Home > Turtle Mountain State Bank > Performance and Condition Ratios
Turtle Mountain State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8158% | 1,559 |
| Cost of funding earning assets | 0.6129% | 4,269 |
| Net interest margin | 5.2029% | 254 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 1.6905% | 4,096 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 3.5581% | 108 |
| Return on assets (ROA) | 3.5581% | 111 |
| Pretax return on assets | 3.5581% | 131 |
| Return on Equity (ROE) | 46.6600% | 33 |
| Retained earnings to average equity (ytd only) | -0.7772% | 4,071 |
| Net charge-offs to loans | -0.0225% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 32.0193% | 4,411 |
| Assets per employee ($millions) | 7.3864% | 1,915 |
| Cash dividends to net income (ytd only)* | 101.6657% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,339 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 29.2000% | 4,234 |
| Net loans and leases to deposits | 32.3147% | 4,258 |
| Net loans and leases to core deposits | 33.6642% | 4,257 |
| Total domestic deposits to total assets | 90.3500% | 710 |
| Equity capital to assets | 9.4362% | 2,505 |
| Core capital (leverage) ratio | 10.8189% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $145,105,400 | 3,399 |
| Average earning assets | $139,826,600 | 3,344 |
| Average equity | $11,065,800 | 3,678 |
| Average total loans | $35,554,600 | 4,021 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7543% | 1,629 |
| Cost of funding earning assets | 0.6234% | 4,298 |
| Net interest margin | 5.1309% | 287 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 1.6472% | 4,134 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 3.5593% | 105 |
| Return on assets (ROA) | 3.5593% | 107 |
| Pretax return on assets | 3.5593% | 133 |
| Return on Equity (ROE) | 49.1100% | 34 |
| Retained earnings to average equity (ytd only) | -7.0161% | 4,387 |
| Net charge-offs to loans | -0.0190% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 31.5136% | 4,443 |
| Assets per employee ($millions) | 8.8396% | 1,119 |
| Cash dividends to net income (ytd only)* | 114.2857% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 2,819 |
| Loan loss allowance to noncurrent loans | 80.9524% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 1,874 |
| Noncurrent loans to loans | 1.3458% | 732 |
| Net loans and leases to total assets | 24.6500% | 4,317 |
| Net loans and leases to deposits | 26.7451% | 4,340 |
| Net loans and leases to core deposits | 27.6531% | 4,331 |
| Total domestic deposits to total assets | 92.1700% | 164 |
| Equity capital to assets | 7.6740% | 3,892 |
| Core capital (leverage) ratio | 10.3502% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $149,989,500 | 3,361 |
| Average earning assets | $144,999,750 | 3,303 |
| Average equity | $10,870,000 | 3,700 |
| Average total loans | $35,169,500 | 4,041 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8490% | 1,381 |
| Cost of funding earning assets | 0.6277% | 4,293 |
| Net interest margin | 5.2213% | 257 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 1.6999% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 3.6079% | 108 |
| Return on assets (ROA) | 3.6079% | 111 |
| Pretax return on assets | 3.6079% | 136 |
| Return on Equity (ROE) | 50.7800% | 37 |
| Retained earnings to average equity (ytd only) | -35.1571% | 4,532 |
| Net charge-offs to loans | -0.0116% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 32.0261% | 4,454 |
| Assets per employee ($millions) | 9.1753% | 945 |
| Cash dividends to net income (ytd only)* | 169.2308% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,104 |
| Loan loss allowance to noncurrent loans | 52.1858% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 1,343 |
| Noncurrent loans to loans | 1.9790% | 388 |
| Net loans and leases to total assets | 24.9400% | 4,333 |
| Net loans and leases to deposits | 26.8268% | 4,357 |
| Net loans and leases to core deposits | 27.7488% | 4,345 |
| Total domestic deposits to total assets | 92.9500% | 147 |
| Equity capital to assets | 6.9071% | 3,973 |
| Core capital (leverage) ratio | 9.6096% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $149,894,667 | 3,371 |
| Average earning assets | $144,983,000 | 3,304 |
| Average equity | $10,649,333 | 3,711 |
| Average total loans | $34,409,000 | 4,064 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5846% | 1,654 |
| Cost of funding earning assets | 0.6096% | 4,306 |
| Net interest margin | 4.9750% | 339 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 1.9678% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.1352% | 150 |
| Return on assets (ROA) | 3.1352% | 150 |
| Pretax return on assets | 3.1352% | 196 |
| Return on Equity (ROE) | 43.5400% | 54 |
| Retained earnings to average equity (ytd only) | -77.9897% | 4,534 |
| Net charge-offs to loans | -0.0242% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 38.5611% | 4,377 |
| Assets per employee ($millions) | 8.9054% | 1,054 |
| Cash dividends to net income (ytd only)* | 279.1070% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,701 |
| Loan loss allowance to noncurrent loans | 52.9086% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,251 |
| Noncurrent loans to loans | 2.1229% | 298 |
| Net loans and leases to total assets | 23.6000% | 4,364 |
| Net loans and leases to deposits | 25.3752% | 4,382 |
| Net loans and leases to core deposits | 26.2741% | 4,418 |
| Total domestic deposits to total assets | 93.0100% | 187 |
| Equity capital to assets | 6.9102% | 3,933 |
| Core capital (leverage) ratio | 9.8307% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $151,439,500 | 3,367 |
| Average earning assets | $146,975,500 | 3,300 |
| Average equity | $10,904,000 | 3,697 |
| Average total loans | $33,119,500 | 4,100 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3547% | 1,388 |
| Cost of funding earning assets | 0.5018% | 4,193 |
| Net interest margin | 4.8530% | 389 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.0945% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 4.0564% | 97 |
| Return on assets (ROA) | 4.0576% | 99 |
| Pretax return on assets | 4.0648% | 113 |
| Return on Equity (ROE) | 77.5100% | 20 |
| Retained earnings to average equity (ytd only) | 61.5471% | 14 |
| Net charge-offs to loans | -0.6012% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 21.2188% | 4,523 |
| Assets per employee ($millions) | 13.3661% | 300 |
| Cash dividends to net income (ytd only)* | 20.5895% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,412 |
| Loan loss allowance to noncurrent loans | 127.9461% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 2,299 |
| Noncurrent loans to loans | 0.9215% | 809 |
| Net loans and leases to total assets | 19.8600% | 4,405 |
| Net loans and leases to deposits | 21.4736% | 4,420 |
| Net loans and leases to core deposits | 21.9021% | 4,445 |
| Total domestic deposits to total assets | 92.4700% | 233 |
| Equity capital to assets | 7.4579% | 3,743 |
| Core capital (leverage) ratio | 12.0386% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,378,000 | 3,220 |
| Average earning assets | $161,819,000 | 3,154 |
| Average equity | $8,710,400 | 3,855 |
| Average total loans | $25,114,600 | 4,212 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 1,624 |
| Cost of funding earning assets | 0.4647% | 4,182 |
| Net interest margin | 4.6432% | 500 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.0198% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.9568% | 115 |
| Return on assets (ROA) | 3.9584% | 115 |
| Pretax return on assets | 3.9680% | 135 |
| Return on Equity (ROE) | 84.1400% | 26 |
| Retained earnings to average equity (ytd only) | 60.6759% | 24 |
| Net charge-offs to loans | -0.9884% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 20.4524% | 4,550 |
| Assets per employee ($millions) | 9.8845% | 696 |
| Cash dividends to net income (ytd only)* | 27.8892% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,550 |
| Loan loss allowance to noncurrent loans | 125.6250% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 2,258 |
| Noncurrent loans to loans | 1.0959% | 718 |
| Net loans and leases to total assets | 18.2100% | 4,443 |
| Net loans and leases to deposits | 19.4598% | 4,454 |
| Net loans and leases to core deposits | 19.8491% | 4,443 |
| Total domestic deposits to total assets | 93.5800% | 234 |
| Equity capital to assets | 6.3578% | 3,873 |
| Core capital (leverage) ratio | 11.7406% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $167,874,250 | 3,214 |
| Average earning assets | $163,247,000 | 3,157 |
| Average equity | $7,897,500 | 3,943 |
| Average total loans | $23,336,000 | 4,266 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0014% | 1,565 |
| Cost of funding earning assets | 0.3662% | 4,216 |
| Net interest margin | 4.6351% | 498 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 0.9678% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.9704% | 101 |
| Return on assets (ROA) | 3.9728% | 102 |
| Pretax return on assets | 3.9903% | 117 |
| Return on Equity (ROE) | 94.7000% | 23 |
| Retained earnings to average equity (ytd only) | 55.9740% | 26 |
| Net charge-offs to loans | -1.6650% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 19.5283% | 4,578 |
| Assets per employee ($millions) | 13.6065% | 257 |
| Cash dividends to net income (ytd only)* | 40.8944% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 512 |
| Loan loss allowance to noncurrent loans | 130.0319% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,237 |
| Noncurrent loans to loans | 1.4504% | 471 |
| Net loans and leases to total assets | 12.9700% | 4,496 |
| Net loans and leases to deposits | 13.6877% | 4,502 |
| Net loans and leases to core deposits | 13.9488% | 4,491 |
| Total domestic deposits to total assets | 94.7400% | 107 |
| Equity capital to assets | 5.2028% | 4,343 |
| Core capital (leverage) ratio | 10.0966% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $171,115,000 | 3,207 |
| Average earning assets | $166,553,667 | 3,140 |
| Average equity | $7,178,333 | 4,051 |
| Average total loans | $21,381,000 | 4,311 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,853 |
| Cost of funding earning assets | 0.1362% | 4,481 |
| Net interest margin | 4.1413% | 1,043 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 0.9575% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.7296% | 110 |
| Return on assets (ROA) | 3.7296% | 110 |
| Pretax return on assets | 3.7296% | 120 |
| Return on Equity (ROE) | 100.1200% | 23 |
| Retained earnings to average equity (ytd only) | 14.8466% | 819 |
| Net charge-offs to loans | -3.1577% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 20.4291% | 4,643 |
| Assets per employee ($millions) | 16.6853% | 148 |
| Cash dividends to net income (ytd only)* | 85.1716% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 566 |
| Loan loss allowance to noncurrent loans | 126.8371% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,206 |
| Noncurrent loans to loans | 1.4841% | 439 |
| Net loans and leases to total assets | 12.4000% | 4,564 |
| Net loans and leases to deposits | 12.9319% | 4,573 |
| Net loans and leases to core deposits | 13.1702% | 4,562 |
| Total domestic deposits to total assets | 95.9000% | 56 |
| Equity capital to assets | 4.0563% | 4,537 |
| Core capital (leverage) ratio | 8.6760% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.5252% | 154 |
| Memoranda: | ||
| Average total assets | $175,033,500 | 3,218 |
| Average earning assets | $170,379,500 | 3,140 |
| Average equity | $6,520,000 | 4,181 |
| Average total loans | $21,281,500 | 4,375 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9789% | 4,607 |
| Cost of funding earning assets | 0.0298% | 4,609 |
| Net interest margin | 1.9490% | 4,565 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 0.7473% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3525% | 1,274 |
| Return on assets (ROA) | 1.3525% | 1,232 |
| Pretax return on assets | 1.3525% | 1,929 |
| Return on Equity (ROE) | 58.8800% | 24 |
| Retained earnings to average equity (ytd only) | 47.2318% | 12 |
| Net charge-offs to loans | -0.0531% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 35.5885% | 4,606 |
| Assets per employee ($millions) | 16.6558% | 152 |
| Cash dividends to net income (ytd only)* | 19.7842% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,055 |
| Loan loss allowance to noncurrent loans | 73.1629% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 1,513 |
| Noncurrent loans to loans | 1.4576% | 451 |
| Net loans and leases to total assets | 11.6000% | 4,600 |
| Net loans and leases to deposits | 12.0116% | 4,604 |
| Net loans and leases to core deposits | 12.2107% | 4,594 |
