615,500 | 7,423 |
| Average earning assets | $23,863,750 | 7,383 |
| Average equity | $5,904,000 | 6,478 |
| Average total loans | $15,819,250 | 7,219 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 1,818 |
| Cost of funding earning assets | 0.9885% | 6,202 |
| Net interest margin | 4.6973% | 817 |
| Noninterest income to average assets | 0.0840% | 7,163 |
| Noninterest expense to average assets | 3.2748% | 2,647 |
| Loan and lease loss provision to assets | 0.9160% | 1,587 |
| Net operating income to assets | 0.0382% | 6,016 |
| Return on assets (ROA) | 0.0382% | 6,114 |
| Pretax return on assets | 0.2824% | 5,555 |
| Return on Equity (ROE) | 0.1709% | 6,154 |
| Retained earnings to average equity (ytd only) | -3.6223% | 6,393 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2082% | 3,618 |
| Assets per employee ($millions) | 3.7561% | 4,330 |
| Cash dividends to net income (ytd only)* | 2,220.0000% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,396 |
| Loan loss allowance to noncurrent loans | 25.2297% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 5.1573% | 1,230 |
| Noncurrent loans to loans | 7.5578% | 708 |
| Net loans and leases to total assets | 59.0880% | 5,233 |
| Net loans and leases to deposits | 109.7408% | 285 |
| Net loans and leases to core deposits | 109.7408% | 1,181 |
| Total domestic deposits to total assets | 53.8432% | 7,720 |
| Equity capital to assets | 22.4737% | 182 |
| Core capital (leverage) ratio | 20.8169% | 207 |
| Tier 1 risk-based capital ratio | 50.1222% | 155 |
| Total risk-based capital ratio | 51.3900% | 154 |
| Memoranda: | ||
| Average total assets | $26,200,000 | 7,461 |
| Average earning assets | $24,482,330 | 7,422 |
| Average equity | $5,852,670 | 6,515 |
| Average total loans | $15,845,000 | 7,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 1,837 |
| Cost of funding earning assets | 1.0127% | 6,319 |
| Net interest margin | 4.6715% | 832 |
| Noninterest income to average assets | 0.0765% | 7,320 |
| Noninterest expense to average assets | 3.0742% | 3,370 |
| Loan and lease loss provision to assets | 0.6882% | 1,850 |
| Net operating income to assets | 0.3824% | 4,915 |
| Return on assets (ROA) | 0.3824% | 5,051 |
| Pretax return on assets | 0.6882% | 4,275 |
| Return on Equity (ROE) | 1.7169% | 5,879 |
| Retained earnings to average equity (ytd only) | -5.4940% | 6,623 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0722% | 4,494 |
| Assets per employee ($millions) | 3.7347% | 4,483 |
| Cash dividends to net income (ytd only)* | 420.0000% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,275 |
| Loan loss allowance to noncurrent loans | 27.5820% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 3.7563% | 1,853 |
| Noncurrent loans to loans | 5.1790% | 1,385 |
| Net loans and leases to total assets | 59.9166% | 5,132 |
| Net loans and leases to deposits | 110.8093% | 272 |
| Net loans and leases to core deposits | 110.8093% | 1,229 |
| Total domestic deposits to total assets | 54.0718% | 7,812 |
| Equity capital to assets | 22.2124% | 201 |
| Core capital (leverage) ratio | 21.1680% | 206 |
| Tier 1 risk-based capital ratio | 50.5822% | 152 |
| Total risk-based capital ratio | 51.8559% | 151 |
| Memoranda: | ||
| Average total assets | $26,153,500 | 7,560 |
| Average earning assets | $24,489,000 | 7,514 |
| Average equity | $5,824,500 | 6,579 |
| Average total loans | $15,848,500 | 7,355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8204% | 2,575 |
| Cost of funding earning assets | 1.3000% | 6,307 |
| Net interest margin | 4.5204% | 1,140 |
| Noninterest income to average assets | 0.0598% | 7,458 |
| Noninterest expense to average assets | 3.6020% | 2,142 |
| Loan and lease loss provision to assets | 0.9404% | 2,397 |
| Net operating income to assets | -0.1495% | 5,765 |
| Return on assets (ROA) | 0.2152% | 4,911 |
| Pretax return on assets | 0.3546% | 4,626 |
| Return on Equity (ROE) | 0.9026% | 5,258 |
| Retained earnings to average equity (ytd only) | 0.7020% | 4,516 |
