Home > Alamerica Bank > Performance and Condition Ratios
Alamerica Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4661% | 360 |
| Cost of funding earning assets | 1.1391% | 2,961 |
| Net interest margin | 5.3271% | 229 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 8.6941% | 128 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | -3.7449% | 4,587 |
| Return on assets (ROA) | -3.7449% | 4,583 |
| Pretax return on assets | -3.7449% | 4,582 |
| Return on Equity (ROE) | -17.8800% | 4,540 |
| Retained earnings to average equity (ytd only) | -17.8819% | 4,512 |
| Net charge-offs to loans | 1.0138% | 103 |
| Credit loss provision to net charge-offs | 59.5506% | 2,152 |
| Earnings coverage of net charge-offs (x) | -6.0787% | 4,546 |
| Efficiency ratio | 164.5585% | 30 |
| Assets per employee ($millions) | 2.1603% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,540 |
| Loan loss allowance to noncurrent loans | 31.2500% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 3.8421% | 42 |
| Noncurrent loans to loans | 3.6855% | 102 |
| Net loans and leases to total assets | 57.1100% | 3,114 |
| Net loans and leases to deposits | 70.6716% | 2,840 |
| Net loans and leases to core deposits | 73.7227% | 3,089 |
| Total domestic deposits to total assets | 80.8100% | 3,342 |
| Equity capital to assets | 17.6658% | 364 |
| Core capital (leverage) ratio | 20.4844% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8591% | 307 |
| Memoranda: | ||
| Average total assets | $15,861,400 | 4,538 |
| Average earning assets | $14,661,000 | 4,502 |
| Average equity | $3,321,800 | 4,405 |
| Average total loans | $8,779,000 | 4,424 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 474 |
| Cost of funding earning assets | 1.0883% | 2,776 |
| Net interest margin | 5.0044% | 306 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 8.7102% | 127 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | -3.9381% | 4,612 |
| Return on assets (ROA) | -3.9381% | 4,611 |
| Pretax return on assets | -3.9381% | 4,609 |
| Return on Equity (ROE) | -18.0200% | 4,568 |
| Retained earnings to average equity (ytd only) | -18.0186% | 4,547 |
| Net charge-offs to loans | 1.3997% | 62 |
| Credit loss provision to net charge-offs | 31.4607% | 1,964 |
| Earnings coverage of net charge-offs (x) | -4.8315% | 4,583 |
| Efficiency ratio | 173.7564% | 29 |
| Assets per employee ($millions) | 1.9275% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 3,635 |
| Loan loss allowance to noncurrent loans | 35.0195% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 3.2425% | 58 |
| Noncurrent loans to loans | 2.6530% | 179 |
| Net loans and leases to total assets | 62.2400% | 2,630 |
| Net loans and leases to deposits | 80.3634% | 2,013 |
| Net loans and leases to core deposits | 84.4360% | 2,299 |
| Total domestic deposits to total assets | 77.4400% | 3,884 |
| Equity capital to assets | 20.4475% | 275 |
| Core capital (leverage) ratio | 21.8830% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5596% | 274 |
| Memoranda: | ||
| Average total assets | $15,506,250 | 4,563 |
| Average earning assets | $14,333,750 | 4,532 |
| Average equity | $3,389,000 | 4,415 |
| Average total loans | $8,477,500 | 4,453 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9068% | 502 |
| Cost of funding earning assets | 1.0170% | 2,541 |
| Net interest margin | 4.8898% | 353 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 8.5871% | 125 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | -4.0167% | 4,641 |
| Return on assets (ROA) | -4.0167% | 4,641 |
| Pretax return on assets | -4.0167% | 4,639 |
| Return on Equity (ROE) | -17.9900% | 4,607 |
| Retained earnings to average equity (ytd only) | -17.9948% | 4,571 |
| Net charge-offs to loans | 2.2045% | 41 |
| Credit loss provision to net charge-offs | 31.4607% | 1,737 |
| Earnings coverage of net charge-offs (x) | -3.1910% | 4,621 |
| Efficiency ratio | 174.1514% | 29 |
| Assets per employee ($millions) | 1.7980% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,400 |
| Loan loss allowance to noncurrent loans | 34.8837% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 3.4830% | 49 |
| Noncurrent loans to loans | 2.8779% | 152 |
| Net loans and leases to total assets | 61.7000% | 2,608 |
| Net loans and leases to deposits | 83.4352% | 1,727 |
| Net loans and leases to core deposits | 88.1769% | 1,913 |
| Total domestic deposits to total assets | 73.9500% | 4,195 |
| Equity capital to assets | 23.0603% | 212 |
| Core capital (leverage) ratio | 22.7104% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2124% | 204 |
| Memoranda: | ||
| Average total assets | $15,535,000 | 4,592 |
| Average earning assets | $14,356,333 | 4,560 |
| Average equity | $3,467,667 | 4,439 |
| Average total loans | $8,074,333 | 4,491 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 772 |
| Cost of funding earning assets | 0.8848% | 2,421 |
| Net interest margin | 4.4778% | 605 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 8.3424% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -3.7988% | 4,663 |