| Total domestic deposits to total assets | 96.5300% | 63 |
| Equity capital to assets | 3.4233% | 4,575 |
| Core capital (leverage) ratio | 8.6738% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6632% | 160 |
| Memoranda: | ||
| Average total assets | $205,548,400 | 3,007 |
| Average earning assets | $201,025,800 | 2,925 |
| Average equity | $4,721,400 | 4,457 |
| Average total loans | $20,705,200 | 4,407 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4666% | 4,667 |
| Cost of funding earning assets | 0.0277% | 4,643 |
| Net interest margin | 1.4389% | 4,646 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 0.6921% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9119% | 2,824 |
| Return on assets (ROA) | 0.9119% | 2,796 |
| Pretax return on assets | 0.9119% | 3,284 |
| Return on Equity (ROE) | 44.4300% | 39 |
| Retained earnings to average equity (ytd only) | 27.5044% | 37 |
| Net charge-offs to loans | 0.0390% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 240.6667% | 551 |
| Efficiency ratio | 43.1496% | 4,490 |
| Assets per employee ($millions) | 19.2855% | 112 |
| Cash dividends to net income (ytd only)* | 38.0886% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,567 |
| Loan loss allowance to noncurrent loans | 64.2424% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 1,635 |
| Noncurrent loans to loans | 1.5277% | 453 |
| Net loans and leases to total assets | 11.0900% | 4,645 |
| Net loans and leases to deposits | 11.3679% | 4,651 |
| Net loans and leases to core deposits | 11.5448% | 4,636 |
| Total domestic deposits to total assets | 97.5600% | 61 |
| Equity capital to assets | 2.4065% | 4,641 |
| Core capital (leverage) ratio | 7.3785% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2151% | 243 |
| Memoranda: | ||
| Average total assets | $211,132,000 | 2,992 |
| Average earning assets | $206,732,500 | 2,903 |
| Average equity | $4,333,750 | 4,538 |
| Average total loans | $20,513,250 | 4,443 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0703% | 4,735 |
| Cost of funding earning assets | 0.0253% | 4,706 |
| Net interest margin | 1.0449% | 4,727 |
| Noninterest income to average assets | 0.2035% | 3,978 |
| Noninterest expense to average assets | 0.6822% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5460% | 3,778 |
| Return on assets (ROA) | 0.5460% | 3,731 |
| Pretax return on assets | 0.5460% | 3,929 |
| Return on Equity (ROE) | 28.0290% | 75 |
| Retained earnings to average equity (ytd only) | 2.0325% | 3,742 |
| Net charge-offs to loans | 0.6154% | 104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.5645% | 1,784 |
| Efficiency ratio | 55.5472% | 3,815 |
| Assets per employee ($millions) | 21.0131% | 92 |
| Cash dividends to net income (ytd only)* | 92.7487% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,294 |
| Loan loss allowance to noncurrent loans | 164.2105% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,410 |
| Noncurrent loans to loans | 0.4416% | 1,795 |
| Net loans and leases to total assets | 10.1641% | 4,709 |
| Net loans and leases to deposits | 10.3666% | 4,718 |
| Net loans and leases to core deposits | 10.4954% | 4,710 |
| Total domestic deposits to total assets | 98.0474% | 25 |
| Equity capital to assets | 1.9098% | 4,727 |
| Core capital (leverage) ratio | 6.5851% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4544% | 258 |
| Memoranda: | ||
| Average total assets | $217,224,333 | 2,973 |
| Average earning assets | $213,033,000 | 2,894 |
| Average equity | $4,231,333 | 4,598 |
| Average total loans | $20,150,667 | 4,503 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6966% | 4,772 |
| Cost of funding earning assets | 0.0259% | 4,721 |
| Net interest margin | 0.6708% | 4,771 |
| Noninterest income to average assets | 0.1830% | 4,063 |
| Noninterest expense to average assets | 0.6939% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1468% | 4,408 |
| Return on assets (ROA) | 0.1468% | 4,377 |
| Pretax return on assets | 0.1468% | 4,394 |
| Return on Equity (ROE) | 7.4646% | 2,883 |
| Retained earnings to average equity (ytd only) | -43.2208% | 4,773 |
| Net charge-offs to loans | -0.0205% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5431% | 944 |
| Assets per employee ($millions) | 21.5902% | 88 |
| Cash dividends to net income (ytd only)* | 679.0123% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,061 |
| Loan loss allowance to noncurrent loans | 87.2510% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,121 |
| Noncurrent loans to loans | 1.3278% | 656 |
| Net loans and leases to total assets | 8.6544% | 4,743 |
| Net loans and leases to deposits | 8.8305% | 4,750 |
| Net loans and leases to core deposits | 8.9683% | 4,741 |
| Total domestic deposits to total assets | 98.0051% | 1 |
| Equity capital to assets | 1.8314% | 4,796 |
| Core capital (leverage) ratio | 6.4435% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4990% | 255 |
| Memoranda: | ||
| Average total assets | $220,771,000 | 2,959 |
| Average earning assets | $216,471,000 | 2,885 |
| Average equity | $4,340,500 | 4,626 |
| Average total loans | $19,469,000 | 4,530 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4888% | 4,748 |
| Cost of funding earning assets | 0.0620% | 4,634 |
| Net interest margin | 1.4269% | 4,735 |
| Noninterest income to average assets | 0.3576% | 3,294 |
| Noninterest expense to average assets | 0.9106% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8427% | 3,211 |
| Return on assets (ROA) | 0.8427% | 3,276 |
| Pretax return on assets | 0.8427% | 3,639 |
| Return on Equity (ROE) | 34.5624% | 46 |
| Retained earnings to average equity (ytd only) | 34.5624% | 11 |
| Net charge-offs to loans | 0.0605% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 105.8462% | 855 |
| Efficiency ratio | 51.9385% | 4,122 |
| Assets per employee ($millions) | 22.5640% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,405 |
| Loan loss allowance to noncurrent loans | 178.6885% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,630 |
| Noncurrent loans to loans | 0.6090% | 1,620 |
| Net loans and leases to total assets | 8.7821% | 4,783 |
| Net loans and leases to deposits | 8.9731% | 4,793 |
| Net loans and leases to core deposits | 9.1067% | 4,784 |
| Total domestic deposits to total assets | 97.8714% | 1 |
| Equity capital to assets | 2.0949% | 4,839 |
| Core capital (leverage) ratio | 7.7687% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1138% | 236 |
| Memoranda: | ||
| Average total assets | $163,290,400 | 3,362 |
| Average earning assets | $159,722,200 | 3,284 |
| Average equity | $3,981,200 | 4,703 |
| Average total loans | $21,501,200 | 4,541 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5558% | 4,826 |
| Cost of funding earning assets | 0.0777% | 4,646 |
| Net interest margin | 1.4781% | 4,808 |
| Noninterest income to average assets | 0.4450% | 2,862 |
| Noninterest expense to average assets | 0.9749% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9126% | 3,208 |
| Return on assets (ROA) | 0.9126% | 3,278 |
| Pretax return on assets | 0.9126% | 3,667 |
| Return on Equity (ROE) | 35.5219% | 54 |
| Retained earnings to average equity (ytd only) | 35.5219% | 16 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6499% | 4,057 |
| Assets per employee ($millions) | 19.6400% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 3,306 |
| Loan loss allowance to noncurrent loans | 2,566.6667% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,239 |
| Noncurrent loans to loans | 0.0439% | 3,895 |
| Net loans and leases to total assets | 8.5968% | 4,858 |
| Net loans and leases to deposits | 8.7633% | 4,868 |
| Net loans and leases to core deposits | 8.8877% | 4,858 |
| Total domestic deposits to total assets | 98.1004% | 1 |
| Equity capital to assets | 1.8729% | 4,914 |
| Core capital (leverage) ratio | 7.3629% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9844% | 233 |
| Memoranda: | ||
| Average total assets | $147,703,000 | 3,536 |
| Average earning assets | $144,142,500 | 3,468 |
| Average equity | $3,794,750 | 4,786 |
| Average total loans | $21,868,000 | 4,599 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5229% | 4,868 |
| Cost of funding earning assets | 0.1216% | 4,429 |
| Net interest margin | 1.4013% | 4,858 |
| Noninterest income to average assets | 0.5829% | 2,288 |
| Noninterest expense to average assets | 1.2317% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7147% | 3,724 |
| Return on assets (ROA) | 0.7147% | 3,792 |
| Pretax return on assets | 0.7147% | 4,035 |
| Return on Equity (ROE) | 23.5764% | 238 |
| Retained earnings to average equity (ytd only) | 23.5764% | 84 |
| Net charge-offs to loans | 0.0090% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 423.0000% | 302 |
| Efficiency ratio | 63.2813% | 2,525 |
| Assets per employee ($millions) | 18.1662% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,040 |
| Loan loss allowance to noncurrent loans | 741.9355% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 3,242 |
| Noncurrent loans to loans | 0.1262% | 3,555 |
| Net loans and leases to total assets | 11.1618% | 4,888 |
| Net loans and leases to deposits | 11.3666% | 4,895 |
| Net loans and leases to core deposits | 11.5407% | 4,887 |
| Total domestic deposits to total assets | 98.1977% | 1 |
| Equity capital to assets | 1.7583% | 4,951 |
| Core capital (leverage) ratio | 6.9025% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9255% | 431 |
| Memoranda: | ||
| Average total assets | $118,377,333 | 3,873 |
| Average earning assets | $115,174,667 | 3,796 |
| Average equity | $3,588,333 | 4,840 |
| Average total loans | $22,326,667 | 4,623 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9088% | 4,852 |
| Cost of funding earning assets | 0.3243% | 2,758 |
| Net interest margin | 1.5846% | 4,864 |
| Noninterest income to average assets | 1.0500% | 1,055 |
| Noninterest expense to average assets | 2.1759% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3850% | 4,388 |
| Return on assets (ROA) | 0.3850% | 4,416 |
| Pretax return on assets | 0.3850% | 4,504 |
| Return on Equity (ROE) | 7.6168% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.6168% | 2,375 |
| Net charge-offs to loans | -0.0566% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9658% | 552 |
| Assets per employee ($millions) | 5.6760% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,801 |
| Loan loss allowance to noncurrent loans | 754.8387% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 1,934 |
| Noncurrent loans to loans | 0.1337% | 3,644 |
| Net loans and leases to total assets | 33.6872% | 4,584 |
| Net loans and leases to deposits | 35.5362% | 4,691 |
| Net loans and leases to core deposits | 37.4063% | 4,679 |
| Total domestic deposits to total assets | 94.7968% | 6 |
| Equity capital to assets | 5.1034% | 4,962 |
| Core capital (leverage) ratio | 6.1807% | 4,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1460% | 667 |
| Memoranda: | ||
| Average total assets | $68,569,000 | 4,455 |
| Average earning assets | $65,381,000 | 4,419 |
| Average equity | $3,466,000 | 4,873 |
| Average total loans | $21,209,000 | 4,670 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9343% | 4,920 |
| Cost of funding earning assets | 0.1295% | 4,790 |
| Net interest margin | 1.8048% | 4,883 |
| Noninterest income to average assets | 0.7050% | 1,849 |
| Noninterest expense to average assets | 2.1898% | 3,692 |
| Loan and lease loss provision to assets | 0.1300% | 2,736 |
| Net operating income to assets | 0.0719% | 4,685 |
| Return on assets (ROA) | 0.0719% | 4,720 |
| Pretax return on assets | 0.0902% | 4,708 |
| Return on Equity (ROE) | 1.3184% | 4,647 |
| Retained earnings to average equity (ytd only) | -3.8429% | 4,806 |
| Net charge-offs to loans | 1.1860% | 102 |
| Credit loss provision to net charge-offs | 40.2844% | 3,187 |
| Earnings coverage of net charge-offs (x) | 0.6825% | 3,308 |
| Efficiency ratio | 90.8629% | 344 |
| Assets per employee ($millions) | 5.7522% | 2,578 |
| Cash dividends to net income (ytd only)* | 391.4894% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,942 |
| Loan loss allowance to noncurrent loans | 55.5288% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 1,754 |
| Noncurrent loans to loans | 2.1623% | 504 |
| Net loans and leases to total assets | 27.5374% | 4,801 |
| Net loans and leases to deposits | 29.0309% | 4,846 |
| Net loans and leases to core deposits | 30.5148% | 4,845 |
| Total domestic deposits to total assets | 94.8556% | 3 |
| Equity capital to assets | 5.0068% | 4,990 |
| Core capital (leverage) ratio | 8.0273% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,393,000 | 4,440 |
| Average earning assets | $61,779,800 | 4,424 |
