Home > The Piqua State Bank > Performance and Condition Ratios
The Piqua State Bank, Performance and Condition Ratios
| 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 | 3.1477% | 4,512 |
| Cost of funding earning assets | 0.3505% | 4,239 |
| Net interest margin | 2.7973% | 3,824 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 3.5180% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0972% | 4,512 |
| Return on assets (ROA) | -0.2673% | 4,531 |
| Pretax return on assets | -0.2673% | 4,525 |
| Return on Equity (ROE) | -3.2500% | 4,515 |
| Retained earnings to average equity (ytd only) | -3.2532% | 4,354 |
| Net charge-offs to loans | -0.2999% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.8419% | 145 |
| Assets per employee ($millions) | 2.8817% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8535% | 50 |
| Loan loss allowance to noncurrent loans | 158.4838% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 567 |
| Noncurrent loans to loans | 3.0625% | 137 |
| Net loans and leases to total assets | 27.1500% | 4,375 |
| Net loans and leases to deposits | 31.5296% | 4,380 |
| Net loans and leases to core deposits | 32.6603% | 4,378 |
| Total domestic deposits to total assets | 86.1100% | 2,202 |
| Equity capital to assets | 8.5271% | 2,842 |
| Core capital (leverage) ratio | 10.9956% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $32,916,000 | 4,496 |
| Average earning assets | $30,815,667 | 4,464 |
| Average equity | $2,705,000 | 4,495 |
| Average total loans | $9,336,667 | 4,473 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0450% | 4,551 |
| Cost of funding earning assets | 0.3045% | 4,189 |
| Net interest margin | 2.7405% | 4,023 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 3.4960% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0119% | 4,501 |
| Return on assets (ROA) | -0.0477% | 4,497 |
| Pretax return on assets | -0.0477% | 4,483 |
| Return on Equity (ROE) | -0.5900% | 4,474 |
| Retained earnings to average equity (ytd only) | -0.5913% | 4,098 |
| Net charge-offs to loans | -0.5906% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.3425% | 166 |
| Assets per employee ($millions) | 3.3084% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7655% | 44 |
| Loan loss allowance to noncurrent loans | 238.5870% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 934 |
| Noncurrent loans to loans | 1.9974% | 277 |
| Net loans and leases to total assets | 26.5200% | 4,433 |
| Net loans and leases to deposits | 30.3858% | 4,441 |
| Net loans and leases to core deposits | 31.4129% | 4,436 |
| Total domestic deposits to total assets | 87.2700% | 2,170 |
| Equity capital to assets | 8.2638% | 3,069 |
| Core capital (leverage) ratio | 10.7423% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0263% | 215 |
| Memoranda: | ||
| Average total assets | $33,524,500 | 4,554 |
| Average earning assets | $31,527,500 | 4,526 |
| Average equity | $2,706,000 | 4,559 |
| Average total loans | $9,482,500 | 4,537 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7585% | 4,363 |
| Cost of funding earning assets | 0.1382% | 4,186 |
| Net interest margin | 2.6202% | 4,146 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.8913% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1354% | 4,487 |
| Return on assets (ROA) | 0.1300% | 4,479 |
| Pretax return on assets | 0.1356% | 4,487 |
| Return on Equity (ROE) | 1.5900% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.5924% | 4,075 |
| Net charge-offs to loans | -0.1007% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 95.3467% | 207 |
| Assets per employee ($millions) | 3.0877% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3576% | 54 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.4600% | 4,447 |
| Net loans and leases to deposits | 30.2631% | 4,471 |
| Net loans and leases to core deposits | 31.2182% | 4,467 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 7.8846% | 3,132 |
| Core capital (leverage) ratio | 10.3488% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5795% | 250 |
| Memoranda: | ||
| Average total assets | $36,143,000 | 4,566 |
| Average earning assets | $33,279,400 | 4,539 |
| Average equity | $2,951,600 | 4,614 |
| Average total loans | $9,928,400 | 4,558 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7222% | 4,277 |
| Cost of funding earning assets | 0.1429% | 3,916 |
| Net interest margin | 2.5793% | 4,130 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.8056% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1814% | 4,488 |
| Return on assets (ROA) | 0.1744% | 4,464 |
| Pretax return on assets | 0.1817% | 4,475 |
| Return on Equity (ROE) | 2.1200% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.1192% | 4,001 |
| Net charge-offs to loans | -0.2407% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.6893% | 237 |
| Assets per employee ($millions) | 3.2698% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3443% | 56 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 26.5100% | 4,496 |
| Net loans and leases to deposits | 29.4014% | 4,508 |
| Net loans and leases to core deposits | 30.2820% | 4,506 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 7.3843% | 3,278 |
| Core capital (leverage) ratio | 10.0580% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0664% | 248 |
| Memoranda: | ||
| Average total assets | $36,687,500 | 4,595 |
| Average earning assets | $33,600,000 | 4,575 |
| Average equity | $3,020,000 | 4,652 |
| Average total loans | $9,972,250 | 4,594 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6645% | 4,193 |
| Cost of funding earning assets | 0.1353% | 3,769 |
| Net interest margin | 2.5292% | 4,037 |
| Noninterest income to average assets | 0.6120% | 1,689 |
| Noninterest expense to average assets | 2.6647% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2708% | 4,338 |
| Return on assets (ROA) | 0.2708% | 4,290 |
| Pretax return on assets | 0.2762% | 4,324 |
| Return on Equity (ROE) | 3.1834% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.1834% | 3,389 |
| Net charge-offs to loans | -0.3609% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6077% | 381 |
| Assets per employee ($millions) | 3.5344% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3244% | 57 |
| Loan loss allowance to noncurrent loans | 1,006.9767% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 2,931 |
| Noncurrent loans to loans | 0.4294% | 1,836 |
| Net loans and leases to total assets | 24.6412% | 4,585 |
| Net loans and leases to deposits | 26.6370% | 4,609 |
| Net loans and leases to core deposits | 27.3527% | 4,611 |
| Total domestic deposits to total assets | 92.5073% | 649 |
| Equity capital to assets | 7.3666% | 3,553 |
| Core capital (leverage) ratio | 9.7375% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2950% | 239 |
| Memoranda: | ||
| Average total assets | $36,927,333 | 4,632 |
| Average earning assets | $34,003,000 | 4,623 |
| Average equity | $3,141,333 | 4,678 |
| Average total loans | $9,974,000 | 4,660 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6326% | 4,065 |
| Cost of funding earning assets | 0.1410% | 3,615 |
| Net interest margin | 2.4916% | 3,916 |
| Noninterest income to average assets | 0.6119% | 1,641 |
| Noninterest expense to average assets | 2.5256% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4450% | 3,857 |
| Return on assets (ROA) | 0.4450% | 3,823 |
| Pretax return on assets | 0.4450% | 3,958 |
| Return on Equity (ROE) | 4.8780% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,635 |
| Net charge-offs to loans | -0.6831% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0187% | 786 |
| Assets per employee ($millions) | 3.6631% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2679% | 62 |
| Loan loss allowance to noncurrent loans | 540.0000% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,333 |
| Noncurrent loans to loans | 0.7904% | 1,202 |
| Net loans and leases to total assets | 26.4530% | 4,545 |
| Net loans and leases to deposits | 28.9306% | 4,577 |
| Net loans and leases to core deposits | 29.7668% | 4,585 |
| Total domestic deposits to total assets | 91.4362% | 839 |
| Equity capital to assets | 8.4846% | 3,175 |
| Core capital (leverage) ratio | 9.7359% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0796% | 224 |
| Memoranda: | ||
| Average total assets | $35,952,000 | 4,665 |
| Average earning assets | $34,034,500 | 4,651 |
| Average equity | $3,280,000 | 4,706 |
| Average total loans | $9,954,500 | 4,684 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8442% | 4,139 |
| Cost of funding earning assets | 0.1735% | 3,739 |
| Net interest margin | 2.6707% | 3,926 |
| Noninterest income to average assets | 0.7065% | 1,742 |
| Noninterest expense to average assets | 3.0013% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2185% | 4,517 |
| Return on assets (ROA) | 0.2402% | 4,507 |
| Pretax return on assets | 0.2515% | 4,527 |
| Return on Equity (ROE) | 2.4036% | 4,454 |
| Retained earnings to average equity (ytd only) | 2.4036% | 3,858 |
| Net charge-offs to loans | 0.0091% | 2,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 988 |
| Efficiency ratio | 92.9134% | 250 |
| Assets per employee ($millions) | 2.9394% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2403% | 60 |
| Loan loss allowance to noncurrent loans | 271.2418% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 1,515 |
| Noncurrent loans to loans | 1.5633% | 570 |
| Net loans and leases to total assets | 26.5699% | 4,608 |
| Net loans and leases to deposits | 29.4828% | 4,632 |
| Net loans and leases to core deposits | 30.3812% | 4,635 |
| Total domestic deposits to total assets | 90.1199% | 905 |
| Equity capital to assets | 9.7865% | 2,867 |
| Core capital (leverage) ratio | 9.5875% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6269% | 225 |
| Memoranda: | ||
| Average total assets | $35,384,800 | 4,706 |
| Average earning assets | $33,436,600 | 4,686 |
| Average equity | $3,536,400 | 4,739 |
| Average total loans | $10,939,600 | 4,714 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9142% | 4,148 |
| Cost of funding earning assets | 0.1839% | 3,773 |
| Net interest margin | 2.7303% | 3,912 |
| Noninterest income to average assets | 0.7078% | 1,800 |
| Noninterest expense to average assets | 2.8426% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4226% | 4,338 |
| Return on assets (ROA) | 0.4518% | 4,325 |
| Pretax return on assets | 0.4669% | 4,409 |
| Return on Equity (ROE) | 4.4974% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.4974% | 3,404 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6820% | 413 |
| Assets per employee ($millions) | 3.3424% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7837% | 77 |
| Loan loss allowance to noncurrent loans | 81.5324% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 379 |
| Noncurrent loans to loans | 4.6408% | 90 |
| Net loans and leases to total assets | 28.7031% | 4,623 |
| Net loans and leases to deposits | 31.8447% | 4,674 |
| Net loans and leases to core deposits | 32.7733% | 4,678 |
| Total domestic deposits to total assets | 90.1349% | 712 |
| Equity capital to assets | 9.7073% | 3,182 |