| Net charge-offs to loans | 1.1122% | 2,200 |
| Credit loss provision to net charge-offs | 134.0909% | 3,716 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 5,076 |
| Efficiency ratio | 83.2413% | 2,449 |
| Assets per employee ($millions) | 3.7377% | 4,430 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,637 |
| Loan loss allowance to noncurrent loans | 15.3716% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 5.1330% | 1,180 |
| Noncurrent loans to loans | 7.4908% | 707 |
| Net loans and leases to total assets | 59.7156% | 5,377 |
| Net loans and leases to deposits | 111.1554% | 346 |
| Net loans and leases to core deposits | 127.9921% | 1,396 |
| Total domestic deposits to total assets | 53.7227% | 7,881 |
| Equity capital to assets | 22.3284% | 218 |
| Core capital (leverage) ratio | 21.6006% | 219 |
| Tier 1 risk-based capital ratio | 50.7284% | 158 |
| Total risk-based capital ratio | 51.9874% | 156 |
| Memoranda: | ||
| Average total assets | $25,097,000 | 7,637 |
| Average earning assets | $23,692,400 | 7,596 |
| Average equity | $5,982,800 | 6,609 |
| Average total loans | $15,823,800 | 7,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 2,920 |
| Cost of funding earning assets | 1.3495% | 6,398 |
| Net interest margin | 4.4455% | 1,329 |
| Noninterest income to average assets | 0.0537% | 7,635 |
| Noninterest expense to average assets | 3.3292% | 2,813 |
| Loan and lease loss provision to assets | 1.1598% | 1,673 |
| Net operating income to assets | -0.2209% | 6,100 |
| Return on assets (ROA) | 0.5316% | 3,944 |
| Pretax return on assets | 0.5424% | 4,394 |
| Return on Equity (ROE) | 2.1934% | 5,097 |
| Retained earnings to average equity (ytd only) | 2.0605% | 4,173 |
| Net charge-offs to loans | 1.4825% | 1,384 |
| Credit loss provision to net charge-offs | 122.7273% | 4,124 |
| Earnings coverage of net charge-offs (x) | 0.9886% | 5,066 |
| Efficiency ratio | 78.0856% | 3,154 |
| Assets per employee ($millions) | 3.7747% | 4,243 |
| Cash dividends to net income (ytd only)* | 6.0606% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,150 |
| Loan loss allowance to noncurrent loans | 15.6371% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 4.5339% | 1,339 |
| Noncurrent loans to loans | 6.5396% | 880 |
| Net loans and leases to total assets | 59.3422% | 5,688 |
| Net loans and leases to deposits | 110.6095% | 447 |
| Net loans and leases to core deposits | 128.3352% | 1,553 |
| Total domestic deposits to total assets | 53.6502% | 7,954 |
| Equity capital to assets | 22.7983% | 222 |
| Core capital (leverage) ratio | 21.8096% | 237 |
| Tier 1 risk-based capital ratio | 51.0449% | 165 |
| Total risk-based capital ratio | 52.3007% | 162 |
| Memoranda: | ||
| Average total assets | $24,830,250 | 7,716 |
| Average earning assets | $23,514,000 | 7,673 |
| Average equity | $6,018,000 | 6,655 |
| Average total loans | $15,828,250 | 7,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9491% | 2,394 |
| Cost of funding earning assets | 1.4024% | 6,470 |
| Net interest margin | 4.5468% | 1,062 |
| Noninterest income to average assets | 0.0412% | 7,782 |
| Noninterest expense to average assets | 3.3417% | 2,819 |
| Loan and lease loss provision to assets | 1.5556% | 1,095 |
| Net operating income to assets | -0.5408% | 6,589 |
| Return on assets (ROA) | 0.6008% | 3,781 |
| Pretax return on assets | 0.6173% | 4,278 |
| Return on Equity (ROE) | 2.4269% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.2274% | 4,101 |
| Net charge-offs to loans | 2.2245% | 816 |
| Credit loss provision to net charge-offs | 107.3864% | 4,298 |
| Earnings coverage of net charge-offs (x) | 0.6875% | 5,026 |
| Efficiency ratio | 77.0398% | 3,507 |
| Assets per employee ($millions) | 3.6093% | 4,548 |
| Cash dividends to net income (ytd only)* | 8.2192% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,924 |
| Loan loss allowance to noncurrent loans | 30.0668% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 2.4184% | 2,680 |