| Average equity | $3,565,000 | 4,876 |
| Average total loans | $17,791,400 | 4,760 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0260% | 4,964 |
| Cost of funding earning assets | 0.1358% | 4,841 |
| Net interest margin | 1.8902% | 4,918 |
| Noninterest income to average assets | 0.7671% | 1,603 |
| Noninterest expense to average assets | 2.2041% | 3,670 |
| Loan and lease loss provision to assets | 0.1303% | 2,719 |
| Net operating income to assets | 0.1923% | 4,608 |
| Return on assets (ROA) | 0.1923% | 4,647 |
| Pretax return on assets | 0.2171% | 4,643 |
| Return on Equity (ROE) | 3.4518% | 4,306 |
| Retained earnings to average equity (ytd only) | -3.3776% | 4,789 |
| Net charge-offs to loans | 1.4381% | 82 |
| Credit loss provision to net charge-offs | 33.5106% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.8936% | 3,112 |
| Efficiency ratio | 86.3857% | 483 |
| Assets per employee ($millions) | 7.8095% | 1,072 |
| Cash dividends to net income (ytd only)* | 197.8495% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,177 |
| Loan loss allowance to noncurrent loans | 30.0129% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 1,278 |
| Noncurrent loans to loans | 3.6862% | 198 |
| Net loans and leases to total assets | 24.1406% | 4,893 |
| Net loans and leases to deposits | 25.1907% | 4,922 |
| Net loans and leases to core deposits | 25.9686% | 4,920 |
| Total domestic deposits to total assets | 95.8314% | 4 |
| Equity capital to assets | 4.0813% | 5,024 |
| Core capital (leverage) ratio | 8.6968% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,484,750 | 4,466 |
| Average earning assets | $60,872,500 | 4,448 |
| Average equity | $3,592,250 | 4,897 |
| Average total loans | $17,429,500 | 4,793 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3712% | 4,984 |
| Cost of funding earning assets | 0.1616% | 4,853 |
| Net interest margin | 2.2096% | 4,875 |
| Noninterest income to average assets | 0.9347% | 1,094 |
| Noninterest expense to average assets | 2.4763% | 3,031 |
| Loan and lease loss provision to assets | 0.1569% | 2,428 |
| Net operating income to assets | 0.3069% | 4,407 |
| Return on assets (ROA) | 0.3069% | 4,454 |
| Pretax return on assets | 0.3523% | 4,467 |
| Return on Equity (ROE) | 4.8605% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.8605% | 2,542 |
| Net charge-offs to loans | 1.8339% | 73 |
| Credit loss provision to net charge-offs | 30.2013% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.9799% | 2,896 |
| Efficiency ratio | 82.9439% | 699 |
| Assets per employee ($millions) | 8.7964% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 1,961 |
| Loan loss allowance to noncurrent loans | 27.4106% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,268 |
| Noncurrent loans to loans | 4.7737% | 123 |
| Net loans and leases to total assets | 19.7210% | 4,959 |
| Net loans and leases to deposits | 20.5211% | 4,981 |
| Net loans and leases to core deposits | 21.0779% | 4,983 |
| Total domestic deposits to total assets | 96.1007% | 4 |
| Equity capital to assets | 3.8115% | 5,058 |
| Core capital (leverage) ratio | 8.9680% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,344,667 | 4,575 |
| Average earning assets | $53,222,333 | 4,568 |
| Average equity | $3,621,000 | 4,924 |
| Average total loans | $16,249,333 | 4,842 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 4,731 |
| Cost of funding earning assets | 0.2515% | 4,768 |
| Net interest margin | 3.1495% | 3,983 |
| Noninterest income to average assets | 1.9555% | 280 |
| Noninterest expense to average assets | 3.9748% | 520 |
| Loan and lease loss provision to assets | 0.2444% | 1,273 |
| Net operating income to assets | 0.5314% | 3,804 |
| Return on assets (ROA) | 0.5314% | 3,864 |
| Pretax return on assets | 0.5314% | 4,070 |
| Return on Equity (ROE) | 5.5749% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.5749% | 2,039 |
| Net charge-offs to loans | 4.2702% | 28 |
| Credit loss provision to net charge-offs | 14.6497% | 2,217 |
| Earnings coverage of net charge-offs (x) | 0.4650% | 2,464 |
| Efficiency ratio | 83.6689% | 850 |
| Assets per employee ($millions) | 3.5928% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,376 |
| Loan loss allowance to noncurrent loans | 22.9424% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.4595% | 283 |
| Noncurrent loans to loans | 6.4999% | 67 |
| Net loans and leases to total assets | 37.2739% | 4,745 |
| Net loans and leases to deposits | 41.1389% | 4,816 |
| Net loans and leases to core deposits | 45.1290% | 4,792 |
| Total domestic deposits to total assets | 90.6050% | 166 |
| Equity capital to assets | 9.2407% | 4,442 |
| Core capital (leverage) ratio | 10.4081% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,637,000 | 4,884 |
| Average earning assets | $33,402,000 | 4,882 |
| Average equity | $3,587,500 | 4,973 |
| Average total loans | $14,706,500 | 4,909 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 3,716 |
| Cost of funding earning assets | 0.2905% | 4,751 |
| Net interest margin | 3.9457% | 2,015 |
| Noninterest income to average assets | 2.4830% | 203 |
| Noninterest expense to average assets | 4.2421% | 403 |
| Loan and lease loss provision to assets | 0.2462% | 757 |
| Net operating income to assets | 1.5218% | 1,001 |
| Return on assets (ROA) | 1.5218% | 1,062 |
| Pretax return on assets | 1.5812% | 1,539 |
| Return on Equity (ROE) | 15.6603% | 580 |
| Retained earnings to average equity (ytd only) | 15.6603% | 78 |
| Net charge-offs to loans | 0.4172% | 466 |
| Credit loss provision to net charge-offs | 140.6780% | 1,840 |
| Earnings coverage of net charge-offs (x) | 10.4407% | 2,574 |
| Efficiency ratio | 69.8925% | 2,186 |
| Assets per employee ($millions) | 2.9794% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4691% | 224 |
| Loan loss allowance to noncurrent loans | 48.9712% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.0390% | 379 |
| Noncurrent loans to loans | 5.0418% | 101 |
| Net loans and leases to total assets | 39.4428% | 4,751 |
| Net loans and leases to deposits | 43.8577% | 4,830 |
| Net loans and leases to core deposits | 48.6360% | 4,780 |
| Total domestic deposits to total assets | 89.9337% | 342 |
| Equity capital to assets | 9.8537% | 4,055 |
| Core capital (leverage) ratio | 9.8812% | 3,641 |
| Tier 1 risk-based capital ratio | 35.6702% | 316 |
| Total risk-based capital ratio | 36.9550% | 309 |
| Memoranda: | ||
| Average total assets | $33,709,400 | 4,980 |
| Average earning assets | $30,640,800 | 4,978 |
| Average equity | $3,275,800 | 5,055 |
| Average total loans | $14,140,600 | 4,983 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 3,559 |
| Cost of funding earning assets | 0.3001% | 4,798 |
| Net interest margin | 4.0338% | 1,822 |
| Noninterest income to average assets | 2.5503% | 194 |
| Noninterest expense to average assets | 4.2892% | 367 |
| Loan and lease loss provision to assets | 0.2410% | 688 |
| Net operating income to assets | 1.6506% | 827 |
| Return on assets (ROA) | 1.6506% | 869 |
| Pretax return on assets | 1.6908% | 1,361 |
| Return on Equity (ROE) | 17.0501% | 469 |
| Retained earnings to average equity (ytd only) | 17.0501% | 82 |
| Net charge-offs to loans | 0.5594% | 298 |
| Credit loss provision to net charge-offs | 101.6949% | 2,219 |
| Earnings coverage of net charge-offs (x) | 8.1531% | 2,684 |
| Efficiency ratio | 68.9477% | 2,266 |
| Assets per employee ($millions) | 3.0429% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4697% | 227 |
| Loan loss allowance to noncurrent loans | 39.0643% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.5544% | 261 |
| Noncurrent loans to loans | 6.3221% | 65 |
| Net loans and leases to total assets | 39.4061% | 4,834 |
| Net loans and leases to deposits | 44.0283% | 4,908 |
| Net loans and leases to core deposits | 49.2183% | 4,855 |
| Total domestic deposits to total assets | 89.5017% | 446 |
| Equity capital to assets | 10.2563% | 3,770 |
| Core capital (leverage) ratio | 10.0023% | 3,642 |
| Tier 1 risk-based capital ratio | 38.5351% | 270 |
| Total risk-based capital ratio | 39.8177% | 264 |
| Memoranda: | ||
| Average total assets | $33,198,500 | 5,066 |
| Average earning assets | $30,211,000 | 5,056 |
| Average equity | $3,214,000 | 5,136 |
| Average total loans | $14,061,000 | 5,063 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 3,395 |
| Cost of funding earning assets | 0.2992% | 4,833 |
| Net interest margin | 4.0764% | 1,683 |
| Noninterest income to average assets | 2.5734% | 191 |
| Noninterest expense to average assets | 4.3495% | 352 |
| Loan and lease loss provision to assets | 0.2296% | 714 |
| Net operating income to assets | 1.6371% | 840 |
| Return on assets (ROA) | 1.6371% | 877 |
| Pretax return on assets | 1.6975% | 1,271 |
| Return on Equity (ROE) | 17.2557% | 440 |
| Retained earnings to average equity (ytd only) | 17.2557% | 100 |
| Net charge-offs to loans | 0.7865% | 181 |
| Credit loss provision to net charge-offs | 67.8571% | 2,335 |
| Earnings coverage of net charge-offs (x) | 5.6964% | 2,627 |
| Efficiency ratio | 69.2974% | 2,331 |
| Assets per employee ($millions) | 3.0139% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3354% | 282 |
| Loan loss allowance to noncurrent loans | 31.1881% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 3.0465% | 192 |
| Noncurrent loans to loans | 7.4881% | 49 |
| Net loans and leases to total assets | 39.7340% | 4,852 |
| Net loans and leases to deposits | 44.2329% | 4,950 |
| Net loans and leases to core deposits | 49.4649% | 4,877 |
| Total domestic deposits to total assets | 89.8290% | 384 |
| Equity capital to assets | 9.9508% | 4,017 |
| Core capital (leverage) ratio | 9.1827% | 4,482 |
| Tier 1 risk-based capital ratio | 36.1001% | 307 |
| Total risk-based capital ratio | 37.3787% | 301 |
| Memoranda: | ||
| Average total assets | $33,107,330 | 5,108 |
| Average earning assets | $30,075,670 | 5,102 |
| Average equity | $3,141,000 | 5,181 |
| Average total loans | $14,240,000 | 5,104 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 3,559 |
| Cost of funding earning assets | 0.3175% | 4,789 |
| Net interest margin | 3.9815% | 1,905 |
| Noninterest income to average assets | 1.8740% | 271 |
| Noninterest expense to average assets | 4.2316% | 383 |
| Loan and lease loss provision to assets | 0.1814% | 909 |
| Net operating income to assets | 1.1002% | 2,466 |
| Return on assets (ROA) | 1.1002% | 2,513 |
| Pretax return on assets | 1.1002% | 3,148 |
| Return on Equity (ROE) | 11.8877% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.8877% | 627 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7544% | 1,409 |
| Assets per employee ($millions) | 2.9818% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3239% | 292 |
| Loan loss allowance to noncurrent loans | 23.4976% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 4.5152% | 82 |
| Noncurrent loans to loans | 9.8898% | 27 |
| Net loans and leases to total assets | 44.5945% | 4,719 |
| Net loans and leases to deposits | 49.3772% | 4,836 |
| Net loans and leases to core deposits | 53.8094% | 4,791 |
| Total domestic deposits to total assets | 90.3140% | 349 |
| Equity capital to assets | 9.4878% | 4,271 |
| Core capital (leverage) ratio | 9.2873% | 4,379 |
| Tier 1 risk-based capital ratio | 31.2957% | 433 |
| Total risk-based capital ratio | 32.5751% | 426 |
| Memoranda: | ||
| Average total assets | $33,084,500 | 5,162 |
| Average earning assets | $30,240,000 | 5,147 |
| Average equity | $3,062,000 | 5,239 |
| Average total loans | $14,616,000 | 5,156 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,494 |
| Cost of funding earning assets | 0.3681% | 4,175 |
| Net interest margin | 3.4278% | 3,917 |
| Noninterest income to average assets | 2.0266% | 264 |
| Noninterest expense to average assets | 4.1685% | 420 |
| Loan and lease loss provision to assets | 0.2801% | 595 |
| Net operating income to assets | 0.4844% | 4,690 |
| Return on assets (ROA) | 0.4844% | 4,692 |
| Pretax return on assets | 0.5239% | 4,767 |
| Return on Equity (ROE) | 4.9929% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.9929% | 2,770 |
| Net charge-offs to loans | 0.4859% | 370 |
| Credit loss provision to net charge-offs | 141.6667% | 1,914 |
| Earnings coverage of net charge-offs (x) | 4.0667% | 3,339 |
| Efficiency ratio | 83.8304% | 663 |
| Assets per employee ($millions) | 3.0335% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 271 |
| Loan loss allowance to noncurrent loans | 26.8765% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 3.7130% | 136 |
| Noncurrent loans to loans | 8.6905% | 36 |
| Net loans and leases to total assets | 41.7274% | 4,889 |
| Net loans and leases to deposits | 46.0009% | 4,984 |