| Core capital (leverage) ratio | 9.7284% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8888% | 182 |
| Memoranda: | ||
| Average total assets | $35,412,750 | 4,776 |
| Average earning assets | $33,353,500 | 4,756 |
| Average equity | $3,557,500 | 4,807 |
| Average total loans | $11,227,750 | 4,784 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0250% | 3,997 |
| Cost of funding earning assets | 0.2029% | 3,719 |
| Net interest margin | 2.8221% | 3,745 |
| Noninterest income to average assets | 0.7036% | 1,794 |
| Noninterest expense to average assets | 2.9461% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3780% | 4,427 |
| Return on assets (ROA) | 0.4233% | 4,384 |
| Pretax return on assets | 0.4290% | 4,476 |
| Return on Equity (ROE) | 4.1647% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.1647% | 3,471 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4880% | 385 |
| Assets per employee ($millions) | 3.2220% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8242% | 76 |
| Loan loss allowance to noncurrent loans | 69.9160% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 359 |
| Noncurrent loans to loans | 5.4698% | 68 |
| Net loans and leases to total assets | 27.0588% | 4,727 |
| Net loans and leases to deposits | 29.8522% | 4,755 |
| Net loans and leases to core deposits | 30.2309% | 4,772 |
| Total domestic deposits to total assets | 90.6425% | 501 |
| Equity capital to assets | 9.1894% | 3,610 |
| Core capital (leverage) ratio | 9.4247% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0227% | 301 |
| Memoranda: | ||
| Average total assets | $34,961,667 | 4,812 |
| Average earning assets | $32,529,000 | 4,798 |
| Average equity | $3,553,667 | 4,843 |
| Average total loans | $11,314,333 | 4,816 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2509% | 3,572 |
| Cost of funding earning assets | 0.2072% | 3,851 |
| Net interest margin | 3.0436% | 3,153 |
| Noninterest income to average assets | 0.7369% | 1,756 |
| Noninterest expense to average assets | 2.5249% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0399% | 2,669 |
| Return on assets (ROA) | 1.1356% | 2,442 |
| Pretax return on assets | 1.1477% | 2,995 |
| Return on Equity (ROE) | 10.5796% | 2,503 |
| Retained earnings to average equity (ytd only) | 10.5796% | 1,495 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6081% | 1,638 |
| Assets per employee ($millions) | 3.1518% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7574% | 81 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 30.6605% | 4,678 |
| Net loans and leases to deposits | 34.2970% | 4,723 |
| Net loans and leases to core deposits | 34.7886% | 4,744 |
| Total domestic deposits to total assets | 89.3972% | 1,128 |
| Equity capital to assets | 10.3432% | 2,400 |
| Core capital (leverage) ratio | 10.6248% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,110,500 | 4,846 |
| Average earning assets | $30,884,000 | 4,830 |
| Average equity | $3,554,000 | 4,865 |
| Average total loans | $11,532,500 | 4,838 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 2,531 |
| Cost of funding earning assets | 0.2475% | 4,388 |
| Net interest margin | 3.8175% | 1,453 |
| Noninterest income to average assets | 0.7827% | 1,580 |
| Noninterest expense to average assets | 3.5833% | 617 |
| Loan and lease loss provision to assets | 0.4764% | 553 |
| Net operating income to assets | 0.2756% | 4,469 |
| Return on assets (ROA) | 0.2756% | 4,535 |
| Pretax return on assets | 0.2927% | 4,553 |
| Return on Equity (ROE) | 2.3288% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.3288% | 3,694 |
| Net charge-offs to loans | 0.0987% | 1,483 |
| Credit loss provision to net charge-offs | 1,166.6667% | 697 |
| Earnings coverage of net charge-offs (x) | 18.8333% | 2,007 |
| Efficiency ratio | 82.3299% | 729 |
| Assets per employee ($millions) | 2.8683% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4526% | 98 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 36.7817% | 4,568 |
| Net loans and leases to deposits | 41.5250% | 4,611 |
| Net loans and leases to core deposits | 42.1847% | 4,646 |
| Total domestic deposits to total assets | 88.5772% | 1,179 |
| Equity capital to assets | 11.1629% | 2,124 |
| Core capital (leverage) ratio | 10.7225% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,386,000 | 4,881 |
| Average earning assets | $27,478,800 | 4,863 |
| Average equity | $3,478,200 | 4,883 |
| Average total loans | $12,154,800 | 4,860 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,382 |
| Cost of funding earning assets | 0.2556% | 4,493 |
| Net interest margin | 3.9512% | 1,234 |
| Noninterest income to average assets | 0.8182% | 1,426 |
| Noninterest expense to average assets | 3.5130% | 697 |
| Loan and lease loss provision to assets | 0.6483% | 368 |
| Net operating income to assets | 0.3189% | 4,413 |
| Return on assets (ROA) | 0.3189% | 4,464 |
| Pretax return on assets | 0.3744% | 4,461 |
| Return on Equity (ROE) | 2.6533% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.6533% | 3,664 |
| Net charge-offs to loans | 0.1094% | 1,244 |
| Credit loss provision to net charge-offs | 1,400.0000% | 652 |
| Earnings coverage of net charge-offs (x) | 22.1000% | 1,841 |
| Efficiency ratio | 77.4720% | 1,089 |
| Assets per employee ($millions) | 2.8778% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3143% | 106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 38.5203% | 4,607 |
| Net loans and leases to deposits | 43.4693% | 4,676 |
| Net loans and leases to core deposits | 44.1556% | 4,709 |
| Total domestic deposits to total assets | 88.6151% | 934 |
| Equity capital to assets | 11.1416% | 2,288 |
| Core capital (leverage) ratio | 10.8484% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3497% | 387 |
| Memoranda: | ||
| Average total assets | $28,844,750 | 4,917 |
| Average earning assets | $27,130,000 | 4,895 |
| Average equity | $3,467,250 | 4,910 |
| Average total loans | $12,188,500 | 4,884 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,977 |
| Cost of funding earning assets | 0.2762% | 4,549 |
| Net interest margin | 4.2039% | 913 |
| Noninterest income to average assets | 0.8371% | 1,327 |
| Noninterest expense to average assets | 3.6273% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0589% | 2,108 |
| Return on assets (ROA) | 1.0589% | 2,244 |
| Pretax return on assets | 1.1304% | 2,617 |
| Return on Equity (ROE) | 8.4717% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.4717% | 1,172 |
| Net charge-offs to loans | 0.0332% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 813 |
| Efficiency ratio | 76.2406% | 1,242 |
| Assets per employee ($millions) | 2.6908% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 301 |
| Loan loss allowance to noncurrent loans | 4,766.6667% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,454 |
| Noncurrent loans to loans | 0.0476% | 4,294 |
| Net loans and leases to total assets | 41.6636% | 4,540 |
| Net loans and leases to deposits | 47.6839% | 4,603 |
| Net loans and leases to core deposits | 48.4996% | 4,654 |
| Total domestic deposits to total assets | 87.3746% | 1,460 |
| Equity capital to assets | 12.2268% | 1,525 |
| Core capital (leverage) ratio | 12.0021% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7611% | 605 |
| Memoranda: | ||
| Average total assets | $27,954,333 | 4,953 |
| Average earning assets | $26,071,000 | 4,935 |
| Average equity | $3,494,000 | 4,936 |
| Average total loans | $12,047,333 | 4,919 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 2,499 |
| Cost of funding earning assets | 0.2860% | 4,698 |
| Net interest margin | 4.1466% | 1,034 |
| Noninterest income to average assets | 0.7961% | 1,328 |
| Noninterest expense to average assets | 3.6562% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8698% | 2,617 |
| Return on assets (ROA) | 0.8698% | 2,723 |
| Pretax return on assets | 0.9878% | 2,875 |
| Return on Equity (ROE) | 6.8775% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.8775% | 1,584 |
| Net charge-offs to loans | 0.0680% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,114 |
| Efficiency ratio | 78.7302% | 1,261 |
| Assets per employee ($millions) | 2.5199% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4388% | 272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 41.2749% | 4,619 |
| Net loans and leases to deposits | 47.3493% | 4,683 |
| Net loans and leases to core deposits | 48.2132% | 4,722 |
| Total domestic deposits to total assets | 87.1713% | 1,478 |
| Equity capital to assets | 12.5293% | 1,711 |
| Core capital (leverage) ratio | 12.6450% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4511% | 533 |
| Memoranda: | ||
| Average total assets | $27,132,000 | 4,997 |
| Average earning assets | $25,177,000 | 4,984 |
| Average equity | $3,431,500 | 4,989 |
| Average total loans | $11,762,000 | 4,966 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 2,971 |
| Cost of funding earning assets | 0.2375% | 4,879 |
| Net interest margin | 4.2560% | 1,192 |
| Noninterest income to average assets | 1.1485% | 712 |
| Noninterest expense to average assets | 3.7138% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3543% | 1,491 |
| Return on assets (ROA) | 1.3989% | 1,416 |
| Pretax return on assets | 1.4562% | 1,953 |
| Return on Equity (ROE) | 12.5264% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.5264% | 201 |
| Net charge-offs to loans | 0.0334% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 689 |
| Efficiency ratio | 72.4860% | 1,797 |
| Assets per employee ($millions) | 2.4132% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4413% | 233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.3566% | 4,624 |
| Net loans and leases to deposits | 49.8808% | 4,691 |
| Net loans and leases to core deposits | 50.8303% | 4,735 |
| Total domestic deposits to total assets | 86.9203% | 1,650 |
| Equity capital to assets | 12.7708% | 1,664 |
| Core capital (leverage) ratio | 12.2412% | 1,634 |
| Tier 1 risk-based capital ratio | 22.1112% | 1,011 |
| Total risk-based capital ratio | 23.3686% | 987 |
| Memoranda: | ||
| Average total assets | $27,949,600 | 5,048 |
| Average earning assets | $26,104,600 | 5,032 |
| Average equity | $3,121,400 | 5,066 |
| Average total loans | $11,976,800 | 5,030 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 3,235 |
| Cost of funding earning assets | 0.2221% | 4,990 |
| Net interest margin | 4.2193% | 1,330 |
| Noninterest income to average assets | 0.7726% | 1,512 |
| Noninterest expense to average assets | 3.3968% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0885% | 2,617 |
| Return on assets (ROA) | 1.1354% | 2,520 |
| Pretax return on assets | 1.3710% | 2,421 |
| Return on Equity (ROE) | 10.5207% | 2,204 |
| Retained earnings to average equity (ytd only) | 10.5207% | 621 |
| Net charge-offs to loans | 0.0443% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 69.7917% | 953 |
| Efficiency ratio | 72.1000% | 1,823 |
| Assets per employee ($millions) | 2.5044% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3745% | 261 |
| Loan loss allowance to noncurrent loans | 28,800.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,759 |
| Noncurrent loans to loans | 0.0082% | 4,646 |
| Net loans and leases to total assets | 42.9832% | 4,721 |