| Return on assets (ROA) | -3.7988% | 4,661 |
| Pretax return on assets | -3.7988% | 4,657 |
| Return on Equity (ROE) | -17.2700% | 4,628 |
| Retained earnings to average equity (ytd only) | -17.2735% | 4,574 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 183.6066% | 28 |
| Assets per employee ($millions) | 2.3481% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 653 |
| Loan loss allowance to noncurrent loans | 43.1429% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 3.6077% | 31 |
| Noncurrent loans to loans | 4.1931% | 84 |
| Net loans and leases to total assets | 49.8600% | 3,504 |
| Net loans and leases to deposits | 66.5854% | 2,891 |
| Net loans and leases to core deposits | 69.8186% | 2,966 |
| Total domestic deposits to total assets | 74.8900% | 4,230 |
| Equity capital to assets | 21.1596% | 208 |
| Core capital (leverage) ratio | 23.3760% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7312% | 184 |
| Memoranda: | ||
| Average total assets | $16,110,500 | 4,650 |
| Average earning assets | $14,918,000 | 4,623 |
| Average equity | $3,543,000 | 4,495 |
| Average total loans | $7,629,000 | 4,560 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 1,565 |
| Cost of funding earning assets | 0.8981% | 256 |
| Net interest margin | 3.1611% | 2,981 |
| Noninterest income to average assets | 2.1800% | 219 |
| Noninterest expense to average assets | 8.8796% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -3.8000% | 4,704 |
| Return on assets (ROA) | -3.8000% | 4,703 |
| Pretax return on assets | -3.8000% | 4,700 |
| Return on Equity (ROE) | -21.0000% | 4,691 |
| Retained earnings to average equity (ytd only) | -20.9978% | 4,695 |
| Net charge-offs to loans | 0.4748% | 160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -17.2059% | 4,703 |
| Efficiency ratio | 174.8082% | 28 |
| Assets per employee ($millions) | 2.6307% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 314 |
| Loan loss allowance to noncurrent loans | 42.7762% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 3.7760% | 27 |
| Noncurrent loans to loans | 5.1078% | 52 |
| Net loans and leases to total assets | 42.8300% | 3,936 |
| Net loans and leases to deposits | 58.1056% | 3,450 |
| Net loans and leases to core deposits | 62.5694% | 3,356 |
| Total domestic deposits to total assets | 73.7100% | 4,369 |
| Equity capital to assets | 22.8586% | 175 |
| Core capital (leverage) ratio | 24.6217% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0243% | 143 |
| Memoranda: | ||
| Average total assets | $15,394,800 | 4,693 |
| Average earning assets | $14,140,600 | 4,662 |
| Average equity | $2,786,000 | 4,628 |
| Average total loans | $7,161,600 | 4,597 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 1,865 |
| Cost of funding earning assets | 0.8848% | 111 |
| Net interest margin | 2.8733% | 3,561 |
| Noninterest income to average assets | 2.8000% | 194 |
| Noninterest expense to average assets | 9.1777% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -3.7478% | 4,750 |
| Return on assets (ROA) | -3.7478% | 4,749 |
| Pretax return on assets | -3.7478% | 4,746 |
| Return on Equity (ROE) | -22.2200% | 4,729 |
| Retained earnings to average equity (ytd only) | -22.2174% | 4,732 |
| Net charge-offs to loans | 0.6275% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -12.6471% | 4,739 |
| Efficiency ratio | 169.0209% | 32 |
| Assets per employee ($millions) | 2.2207% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 355 |
| Loan loss allowance to noncurrent loans | 155.6701% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 111 |
| Noncurrent loans to loans | 1.4068% | 510 |
| Net loans and leases to total assets | 43.3800% | 3,914 |
| Net loans and leases to deposits | 58.1029% | 3,334 |
| Net loans and leases to core deposits | 62.5487% | 3,212 |
| Total domestic deposits to total assets | 74.6700% | 4,427 |
| Equity capital to assets | 24.0978% | 150 |
| Core capital (leverage) ratio | 28.3131% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2156% | 121 |
| Memoranda: | ||
| Average total assets | $15,297,500 | 4,730 |
| Average earning assets | $14,013,500 | 4,699 |
| Average equity | $2,580,500 | 4,680 |
| Average total loans | $7,224,250 | 4,632 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 1,704 |
| Cost of funding earning assets | 0.8964% | 63 |
| Net interest margin | 2.7471% | 3,582 |
| Noninterest income to average assets | 3.9303% | 120 |
| Noninterest expense to average assets | 9.4643% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -3.0365% | 4,748 |
| Return on assets (ROA) | -3.0365% | 4,746 |
| Pretax return on assets | -3.0365% | 4,743 |
| Return on Equity (ROE) | -21.0766% | 4,748 |
| Retained earnings to average equity (ytd only) | -21.0766% | 4,728 |
| Net charge-offs to loans | 1.5271% | 38 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -4.1250% | 2,123 |
| Efficiency ratio | 147.2393% | 45 |
| Assets per employee ($millions) | 2.0399% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 826 |
| Loan loss allowance to noncurrent loans | 220.6897% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 3.8238% | 31 |