| Net loans and leases to core deposits | 51.2930% | 4,911 |
| Total domestic deposits to total assets | 90.7099% | 273 |
| Equity capital to assets | 9.0263% | 4,556 |
| Core capital (leverage) ratio | 9.2584% | 4,390 |
| Tier 1 risk-based capital ratio | 31.7040% | 398 |
| Total risk-based capital ratio | 32.9870% | 397 |
| Memoranda: | ||
| Average total assets | $30,347,000 | 5,237 |
| Average earning assets | $26,080,600 | 5,246 |
| Average equity | $2,944,200 | 5,282 |
| Average total loans | $12,348,000 | 5,245 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,830 |
| Cost of funding earning assets | 0.3757% | 4,016 |
| Net interest margin | 3.2067% | 4,497 |
| Noninterest income to average assets | 2.1762% | 244 |
| Noninterest expense to average assets | 4.0641% | 485 |
| Loan and lease loss provision to assets | 0.2028% | 851 |
| Net operating income to assets | 0.6128% | 4,466 |
| Return on assets (ROA) | 0.6128% | 4,472 |
| Pretax return on assets | 0.6398% | 4,660 |
| Return on Equity (ROE) | 6.1946% | 4,203 |
| Retained earnings to average equity (ytd only) | 6.1946% | 2,551 |
| Net charge-offs to loans | 0.2471% | 687 |
| Credit loss provision to net charge-offs | 204.5455% | 1,352 |
| Earnings coverage of net charge-offs (x) | 8.5009% | 2,701 |
| Efficiency ratio | 82.8283% | 719 |
| Assets per employee ($millions) | 3.3070% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6804% | 193 |
| Loan loss allowance to noncurrent loans | 25.3252% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.9522% | 125 |
| Noncurrent loans to loans | 10.5839% | 26 |
| Net loans and leases to total assets | 36.3411% | 5,132 |
| Net loans and leases to deposits | 40.0480% | 5,205 |
| Net loans and leases to core deposits | 44.6998% | 5,149 |
| Total domestic deposits to total assets | 90.7439% | 280 |
| Equity capital to assets | 9.0596% | 4,498 |
| Core capital (leverage) ratio | 9.3084% | 4,390 |
| Tier 1 risk-based capital ratio | 30.7096% | 447 |
| Total risk-based capital ratio | 31.9905% | 438 |
| Memoranda: | ||
| Average total assets | $29,591,500 | 5,315 |
| Average earning assets | $25,196,500 | 5,329 |
| Average equity | $2,927,250 | 5,355 |
| Average total loans | $11,870,750 | 5,315 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,416 |
| Cost of funding earning assets | 0.3889% | 3,817 |
| Net interest margin | 3.3818% | 4,010 |
| Noninterest income to average assets | 2.1384% | 254 |
| Noninterest expense to average assets | 4.1995% | 409 |
| Loan and lease loss provision to assets | 0.2110% | 794 |
| Net operating income to assets | 0.4994% | 4,752 |
| Return on assets (ROA) | 0.4994% | 4,755 |
| Pretax return on assets | 0.5416% | 4,830 |
| Return on Equity (ROE) | 4.8893% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.8893% | 3,128 |
| Net charge-offs to loans | 0.2562% | 623 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 2,574 |
| Efficiency ratio | 84.8011% | 642 |
| Assets per employee ($millions) | 2.7363% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5209% | 240 |
| Loan loss allowance to noncurrent loans | 28.9686% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 3.7642% | 159 |
| Noncurrent loans to loans | 8.7021% | 39 |
| Net loans and leases to total assets | 41.4964% | 5,002 |
| Net loans and leases to deposits | 46.1107% | 5,097 |
| Net loans and leases to core deposits | 51.5626% | 5,007 |
| Total domestic deposits to total assets | 89.9930% | 577 |
| Equity capital to assets | 9.7445% | 3,879 |
| Core capital (leverage) ratio | 10.2313% | 3,315 |
| Tier 1 risk-based capital ratio | 32.7769% | 384 |
| Total risk-based capital ratio | 34.0514% | 377 |
| Memoranda: | ||
| Average total assets | $28,432,000 | 5,394 |
| Average earning assets | $23,656,330 | 5,408 |
| Average equity | $2,904,330 | 5,418 |
| Average total loans | $11,711,330 | 5,380 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 4,849 |
| Cost of funding earning assets | 0.3871% | 3,682 |
| Net interest margin | 3.1305% | 4,643 |
| Noninterest income to average assets | 2.2900% | 224 |
| Noninterest expense to average assets | 3.9857% | 542 |
| Loan and lease loss provision to assets | 0.2174% | 732 |
| Net operating income to assets | 0.6957% | 4,113 |
| Return on assets (ROA) | 0.6957% | 4,120 |
| Pretax return on assets | 0.7827% | 4,197 |
| Return on Equity (ROE) | 6.6436% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.6436% | 2,433 |
| Net charge-offs to loans | 0.1075% | 1,132 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,389 |
| Efficiency ratio | 79.9419% | 1,142 |
| Assets per employee ($millions) | 2.5683% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9256% | 168 |
| Loan loss allowance to noncurrent loans | 37.5587% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0795% | 255 |
| Noncurrent loans to loans | 7.7894% | 54 |
| Net loans and leases to total assets | 37.5845% | 5,155 |
| Net loans and leases to deposits | 42.0265% | 5,217 |
| Net loans and leases to core deposits | 46.4561% | 5,143 |
| Total domestic deposits to total assets | 89.4305% | 915 |
| Equity capital to assets | 10.3041% | 3,278 |
| Core capital (leverage) ratio | 10.4343% | 3,027 |
| Tier 1 risk-based capital ratio | 32.1799% | 399 |
| Total risk-based capital ratio | 33.4636% | 393 |
| Memoranda: | ||
| Average total assets | $27,598,500 | 5,463 |
| Average earning assets | $23,766,500 | 5,467 |
| Average equity | $2,890,000 | 5,477 |
| Average total loans | $11,160,500 | 5,447 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,511 |
| Cost of funding earning assets | 0.4171% | 3,076 |
| Net interest margin | 3.2128% | 4,414 |
| Noninterest income to average assets | 2.1429% | 267 |
| Noninterest expense to average assets | 4.3203% | 367 |
| Loan and lease loss provision to assets | 0.2074% | 975 |
| Net operating income to assets | 0.3042% | 4,918 |
| Return on assets (ROA) | 0.3042% | 4,933 |
| Pretax return on assets | 0.3042% | 5,209 |
| Return on Equity (ROE) | 3.0999% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.0999% | 3,440 |
| Net charge-offs to loans | 0.1394% | 1,673 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 8.2222% | 2,937 |
| Efficiency ratio | 89.4134% | 454 |
| Assets per employee ($millions) | 2.2455% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7058% | 197 |
| Loan loss allowance to noncurrent loans | 28.5185% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 4.0748% | 142 |
| Noncurrent loans to loans | 9.4878% | 28 |
| Net loans and leases to total assets | 41.1007% | 5,093 |
| Net loans and leases to deposits | 46.1997% | 5,185 |
| Net loans and leases to core deposits | 50.7236% | 5,109 |
| Total domestic deposits to total assets | 88.9631% | 1,017 |
| Equity capital to assets | 10.6472% | 2,996 |
| Core capital (leverage) ratio | 9.8787% | 3,607 |
| Tier 1 risk-based capital ratio | 31.5631% | 400 |
| Total risk-based capital ratio | 32.8435% | 397 |
| Memoranda: | ||
| Average total assets | $28,933,000 | 5,503 |
| Average earning assets | $24,215,800 | 5,520 |
| Average equity | $2,838,800 | 5,542 |
| Average total loans | $12,916,600 | 5,488 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 3,983 |
| Cost of funding earning assets | 0.4231% | 2,955 |
| Net interest margin | 3.3850% | 3,902 |
| Noninterest income to average assets | 2.0251% | 300 |
| Noninterest expense to average assets | 4.2314% | 394 |
| Loan and lease loss provision to assets | 0.2039% | 927 |
| Net operating income to assets | 0.3806% | 5,036 |
| Return on assets (ROA) | 0.3806% | 5,062 |
| Pretax return on assets | 0.3806% | 5,217 |
| Return on Equity (ROE) | 3.9558% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.9558% | 3,566 |
| Net charge-offs to loans | 0.1705% | 1,225 |
| Credit loss provision to net charge-offs | 264.7059% | 1,085 |
| Earnings coverage of net charge-offs (x) | 7.5871% | 2,861 |
| Efficiency ratio | 87.8645% | 516 |
| Assets per employee ($millions) | 2.3087% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4839% | 271 |
| Loan loss allowance to noncurrent loans | 29.0801% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 3.4285% | 232 |
| Noncurrent loans to loans | 8.5417% | 37 |
| Net loans and leases to total assets | 38.4567% | 5,245 |
| Net loans and leases to deposits | 42.6739% | 5,352 |
| Net loans and leases to core deposits | 46.3367% | 5,306 |
| Total domestic deposits to total assets | 90.1176% | 436 |
| Equity capital to assets | 9.5825% | 4,361 |
| Core capital (leverage) ratio | 10.0869% | 3,457 |
| Tier 1 risk-based capital ratio | 27.3087% | 604 |
| Total risk-based capital ratio | 28.5618% | 595 |
| Memoranda: | ||
| Average total assets | $29,429,750 | 5,558 |
| Average earning assets | $24,263,500 | 5,583 |
| Average equity | $2,831,250 | 5,606 |
| Average total loans | $13,300,000 | 5,542 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,177 |
| Cost of funding earning assets | 0.4469% | 2,629 |
| Net interest margin | 3.2692% | 4,212 |
| Noninterest income to average assets | 2.0934% | 295 |
| Noninterest expense to average assets | 4.2893% | 381 |
| Loan and lease loss provision to assets | 0.2052% | 881 |
| Net operating income to assets | 0.3010% | 5,218 |
| Return on assets (ROA) | 0.3010% | 5,238 |
| Pretax return on assets | 0.3010% | 5,336 |
| Return on Equity (ROE) | 3.1246% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.1246% | 3,850 |
| Net charge-offs to loans | 0.2176% | 943 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,875 |
| Efficiency ratio | 89.4437% | 479 |
| Assets per employee ($millions) | 1.8519% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 381 |
| Loan loss allowance to noncurrent loans | 23.4558% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 4.6901% | 121 |
| Noncurrent loans to loans | 9.7517% | 28 |
| Net loans and leases to total assets | 46.2992% | 4,937 |
| Net loans and leases to deposits | 52.1754% | 5,050 |
| Net loans and leases to core deposits | 56.5719% | 4,971 |
| Total domestic deposits to total assets | 88.7376% | 1,090 |
| Equity capital to assets | 10.9461% | 2,866 |
| Core capital (leverage) ratio | 10.9861% | 2,424 |
| Tier 1 risk-based capital ratio | 27.9284% | 554 |
| Total risk-based capital ratio | 29.1988% | 544 |
| Memoranda: | ||
| Average total assets | $29,235,330 | 5,605 |
| Average earning assets | $24,164,670 | 5,630 |
| Average equity | $2,816,330 | 5,654 |
| Average total loans | $13,788,000 | 5,579 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3101% | 5,086 |
| Cost of funding earning assets | 0.5092% | 2,013 |
| Net interest margin | 2.8009% | 5,234 |
| Noninterest income to average assets | 2.0719% | 300 |
| Noninterest expense to average assets | 3.9755% | 555 |
| Loan and lease loss provision to assets | 0.1942% | 858 |
| Net operating income to assets | 0.3237% | 5,138 |
| Return on assets (ROA) | 0.3237% | 5,165 |
| Pretax return on assets | 0.3237% | 5,277 |
| Return on Equity (ROE) | 3.5644% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.5644% | 3,660 |
| Net charge-offs to loans | 0.4952% | 371 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 2,620 |
| Efficiency ratio | 88.4726% | 636 |
| Assets per employee ($millions) | 2.0762% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 835 |
| Loan loss allowance to noncurrent loans | 23.7151% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.8153% | 204 |
| Noncurrent loans to loans | 7.8921% | 65 |
| Net loans and leases to total assets | 47.4387% | 4,862 |
| Net loans and leases to deposits | 52.8112% | 4,992 |
| Net loans and leases to core deposits | 56.6935% | 4,940 |
| Total domestic deposits to total assets | 89.8270% | 736 |
| Equity capital to assets | 9.6983% | 4,065 |
| Core capital (leverage) ratio | 9.2271% | 4,439 |
| Tier 1 risk-based capital ratio | 25.3298% | 747 |
| Total risk-based capital ratio | 26.6040% | 723 |
| Memoranda: | ||
| Average total assets | $30,889,500 | 5,649 |
| Average earning assets | $26,706,000 | 5,662 |
| Average equity | $2,805,500 | 5,717 |
| Average total loans | $14,539,500 | 5,619 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 5,073 |
| Cost of funding earning assets | 0.5539% | 1,653 |
| Net interest margin | 2.7983% | 5,291 |
| Noninterest income to average assets | 2.0364% | 338 |
| Noninterest expense to average assets | 3.9569% | 639 |
| Loan and lease loss provision to assets | 1.6417% | 54 |
| Net operating income to assets | -1.1247% | 5,843 |
| Return on assets (ROA) | -1.1059% | 5,841 |
| Pretax return on assets | -1.1059% | 5,837 |
| Return on Equity (ROE) | -11.8831% | 5,847 |
| Retained earnings to average equity (ytd only) | -11.8831% | 5,803 |
| Net charge-offs to loans | 3.0180% | 40 |