| Net loans and leases to deposits | 49.2001% | 4,796 |
| Net loans and leases to core deposits | 50.0931% | 4,832 |
| Total domestic deposits to total assets | 87.3639% | 1,336 |
| Equity capital to assets | 11.7286% | 2,480 |
| Core capital (leverage) ratio | 11.4991% | 2,219 |
| Tier 1 risk-based capital ratio | 20.5566% | 1,268 |
| Total risk-based capital ratio | 21.8128% | 1,241 |
| Memoranda: | ||
| Average total assets | $28,300,750 | 5,122 |
| Average earning assets | $26,417,500 | 5,108 |
| Average equity | $3,054,250 | 5,144 |
| Average total loans | $12,021,750 | 5,108 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 3,442 |
| Cost of funding earning assets | 0.2092% | 5,052 |
| Net interest margin | 4.1545% | 1,479 |
| Noninterest income to average assets | 0.6374% | 1,987 |
| Noninterest expense to average assets | 3.4114% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9221% | 3,202 |
| Return on assets (ROA) | 0.9106% | 3,303 |
| Pretax return on assets | 1.1068% | 3,214 |
| Return on Equity (ROE) | 8.6802% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.6802% | 1,131 |
| Net charge-offs to loans | 0.0334% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 813 |
| Efficiency ratio | 75.2705% | 1,485 |
| Assets per employee ($millions) | 2.8173% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.1884% | 4,814 |
| Net loans and leases to deposits | 46.6605% | 4,881 |
| Net loans and leases to core deposits | 47.4757% | 4,922 |
| Total domestic deposits to total assets | 88.2725% | 979 |
| Equity capital to assets | 11.0247% | 3,018 |
| Core capital (leverage) ratio | 10.7257% | 2,872 |
| Tier 1 risk-based capital ratio | 19.8928% | 1,367 |
| Total risk-based capital ratio | 21.1458% | 1,341 |
| Memoranda: | ||
| Average total assets | $28,551,670 | 5,162 |
| Average earning assets | $26,766,330 | 5,147 |
| Average equity | $2,995,330 | 5,188 |
| Average total loans | $11,986,000 | 5,152 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 3,623 |
| Cost of funding earning assets | 0.2072% | 5,104 |
| Net interest margin | 4.0700% | 1,641 |
| Noninterest income to average assets | 0.6402% | 1,860 |
| Noninterest expense to average assets | 3.3541% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9564% | 3,021 |
| Return on assets (ROA) | 0.9325% | 3,154 |
| Pretax return on assets | 1.0856% | 3,190 |
| Return on Equity (ROE) | 9.1156% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.1156% | 1,283 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0779% | 1,603 |
| Assets per employee ($millions) | 2.6329% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5123% | 243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 38.9890% | 4,920 |
| Net loans and leases to deposits | 43.7946% | 4,994 |
| Net loans and leases to core deposits | 44.5286% | 5,029 |
| Total domestic deposits to total assets | 89.0270% | 845 |
| Equity capital to assets | 10.4067% | 3,411 |
| Core capital (leverage) ratio | 10.3467% | 3,226 |
| Tier 1 risk-based capital ratio | 19.5187% | 1,434 |
| Total risk-based capital ratio | 20.7738% | 1,409 |
| Memoranda: | ||
| Average total assets | $28,741,000 | 5,213 |
| Average earning assets | $27,027,000 | 5,198 |
| Average equity | $2,940,000 | 5,245 |
| Average total loans | $12,032,000 | 5,208 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,836 |
| Cost of funding earning assets | 0.1831% | 5,068 |
| Net interest margin | 3.8878% | 2,367 |
| Noninterest income to average assets | 0.6688% | 1,967 |
| Noninterest expense to average assets | 3.4585% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6863% | 4,176 |
| Return on assets (ROA) | 0.6890% | 4,172 |
| Pretax return on assets | 0.8537% | 4,029 |
| Return on Equity (ROE) | 7.3345% | 3,714 |
| Retained earnings to average equity (ytd only) | 7.3345% | 1,523 |
| Net charge-offs to loans | -0.1857% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2652% | 936 |
| Assets per employee ($millions) | 2.5927% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3396% | 269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 42.7384% | 4,854 |
| Net loans and leases to deposits | 47.8507% | 4,935 |
| Net loans and leases to core deposits | 48.6606% | 4,974 |
| Total domestic deposits to total assets | 89.3163% | 725 |
| Equity capital to assets | 10.0491% | 3,632 |
| Core capital (leverage) ratio | 10.1630% | 3,397 |
| Tier 1 risk-based capital ratio | 18.6061% | 1,594 |
| Total risk-based capital ratio | 19.8612% | 1,551 |
| Memoranda: | ||
| Average total assets | $29,752,800 | 5,245 |
| Average earning assets | $27,856,200 | 5,229 |
| Average equity | $2,795,000 | 5,296 |
| Average total loans | $12,384,200 | 5,243 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,840 |
| Cost of funding earning assets | 0.1751% | 5,120 |
| Net interest margin | 3.8561% | 2,455 |
| Noninterest income to average assets | 0.6609% | 2,021 |
| Noninterest expense to average assets | 3.3487% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6086% | 4,482 |
| Return on assets (ROA) | 0.6121% | 4,474 |
| Pretax return on assets | 0.9314% | 3,921 |
| Return on Equity (ROE) | 6.6253% | 4,068 |
| Retained earnings to average equity (ytd only) | 6.6253% | 2,320 |
| Net charge-offs to loans | -0.2481% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3195% | 1,090 |
| Assets per employee ($millions) | 2.8962% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3369% | 290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 42.1345% | 4,954 |
| Net loans and leases to deposits | 46.9997% | 5,034 |
| Net loans and leases to core deposits | 47.7762% | 5,071 |
| Total domestic deposits to total assets | 89.6485% | 621 |
| Equity capital to assets | 9.7024% | 3,915 |
| Core capital (leverage) ratio | 9.6262% | 4,021 |
| Tier 1 risk-based capital ratio | 17.9262% | 1,812 |
| Total risk-based capital ratio | 19.1827% | 1,773 |
| Memoranda: | ||
| Average total assets | $30,061,000 | 5,307 |
| Average earning assets | $28,180,000 | 5,288 |
| Average equity | $2,777,250 | 5,366 |
| Average total loans | $12,360,000 | 5,309 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,742 |
| Cost of funding earning assets | 0.1687% | 5,161 |
| Net interest margin | 3.8456% | 2,402 |
| Noninterest income to average assets | 0.6442% | 2,118 |
| Noninterest expense to average assets | 3.3457% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7439% | 4,056 |
| Return on assets (ROA) | 0.7493% | 4,034 |
| Pretax return on assets | 0.9005% | 3,968 |
| Return on Equity (ROE) | 8.2420% | 3,396 |
| Retained earnings to average equity (ytd only) | 8.2420% | 1,523 |
| Net charge-offs to loans | -0.4060% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9147% | 1,123 |
| Assets per employee ($millions) | 2.4953% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 41.3486% | 5,012 |
| Net loans and leases to deposits | 45.8233% | 5,105 |
| Net loans and leases to core deposits | 46.5469% | 5,135 |
| Total domestic deposits to total assets | 90.2348% | 491 |
| Equity capital to assets | 9.3144% | 4,271 |
| Core capital (leverage) ratio | 9.3337% | 4,324 |
| Tier 1 risk-based capital ratio | 17.3052% | 1,999 |
| Total risk-based capital ratio | 18.5582% | 1,951 |
| Memoranda: | ||
| Average total assets | $30,427,330 | 5,366 |
| Average earning assets | $28,448,000 | 5,346 |
| Average equity | $2,766,330 | 5,427 |
| Average total loans | $12,315,000 | 5,369 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,130 |
| Cost of funding earning assets | 0.1672% | 5,177 |
| Net interest margin | 3.6635% | 2,945 |
| Noninterest income to average assets | 0.6391% | 2,079 |
| Noninterest expense to average assets | 3.3127% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6282% | 4,345 |
| Return on assets (ROA) | 0.6391% | 4,328 |
| Pretax return on assets | 0.7695% | 4,223 |
| Return on Equity (ROE) | 7.1143% | 3,742 |
| Retained earnings to average equity (ytd only) | 7.1143% | 2,227 |
| Net charge-offs to loans | -0.1319% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4103% | 1,009 |
| Assets per employee ($millions) | 2.3768% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2558% | 348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 38.2828% | 5,128 |
| Net loans and leases to deposits | 42.2253% | 5,211 |
| Net loans and leases to core deposits | 42.8680% | 5,243 |
| Total domestic deposits to total assets | 90.6631% | 422 |
| Equity capital to assets | 8.9517% | 4,614 |
| Core capital (leverage) ratio | 9.1559% | 4,497 |
| Tier 1 risk-based capital ratio | 17.4073% | 2,003 |
| Total risk-based capital ratio | 18.6600% | 1,957 |
| Memoranda: | ||
| Average total assets | $30,669,500 | 5,424 |
| Average earning assets | $28,716,000 | 5,402 |
| Average equity | $2,755,000 | 5,489 |
| Average total loans | $12,135,000 | 5,437 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,093 |
| Cost of funding earning assets | 0.1640% | 5,188 |
| Net interest margin | 3.9248% | 2,008 |
| Noninterest income to average assets | 0.7368% | 1,816 |
| Noninterest expense to average assets | 3.7711% | 722 |
| Loan and lease loss provision to assets | 0.1633% | 1,357 |
| Net operating income to assets | 0.3974% | 4,698 |
| Return on assets (ROA) | 0.4101% | 4,679 |
| Pretax return on assets | 0.4646% | 4,986 |
| Return on Equity (ROE) | 4.1538% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.1538% | 2,678 |
| Net charge-offs to loans | 0.0558% | 2,693 |
| Credit loss provision to net charge-offs | 642.8571% | 502 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,769 |
| Efficiency ratio | 86.0099% | 644 |
| Assets per employee ($millions) | 2.5367% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2107% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 39.0900% | 5,170 |
| Net loans and leases to deposits | 43.1389% | 5,264 |
| Net loans and leases to core deposits | 43.8043% | 5,299 |
| Total domestic deposits to total assets | 90.6143% | 360 |
| Equity capital to assets | 9.0145% | 4,702 |
| Core capital (leverage) ratio | 8.9358% | 4,722 |
| Tier 1 risk-based capital ratio | 16.9624% | 2,111 |
| Total risk-based capital ratio | 18.2172% | 2,051 |
| Memoranda: | ||
| Average total assets | $27,551,800 | 5,526 |
| Average earning assets | $25,606,200 | 5,502 |
| Average equity | $2,720,400 | 5,551 |
| Average total loans | $12,551,600 | 5,495 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 2,775 |
| Cost of funding earning assets | 0.1653% | 5,221 |
| Net interest margin | 3.9890% | 1,735 |
| Noninterest income to average assets | 0.7653% | 1,712 |
| Noninterest expense to average assets | 3.7221% | 750 |
| Loan and lease loss provision to assets | 0.2236% | 829 |
| Net operating income to assets | 0.4628% | 4,843 |
| Return on assets (ROA) | 0.4671% | 4,866 |
| Pretax return on assets | 0.5417% | 4,945 |
| Return on Equity (ROE) | 4.6171% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.6171% | 3,128 |
| Net charge-offs to loans | -0.0844% | 5,332 |
| Credit loss provision to net charge-offs | -562.5000% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0377% | 836 |
| Assets per employee ($millions) | 2.5088% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 40.6464% | 5,171 |