| Noncurrent loans to loans | 2.8743% | 2,509 |
| Net loans and leases to total assets | 61.2943% | 5,474 |
| Net loans and leases to deposits | 109.0256% | 604 |
| Net loans and leases to core deposits | 127.3415% | 1,757 |
| Total domestic deposits to total assets | 56.2201% | 8,003 |
| Equity capital to assets | 23.4870% | 239 |
| Core capital (leverage) ratio | 23.8812% | 230 |
| Tier 1 risk-based capital ratio | 53.2513% | 158 |
| Total risk-based capital ratio | 54.5198% | 158 |
| Memoranda: | ||
| Average total assets | $24,299,330 | 7,808 |
| Average earning assets | $22,961,330 | 7,769 |
| Average equity | $6,016,000 | 6,710 |
| Average total loans | $15,823,670 | 7,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9505% | 2,561 |
| Cost of funding earning assets | 1.5143% | 6,363 |
| Net interest margin | 4.4361% | 1,259 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 3.3254% | 2,582 |
| Loan and lease loss provision to assets | 3.1743% | 342 |
| Net operating income to assets | -1.4867% | 7,494 |
| Return on assets (ROA) | 0.0504% | 6,277 |
| Pretax return on assets | 0.0840% | 6,201 |
| Return on Equity (ROE) | 0.1981% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.1981% | 5,578 |
| Net charge-offs to loans | 4.4458% | 252 |
| Credit loss provision to net charge-offs | 106.7797% | 3,580 |
| Earnings coverage of net charge-offs (x) | 0.2881% | 4,743 |
| Efficiency ratio | 79.5181% | 2,907 |
| Assets per employee ($millions) | 3.3426% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,929 |
| Loan loss allowance to noncurrent loans | 26.1628% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 1,963 |
| Noncurrent loans to loans | 3.2760% | 1,961 |
| Net loans and leases to total assets | 66.7407% | 4,401 |
| Net loans and leases to deposits | 107.9571% | 727 |
| Net loans and leases to core deposits | 127.7487% | 1,802 |
| Total domestic deposits to total assets | 61.8215% | 7,924 |
| Equity capital to assets | 25.5620% | 212 |
| Core capital (leverage) ratio | 23.2593% | 273 |
| Tier 1 risk-based capital ratio | 54.2724% | 167 |
| Total risk-based capital ratio | 55.5803% | 165 |
| Memoranda: | ||
| Average total assets | $23,816,500 | 7,868 |
| Average earning assets | $22,452,000 | 7,825 |
| Average equity | $6,057,000 | 6,739 |
| Average total loans | $15,925,000 | 7,581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3263% | 3,814 |
| Cost of funding earning assets | 2.2352% | 5,437 |
| Net interest margin | 4.0911% | 2,752 |
| Noninterest income to average assets | 0.3003% | 6,314 |
| Noninterest expense to average assets | 3.7672% | 1,818 |
| Loan and lease loss provision to assets | 0.0944% | 6,181 |
| Net operating income to assets | 0.1716% | 5,935 |
| Return on assets (ROA) | 0.1716% | 5,766 |
| Pretax return on assets | 0.2789% | 5,554 |
| Return on Equity (ROE) | 0.6940% | 6,013 |
| Retained earnings to average equity (ytd only) | 0.4858% | 4,950 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9845% | 1,442 |
| Assets per employee ($millions) | 3.4621% | 4,772 |
| Cash dividends to net income (ytd only)* | 30.0000% | 4,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 7,254 |
| Loan loss allowance to noncurrent loans | 16.2019% | 7,360 |
| Noncurrent assets plus other real estate owned to assets | 3.1483% | 1,454 |
| Noncurrent loans to loans | 4.6773% | 1,000 |
| Net loans and leases to total assets | 65.9253% | 4,861 |
| Net loans and leases to deposits | 106.6128% | 1,071 |
| Net loans and leases to core deposits | 125.2803% | 2,229 |
| Total domestic deposits to total assets | 61.8362% | 7,892 |
| Equity capital to assets | 25.3064% | 261 |
| Core capital (leverage) ratio | 23.1708% | 301 |
| Tier 1 risk-based capital ratio | 53.7487% | 184 |
| Total risk-based capital ratio | 54.9198% | 183 |
| Memoranda: | ||
| Average total assets | $23,306,600 | 7,898 |
| Average earning assets | $21,877,000 | 7,864 |
| Average equity | $5,764,000 | 6,890 |
| Average total loans | $15,948,600 | 7,594 |