| Credit loss provision to net charge-offs | 101.7476% | 2,526 |
| Earnings coverage of net charge-offs (x) | 0.3204% | 4,115 |
| Efficiency ratio | 88.4454% | 643 |
| Assets per employee ($millions) | 2.3366% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 999 |
| Loan loss allowance to noncurrent loans | 23.0903% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.5216% | 247 |
| Noncurrent loans to loans | 7.6662% | 61 |
| Net loans and leases to total assets | 45.1241% | 5,063 |
| Net loans and leases to deposits | 49.5935% | 5,229 |
| Net loans and leases to core deposits | 54.0795% | 5,149 |
| Total domestic deposits to total assets | 90.9880% | 283 |
| Equity capital to assets | 8.5351% | 5,245 |
| Core capital (leverage) ratio | 8.5363% | 5,222 |
| Tier 1 risk-based capital ratio | 21.8322% | 1,106 |
| Total risk-based capital ratio | 23.0922% | 1,080 |
| Memoranda: | ||
| Average total assets | $31,918,600 | 5,688 |
| Average earning assets | $27,803,000 | 5,690 |
| Average equity | $2,970,600 | 5,761 |
| Average total loans | $17,064,200 | 5,611 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2182% | 5,336 |
| Cost of funding earning assets | 0.5574% | 1,628 |
| Net interest margin | 2.6608% | 5,532 |
| Noninterest income to average assets | 2.2110% | 306 |
| Noninterest expense to average assets | 3.9007% | 673 |
| Loan and lease loss provision to assets | 2.1395% | 34 |
| Net operating income to assets | -1.5216% | 5,930 |
| Return on assets (ROA) | -1.5216% | 5,930 |
| Pretax return on assets | -1.5216% | 5,927 |
| Return on Equity (ROE) | -16.0070% | 5,930 |
| Retained earnings to average equity (ytd only) | -16.0070% | 5,896 |
| Net charge-offs to loans | 3.9149% | 24 |
| Credit loss provision to net charge-offs | 98.6434% | 2,403 |
| Earnings coverage of net charge-offs (x) | 0.2849% | 3,806 |
| Efficiency ratio | 86.3256% | 799 |
| Assets per employee ($millions) | 2.6849% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 1,379 |
| Loan loss allowance to noncurrent loans | 12.1773% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 6.3720% | 91 |
| Noncurrent loans to loans | 13.3920% | 17 |
| Net loans and leases to total assets | 46.8047% | 5,038 |
| Net loans and leases to deposits | 51.5432% | 5,226 |
| Net loans and leases to core deposits | 57.3646% | 5,083 |
| Total domestic deposits to total assets | 90.8067% | 238 |
| Equity capital to assets | 8.7340% | 5,376 |
| Core capital (leverage) ratio | 8.4446% | 5,403 |
| Tier 1 risk-based capital ratio | 21.5013% | 1,193 |
| Total risk-based capital ratio | 22.7629% | 1,177 |
| Memoranda: | ||
| Average total assets | $31,720,250 | 5,751 |
| Average earning assets | $27,509,500 | 5,760 |
| Average equity | $3,015,250 | 5,820 |
| Average total loans | $17,573,500 | 5,645 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 4,904 |
| Cost of funding earning assets | 0.5267% | 1,890 |
| Net interest margin | 2.9599% | 5,153 |
| Noninterest income to average assets | 2.3124% | 283 |
| Noninterest expense to average assets | 3.8583% | 710 |
| Loan and lease loss provision to assets | 2.8509% | 24 |
| Net operating income to assets | -1.8689% | 6,011 |
| Return on assets (ROA) | -1.8689% | 6,010 |
| Pretax return on assets | -1.8689% | 6,008 |
| Return on Equity (ROE) | -19.0507% | 6,011 |
| Retained earnings to average equity (ytd only) | -19.0507% | 5,966 |
| Net charge-offs to loans | 5.6000% | 12 |
| Credit loss provision to net charge-offs | 87.7193% | 2,275 |
| Earnings coverage of net charge-offs (x) | 0.3021% | 3,533 |
| Efficiency ratio | 79.7120% | 1,529 |
| Assets per employee ($millions) | 3.0666% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,863 |
| Loan loss allowance to noncurrent loans | 16.4546% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 3.4951% | 307 |
| Noncurrent loans to loans | 7.8162% | 72 |
| Net loans and leases to total assets | 44.1408% | 5,223 |
| Net loans and leases to deposits | 48.4543% | 5,409 |
| Net loans and leases to core deposits | 53.6364% | 5,297 |
| Total domestic deposits to total assets | 91.0977% | 177 |
| Equity capital to assets | 8.5762% | 5,552 |
| Core capital (leverage) ratio | 8.5540% | 5,316 |
| Tier 1 risk-based capital ratio | 21.6444% | 1,177 |
| Total risk-based capital ratio | 22.8987% | 1,164 |
| Memoranda: | ||
| Average total assets | $31,568,670 | 5,822 |
| Average earning assets | $26,960,330 | 5,843 |
| Average equity | $3,097,000 | 5,882 |
| Average total loans | $18,321,330 | 5,691 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,895 |
| Cost of funding earning assets | 0.4868% | 2,206 |
| Net interest margin | 3.0123% | 5,092 |
| Noninterest income to average assets | 2.4929% | 253 |
| Noninterest expense to average assets | 3.9887% | 611 |
| Loan and lease loss provision to assets | 0.1968% | 997 |
| Net operating income to assets | 0.9053% | 2,728 |
| Return on assets (ROA) | 0.9053% | 2,853 |
| Pretax return on assets | 0.9053% | 3,827 |
| Return on Equity (ROE) | 8.6277% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.6277% | 1,220 |
| Net charge-offs to loans | 0.0602% | 1,907 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,227 |
| Efficiency ratio | 78.3505% | 1,846 |
| Assets per employee ($millions) | 2.6802% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 2,523 |
| Loan loss allowance to noncurrent loans | 7.8198% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 11.6681% | 37 |
| Noncurrent loans to loans | 17.6202% | 10 |
| Net loans and leases to total assets | 65.3076% | 3,064 |
| Net loans and leases to deposits | 73.6037% | 3,482 |
| Net loans and leases to core deposits | 82.9878% | 3,049 |
| Total domestic deposits to total assets | 88.7287% | 1,235 |
| Equity capital to assets | 11.0033% | 2,934 |
| Core capital (leverage) ratio | 10.6443% | 2,802 |
| Tier 1 risk-based capital ratio | 24.3748% | 881 |
| Total risk-based capital ratio | 25.6367% | 864 |
| Memoranda: | ||
| Average total assets | $30,486,500 | 5,899 |
| Average earning assets | $26,292,500 | 5,911 |
| Average equity | $3,199,000 | 5,923 |
| Average total loans | $19,940,000 | 5,684 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 5,214 |
| Cost of funding earning assets | 0.4344% | 2,797 |
| Net interest margin | 2.9407% | 5,272 |
| Noninterest income to average assets | 1.9632% | 370 |
| Noninterest expense to average assets | 3.5132% | 1,270 |
| Loan and lease loss provision to assets | 0.6329% | 163 |
| Net operating income to assets | 0.3165% | 5,313 |
| Return on assets (ROA) | 0.3165% | 5,398 |
| Pretax return on assets | 0.3165% | 5,490 |
| Return on Equity (ROE) | 3.4642% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.4642% | 3,591 |
| Net charge-offs to loans | 1.1702% | 153 |
| Credit loss provision to net charge-offs | 87.0968% | 2,811 |
| Earnings coverage of net charge-offs (x) | 1.3065% | 4,111 |
| Efficiency ratio | 78.7262% | 1,854 |
| Assets per employee ($millions) | 3.1491% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 3,096 |
| Loan loss allowance to noncurrent loans | 8.6707% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 9.4122% | 62 |
| Noncurrent loans to loans | 14.5601% | 18 |
| Net loans and leases to total assets | 63.8278% | 3,311 |
| Net loans and leases to deposits | 71.2034% | 3,798 |
| Net loans and leases to core deposits | 79.5378% | 3,393 |
| Total domestic deposits to total assets | 89.6415% | 782 |
| Equity capital to assets | 10.0156% | 3,941 |
| Core capital (leverage) ratio | 9.5317% | 4,128 |
| Tier 1 risk-based capital ratio | 20.8272% | 1,328 |
| Total risk-based capital ratio | 22.0854% | 1,302 |
| Memoranda: | ||
| Average total assets | $34,128,400 | 5,885 |
| Average earning assets | $29,006,400 | 5,921 |
| Average equity | $3,117,600 | 5,985 |
| Average total loans | $21,193,800 | 5,676 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2690% | 5,463 |
| Cost of funding earning assets | 0.4277% | 2,934 |
| Net interest margin | 2.8412% | 5,509 |
| Noninterest income to average assets | 1.8797% | 396 |
| Noninterest expense to average assets | 3.5145% | 1,256 |
| Loan and lease loss provision to assets | 0.1723% | 1,229 |
| Net operating income to assets | 0.6087% | 4,341 |
| Return on assets (ROA) | 0.6087% | 4,444 |
| Pretax return on assets | 0.6087% | 4,956 |
| Return on Equity (ROE) | 6.7357% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.7357% | 1,816 |
| Net charge-offs to loans | 0.0124% | 3,737 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 101.8689% | 614 |
| Efficiency ratio | 81.8182% | 1,418 |
| Assets per employee ($millions) | 3.5856% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,160 |
| Loan loss allowance to noncurrent loans | 13.7874% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 6.7158% | 121 |
| Noncurrent loans to loans | 10.8831% | 33 |
| Net loans and leases to total assets | 60.7820% | 3,762 |
| Net loans and leases to deposits | 67.0461% | 4,278 |
| Net loans and leases to core deposits | 73.7580% | 4,037 |
| Total domestic deposits to total assets | 90.6571% | 349 |
| Equity capital to assets | 9.0138% | 5,297 |
| Core capital (leverage) ratio | 10.1829% | 3,395 |
| Tier 1 risk-based capital ratio | 19.9600% | 1,563 |
| Total risk-based capital ratio | 21.2178% | 1,520 |
| Memoranda: | ||
| Average total assets | $34,826,500 | 5,953 |
| Average earning assets | $29,611,250 | 5,987 |
| Average equity | $3,147,250 | 6,060 |
| Average total loans | $21,463,250 | 5,729 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 5,840 |
| Cost of funding earning assets | 0.4381% | 2,865 |
| Net interest margin | 2.5807% | 5,900 |
| Noninterest income to average assets | 1.8966% | 398 |
| Noninterest expense to average assets | 3.5089% | 1,286 |
| Loan and lease loss provision to assets | 0.1740% | 1,196 |
| Net operating income to assets | 0.4002% | 5,135 |
| Return on assets (ROA) | 0.4002% | 5,241 |
| Pretax return on assets | 0.4002% | 5,466 |
| Return on Equity (ROE) | 4.4245% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.4245% | 3,195 |
| Net charge-offs to loans | 0.0094% | 3,578 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 604 |
| Efficiency ratio | 85.9375% | 1,063 |
| Assets per employee ($millions) | 3.4024% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 2,416 |
| Loan loss allowance to noncurrent loans | 13.2225% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 7.0685% | 126 |
| Noncurrent loans to loans | 11.1096% | 42 |
| Net loans and leases to total assets | 62.6910% | 3,450 |
| Net loans and leases to deposits | 69.2420% | 4,012 |
| Net loans and leases to core deposits | 76.5834% | 3,710 |
| Total domestic deposits to total assets | 90.5390% | 441 |
| Equity capital to assets | 9.1964% | 5,020 |
| Core capital (leverage) ratio | 9.1927% | 4,707 |
| Tier 1 risk-based capital ratio | 18.8671% | 1,821 |
| Total risk-based capital ratio | 20.1286% | 1,786 |
| Memoranda: | ||
| Average total assets | $34,483,330 | 6,027 |
| Average earning assets | $29,216,330 | 6,057 |
| Average equity | $3,119,000 | 6,128 |
| Average total loans | $21,242,330 | 5,801 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 2,473 |
| Cost of funding earning assets | 0.4087% | 3,207 |
| Net interest margin | 3.7870% | 2,271 |
| Noninterest income to average assets | 1.6593% | 461 |
| Noninterest expense to average assets | 3.5952% | 1,146 |
| Loan and lease loss provision to assets | 0.1728% | 1,138 |
| Net operating income to assets | 1.0947% | 1,888 |
| Return on assets (ROA) | 1.0947% | 1,996 |
| Pretax return on assets | 1.0947% | 3,103 |
| Return on Equity (ROE) | 12.2030% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.2030% | 545 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9336% | 2,829 |
| Assets per employee ($millions) | 3.4097% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 2,567 |
| Loan loss allowance to noncurrent loans | 12.7037% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 7.0182% | 130 |
| Noncurrent loans to loans | 11.5906% | 42 |
| Net loans and leases to total assets | 59.6592% | 3,704 |
| Net loans and leases to deposits | 65.9405% | 4,155 |
| Net loans and leases to core deposits | 72.9208% | 3,880 |
| Total domestic deposits to total assets | 90.4742% | 538 |
| Equity capital to assets | 9.3087% | 4,950 |
| Core capital (leverage) ratio | 9.1605% | 4,779 |
| Tier 1 risk-based capital ratio | 19.4132% | 1,760 |
| Total risk-based capital ratio | 20.6742% | 1,713 |
| Memoranda: | ||
| Average total assets | $34,713,000 | 6,085 |
| Average earning assets | $29,364,000 | 6,116 |
| Average equity | $3,114,000 | 6,189 |
| Average total loans | $21,039,500 | 5,854 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 1,790 |