| Net loans and leases to deposits | 44.9163% | 5,287 |
| Net loans and leases to core deposits | 45.6162% | 5,322 |
| Total domestic deposits to total assets | 90.4936% | 330 |
| Equity capital to assets | 9.1178% | 4,811 |
| Core capital (leverage) ratio | 9.3909% | 4,303 |
| Tier 1 risk-based capital ratio | 16.7744% | 2,225 |
| Total risk-based capital ratio | 18.0297% | 2,179 |
| Memoranda: | ||
| Average total assets | $26,829,750 | 5,595 |
| Average earning assets | $25,001,250 | 5,574 |
| Average equity | $2,714,500 | 5,613 |
| Average total loans | $12,647,500 | 5,553 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 2,253 |
| Cost of funding earning assets | 0.1677% | 5,222 |
| Net interest margin | 4.0909% | 1,347 |
| Noninterest income to average assets | 0.9014% | 1,269 |
| Noninterest expense to average assets | 3.9941% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6287% | 4,172 |
| Return on assets (ROA) | 0.6217% | 4,251 |
| Pretax return on assets | 0.6916% | 4,573 |
| Return on Equity (ROE) | 5.9164% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,168 |
| Net charge-offs to loans | -0.0788% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0993% | 753 |
| Assets per employee ($millions) | 1.8221% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 805 |
| Loan loss allowance to noncurrent loans | 1,242.1053% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,901 |
| Noncurrent loans to loans | 0.1485% | 4,516 |
| Net loans and leases to total assets | 49.2317% | 4,748 |
| Net loans and leases to deposits | 55.3894% | 4,882 |
| Net loans and leases to core deposits | 56.4272% | 4,978 |
| Total domestic deposits to total assets | 88.8828% | 1,016 |
| Equity capital to assets | 10.7213% | 3,114 |
| Core capital (leverage) ratio | 10.6012% | 2,813 |
| Tier 1 risk-based capital ratio | 17.2882% | 2,067 |
| Total risk-based capital ratio | 18.5376% | 2,021 |
| Memoranda: | ||
| Average total assets | $25,737,670 | 5,648 |
| Average earning assets | $23,858,000 | 5,633 |
| Average equity | $2,704,330 | 5,663 |
| Average total loans | $12,689,670 | 5,600 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,097 |
| Cost of funding earning assets | 0.1680% | 5,248 |
| Net interest margin | 4.0820% | 1,264 |
| Noninterest income to average assets | 0.8820% | 1,298 |
| Noninterest expense to average assets | 3.8528% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7272% | 3,577 |
| Return on assets (ROA) | 0.7272% | 3,626 |
| Pretax return on assets | 0.7891% | 4,147 |
| Return on Equity (ROE) | 6.9914% | 3,401 |
| Retained earnings to average equity (ytd only) | 6.9914% | 1,853 |
| Net charge-offs to loans | -0.0633% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0000% | 1,061 |
| Assets per employee ($millions) | 1.8524% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.0199% | 4,822 |
| Net loans and leases to deposits | 53.9091% | 4,939 |
| Net loans and leases to core deposits | 54.9001% | 5,027 |
| Total domestic deposits to total assets | 89.0757% | 1,110 |
| Equity capital to assets | 10.4500% | 3,235 |
| Core capital (leverage) ratio | 10.4530% | 2,955 |
| Tier 1 risk-based capital ratio | 17.3995% | 2,067 |
| Total risk-based capital ratio | 18.6465% | 2,013 |
| Memoranda: | ||
| Average total assets | $25,851,500 | 5,719 |
| Average earning assets | $23,812,000 | 5,697 |
| Average equity | $2,689,000 | 5,726 |
| Average total loans | $12,637,000 | 5,663 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 2,384 |
| Cost of funding earning assets | 0.1798% | 5,218 |
| Net interest margin | 4.0504% | 1,495 |
| Noninterest income to average assets | 0.9081% | 1,387 |
| Noninterest expense to average assets | 4.0529% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5150% | 4,572 |
| Return on assets (ROA) | 0.5150% | 4,654 |
| Pretax return on assets | 0.5739% | 4,865 |
| Return on Equity (ROE) | 4.8972% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.8037% | 3,907 |
| Net charge-offs to loans | -0.0413% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5956% | 709 |
| Assets per employee ($millions) | 1.8407% | 5,812 |
| Cash dividends to net income (ytd only)* | 42.7481% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 892 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,333 |
| Noncurrent loans to loans | 0.0318% | 5,141 |
| Net loans and leases to total assets | 47.9511% | 4,901 |
| Net loans and leases to deposits | 53.7518% | 5,023 |
| Net loans and leases to core deposits | 54.7424% | 5,115 |
| Total domestic deposits to total assets | 89.2084% | 1,005 |
| Equity capital to assets | 10.3531% | 3,324 |
| Core capital (leverage) ratio | 10.2155% | 3,207 |
| Tier 1 risk-based capital ratio | 16.9381% | 2,175 |
| Total risk-based capital ratio | 18.1871% | 2,127 |
| Memoranda: | ||
| Average total assets | $25,438,600 | 5,773 |
| Average earning assets | $23,355,600 | 5,756 |
| Average equity | $2,675,000 | 5,785 |
| Average total loans | $12,105,000 | 5,729 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,287 |
| Cost of funding earning assets | 0.1831% | 5,240 |
| Net interest margin | 4.0800% | 1,443 |
| Noninterest income to average assets | 0.9307% | 1,311 |
| Noninterest expense to average assets | 3.9175% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7046% | 3,820 |
| Return on assets (ROA) | 0.7046% | 3,953 |
| Pretax return on assets | 0.7625% | 4,433 |
| Return on Equity (ROE) | 6.6745% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.6745% | 1,798 |
| Net charge-offs to loans | -0.0111% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7079% | 1,014 |
| Assets per employee ($millions) | 1.7814% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 1,083 |
| Loan loss allowance to noncurrent loans | 810.7143% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 4,973 |
| Noncurrent loans to loans | 0.2174% | 4,487 |
| Net loans and leases to total assets | 50.7398% | 4,766 |
| Net loans and leases to deposits | 58.4130% | 4,856 |
| Net loans and leases to core deposits | 59.5566% | 4,956 |
| Total domestic deposits to total assets | 86.8639% | 1,958 |
| Equity capital to assets | 11.0550% | 2,952 |
| Core capital (leverage) ratio | 10.5935% | 2,884 |
| Tier 1 risk-based capital ratio | 17.2392% | 2,154 |
| Total risk-based capital ratio | 18.4888% | 2,111 |
| Memoranda: | ||
| Average total assets | $25,355,750 | 5,835 |
| Average earning assets | $23,299,750 | 5,816 |
| Average equity | $2,676,750 | 5,848 |
| Average total loans | $11,984,250 | 5,793 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,693 |
| Cost of funding earning assets | 0.1791% | 5,328 |
| Net interest margin | 3.9664% | 1,751 |
| Noninterest income to average assets | 0.9100% | 1,347 |
| Noninterest expense to average assets | 3.8283% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6825% | 3,888 |
| Return on assets (ROA) | 0.6825% | 4,030 |
| Pretax return on assets | 0.7296% | 4,536 |
| Return on Equity (ROE) | 6.5660% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.5660% | 1,836 |
| Net charge-offs to loans | -0.0685% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9931% | 1,052 |
| Assets per employee ($millions) | 1.8002% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 909 |
| Loan loss allowance to noncurrent loans | 2,555.5556% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 5,438 |
| Noncurrent loans to loans | 0.0740% | 5,155 |
| Net loans and leases to total assets | 47.3277% | 5,046 |
| Net loans and leases to deposits | 54.7508% | 5,091 |
| Net loans and leases to core deposits | 55.8140% | 5,184 |
| Total domestic deposits to total assets | 86.4421% | 2,200 |
| Equity capital to assets | 10.7765% | 3,314 |
| Core capital (leverage) ratio | 10.6512% | 2,791 |
| Tier 1 risk-based capital ratio | 17.4536% | 2,082 |
| Total risk-based capital ratio | 18.7017% | 2,048 |
| Memoranda: | ||
| Average total assets | $25,494,670 | 5,907 |
| Average earning assets | $23,447,000 | 5,888 |
| Average equity | $2,650,000 | 5,925 |
| Average total loans | $11,685,330 | 5,871 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 3,871 |
| Cost of funding earning assets | 0.1698% | 5,466 |
| Net interest margin | 3.6515% | 2,883 |
| Noninterest income to average assets | 0.9048% | 1,300 |
| Noninterest expense to average assets | 3.7753% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4836% | 4,696 |
| Return on assets (ROA) | 0.4836% | 4,793 |
| Pretax return on assets | 0.4836% | 5,131 |
| Return on Equity (ROE) | 4.7382% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.7382% | 3,096 |
| Net charge-offs to loans | -0.0699% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6447% | 767 |
| Assets per employee ($millions) | 1.9135% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 821 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,596 |
| Noncurrent loans to loans | 0.0351% | 5,354 |
| Net loans and leases to total assets | 44.9407% | 5,193 |
| Net loans and leases to deposits | 50.5677% | 5,309 |
| Net loans and leases to core deposits | 51.5351% | 5,377 |
| Total domestic deposits to total assets | 88.8724% | 1,169 |
| Equity capital to assets | 10.6492% | 3,313 |
| Core capital (leverage) ratio | 10.1638% | 3,352 |
| Tier 1 risk-based capital ratio | 19.9491% | 1,509 |
| Total risk-based capital ratio | 21.1983% | 1,480 |
| Memoranda: | ||
| Average total assets | $25,640,500 | 5,961 |
| Average earning assets | $23,552,000 | 5,944 |
| Average equity | $2,617,000 | 5,983 |
| Average total loans | $11,449,000 | 5,933 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 3,909 |
| Cost of funding earning assets | 0.1776% | 5,484 |
| Net interest margin | 3.6657% | 2,881 |
| Noninterest income to average assets | 0.8458% | 1,622 |
| Noninterest expense to average assets | 3.8396% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3740% | 5,127 |
| Return on assets (ROA) | 0.3705% | 5,228 |
| Pretax return on assets | 0.4004% | 5,319 |
| Return on Equity (ROE) | 3.8354% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.4407% | 4,329 |
| Net charge-offs to loans | -0.1253% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4762% | 661 |
| Assets per employee ($millions) | 2.0312% | 6,045 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 864 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 4,204 |
| Noncurrent loans to loans | 0.6266% | 3,306 |
| Net loans and leases to total assets | 42.6645% | 5,366 |
| Net loans and leases to deposits | 47.4538% | 5,500 |
| Net loans and leases to core deposits | 48.2980% | 5,556 |
| Total domestic deposits to total assets | 89.9076% | 670 |
| Equity capital to assets | 9.7894% | 4,203 |
| Core capital (leverage) ratio | 9.7573% | 3,826 |
| Tier 1 risk-based capital ratio | 20.3956% | 1,405 |
| Total risk-based capital ratio | 21.6479% | 1,386 |
| Memoranda: | ||
| Average total assets | $26,721,600 | 6,005 |
| Average earning assets | $24,770,400 | 5,985 |
| Average equity | $2,581,200 | 6,046 |
| Average total loans | $11,169,000 | 5,992 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,244 |
| Cost of funding earning assets | 0.1763% | 5,585 |