| Cost of funding earning assets | 0.5068% | 2,601 |
| Net interest margin | 4.0138% | 1,860 |
| Noninterest income to average assets | 2.0758% | 319 |
| Noninterest expense to average assets | 3.9983% | 753 |
| Loan and lease loss provision to assets | 0.1879% | 1,365 |
| Net operating income to assets | 1.3119% | 1,281 |
| Return on assets (ROA) | 1.3119% | 1,326 |
| Pretax return on assets | 1.3119% | 2,203 |
| Return on Equity (ROE) | 14.4264% | 862 |
| Retained earnings to average equity (ytd only) | 14.4264% | 159 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7221% | 3,083 |
| Assets per employee ($millions) | 2.9441% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,177 |
| Loan loss allowance to noncurrent loans | 12.1174% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 6.7508% | 162 |
| Noncurrent loans to loans | 11.1277% | 56 |
| Net loans and leases to total assets | 59.8488% | 3,807 |
| Net loans and leases to deposits | 65.7974% | 4,349 |
| Net loans and leases to core deposits | 71.1967% | 4,200 |
| Total domestic deposits to total assets | 90.9593% | 382 |
| Equity capital to assets | 8.6445% | 5,614 |
| Core capital (leverage) ratio | 8.4119% | 5,649 |
| Tier 1 risk-based capital ratio | 17.0810% | 2,479 |
| Total risk-based capital ratio | 18.3354% | 2,433 |
| Memoranda: | ||
| Average total assets | $31,938,800 | 6,219 |
| Average earning assets | $27,231,000 | 6,234 |
| Average equity | $2,904,400 | 6,292 |
| Average total loans | $19,095,000 | 5,996 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 1,596 |
| Cost of funding earning assets | 0.5127% | 2,627 |
| Net interest margin | 4.0763% | 1,650 |
| Noninterest income to average assets | 2.1485% | 305 |
| Noninterest expense to average assets | 3.9710% | 779 |
| Loan and lease loss provision to assets | 0.1930% | 1,250 |
| Net operating income to assets | 1.4623% | 1,005 |
| Return on assets (ROA) | 1.4623% | 1,045 |
| Pretax return on assets | 1.4623% | 1,769 |
| Return on Equity (ROE) | 15.8584% | 689 |
| Retained earnings to average equity (ytd only) | 15.8584% | 172 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5793% | 3,409 |
| Assets per employee ($millions) | 3.2123% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,416 |
| Loan loss allowance to noncurrent loans | 9,133.3333% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 6,168 |
| Noncurrent loans to loans | 0.0147% | 5,975 |
| Net loans and leases to total assets | 52.1168% | 4,793 |
| Net loans and leases to deposits | 56.6426% | 5,193 |
| Net loans and leases to core deposits | 60.8217% | 5,133 |
| Total domestic deposits to total assets | 92.0100% | 158 |
| Equity capital to assets | 7.7125% | 6,240 |
| Core capital (leverage) ratio | 9.7085% | 4,066 |
| Tier 1 risk-based capital ratio | 16.8982% | 2,652 |
| Total risk-based capital ratio | 18.1495% | 2,609 |
| Memoranda: | ||
| Average total assets | $31,091,250 | 6,308 |
| Average earning assets | $26,527,000 | 6,330 |
| Average equity | $2,867,000 | 6,366 |
| Average total loans | $18,510,500 | 6,082 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 1,029 |
| Cost of funding earning assets | 0.5342% | 2,498 |
| Net interest margin | 4.2898% | 1,044 |
| Noninterest income to average assets | 2.3911% | 261 |
| Noninterest expense to average assets | 4.3278% | 533 |
| Loan and lease loss provision to assets | 0.2097% | 1,133 |
| Net operating income to assets | 1.5032% | 863 |
| Return on assets (ROA) | 1.5032% | 898 |
| Pretax return on assets | 1.5032% | 1,529 |
| Return on Equity (ROE) | 15.1854% | 765 |
| Retained earnings to average equity (ytd only) | 15.1854% | 207 |
| Net charge-offs to loans | 0.0112% | 4,035 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 274 |
| Efficiency ratio | 71.6435% | 3,408 |
| Assets per employee ($millions) | 2.6175% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 3,407 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 6,217 |
| Noncurrent loans to loans | 0.0162% | 6,029 |
| Net loans and leases to total assets | 63.5941% | 3,141 |
| Net loans and leases to deposits | 70.9305% | 3,708 |
| Net loans and leases to core deposits | 75.1118% | 3,724 |
| Total domestic deposits to total assets | 89.6568% | 990 |
| Equity capital to assets | 9.9194% | 4,219 |
| Core capital (leverage) ratio | 9.9724% | 3,654 |
| Tier 1 risk-based capital ratio | 19.3812% | 1,828 |
| Total risk-based capital ratio | 20.6394% | 1,793 |
| Memoranda: | ||
| Average total assets | $28,605,670 | 6,412 |
| Average earning assets | $24,337,000 | 6,427 |
| Average equity | $2,831,670 | 6,423 |
| Average total loans | $17,892,670 | 6,167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 999 |
| Cost of funding earning assets | 0.5657% | 2,286 |
| Net interest margin | 4.2595% | 1,079 |
| Noninterest income to average assets | 2.2166% | 282 |
| Noninterest expense to average assets | 4.3209% | 542 |
| Loan and lease loss provision to assets | 0.2104% | 1,088 |
| Net operating income to assets | 1.2766% | 1,277 |
| Return on assets (ROA) | 1.2766% | 1,330 |
| Pretax return on assets | 1.2766% | 2,190 |
| Return on Equity (ROE) | 12.9101% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.9101% | 493 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3961% | 3,068 |
| Assets per employee ($millions) | 2.4042% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,409 |
| Loan loss allowance to noncurrent loans | 1,284.2105% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 6,077 |
| Noncurrent loans to loans | 0.1122% | 5,790 |
| Net loans and leases to total assets | 57.8579% | 3,861 |
| Net loans and leases to deposits | 64.4578% | 4,268 |
| Net loans and leases to core deposits | 68.2448% | 4,280 |
| Total domestic deposits to total assets | 89.7608% | 1,198 |
| Equity capital to assets | 9.9619% | 3,886 |
| Core capital (leverage) ratio | 10.0281% | 3,535 |
| Tier 1 risk-based capital ratio | 20.3791% | 1,624 |
| Total risk-based capital ratio | 21.6332% | 1,592 |
| Memoranda: | ||
| Average total assets | $28,512,500 | 6,480 |
| Average earning assets | $24,040,500 | 6,497 |
| Average equity | $2,819,500 | 6,486 |
| Average total loans | $17,555,000 | 6,235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,401 |
| Cost of funding earning assets | 0.4568% | 4,050 |
| Net interest margin | 3.9911% | 1,968 |
| Noninterest income to average assets | 2.7192% | 252 |
| Noninterest expense to average assets | 4.5772% | 492 |
| Loan and lease loss provision to assets | 0.2199% | 1,661 |
| Net operating income to assets | 1.3010% | 1,249 |
| Return on assets (ROA) | 1.3010% | 1,294 |
| Pretax return on assets | 1.4439% | 1,640 |
| Return on Equity (ROE) | 13.6875% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.6875% | 211 |
| Net charge-offs to loans | -0.1377% | 6,548 |
| Credit loss provision to net charge-offs | -260.8696% | 6,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3412% | 3,241 |
| Assets per employee ($millions) | 2.3479% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.6948% | 3,096 |
| Net loans and leases to deposits | 79.6255% | 2,505 |
| Net loans and leases to core deposits | 81.1485% | 2,991 |
| Total domestic deposits to total assets | 79.9929% | 5,447 |
| Equity capital to assets | 9.8137% | 4,018 |
| Core capital (leverage) ratio | 9.6764% | 4,017 |
| Tier 1 risk-based capital ratio | 19.8466% | 1,688 |
| Total risk-based capital ratio | 21.1009% | 1,660 |
| Memoranda: | ||
| Average total assets | $27,287,400 | 6,579 |
| Average earning assets | $24,078,400 | 6,573 |
| Average equity | $2,593,600 | 6,606 |
| Average total loans | $16,702,200 | 6,335 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 2,677 |
| Cost of funding earning assets | 0.4681% | 4,079 |
| Net interest margin | 3.9065% | 2,250 |
| Noninterest income to average assets | 2.6208% | 277 |
| Noninterest expense to average assets | 4.5124% | 512 |
| Loan and lease loss provision to assets | 0.2217% | 1,641 |
| Net operating income to assets | 1.2217% | 1,558 |
| Return on assets (ROA) | 1.2217% | 1,632 |
| Pretax return on assets | 1.3399% | 2,165 |
| Return on Equity (ROE) | 12.9632% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.9632% | 338 |
| Net charge-offs to loans | -0.2612% | 6,701 |
| Credit loss provision to net charge-offs | -140.6250% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2903% | 3,016 |
| Assets per employee ($millions) | 3.2240% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,463 |
| Loan loss allowance to noncurrent loans | 126.1364% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 4,620 |
| Noncurrent loans to loans | 1.0202% | 3,761 |
| Net loans and leases to total assets | 58.6883% | 3,894 |
| Net loans and leases to deposits | 64.9491% | 4,413 |
| Net loans and leases to core deposits | 66.0141% | 4,711 |
| Total domestic deposits to total assets | 90.3605% | 812 |
| Equity capital to assets | 9.2776% | 4,827 |
| Core capital (leverage) ratio | 9.5929% | 4,259 |
| Tier 1 risk-based capital ratio | 20.3983% | 1,627 |
| Total risk-based capital ratio | 21.6545% | 1,599 |
| Memoranda: | ||
| Average total assets | $27,065,500 | 6,658 |
| Average earning assets | $23,925,250 | 6,656 |
| Average equity | $2,550,750 | 6,694 |
| Average total loans | $16,334,250 | 6,422 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 3,025 |
| Cost of funding earning assets | 0.4798% | 4,100 |
| Net interest margin | 3.8045% | 2,542 |
| Noninterest income to average assets | 2.2941% | 364 |
| Noninterest expense to average assets | 4.4444% | 553 |
| Loan and lease loss provision to assets | 0.2271% | 1,662 |
| Net operating income to assets | 0.8026% | 3,287 |
| Return on assets (ROA) | 0.8026% | 3,436 |
| Pretax return on assets | 0.9843% | 3,579 |
| Return on Equity (ROE) | 8.4676% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.4676% | 1,307 |
| Net charge-offs to loans | -0.4118% | 6,805 |
| Credit loss provision to net charge-offs | -90.9091% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5810% | 2,371 |
| Assets per employee ($millions) | 2.4884% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 4,918 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,565 |
| Noncurrent loans to loans | 0.0058% | 6,429 |
| Net loans and leases to total assets | 61.8881% | 3,309 |
| Net loans and leases to deposits | 68.4721% | 3,941 |
| Net loans and leases to core deposits | 69.6632% | 4,305 |
| Total domestic deposits to total assets | 90.3843% | 817 |
| Equity capital to assets | 9.1736% | 5,025 |
| Core capital (leverage) ratio | 9.7704% | 3,834 |
| Tier 1 risk-based capital ratio | 15.9957% | 3,198 |
| Total risk-based capital ratio | 17.2466% | 3,138 |
| Memoranda: | ||
| Average total assets | $26,415,330 | 6,721 |
| Average earning assets | $23,340,670 | 6,712 |
| Average equity | $2,503,670 | 6,751 |
| Average total loans | $16,028,670 | 6,473 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,891 |
| Cost of funding earning assets | 0.4837% | 4,253 |
| Net interest margin | 3.5756% | 3,362 |
| Noninterest income to average assets | 2.4213% | 332 |
| Noninterest expense to average assets | 4.5803% | 506 |
| Loan and lease loss provision to assets | 0.2313% | 1,582 |
| Net operating income to assets | 0.7557% | 3,402 |
| Return on assets (ROA) | 0.7557% | 3,542 |
| Pretax return on assets | 0.8019% | 4,161 |
| Return on Equity (ROE) | 7.8400% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.8400% | 1,808 |
| Net charge-offs to loans | -0.8533% | 6,918 |
| Credit loss provision to net charge-offs | -45.4545% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5934% | 2,102 |
| Assets per employee ($millions) | 2.3841% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,014 |
| Loan loss allowance to noncurrent loans | 9,650.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,607 |
| Noncurrent loans to loans | 0.0128% | 6,463 |
| Net loans and leases to total assets | 58.7493% | 3,658 |
| Net loans and leases to deposits | 65.3199% | 4,148 |
| Net loans and leases to core deposits | 66.5012% | 4,466 |
| Total domestic deposits to total assets | 89.9409% | 1,089 |
| Equity capital to assets | 9.6320% | 4,663 |
| Core capital (leverage) ratio | 9.1676% | 4,616 |
| Tier 1 risk-based capital ratio | 16.4149% | 3,058 |
| Total risk-based capital ratio | 17.6633% | 3,004 |
| Memoranda: | ||
| Average total assets | $25,937,000 | 6,799 |
| Average earning assets | $23,157,000 | 6,785 |
| Average equity | $2,500,000 | 6,812 |
| Average total loans | $15,469,000 | 6,557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 2,572 |
| Cost of funding earning assets | 0.5330% | 4,970 |
| Net interest margin | 4.1727% | 1,736 |
| Noninterest income to average assets | 1.4645% | 731 |