| Net interest margin | 3.5783% | 3,245 |
| Noninterest income to average assets | 0.8208% | 1,726 |
| Noninterest expense to average assets | 3.7710% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3831% | 5,221 |
| Return on assets (ROA) | 0.3980% | 5,262 |
| Pretax return on assets | 0.3980% | 5,467 |
| Return on Equity (ROE) | 4.1337% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.1337% | 3,524 |
| Net charge-offs to loans | -0.1323% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7784% | 644 |
| Assets per employee ($millions) | 2.0347% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,058 |
| Loan loss allowance to noncurrent loans | 853.8462% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,710 |
| Noncurrent loans to loans | 0.2234% | 4,762 |
| Net loans and leases to total assets | 43.1590% | 5,411 |
| Net loans and leases to deposits | 48.3688% | 5,545 |
| Net loans and leases to core deposits | 49.2324% | 5,606 |
| Total domestic deposits to total assets | 89.2291% | 909 |
| Equity capital to assets | 9.9391% | 4,241 |
| Core capital (leverage) ratio | 9.6437% | 4,119 |
| Tier 1 risk-based capital ratio | 20.3253% | 1,471 |
| Total risk-based capital ratio | 21.5809% | 1,439 |
| Memoranda: | ||
| Average total assets | $26,800,500 | 6,086 |
| Average earning assets | $24,964,500 | 6,067 |
| Average equity | $2,580,250 | 6,129 |
| Average total loans | $11,088,500 | 6,071 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,480 |
| Cost of funding earning assets | 0.1755% | 5,650 |
| Net interest margin | 3.5014% | 3,491 |
| Noninterest income to average assets | 0.7727% | 1,909 |
| Noninterest expense to average assets | 3.7746% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2601% | 5,548 |
| Return on assets (ROA) | 0.2601% | 5,634 |
| Pretax return on assets | 0.2601% | 5,725 |
| Return on Equity (ROE) | 2.7301% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.7301% | 4,322 |
| Net charge-offs to loans | -0.1284% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5543% | 546 |
| Assets per employee ($millions) | 1.8546% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 1,043 |
| Loan loss allowance to noncurrent loans | 1,825.0000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 4,988 |
| Noncurrent loans to loans | 0.1076% | 5,317 |
| Net loans and leases to total assets | 42.1237% | 5,497 |
| Net loans and leases to deposits | 47.0085% | 5,630 |
| Net loans and leases to core deposits | 47.8601% | 5,696 |
| Total domestic deposits to total assets | 89.6087% | 838 |
| Equity capital to assets | 9.9407% | 4,101 |
| Core capital (leverage) ratio | 9.4588% | 4,326 |
| Tier 1 risk-based capital ratio | 20.8509% | 1,393 |
| Total risk-based capital ratio | 22.1040% | 1,365 |
| Memoranda: | ||
| Average total assets | $26,917,000 | 6,156 |
| Average earning assets | $25,076,000 | 6,131 |
| Average equity | $2,564,000 | 6,202 |
| Average total loans | $10,905,330 | 6,142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 4,928 |
| Cost of funding earning assets | 0.1732% | 5,745 |
| Net interest margin | 3.3378% | 4,069 |
| Noninterest income to average assets | 0.7301% | 2,020 |
| Noninterest expense to average assets | 3.6651% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1606% | 5,761 |
| Return on assets (ROA) | 0.1606% | 5,835 |
| Pretax return on assets | 0.1606% | 5,883 |
| Return on Equity (ROE) | 1.7218% | 5,748 |
| Retained earnings to average equity (ytd only) | 1.7218% | 4,785 |
| Net charge-offs to loans | 0.6308% | 382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.6471% | 3,026 |
| Efficiency ratio | 95.8015% | 513 |
| Assets per employee ($millions) | 1.9364% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 1,450 |
| Loan loss allowance to noncurrent loans | 780.0000% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,896 |
| Noncurrent loans to loans | 0.2335% | 4,938 |
| Net loans and leases to total assets | 38.7790% | 5,676 |
| Net loans and leases to deposits | 43.0596% | 5,796 |
| Net loans and leases to core deposits | 43.8023% | 5,847 |
| Total domestic deposits to total assets | 90.0590% | 720 |
| Equity capital to assets | 9.5020% | 4,751 |
| Core capital (leverage) ratio | 9.4223% | 4,393 |
| Tier 1 risk-based capital ratio | 20.7196% | 1,476 |
| Total risk-based capital ratio | 21.9768% | 1,445 |
| Memoranda: | ||
| Average total assets | $27,393,500 | 6,219 |
| Average earning assets | $25,406,000 | 6,189 |
| Average equity | $2,555,500 | 6,267 |
| Average total loans | $10,780,000 | 6,211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,892 |
| Cost of funding earning assets | 0.2208% | 5,586 |
| Net interest margin | 3.4436% | 4,008 |
| Noninterest income to average assets | 0.7057% | 2,275 |
| Noninterest expense to average assets | 3.9627% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0793% | 6,142 |
| Return on assets (ROA) | -0.1962% | 6,203 |
| Pretax return on assets | -0.1962% | 6,188 |
| Return on Equity (ROE) | -2.0368% | 6,214 |
| Retained earnings to average equity (ytd only) | -2.0368% | 6,017 |
| Net charge-offs to loans | 0.1785% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -1.1053% | 4,804 |
| Efficiency ratio | 102.0408% | 329 |
| Assets per employee ($millions) | 1.9769% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 1,192 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 3,618 |
| Noncurrent loans to loans | 1.4652% | 2,005 |
| Net loans and leases to total assets | 38.4435% | 5,824 |
| Net loans and leases to deposits | 42.4429% | 5,952 |
| Net loans and leases to core deposits | 43.1538% | 5,987 |
| Total domestic deposits to total assets | 90.5770% | 509 |
| Equity capital to assets | 9.1592% | 5,119 |
| Core capital (leverage) ratio | 8.9884% | 5,017 |
| Tier 1 risk-based capital ratio | 19.0091% | 1,843 |
| Total risk-based capital ratio | 20.2668% | 1,806 |
| Memoranda: | ||
| Average total assets | $26,497,000 | 6,318 |
| Average earning assets | $24,451,400 | 6,286 |
| Average equity | $2,553,000 | 6,341 |
| Average total loans | $10,643,000 | 6,300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 5,030 |
| Cost of funding earning assets | 0.2311% | 5,582 |
| Net interest margin | 3.4109% | 4,193 |
| Noninterest income to average assets | 0.7175% | 2,244 |
| Noninterest expense to average assets | 4.1828% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3104% | 6,320 |
| Return on assets (ROA) | -0.3053% | 6,312 |
| Pretax return on assets | -0.3053% | 6,295 |
| Return on Equity (ROE) | -3.1281% | 6,322 |
| Retained earnings to average equity (ytd only) | -3.1281% | 6,154 |
| Net charge-offs to loans | 0.0630% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -12.1934% | 4,640 |
| Efficiency ratio | 108.0158% | 246 |
| Assets per employee ($millions) | 1.8909% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 1,042 |
| Loan loss allowance to noncurrent loans | 206.3636% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 4,389 |
| Noncurrent loans to loans | 1.0335% | 3,005 |
| Net loans and leases to total assets | 39.3457% | 5,854 |
| Net loans and leases to deposits | 43.6986% | 5,987 |
| Net loans and leases to core deposits | 44.4691% | 6,019 |
| Total domestic deposits to total assets | 90.0389% | 718 |
| Equity capital to assets | 9.5607% | 4,719 |
| Core capital (leverage) ratio | 9.2043% | 4,783 |
| Tier 1 risk-based capital ratio | 19.6304% | 1,749 |
| Total risk-based capital ratio | 20.8860% | 1,717 |
| Memoranda: | ||
| Average total assets | $26,202,000 | 6,398 |
| Average earning assets | $24,235,250 | 6,366 |
| Average equity | $2,557,500 | 6,412 |
| Average total loans | $10,590,750 | 6,374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6506% | 5,008 |
| Cost of funding earning assets | 0.2483% | 5,503 |
| Net interest margin | 3.4022% | 4,159 |
| Noninterest income to average assets | 0.6970% | 2,294 |
| Noninterest expense to average assets | 4.0365% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1915% | 6,314 |
| Return on assets (ROA) | -0.1838% | 6,319 |
| Pretax return on assets | -0.1838% | 6,304 |
| Return on Equity (ROE) | -1.8704% | 6,326 |
| Retained earnings to average equity (ytd only) | -1.8704% | 5,978 |
| Net charge-offs to loans | 0.0378% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -12.5000% | 4,323 |
| Efficiency ratio | 104.9801% | 309 |
| Assets per employee ($millions) | 1.8809% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0852% | 1,210 |
| Loan loss allowance to noncurrent loans | 224.5098% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 4,589 |
| Noncurrent loans to loans | 0.9288% | 3,393 |
| Net loans and leases to total assets | 40.8347% | 5,757 |
| Net loans and leases to deposits | 45.3943% | 5,915 |
| Net loans and leases to core deposits | 46.1998% | 5,990 |
| Total domestic deposits to total assets | 89.9556% | 836 |
| Equity capital to assets | 9.7748% | 4,398 |
| Core capital (leverage) ratio | 9.5673% | 4,227 |
| Tier 1 risk-based capital ratio | 16.9136% | 2,658 |
| Total risk-based capital ratio | 18.1672% | 2,621 |
| Memoranda: | ||
| Average total assets | $26,111,670 | 6,465 |
| Average earning assets | $24,160,670 | 6,430 |
| Average equity | $2,566,330 | 6,464 |
| Average total loans | $10,573,330 | 6,434 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 5,203 |
| Cost of funding earning assets | 0.2492% | 5,588 |
| Net interest margin | 3.3393% | 4,376 |
| Noninterest income to average assets | 0.6769% | 2,311 |
| Noninterest expense to average assets | 4.1537% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3846% | 6,427 |
| Return on assets (ROA) | -0.3846% | 6,428 |
| Pretax return on assets | -0.3846% | 6,422 |
| Return on Equity (ROE) | -3.9024% | 6,440 |
| Retained earnings to average equity (ytd only) | -3.9024% | 6,050 |
| Net charge-offs to loans | 0.0772% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -12.5000% | 3,610 |
| Efficiency ratio | 110.2041% | 261 |
| Assets per employee ($millions) | 1.7549% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,173 |
| Loan loss allowance to noncurrent loans | 313.6986% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 5,068 |
| Noncurrent loans to loans | 0.6986% | 4,118 |
| Net loans and leases to total assets | 38.8239% | 5,886 |
| Net loans and leases to deposits | 43.1770% | 6,014 |
| Net loans and leases to core deposits | 43.9419% | 6,078 |
| Total domestic deposits to total assets | 89.9179% | 1,114 |
| Equity capital to assets | 9.6870% | 4,245 |
| Core capital (leverage) ratio | 9.6418% | 4,076 |
| Tier 1 risk-based capital ratio | 21.3693% | 1,405 |
| Total risk-based capital ratio | 22.6318% | 1,379 |
| Memoranda: | ||
| Average total assets | $26,001,000 | 6,533 |
| Average earning assets | $24,077,000 | 6,496 |
| Average equity | $2,562,500 | 6,526 |
| Average total loans | $10,369,000 | 6,508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 5,548 |
| Cost of funding earning assets | 0.2613% | 5,902 |
| Net interest margin | 3.2830% | 4,725 |
| Noninterest income to average assets | 0.7598% | 2,252 |
| Noninterest expense to average assets | 3.8259% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0559% | 6,259 |