| Noninterest expense to average assets | 3.9667% | 1,012 |
| Loan and lease loss provision to assets | 0.4307% | 1,482 |
| Net operating income to assets | 0.6109% | 4,189 |
| Return on assets (ROA) | 0.6109% | 4,448 |
| Pretax return on assets | 0.6539% | 4,814 |
| Return on Equity (ROE) | 6.5923% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.5923% | 1,768 |
| Net charge-offs to loans | 0.9296% | 1,207 |
| Credit loss provision to net charge-offs | 86.6142% | 3,602 |
| Earnings coverage of net charge-offs (x) | 2.1811% | 4,330 |
| Efficiency ratio | 78.5271% | 2,357 |
| Assets per employee ($millions) | 2.3317% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 6,144 |
| Loan loss allowance to noncurrent loans | 181.2500% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 5,735 |
| Noncurrent loans to loans | 0.5216% | 5,228 |
| Net loans and leases to total assets | 59.2343% | 3,743 |
| Net loans and leases to deposits | 65.8932% | 4,304 |
| Net loans and leases to core deposits | 67.1128% | 4,631 |
| Total domestic deposits to total assets | 89.8943% | 1,011 |
| Equity capital to assets | 9.6456% | 4,665 |
| Core capital (leverage) ratio | 8.9011% | 5,040 |
| Tier 1 risk-based capital ratio | 17.0848% | 2,610 |
| Total risk-based capital ratio | 18.1452% | 2,665 |
| Memoranda: | ||
| Average total assets | $25,537,600 | 6,855 |
| Average earning assets | $21,952,200 | 6,865 |
| Average equity | $2,366,400 | 6,907 |
| Average total loans | $13,662,400 | 6,708 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 3,694 |
| Cost of funding earning assets | 0.5584% | 5,012 |
| Net interest margin | 3.9269% | 2,814 |
| Noninterest income to average assets | 1.3694% | 794 |
| Noninterest expense to average assets | 3.7945% | 1,218 |
| Loan and lease loss provision to assets | 0.2352% | 2,694 |
| Net operating income to assets | 0.6847% | 3,982 |
| Return on assets (ROA) | 0.6847% | 4,242 |
| Pretax return on assets | 0.6847% | 4,913 |
| Return on Equity (ROE) | 7.4657% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.4657% | 1,870 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4878% | 2,020 |
| Assets per employee ($millions) | 2.6133% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,681 |
| Loan loss allowance to noncurrent loans | 162.9921% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 5,560 |
| Noncurrent loans to loans | 0.8153% | 4,783 |
| Net loans and leases to total assets | 53.4683% | 4,828 |
| Net loans and leases to deposits | 58.6910% | 5,358 |
| Net loans and leases to core deposits | 59.6453% | 5,595 |
| Total domestic deposits to total assets | 91.1014% | 389 |
| Equity capital to assets | 8.5612% | 6,215 |
| Core capital (leverage) ratio | 8.8069% | 5,339 |
| Tier 1 risk-based capital ratio | 15.2961% | 3,648 |
| Total risk-based capital ratio | 16.5465% | 3,604 |
| Memoranda: | ||
| Average total assets | $25,509,750 | 6,940 |
| Average earning assets | $21,730,000 | 6,958 |
| Average equity | $2,339,500 | 7,000 |
| Average total loans | $13,243,500 | 6,818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 4,405 |
| Cost of funding earning assets | 0.5709% | 5,139 |
| Net interest margin | 3.7716% | 3,490 |
| Noninterest income to average assets | 1.3671% | 766 |
| Noninterest expense to average assets | 3.8803% | 1,099 |
| Loan and lease loss provision to assets | 0.2456% | 2,604 |
| Net operating income to assets | 0.5403% | 4,626 |
| Return on assets (ROA) | 0.5403% | 4,905 |
| Pretax return on assets | 0.5403% | 5,334 |
| Return on Equity (ROE) | 5.7416% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.7416% | 2,858 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1579% | 1,728 |
| Assets per employee ($millions) | 2.3450% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 4,222 |
| Loan loss allowance to noncurrent loans | 151.1811% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 5,524 |
| Noncurrent loans to loans | 0.9632% | 4,583 |
| Net loans and leases to total assets | 50.3702% | 5,311 |
| Net loans and leases to deposits | 55.6732% | 5,685 |
| Net loans and leases to core deposits | 59.2882% | 5,667 |
| Total domestic deposits to total assets | 90.4749% | 681 |
| Equity capital to assets | 9.1491% | 5,526 |
| Core capital (leverage) ratio | 8.6522% | 5,447 |
| Tier 1 risk-based capital ratio | 15.3609% | 3,534 |
| Total risk-based capital ratio | 16.6142% | 3,488 |
| Memoranda: | ||
| Average total assets | $24,431,000 | 7,029 |
| Average earning assets | $21,370,330 | 7,022 |
| Average equity | $2,299,000 | 7,054 |
| Average total loans | $12,465,670 | 6,902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 5,810 |
| Cost of funding earning assets | 0.5804% | 5,282 |
| Net interest margin | 3.4047% | 5,102 |
| Noninterest income to average assets | 1.4990% | 638 |
| Noninterest expense to average assets | 3.6044% | 1,549 |
| Loan and lease loss provision to assets | 0.2526% | 2,429 |
| Net operating income to assets | 0.6063% | 4,318 |
| Return on assets (ROA) | 0.6063% | 4,530 |
| Pretax return on assets | 0.6063% | 5,094 |
| Return on Equity (ROE) | 6.3478% | 4,118 |
| Retained earnings to average equity (ytd only) | 6.3478% | 2,773 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7547% | 2,111 |
| Assets per employee ($millions) | 3.3353% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 4,353 |
| Loan loss allowance to noncurrent loans | 376.5957% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 6,444 |
| Noncurrent loans to loans | 0.3862% | 5,904 |
| Net loans and leases to total assets | 44.9442% | 5,903 |
| Net loans and leases to deposits | 49.3600% | 6,188 |
| Net loans and leases to core deposits | 52.4218% | 6,170 |
| Total domestic deposits to total assets | 91.0539% | 531 |
| Equity capital to assets | 8.5826% | 6,007 |
| Core capital (leverage) ratio | 9.0285% | 4,790 |
| Tier 1 risk-based capital ratio | 16.6053% | 2,862 |
| Total risk-based capital ratio | 17.8526% | 2,821 |
| Memoranda: | ||
| Average total assets | $23,749,000 | 7,107 |
| Average earning assets | $20,677,000 | 7,099 |
| Average equity | $2,268,500 | 7,109 |
| Average total loans | $12,106,000 | 6,978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 5,253 |
| Cost of funding earning assets | 0.7488% | 5,217 |
| Net interest margin | 3.6994% | 4,295 |
| Noninterest income to average assets | 1.6761% | 498 |
| Noninterest expense to average assets | 4.2142% | 794 |
| Loan and lease loss provision to assets | 0.2873% | 3,363 |
| Net operating income to assets | 0.3333% | 5,136 |
| Return on assets (ROA) | 0.6609% | 3,870 |
| Pretax return on assets | 0.7327% | 4,216 |
| Return on Equity (ROE) | 6.3571% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.3571% | 1,827 |
| Net charge-offs to loans | 0.1271% | 5,124 |
| Credit loss provision to net charge-offs | 428.5714% | 530 |
| Earnings coverage of net charge-offs (x) | 9.7857% | 1,935 |
| Efficiency ratio | 86.5290% | 1,495 |
| Assets per employee ($millions) | 2.6020% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,685 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,945 |
| Noncurrent loans to loans | 0.0249% | 6,766 |
| Net loans and leases to total assets | 57.0763% | 4,532 |
| Net loans and leases to deposits | 64.4061% | 4,953 |
| Net loans and leases to core deposits | 69.7569% | 4,814 |
| Total domestic deposits to total assets | 88.6193% | 1,773 |
| Equity capital to assets | 10.7946% | 3,202 |
| Core capital (leverage) ratio | 8.8986% | 4,942 |
| Tier 1 risk-based capital ratio | 17.9693% | 2,195 |
| Total risk-based capital ratio | 19.1590% | 2,197 |
| Memoranda: | ||
| Average total assets | $20,881,800 | 7,188 |
| Average earning assets | $18,030,000 | 7,183 |
| Average equity | $2,170,800 | 7,187 |
| Average total loans | $11,014,400 | 7,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 5,952 |
| Cost of funding earning assets | 0.7771% | 5,295 |
| Net interest margin | 3.5228% | 5,095 |
| Noninterest income to average assets | 1.6205% | 505 |
| Noninterest expense to average assets | 4.2427% | 758 |
| Loan and lease loss provision to assets | 0.2871% | 3,219 |
| Net operating income to assets | 0.1276% | 5,897 |
| Return on assets (ROA) | 0.6125% | 4,218 |
| Pretax return on assets | 0.6125% | 4,765 |
| Return on Equity (ROE) | 5.9486% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.9486% | 2,587 |
| Net charge-offs to loans | 0.1736% | 4,413 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 4.6417% | 2,999 |
| Efficiency ratio | 91.0959% | 1,101 |
| Assets per employee ($millions) | 2.9246% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 5,711 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.9892% | 5,836 |
| Net loans and leases to deposits | 54.3919% | 6,181 |
| Net loans and leases to core deposits | 55.4846% | 6,350 |
| Total domestic deposits to total assets | 90.0671% | 830 |
| Equity capital to assets | 9.4841% | 5,114 |
| Core capital (leverage) ratio | 10.5271% | 2,838 |
| Tier 1 risk-based capital ratio | 18.1453% | 2,203 |
| Total risk-based capital ratio | 19.3496% | 2,180 |
| Memoranda: | ||
| Average total assets | $20,898,250 | 7,258 |
| Average earning assets | $18,015,250 | 7,257 |
| Average equity | $2,151,750 | 7,262 |
| Average total loans | $10,757,250 | 7,161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 5,396 |
| Cost of funding earning assets | 0.8252% | 5,215 |
| Net interest margin | 3.6612% | 4,464 |
| Noninterest income to average assets | 1.9237% | 384 |
| Noninterest expense to average assets | 4.4455% | 632 |
| Loan and lease loss provision to assets | 0.2990% | 3,011 |
| Net operating income to assets | 0.3190% | 5,293 |
| Return on assets (ROA) | 0.3190% | 5,426 |
| Pretax return on assets | 0.3190% | 5,626 |
| Return on Equity (ROE) | 3.0056% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.0056% | 4,365 |
| Net charge-offs to loans | 0.0382% | 5,316 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 897 |
| Efficiency ratio | 87.7953% | 1,434 |
| Assets per employee ($millions) | 2.5964% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,838 |
| Loan loss allowance to noncurrent loans | 103.5971% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 5,564 |
| Noncurrent loans to loans | 1.3017% | 4,467 |
| Net loans and leases to total assets | 50.7149% | 5,729 |
| Net loans and leases to deposits | 57.0361% | 6,049 |
| Net loans and leases to core deposits | 58.3472% | 6,248 |
| Total domestic deposits to total assets | 88.9172% | 1,583 |
| Equity capital to assets | 10.6735% | 3,310 |
| Core capital (leverage) ratio | 10.2072% | 3,024 |
| Tier 1 risk-based capital ratio | 18.6284% | 1,957 |
| Total risk-based capital ratio | 19.8770% | 1,922 |
| Memoranda: | ||
| Average total assets | $20,065,330 | 7,351 |
| Average earning assets | $17,207,330 | 7,345 |
| Average equity | $2,129,330 | 7,327 |
| Average total loans | $10,473,330 | 7,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 5,939 |
| Cost of funding earning assets | 0.8505% | 5,268 |
| Net interest margin | 3.4728% | 5,133 |
| Noninterest income to average assets | 1.7451% | 450 |
| Noninterest expense to average assets | 4.1598% | 854 |
| Loan and lease loss provision to assets | 0.3044% | 2,734 |
| Net operating income to assets | 0.2638% | 5,566 |
| Return on assets (ROA) | 0.2638% | 5,628 |
| Pretax return on assets | 0.2638% | 5,764 |
| Return on Equity (ROE) | 2.4934% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.4934% | 4,659 |
| Net charge-offs to loans | 0.0386% | 4,570 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 875 |
| Efficiency ratio | 87.9828% | 1,516 |
| Assets per employee ($millions) | 2.5659% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 5,304 |
| Loan loss allowance to noncurrent loans | 101.5625% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 5,713 |
| Noncurrent loans to loans | 1.2485% | 4,599 |
| Net loans and leases to total assets | 49.3107% | 5,927 |
| Net loans and leases to deposits | 55.1487% | 6,202 |
| Net loans and leases to core deposits | 56.4245% | 6,378 |
| Total domestic deposits to total assets | 89.4139% | 1,526 |
| Equity capital to assets | 10.2207% | 3,512 |
| Core capital (leverage) ratio | 10.0123% | 3,128 |
| Tier 1 risk-based capital ratio | 19.8437% | 1,616 |
| Total risk-based capital ratio | 21.0943% | 1,589 |
| Memoranda: | ||
| Average total assets | $19,712,500 | 7,415 |
| Average earning assets | $16,931,500 | 7,410 |
| Average equity | $2,085,500 | 7,382 |
| Average total loans | $10,371,000 | 7,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 6,586 |
| Cost of funding earning assets | 0.8316% | 6,436 |
| Net interest margin | 3.5857% | 4,888 |