| Return on assets (ROA) | -0.0733% | 6,301 |
| Pretax return on assets | -0.0810% | 6,276 |
| Return on Equity (ROE) | -0.7274% | 6,307 |
| Retained earnings to average equity (ytd only) | -0.7274% | 6,016 |
| Net charge-offs to loans | 0.7034% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.2222% | 5,152 |
| Efficiency ratio | 101.6393% | 431 |
| Assets per employee ($millions) | 1.7119% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2451% | 1,120 |
| Loan loss allowance to noncurrent loans | 962.5000% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 5,764 |
| Noncurrent loans to loans | 0.2333% | 5,483 |
| Net loans and leases to total assets | 39.1697% | 6,021 |
| Net loans and leases to deposits | 43.7628% | 6,133 |
| Net loans and leases to core deposits | 44.5616% | 6,202 |
| Total domestic deposits to total assets | 89.5046% | 1,334 |
| Equity capital to assets | 10.0280% | 3,734 |
| Core capital (leverage) ratio | 9.6033% | 4,112 |
| Tier 1 risk-based capital ratio | 21.6416% | 1,309 |
| Total risk-based capital ratio | 22.8991% | 1,289 |
| Memoranda: | ||
| Average total assets | $25,928,600 | 6,610 |
| Average earning assets | $23,728,200 | 6,583 |
| Average equity | $2,612,000 | 6,604 |
| Average total loans | $10,236,400 | 6,579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 5,701 |
| Cost of funding earning assets | 0.2631% | 6,003 |
| Net interest margin | 3.2302% | 4,897 |
| Noninterest income to average assets | 0.7592% | 2,325 |
| Noninterest expense to average assets | 3.7653% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0462% | 6,336 |
| Return on assets (ROA) | -0.0718% | 6,397 |
| Pretax return on assets | -0.0718% | 6,376 |
| Return on Equity (ROE) | -0.7123% | 6,403 |
| Retained earnings to average equity (ytd only) | -0.7123% | 6,085 |
| Net charge-offs to loans | 0.9390% | 615 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 4,891 |
| Efficiency ratio | 101.2414% | 423 |
| Assets per employee ($millions) | 1.8879% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2738% | 1,220 |
| Loan loss allowance to noncurrent loans | 320.8333% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 5,321 |
| Noncurrent loans to loans | 0.7087% | 4,439 |
| Net loans and leases to total assets | 37.5620% | 6,192 |
| Net loans and leases to deposits | 41.8197% | 6,316 |
| Net loans and leases to core deposits | 42.5565% | 6,370 |
| Total domestic deposits to total assets | 89.8188% | 1,098 |
| Equity capital to assets | 9.7650% | 4,225 |
| Core capital (leverage) ratio | 9.5015% | 4,402 |
| Tier 1 risk-based capital ratio | 21.7062% | 1,363 |
| Total risk-based capital ratio | 22.9650% | 1,342 |
| Memoranda: | ||
| Average total assets | $25,991,250 | 6,680 |
| Average earning assets | $23,816,250 | 6,659 |
| Average equity | $2,621,250 | 6,678 |
| Average total loans | $10,223,250 | 6,650 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 5,402 |
| Cost of funding earning assets | 0.2712% | 6,042 |
| Net interest margin | 3.3392% | 4,423 |
| Noninterest income to average assets | 0.7739% | 2,304 |
| Noninterest expense to average assets | 3.8074% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0155% | 6,289 |
| Return on assets (ROA) | -0.0232% | 6,386 |
| Pretax return on assets | -0.0232% | 6,377 |
| Return on Equity (ROE) | -0.2277% | 6,387 |
| Retained earnings to average equity (ytd only) | -0.2277% | 5,903 |
| Net charge-offs to loans | 1.4056% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0278% | 4,542 |
| Efficiency ratio | 99.5951% | 501 |
| Assets per employee ($millions) | 1.8509% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,392 |
| Loan loss allowance to noncurrent loans | 140.8537% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 4,409 |
| Noncurrent loans to loans | 1.5734% | 2,950 |
| Net loans and leases to total assets | 39.3331% | 6,086 |
| Net loans and leases to deposits | 43.9197% | 6,234 |
| Net loans and leases to core deposits | 44.7116% | 6,296 |
| Total domestic deposits to total assets | 89.5570% | 1,289 |
| Equity capital to assets | 10.0687% | 3,831 |
| Core capital (leverage) ratio | 9.8222% | 3,768 |
| Tier 1 risk-based capital ratio | 21.1190% | 1,465 |
| Total risk-based capital ratio | 22.3797% | 1,434 |
| Memoranda: | ||
| Average total assets | $25,844,670 | 6,735 |
| Average earning assets | $23,598,330 | 6,710 |
| Average equity | $2,634,670 | 6,724 |
| Average total loans | $10,244,670 | 6,691 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 5,319 |
| Cost of funding earning assets | 0.2896% | 6,048 |
| Net interest margin | 3.3560% | 4,289 |
| Noninterest income to average assets | 0.8214% | 2,038 |
| Noninterest expense to average assets | 3.6729% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2015% | 5,885 |
| Return on assets (ROA) | 0.1240% | 6,194 |
| Pretax return on assets | 0.1240% | 6,217 |
| Return on Equity (ROE) | 1.2087% | 6,173 |
| Retained earnings to average equity (ytd only) | 1.2087% | 5,368 |
| Net charge-offs to loans | 0.1969% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,991 |
| Efficiency ratio | 94.8000% | 790 |
| Assets per employee ($millions) | 1.8669% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9102% | 724 |
| Loan loss allowance to noncurrent loans | 178.4431% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 4,533 |
| Noncurrent loans to loans | 1.6309% | 3,093 |
| Net loans and leases to total assets | 38.0380% | 6,146 |
| Net loans and leases to deposits | 42.5800% | 6,286 |
| Net loans and leases to core deposits | 43.3410% | 6,347 |
| Total domestic deposits to total assets | 89.3331% | 1,464 |
| Equity capital to assets | 10.1389% | 3,967 |
| Core capital (leverage) ratio | 9.9409% | 3,474 |
| Tier 1 risk-based capital ratio | 18.8544% | 2,079 |
| Total risk-based capital ratio | 20.1143% | 2,054 |
| Memoranda: | ||
| Average total assets | $25,811,000 | 6,801 |
| Average earning assets | $23,480,000 | 6,776 |
| Average equity | $2,647,500 | 6,791 |
| Average total loans | $10,155,500 | 6,761 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 5,658 |
| Cost of funding earning assets | 0.3362% | 6,289 |
| Net interest margin | 3.5362% | 4,352 |
| Noninterest income to average assets | 0.8285% | 2,138 |
| Noninterest expense to average assets | 3.6988% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4123% | 5,047 |
| Return on assets (ROA) | 0.4005% | 5,342 |
| Pretax return on assets | 0.2984% | 5,818 |
| Return on Equity (ROE) | 3.8970% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.0947% | 4,055 |
| Net charge-offs to loans | -0.5588% | 7,009 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2625% | 896 |
| Assets per employee ($millions) | 1.8204% | 6,941 |
| Cash dividends to net income (ytd only)* | 20.5882% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0086% | 657 |
| Loan loss allowance to noncurrent loans | 150.7463% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 4,121 |
| Noncurrent loans to loans | 1.9958% | 2,704 |
| Net loans and leases to total assets | 38.3284% | 6,278 |
| Net loans and leases to deposits | 43.0669% | 6,423 |
| Net loans and leases to core deposits | 44.9786% | 6,421 |
| Total domestic deposits to total assets | 88.9974% | 1,564 |
| Equity capital to assets | 10.3787% | 3,663 |
| Core capital (leverage) ratio | 9.8776% | 3,573 |
| Tier 1 risk-based capital ratio | 19.0469% | 1,942 |
| Total risk-based capital ratio | 20.3088% | 1,912 |
| Memoranda: | ||
| Average total assets | $25,467,600 | 6,860 |
| Average earning assets | $22,906,000 | 6,840 |
| Average equity | $2,617,400 | 6,860 |
| Average total loans | $10,200,800 | 6,840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 5,925 |
| Cost of funding earning assets | 0.3491% | 6,378 |
| Net interest margin | 3.4909% | 4,683 |
| Noninterest income to average assets | 0.8482% | 2,043 |
| Noninterest expense to average assets | 3.5920% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3762% | 5,346 |
| Return on assets (ROA) | 0.3613% | 5,601 |
| Pretax return on assets | 0.3822% | 5,756 |
| Return on Equity (ROE) | 3.5242% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.5242% | 4,397 |
| Net charge-offs to loans | 0.0130% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 76.1880% | 536 |
| Efficiency ratio | 90.0262% | 1,038 |
| Assets per employee ($millions) | 1.8046% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3605% | 1,416 |
| Loan loss allowance to noncurrent loans | 81.3953% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 3,576 |
| Noncurrent loans to loans | 2.9001% | 1,927 |
| Net loans and leases to total assets | 40.1108% | 6,272 |
| Net loans and leases to deposits | 45.1383% | 6,449 |
| Net loans and leases to core deposits | 47.4950% | 6,446 |
| Total domestic deposits to total assets | 88.8621% | 1,506 |
| Equity capital to assets | 10.4809% | 3,866 |
| Core capital (leverage) ratio | 9.9315% | 3,647 |
| Tier 1 risk-based capital ratio | 18.6459% | 2,120 |
| Total risk-based capital ratio | 19.9021% | 2,088 |
| Memoranda: | ||
| Average total assets | $25,463,250 | 6,943 |
| Average earning assets | $22,916,250 | 6,928 |
| Average equity | $2,610,500 | 6,950 |
| Average total loans | $10,233,250 | 6,931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 6,034 |
| Cost of funding earning assets | 0.3577% | 6,475 |
| Net interest margin | 3.4899% | 4,719 |
| Noninterest income to average assets | 0.8853% | 1,840 |
| Noninterest expense to average assets | 3.6272% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3597% | 5,378 |
| Return on assets (ROA) | 0.3525% | 5,643 |
| Pretax return on assets | 0.3839% | 5,742 |
| Return on Equity (ROE) | 3.4642% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.4642% | 4,292 |
| Net charge-offs to loans | -0.2749% | 7,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2534% | 1,054 |
| Assets per employee ($millions) | 1.8826% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4966% | 1,289 |
| Loan loss allowance to noncurrent loans | 393.9394% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 5,252 |
| Noncurrent loans to loans | 0.6338% | 5,238 |
| Net loans and leases to total assets | 38.5263% | 6,436 |
| Net loans and leases to deposits | 43.2159% | 6,590 |
| Net loans and leases to core deposits | 45.5643% | 6,591 |
| Total domestic deposits to total assets | 89.1486% | 1,419 |
| Equity capital to assets | 9.9636% | 4,394 |
| Core capital (leverage) ratio | 9.9477% | 3,490 |
| Tier 1 risk-based capital ratio | 18.3660% | 2,173 |
| Total risk-based capital ratio | 19.6224% | 2,134 |
| Memoranda: | ||
| Average total assets | $25,529,330 | 6,997 |
| Average earning assets | $22,923,330 | 6,989 |
| Average equity | $2,598,000 | 6,993 |
| Average total loans | $10,184,670 | 6,991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 6,282 |
| Cost of funding earning assets | 0.3836% | 6,491 |
| Net interest margin | 3.4003% | 5,120 |
| Noninterest income to average assets | 0.5256% | 3,736 |
| Noninterest expense to average assets | 3.4400% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1738% | 6,057 |
| Return on assets (ROA) | 0.1593% | 6,226 |
| Pretax return on assets | 0.1752% | 6,244 |
| Return on Equity (ROE) | 1.5480% | 6,210 |
| Retained earnings to average equity (ytd only) | 1.5480% | 5,467 |
| Net charge-offs to loans | -0.0794% | 6,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7368% | 786 |
| Assets per employee ($millions) | 1.9598% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4822% | 1,383 |
| Loan loss allowance to noncurrent loans | 43.5852% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 2.6062% | 2,268 |
| Noncurrent loans to loans | 5.6951% | 918 |
| Net loans and leases to total assets | 38.2408% | 6,478 |
| Net loans and leases to deposits | 42.9094% | 6,617 |
| Net loans and leases to core deposits | 43.6925% | 6,668 |
| Total domestic deposits to total assets | 89.1200% | 1,625 |
| Equity capital to assets | 10.1421% | 3,931 |
| Core capital (leverage) ratio | 9.7461% | 3,712 |
| Tier 1 risk-based capital ratio | 21.2576% | 1,435 |
| Total risk-based capital ratio | 22.5185% | 1,407 |
| Memoranda: | ||
| Average total assets | $25,116,000 | 7,072 |
| Average earning assets | $22,939,000 | 7,049 |
| Average equity | $2,584,000 | 7,048 |
| Average total loans | $10,070,000 | 7,057 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 6,665 |
| Cost of funding earning assets | 0.4507% | 6,732 |
| Net interest margin | 3.4078% | 5,461 |
| Noninterest income to average assets | 0.5217% | 3,708 |
| Noninterest expense to average assets | 3.4651% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0735% | 5,919 |
| Return on assets (ROA) | 0.0934% | 5,995 |
| Pretax return on assets | 0.2375% | 5,696 |
| Return on Equity (ROE) | 0.9276% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.9276% | 5,429 |
| Net charge-offs to loans | 0.2206% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.2083% | 4,127 |
| Efficiency ratio | 94.3796% | 898 |
| Assets per employee ($millions) | 1.9042% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4239% | 1,418 |
| Loan loss allowance to noncurrent loans | 126.8041% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 4,280 |
| Noncurrent loans to loans | 1.9115% | 3,329 |
| Net loans and leases to total assets | 40.0057% | 6,545 |
| Net loans and leases to deposits | 45.0813% | 6,669 |
| Net loans and leases to core deposits | 45.9302% | 6,739 |
| Total domestic deposits to total assets | 88.7412% | 1,694 |
| Equity capital to assets | 10.4387% | 3,597 |
| Core capital (leverage) ratio | 9.8831% | 3,478 |
| Tier 1 risk-based capital ratio | 21.1597% | 1,384 |
| Total risk-based capital ratio | 22.4200% | 1,356 |
| Memoranda: | ||
| Average total assets | $25,684,600 | 7,082 |
| Average earning assets | $23,739,600 | 7,055 |
| Average equity | $2,587,200 | 7,099 |
| Average total loans | $10,880,600 | 7,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 6,740 |
| Cost of funding earning assets | 0.4657% | 6,833 |
| Net interest margin | 3.4263% | 5,483 |
| Noninterest income to average assets | 0.5556% | 3,473 |
| Noninterest expense to average assets | 3.3799% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3317% | 5,287 |
| Return on assets (ROA) | 0.3704% | 5,312 |
| Pretax return on assets | 0.3961% | 5,484 |
| Return on Equity (ROE) | 3.7094% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.7094% | 4,105 |
| Net charge-offs to loans | 0.3254% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,843 |
| Efficiency ratio | 90.4959% | 1,138 |
| Assets per employee ($millions) | 1.6574% | 7,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2567% | 1,761 |
| Loan loss allowance to noncurrent loans | 96.8127% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 4,034 |
| Noncurrent loans to loans | 2.3310% | 2,972 |
| Net loans and leases to total assets | 42.3354% | 6,481 |
| Net loans and leases to deposits | 47.7259% | 6,636 |
| Net loans and leases to core deposits | 48.6188% | 6,733 |
| Total domestic deposits to total assets | 88.7052% | 1,619 |
| Equity capital to assets | 10.6472% | 3,516 |
| Core capital (leverage) ratio | 9.8687% | 3,622 |
| Tier 1 risk-based capital ratio | 19.1401% | 1,886 |
| Total risk-based capital ratio | 20.3944% | 1,860 |
| Memoranda: | ||
| Average total assets | $25,917,250 | 7,146 |
| Average earning assets | $24,048,500 | 7,113 |
| Average equity | $2,588,000 | 7,166 |
| Average total loans | $11,063,500 | 7,147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 6,938 |
| Cost of funding earning assets | 0.4813% | 6,911 |
| Net interest margin | 3.3036% | 5,844 |
| Noninterest income to average assets | 0.5558% | 3,429 |
| Noninterest expense to average assets | 3.4184% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2069% | 5,714 |
| Return on assets (ROA) | 0.2284% | 5,750 |
| Pretax return on assets | 0.2436% | 5,826 |
| Return on Equity (ROE) | 2.3361% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.3361% | 4,797 |
| Net charge-offs to loans | 0.4659% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.1154% | 4,441 |
| Efficiency ratio | 93.9331% | 981 |
| Assets per employee ($millions) | 1.7479% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 1,937 |
| Loan loss allowance to noncurrent loans | 65.2406% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.5981% | 3,804 |
| Noncurrent loans to loans | 3.3600% | 2,117 |
| Net loans and leases to total assets | 41.5249% | 6,625 |
| Net loans and leases to deposits | 46.3572% | 6,807 |
| Net loans and leases to core deposits | 47.1707% | 6,891 |
| Total domestic deposits to total assets | 89.5759% | 1,198 |
| Equity capital to assets | 9.9321% | 4,241 |
| Core capital (leverage) ratio | 9.1517% | 4,488 |
| Tier 1 risk-based capital ratio | 18.3459% | 2,059 |
| Total risk-based capital ratio | 19.6052% | 2,012 |
| Memoranda: | ||
| Average total assets | $26,269,330 | 7,201 |
| Average earning assets | $24,519,000 | 7,163 |
| Average equity | $2,568,330 | 7,233 |
| Average total loans | $11,162,000 | 7,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 7,076 |
| Cost of funding earning assets | 0.5022% | 6,962 |
| Net interest margin | 3.1914% | 6,095 |
| Noninterest income to average assets | 0.4868% | 3,999 |
| Noninterest expense to average assets | 3.3314% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1521% | 5,937 |
| Return on assets (ROA) | 0.1521% | 5,994 |
| Pretax return on assets | 0.1521% | 6,048 |
| Return on Equity (ROE) | 1.5683% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.5683% | 5,170 |
| Net charge-offs to loans | 0.1431% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,083 |
| Efficiency ratio | 95.6332% | 941 |
| Assets per employee ($millions) | 1.7873% | 7,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 1,568 |
| Loan loss allowance to noncurrent loans | 45.9552% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.3388% | 2,907 |
| Noncurrent loans to loans | 5.2847% | 1,251 |
| Net loans and leases to total assets | 40.0127% | 6,777 |
| Net loans and leases to deposits | 44.4366% | 6,937 |
| Net loans and leases to core deposits | 45.1911% | 7,003 |
| Total domestic deposits to total assets | 90.0444% | 1,128 |
| Equity capital to assets | 9.5080% | 4,424 |
| Core capital (leverage) ratio | 9.0842% | 4,476 |
| Tier 1 risk-based capital ratio | 18.2496% | 2,037 |
| Total risk-based capital ratio | 19.5052% | 1,991 |
| Memoranda: | ||
| Average total assets | $26,295,000 | 7,254 |
| Average earning assets | $24,691,000 | 7,208 |
| Average equity | $2,550,500 | 7,282 |
| Average total loans | $11,177,500 | 7,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 6,990 |
| Cost of funding earning assets | 0.6365% | 7,042 |
| Net interest margin | 3.5130% | 5,195 |
| Noninterest income to average assets | 0.4379% | 4,608 |
| Noninterest expense to average assets | 3.5255% | 2,108 |
| Loan and lease loss provision to assets | 0.2076% | 5,171 |
| Net operating income to assets | 0.0405% | 5,730 |
| Return on assets (ROA) | 0.0453% | 5,850 |
| Pretax return on assets | -0.0377% | 5,938 |
| Return on Equity (ROE) | 0.4659% | 5,837 |
| Retained earnings to average equity (ytd only) | 0.4659% | 5,348 |
| Net charge-offs to loans | -0.0347% | 7,414 |
| Credit loss provision to net charge-offs | -1,375.0000% | 7,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5988% | 984 |
| Assets per employee ($millions) | 1.7187% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3854% | 1,560 |
| Loan loss allowance to noncurrent loans | 40.5689% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.7695% | 2,530 |
| Noncurrent loans to loans | 5.8798% | 1,072 |
| Net loans and leases to total assets | 43.0162% | 6,790 |
| Net loans and leases to deposits | 48.0690% | 6,949 |
| Net loans and leases to core deposits | 48.9214% | 7,027 |
| Total domestic deposits to total assets | 89.4884% | 1,385 |
| Equity capital to assets | 9.8988% | 3,881 |
| Core capital (leverage) ratio | 9.0031% | 4,549 |
| Tier 1 risk-based capital ratio | 17.9727% | 2,007 |
| Total risk-based capital ratio | 19.2288% | 1,967 |
| Memoranda: | ||
| Average total assets | $26,493,000 | 7,306 |
| Average earning assets | $24,508,800 | 7,268 |
| Average equity | $2,575,800 | 7,378 |
| Average total loans | $11,513,600 | 7,329 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 7,124 |
| Cost of funding earning assets | 0.6681% | 7,134 |
| Net interest margin | 3.5088% | 5,259 |
| Noninterest income to average assets | 0.5199% | 4,031 |
| Noninterest expense to average assets | 3.5143% | 2,007 |
| Loan and lease loss provision to assets | 0.2749% | 4,387 |
| Net operating income to assets | -0.0600% | 6,122 |
| Return on assets (ROA) | -0.0600% | 6,229 |
| Pretax return on assets | -0.0400% | 6,152 |
| Return on Equity (ROE) | -0.6197% | 6,238 |
| Retained earnings to average equity (ytd only) | -0.6197% | 5,947 |
| Net charge-offs to loans | -0.0461% | 7,460 |
| Credit loss provision to net charge-offs | -1,375.0000% | 7,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7333% | 1,018 |
| Assets per employee ($millions) | 1.7906% | 7,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 1,633 |
| Loan loss allowance to noncurrent loans | 54.2169% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.0291% | 3,431 |
| Noncurrent loans to loans | 4.2358% | 1,720 |
| Net loans and leases to total assets | 42.7678% | 6,921 |
| Net loans and leases to deposits | 47.8008% | 7,094 |
| Net loans and leases to core deposits | 48.6119% | 7,178 |
| Total domestic deposits to total assets | 89.4709% | 1,139 |
| Equity capital to assets | 9.6281% | 4,656 |
| Core capital (leverage) ratio | 9.0645% | 4,579 |
| Tier 1 risk-based capital ratio | 16.9072% | 2,371 |
| Total risk-based capital ratio | 18.1629% | 2,331 |
| Memoranda: | ||
| Average total assets | $26,671,000 | 7,394 |
| Average earning assets | $24,547,000 | 7,359 |
| Average equity | $2,581,750 | 7,474 |
| Average total loans | $11,551,750 | 7,426 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 6,775 |
| Cost of funding earning assets | 0.6867% | 7,218 |
| Net interest margin | 3.7766% | 4,011 |
| Noninterest income to average assets | 0.4059% | 4,861 |
| Noninterest expense to average assets | 3.4726% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3833% | 4,833 |