| Noninterest income to average assets | 1.2374% | 983 |
| Noninterest expense to average assets | 4.9555% | 427 |
| Loan and lease loss provision to assets | 0.3315% | 4,166 |
| Net operating income to assets | -0.8111% | 6,584 |
| Return on assets (ROA) | -0.8111% | 6,611 |
| Pretax return on assets | -0.8585% | 6,551 |
| Return on Equity (ROE) | -6.3379% | 6,516 |
| Retained earnings to average equity (ytd only) | -6.3379% | 6,415 |
| Net charge-offs to loans | 0.2310% | 4,898 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | -4.2381% | 6,765 |
| Efficiency ratio | 111.8984% | 507 |
| Assets per employee ($millions) | 2.3623% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.8947% | 5,505 |
| Net loans and leases to deposits | 61.9787% | 5,848 |
| Net loans and leases to core deposits | 63.5389% | 6,098 |
| Total domestic deposits to total assets | 88.5702% | 1,910 |
| Equity capital to assets | 10.9694% | 2,715 |
| Core capital (leverage) ratio | 9.3365% | 3,951 |
| Tier 1 risk-based capital ratio | 19.9525% | 1,496 |
| Total risk-based capital ratio | 21.0995% | 1,489 |
| Memoranda: | ||
| Average total assets | $16,890,400 | 7,538 |
| Average earning assets | $15,032,000 | 7,524 |
| Average equity | $2,161,600 | 7,479 |
| Average total loans | $9,090,000 | 7,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 7,146 |
| Cost of funding earning assets | 0.8474% | 6,591 |
| Net interest margin | 3.3083% | 5,992 |
| Noninterest income to average assets | 1.0332% | 1,356 |
| Noninterest expense to average assets | 5.0766% | 356 |
| Loan and lease loss provision to assets | 0.3336% | 3,938 |
| Net operating income to assets | -1.3912% | 7,068 |
| Return on assets (ROA) | -1.3912% | 7,091 |
| Pretax return on assets | -1.3912% | 7,009 |
| Return on Equity (ROE) | -10.4403% | 6,949 |
| Retained earnings to average equity (ytd only) | -10.4403% | 6,902 |
| Net charge-offs to loans | 0.3051% | 4,143 |
| Credit loss provision to net charge-offs | 205.0000% | 1,728 |
| Earnings coverage of net charge-offs (x) | -6.4991% | 6,606 |
| Efficiency ratio | 126.3158% | 328 |
| Assets per employee ($millions) | 2.6811% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 6,863 |
| Loan loss allowance to noncurrent loans | 485.7143% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,112 |
| Noncurrent loans to loans | 0.1771% | 6,832 |
| Net loans and leases to total assets | 54.8137% | 5,728 |
| Net loans and leases to deposits | 60.9929% | 6,213 |
| Net loans and leases to core deposits | 65.9764% | 6,125 |
| Total domestic deposits to total assets | 89.8690% | 945 |
| Equity capital to assets | 9.7627% | 4,459 |
| Core capital (leverage) ratio | 11.8285% | 1,750 |
| Tier 1 risk-based capital ratio | 17.3358% | 2,232 |
| Total risk-based capital ratio | 18.2221% | 2,310 |
| Memoranda: | ||
| Average total assets | $16,388,500 | 7,636 |
| Average earning assets | $14,790,750 | 7,622 |
| Average equity | $2,183,750 | 7,572 |
| Average total loans | $8,740,000 | 7,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 6,692 |
| Cost of funding earning assets | 0.9445% | 6,402 |
| Net interest margin | 3.5646% | 4,974 |
| Noninterest income to average assets | 1.3060% | 746 |
| Noninterest expense to average assets | 5.7000% | 246 |
| Loan and lease loss provision to assets | 0.3537% | 3,597 |
| Net operating income to assets | -1.5644% | 7,173 |
| Return on assets (ROA) | -1.5644% | 7,183 |
| Pretax return on assets | -1.5644% | 7,100 |
| Return on Equity (ROE) | -10.3900% | 6,981 |
| Retained earnings to average equity (ytd only) | -10.3900% | 6,932 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.9697% | 340 |
| Assets per employee ($millions) | 2.0309% | 7,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,219 |
| Loan loss allowance to noncurrent loans | 509.5238% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 7,065 |
| Noncurrent loans to loans | 0.2441% | 6,746 |
| Net loans and leases to total assets | 52.2866% | 6,179 |
| Net loans and leases to deposits | 60.6180% | 6,354 |
| Net loans and leases to core deposits | 67.5923% | 6,093 |
| Total domestic deposits to total assets | 86.2559% | 2,942 |
| Equity capital to assets | 13.2763% | 1,446 |
| Core capital (leverage) ratio | 13.3925% | 1,094 |
| Tier 1 risk-based capital ratio | 20.0822% | 1,505 |
| Total risk-based capital ratio | 21.1294% | 1,500 |
| Memoranda: | ||
| Average total assets | $14,701,670 | 7,736 |
| Average earning assets | $13,129,000 | 7,725 |
| Average equity | $2,213,670 | 7,625 |
| Average total loans | $7,700,330 | 7,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 6,869 |
| Cost of funding earning assets | 0.9955% | 6,399 |
| Net interest margin | 3.4682% | 5,293 |
| Noninterest income to average assets | 1.0912% | 1,061 |
| Noninterest expense to average assets | 6.2316% | 196 |
| Loan and lease loss provision to assets | 0.3159% | 3,525 |
| Net operating income to assets | -2.3548% | 7,527 |
| Return on assets (ROA) | -2.3548% | 7,534 |
| Pretax return on assets | -2.3548% | 7,490 |
| Return on Equity (ROE) | -14.6298% | 7,304 |
| Retained earnings to average equity (ytd only) | -14.6298% | 7,196 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.6301% | 217 |
| Assets per employee ($millions) | 1.7623% | 7,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.4899% | 6,091 |
| Net loans and leases to deposits | 63.8635% | 6,062 |
| Net loans and leases to core deposits | 80.5490% | 4,698 |
| Total domestic deposits to total assets | 83.7566% | 4,257 |
| Equity capital to assets | 15.5838% | 752 |
| Core capital (leverage) ratio | 15.0018% | 750 |
| Tier 1 risk-based capital ratio | 23.1341% | 1,050 |
| Total risk-based capital ratio | 24.1544% | 1,064 |
| Memoranda: | ||
| Average total assets | $13,929,000 | 7,856 |
| Average earning assets | $12,456,000 | 7,839 |
| Average equity | $2,242,000 | 7,703 |
| Average total loans | $7,249,500 | 7,751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 7,522 |
| Cost of funding earning assets | 0.9864% | 7,232 |
| Net interest margin | 3.3623% | 5,517 |
| Noninterest income to average assets | 1.2916% | 899 |
| Noninterest expense to average assets | 8.0958% | 142 |
| Loan and lease loss provision to assets | 0.5054% | 3,850 |
| Net operating income to assets | -4.0586% | 7,614 |
| Return on assets (ROA) | -4.0151% | 7,604 |
| Pretax return on assets | -4.2959% | 7,597 |
| Return on Equity (ROE) | -17.2525% | 7,044 |
| Retained earnings to average equity (ytd only) | -17.2525% | 6,999 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.1099% | 164 |
| Assets per employee ($millions) | 1.5289% | 7,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 49.3096% | 6,701 |
| Net loans and leases to deposits | 59.6221% | 6,662 |
| Net loans and leases to core deposits | 99.2104% | 4,089 |
| Total domestic deposits to total assets | 82.7035% | 4,656 |
| Equity capital to assets | 16.6206% | 597 |
| Core capital (leverage) ratio | 16.9219% | 500 |
| Tier 1 risk-based capital ratio | 26.6946% | 715 |
| Total risk-based capital ratio | 27.6929% | 723 |
| Memoranda: | ||
| Average total assets | $10,684,600 | 7,960 |
| Average earning assets | $9,428,000 | 7,950 |
| Average equity | $2,486,600 | 7,735 |
| Average total loans | $4,902,600 | 7,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 7,623 |
| Cost of funding earning assets | 0.9626% | 7,460 |
| Net interest margin | 3.4224% | 5,174 |
| Noninterest income to average assets | 1.3446% | 844 |
| Noninterest expense to average assets | 8.9283% | 122 |
| Loan and lease loss provision to assets | 0.5244% | 3,287 |
| Net operating income to assets | -5.0961% | 7,852 |
| Return on assets (ROA) | -5.0289% | 7,845 |
| Pretax return on assets | -5.0289% | 7,815 |
| Return on Equity (ROE) | -19.6590% | 7,362 |
| Retained earnings to average equity (ytd only) | -19.6590% | 7,325 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.9383% | 140 |
| Assets per employee ($millions) | 1.4588% | 7,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 43.2935% | 7,295 |
| Net loans and leases to deposits | 53.1712% | 7,247 |
| Net loans and leases to core deposits | 81.1420% | 6,259 |
| Total domestic deposits to total assets | 81.4228% | 4,907 |
| Equity capital to assets | 17.9374% | 520 |
| Core capital (leverage) ratio | 20.0713% | 307 |
| Tier 1 risk-based capital ratio | 30.8822% | 523 |
| Total risk-based capital ratio | 31.7876% | 526 |
| Memoranda: | ||
| Average total assets | $9,915,750 | 8,052 |
| Average earning assets | $8,726,500 | 8,044 |
| Average equity | $2,536,500 | 7,796 |
| Average total loans | $4,411,750 | 7,984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 7,495 |
| Cost of funding earning assets | 0.9349% | 7,652 |
| Net interest margin | 3.6875% | 4,007 |
| Noninterest income to average assets | 1.4698% | 680 |
| Noninterest expense to average assets | 9.6555% | 118 |
| Loan and lease loss provision to assets | 0.5427% | 2,854 |
| Net operating income to assets | -5.5174% | 7,975 |
| Return on assets (ROA) | -5.4044% | 7,961 |
| Pretax return on assets | -5.4044% | 7,912 |
| Return on Equity (ROE) | -18.4059% | 7,463 |
| Retained earnings to average equity (ytd only) | -18.4059% | 7,404 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.2802% | 182 |
| Assets per employee ($millions) | 1.3481% | 8,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 46.3236% | 7,174 |
| Net loans and leases to deposits | 60.6605% | 6,842 |
| Net loans and leases to core deposits | 98.7742% | 4,621 |
| Total domestic deposits to total assets | 76.3653% | 6,474 |
| Equity capital to assets | 23.0969% | 247 |
| Core capital (leverage) ratio | 23.5631% | 239 |
| Tier 1 risk-based capital ratio | 39.6017% | 316 |
| Total risk-based capital ratio | 40.4481% | 315 |
| Memoranda: | ||
| Average total assets | $8,844,670 | 8,164 |
| Average earning assets | $7,701,670 | 8,152 |
| Average equity | $2,597,000 | 7,858 |
| Average total loans | $3,965,670 | 8,087 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 7,525 |
| Cost of funding earning assets | 0.6525% | 8,019 |
| Net interest margin | 4.0338% | 2,515 |
| Noninterest income to average assets | 1.5239% | 603 |
| Noninterest expense to average assets | 10.5658% | 104 |
| Loan and lease loss provision to assets | 0.4572% | 2,639 |
| Net operating income to assets | -6.0448% | 8,091 |
| Return on assets (ROA) | -5.7908% | 8,070 |
| Pretax return on assets | -5.7908% | 8,037 |
| Return on Equity (ROE) | -17.2075% | 7,685 |
| Retained earnings to average equity (ytd only) | -17.2075% | 7,545 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.2449% | 168 |
| Assets per employee ($millions) | 0.9193% | 8,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.0053% | 7,337 |
| Net loans and leases to deposits | 64.9483% | 6,468 |
| Net loans and leases to core deposits | 87.7772% | 5,763 |
| Total domestic deposits to total assets | 67.7544% | 7,610 |
| Equity capital to assets | 31.6050% | 130 |
| Core capital (leverage) ratio | 32.5681% | 130 |
| Tier 1 risk-based capital ratio | 52.8187% | 177 |
| Total risk-based capital ratio | 53.5759% | 180 |
| Memoranda: | ||
| Average total assets | $7,874,500 | 8,220 |
| Average earning assets | $6,743,000 | 8,212 |
| Average equity | $2,650,000 | 7,884 |
| Average total loans | $3,425,000 | 8,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 8,090 |
| Cost of funding earning assets | 0.7358% | 8,135 |
| Net interest margin | 3.3760% | 5,761 |
| Noninterest income to average assets | 0.8486% | 2,242 |
| Noninterest expense to average assets | 12.0846% | 110 |
| Loan and lease loss provision to assets | 0.4583% | 2,998 |
| Net operating income to assets | -8.0281% | 8,223 |
| Return on assets (ROA) | -8.0281% | 8,220 |
| Pretax return on assets | -9.0465% | 8,229 |
| Return on Equity (ROE) | -16.1997% | 7,635 |
| Retained earnings to average equity (ytd only) | -16.1997% | 7,527 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 345.6311% | 81 |
| Assets per employee ($millions) | 1.2458% | 8,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 6,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.0870% | 7,581 |
| Net loans and leases to deposits | 65.8434% | 6,658 |
| Net loans and leases to core deposits | 75.3713% | 6,891 |
| Total domestic deposits to total assets | 63.9197% | 7,801 |
| Equity capital to assets | 35.9197% | 119 |
| Core capital (leverage) ratio | 36.2319% | 128 |
| Tier 1 risk-based capital ratio | 61.5908% | 150 |
| Total risk-based capital ratio | 62.2243% | 151 |
| Memoranda: | ||
| Average total assets | $5,891,800 | 8,293 |
| Average earning assets | $4,620,800 | 8,283 |
| Average equity | $2,919,800 | 7,861 |
| Average total loans | $1,238,000 | 8,241 |