| Return on assets (ROA) | 0.3833% | 4,995 |
| Pretax return on assets | 0.4059% | 5,207 |
| Return on Equity (ROE) | 3.9530% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.9530% | 3,564 |
| Net charge-offs to loans | -0.0348% | 7,387 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5349% | 1,374 |
| Assets per employee ($millions) | 1.6518% | 7,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,676 |
| Loan loss allowance to noncurrent loans | 41.6830% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.1832% | 3,279 |
| Noncurrent loans to loans | 4.3564% | 1,698 |
| Net loans and leases to total assets | 43.5771% | 6,957 |
| Net loans and leases to deposits | 48.7967% | 7,121 |
| Net loans and leases to core deposits | 49.6380% | 7,224 |
| Total domestic deposits to total assets | 89.3034% | 1,279 |
| Equity capital to assets | 9.9058% | 4,132 |
| Core capital (leverage) ratio | 9.2569% | 4,197 |
| Tier 1 risk-based capital ratio | 17.6791% | 2,042 |
| Total risk-based capital ratio | 18.9308% | 2,015 |
| Memoranda: | ||
| Average total assets | $26,608,330 | 7,452 |
| Average earning assets | $24,466,330 | 7,423 |
| Average equity | $2,580,330 | 7,525 |
| Average total loans | $11,483,330 | 7,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 6,833 |
| Cost of funding earning assets | 0.7191% | 7,294 |
| Net interest margin | 3.7587% | 3,965 |
| Noninterest income to average assets | 0.4645% | 4,342 |
| Noninterest expense to average assets | 3.3111% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5843% | 3,966 |
| Return on assets (ROA) | 0.5843% | 4,112 |
| Pretax return on assets | 0.5993% | 4,609 |
| Return on Equity (ROE) | 6.0902% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.0902% | 2,580 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6743% | 1,951 |
| Assets per employee ($millions) | 1.6926% | 7,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,471 |
| Loan loss allowance to noncurrent loans | 44.4444% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.1010% | 3,383 |
| Noncurrent loans to loans | 4.2627% | 1,790 |
| Net loans and leases to total assets | 40.5361% | 7,215 |
| Net loans and leases to deposits | 45.1714% | 7,360 |
| Net loans and leases to core deposits | 45.9234% | 7,432 |
| Total domestic deposits to total assets | 89.7386% | 1,120 |
| Equity capital to assets | 9.5155% | 4,511 |
| Core capital (leverage) ratio | 9.3285% | 4,000 |
| Tier 1 risk-based capital ratio | 17.8441% | 1,987 |
| Total risk-based capital ratio | 19.0992% | 1,957 |
| Memoranda: | ||
| Average total assets | $26,698,000 | 7,536 |
| Average earning assets | $24,476,500 | 7,517 |
| Average equity | $2,561,500 | 7,612 |
| Average total loans | $11,360,000 | 7,577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 6,063 |
| Cost of funding earning assets | 1.0705% | 7,055 |
| Net interest margin | 4.0355% | 2,717 |
| Noninterest income to average assets | 0.6034% | 3,608 |
| Noninterest expense to average assets | 3.5119% | 2,346 |
| Loan and lease loss provision to assets | 0.1470% | 6,188 |
| Net operating income to assets | 0.5337% | 3,597 |
| Return on assets (ROA) | 0.5337% | 3,693 |
| Pretax return on assets | 0.6188% | 3,849 |
| Return on Equity (ROE) | 5.5249% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.5249% | 1,566 |
| Net charge-offs to loans | 0.8718% | 2,655 |
| Credit loss provision to net charge-offs | 38.7755% | 6,838 |
| Earnings coverage of net charge-offs (x) | 2.0204% | 4,209 |
| Efficiency ratio | 82.0976% | 2,584 |
| Assets per employee ($millions) | 1.7543% | 7,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 2,429 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 5,261 |
| Noncurrent loans to loans | 1.3010% | 4,753 |
| Net loans and leases to total assets | 43.0113% | 7,182 |
| Net loans and leases to deposits | 48.0187% | 7,358 |
| Net loans and leases to core deposits | 51.4455% | 7,546 |
| Total domestic deposits to total assets | 89.5721% | 1,174 |
| Equity capital to assets | 9.6755% | 4,176 |
| Core capital (leverage) ratio | 9.2885% | 3,995 |
| Tier 1 risk-based capital ratio | 17.4058% | 2,054 |
| Total risk-based capital ratio | 18.6567% | 2,008 |
| Memoranda: | ||
| Average total assets | $25,855,200 | 7,615 |
| Average earning assets | $23,541,200 | 7,601 |
| Average equity | $2,497,800 | 7,732 |
| Average total loans | $11,240,800 | 7,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 6,007 |
| Cost of funding earning assets | 1.1408% | 7,063 |
| Net interest margin | 4.0297% | 2,684 |
| Noninterest income to average assets | 0.6164% | 3,578 |
| Noninterest expense to average assets | 3.4238% | 2,499 |
| Loan and lease loss provision to assets | 0.1968% | 5,420 |
| Net operating income to assets | 0.6008% | 3,599 |
| Return on assets (ROA) | 0.6008% | 3,655 |
| Pretax return on assets | 0.6734% | 3,946 |
| Return on Equity (ROE) | 6.2219% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.2219% | 1,841 |
| Net charge-offs to loans | 0.2984% | 4,162 |
| Credit loss provision to net charge-offs | 152.0000% | 3,145 |
| Earnings coverage of net charge-offs (x) | 6.7204% | 2,552 |
| Efficiency ratio | 79.7346% | 2,890 |
| Assets per employee ($millions) | 1.8083% | 7,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4485% | 1,111 |
| Loan loss allowance to noncurrent loans | 184.4156% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 5,159 |
| Noncurrent loans to loans | 1.3277% | 4,716 |
| Net loans and leases to total assets | 41.7158% | 7,382 |
| Net loans and leases to deposits | 46.4034% | 7,555 |
| Net loans and leases to core deposits | 49.0613% | 7,707 |
| Total domestic deposits to total assets | 89.8982% | 808 |
| Equity capital to assets | 9.3533% | 4,952 |
| Core capital (leverage) ratio | 9.0076% | 4,638 |
| Tier 1 risk-based capital ratio | 17.1629% | 2,227 |
| Total risk-based capital ratio | 18.4216% | 2,169 |
| Memoranda: | ||
| Average total assets | $25,740,500 | 7,691 |
| Average earning assets | $23,491,750 | 7,675 |
| Average equity | $2,485,750 | 7,810 |
| Average total loans | $11,168,500 | 7,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 5,636 |
| Cost of funding earning assets | 1.2329% | 7,010 |
| Net interest margin | 4.0721% | 2,431 |
| Noninterest income to average assets | 0.6250% | 3,499 |
| Noninterest expense to average assets | 3.4495% | 2,495 |
| Loan and lease loss provision to assets | 0.3006% | 4,158 |
| Net operating income to assets | 0.5063% | 4,064 |
| Return on assets (ROA) | 0.5063% | 4,186 |
| Pretax return on assets | 0.5855% | 4,362 |
| Return on Equity (ROE) | 5.1850% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.1850% | 2,405 |
| Net charge-offs to loans | 0.2177% | 4,139 |
| Credit loss provision to net charge-offs | 316.6667% | 1,470 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,142 |
| Efficiency ratio | 79.5620% | 3,118 |
| Assets per employee ($millions) | 1.7934% | 7,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6105% | 815 |
| Loan loss allowance to noncurrent loans | 132.5893% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 4,583 |
| Noncurrent loans to loans | 1.9689% | 3,564 |
| Net loans and leases to total assets | 41.1881% | 7,496 |
| Net loans and leases to deposits | 45.7341% | 7,643 |
| Net loans and leases to core deposits | 48.8644% | 7,782 |
| Total domestic deposits to total assets | 90.0598% | 807 |
| Equity capital to assets | 9.1632% | 5,075 |
| Core capital (leverage) ratio | 9.0061% | 4,622 |
| Tier 1 risk-based capital ratio | 17.1877% | 2,242 |
| Total risk-based capital ratio | 18.4470% | 2,177 |
| Memoranda: | ||
| Average total assets | $25,279,330 | 7,781 |
| Average earning assets | $23,034,670 | 7,765 |
| Average equity | $2,468,670 | 7,886 |
| Average total loans | $11,025,000 | 7,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 4,359 |
| Cost of funding earning assets | 1.3322% | 6,926 |
| Net interest margin | 4.2667% | 1,685 |
| Noninterest income to average assets | 0.5231% | 4,114 |
| Noninterest expense to average assets | 3.2859% | 2,701 |
| Loan and lease loss provision to assets | 0.2125% | 4,319 |
| Net operating income to assets | 0.6866% | 3,623 |
| Return on assets (ROA) | 0.6866% | 3,805 |
| Pretax return on assets | 0.8991% | 3,715 |
| Return on Equity (ROE) | 6.8002% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.8002% | 2,289 |
| Net charge-offs to loans | -0.1475% | 7,970 |
| Credit loss provision to net charge-offs | -325.0000% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7212% | 3,701 |
| Assets per employee ($millions) | 1.6537% | 8,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5965% | 696 |
| Loan loss allowance to noncurrent loans | 103.2258% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 3,666 |
| Noncurrent loans to loans | 2.5153% | 2,621 |
| Net loans and leases to total assets | 43.5540% | 7,380 |
| Net loans and leases to deposits | 48.8626% | 7,542 |
| Net loans and leases to core deposits | 52.8468% | 7,704 |
| Total domestic deposits to total assets | 89.1357% | 1,179 |
| Equity capital to assets | 9.9855% | 4,021 |
| Core capital (leverage) ratio | 9.6198% | 3,851 |
| Tier 1 risk-based capital ratio | 17.9167% | 2,079 |
| Total risk-based capital ratio | 19.1807% | 2,021 |
| Memoranda: | ||
| Average total assets | $24,468,500 | 7,851 |
| Average earning assets | $22,218,500 | 7,835 |
| Average equity | $2,470,500 | 7,939 |
| Average total loans | $10,849,000 | 7,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 5,179 |
| Cost of funding earning assets | 1.9526% | 6,559 |
| Net interest margin | 4.1216% | 2,618 |
| Noninterest income to average assets | 0.5476% | 4,249 |
| Noninterest expense to average assets | 3.4216% | 2,606 |
| Loan and lease loss provision to assets | 1.7252% | 747 |
| Net operating income to assets | -0.7252% | 7,080 |
| Return on assets (ROA) | -0.7288% | 6,986 |
| Pretax return on assets | -0.8400% | 6,903 |
| Return on Equity (ROE) | -7.1377% | 7,058 |
| Retained earnings to average equity (ytd only) | -7.1377% | 6,798 |
| Net charge-offs to loans | 3.8240% | 184 |
| Credit loss provision to net charge-offs | 103.9702% | 5,143 |
| Earnings coverage of net charge-offs (x) | 0.5360% | 5,911 |
| Efficiency ratio | 79.3696% | 2,689 |
| Assets per employee ($millions) | 1.6087% | 8,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5646% | 640 |
| Loan loss allowance to noncurrent loans | 121.9731% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 4,524 |
| Noncurrent loans to loans | 2.1026% | 2,629 |
| Net loans and leases to total assets | 42.8246% | 7,539 |
| Net loans and leases to deposits | 48.9601% | 7,674 |
| Net loans and leases to core deposits | 53.1448% | 7,823 |
| Total domestic deposits to total assets | 87.4684% | 1,723 |
| Equity capital to assets | 10.2109% | 3,790 |
| Core capital (leverage) ratio | 9.2237% | 4,407 |
| Tier 1 risk-based capital ratio | 20.8612% | 1,471 |
| Total risk-based capital ratio | 22.1249% | 1,444 |
| Memoranda: | ||
| Average total assets | $24,287,000 | 7,861 |
| Average earning assets | $22,175,600 | 7,856 |
| Average equity | $2,479,800 | 7,997 |
| Average total loans | $10,538,800 | 7,917 |