| Noncurrent loans to loans | 0.8118% | 1,060 |
| Net loans and leases to total assets | 49.1421% | 3,458 |
| Net loans and leases to deposits | 57.5258% | 3,265 |
| Net loans and leases to core deposits | 63.8257% | 2,985 |
| Total domestic deposits to total assets | 85.4262% | 3,390 |
| Equity capital to assets | 14.0486% | 506 |
| Core capital (leverage) ratio | 14.5850% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5355% | 401 |
| Memoranda: | ||
| Average total assets | $15,215,000 | 4,762 |
| Average earning assets | $13,833,000 | 4,746 |
| Average equity | $2,192,000 | 4,733 |
| Average total loans | $7,334,000 | 4,694 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2907% | 2,412 |
| Cost of funding earning assets | 0.8719% | 63 |
| Net interest margin | 2.4188% | 4,035 |
| Noninterest income to average assets | 5.2031% | 102 |
| Noninterest expense to average assets | 9.3094% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.9129% | 4,762 |
| Return on assets (ROA) | -1.9129% | 4,763 |
| Pretax return on assets | -1.9129% | 4,760 |
| Return on Equity (ROE) | -13.1291% | 4,760 |
| Retained earnings to average equity (ytd only) | -13.1291% | 4,616 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8621% | 72 |
| Assets per employee ($millions) | 1.9163% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4026% | 320 |
| Loan loss allowance to noncurrent loans | 52.7066% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 5.4729% | 13 |
| Noncurrent loans to loans | 4.5584% | 75 |
| Net loans and leases to total assets | 49.0215% | 3,277 |
| Net loans and leases to deposits | 57.6171% | 3,111 |
| Net loans and leases to core deposits | 63.4552% | 2,840 |
| Total domestic deposits to total assets | 85.0815% | 3,527 |
| Equity capital to assets | 14.4031% | 464 |
| Core capital (leverage) ratio | 15.3073% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3599% | 410 |
| Memoranda: | ||
| Average total assets | $15,683,000 | 4,783 |
| Average earning assets | $14,222,000 | 4,768 |
| Average equity | $2,285,000 | 4,752 |
| Average total loans | $7,428,500 | 4,721 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 2,046 |
| Cost of funding earning assets | 1.1098% | 42 |
| Net interest margin | 2.6135% | 4,028 |
| Noninterest income to average assets | 7.0051% | 87 |
| Noninterest expense to average assets | 9.3570% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.4299% | 4,757 |
| Return on assets (ROA) | -0.4299% | 4,759 |
| Pretax return on assets | -0.0443% | 4,699 |
| Return on Equity (ROE) | -3.1681% | 4,754 |
| Retained earnings to average equity (ytd only) | -3.1681% | 4,663 |
| Net charge-offs to loans | -0.0378% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4752% | 143 |
| Assets per employee ($millions) | 2.0045% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 246 |
| Loan loss allowance to noncurrent loans | 26.9287% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 7.3273% | 10 |
| Noncurrent loans to loans | 9.5990% | 20 |
| Net loans and leases to total assets | 43.4772% | 3,871 |
| Net loans and leases to deposits | 51.5071% | 3,769 |
| Net loans and leases to core deposits | 56.4946% | 3,583 |
| Total domestic deposits to total assets | 84.4101% | 3,444 |
| Equity capital to assets | 14.7294% | 537 |
| Core capital (leverage) ratio | 15.5844% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2543% | 340 |
| Memoranda: | ||
| Average total assets | $15,817,000 | 4,827 |
| Average earning assets | $13,966,200 | 4,814 |
| Average equity | $2,146,400 | 4,807 |
| Average total loans | $7,928,600 | 4,755 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 1,969 |
| Cost of funding earning assets | 1.1720% | 39 |
| Net interest margin | 2.6515% | 4,056 |
| Noninterest income to average assets | 2.3262% | 269 |
| Noninterest expense to average assets | 9.5162% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -5.3713% | 4,903 |
| Return on assets (ROA) | -5.3713% | 4,903 |
| Pretax return on assets | -4.8554% | 4,903 |
| Return on Equity (ROE) | -40.4610% | 4,907 |
| Retained earnings to average equity (ytd only) | -40.4610% | 4,900 |
| Net charge-offs to loans | -0.0493% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.1742% | 22 |
| Assets per employee ($millions) | 2.2057% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 266 |
| Loan loss allowance to noncurrent loans | 26.7341% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 7.6425% | 10 |
| Noncurrent loans to loans | 9.5593% | 21 |
| Net loans and leases to total assets | 45.6865% | 3,817 |
| Net loans and leases to deposits | 52.1823% | 3,868 |
| Net loans and leases to core deposits | 57.2240% | 3,682 |
| Total domestic deposits to total assets | 87.5518% | 2,084 |
| Equity capital to assets | 11.7228% | 1,535 |
| Core capital (leverage) ratio | 11.8177% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3438% | 767 |
| Memoranda: | ||
| Average total assets | $15,762,250 | 4,901 |
| Average earning assets | $13,878,750 | 4,888 |
| Average equity | $2,092,500 | 4,882 |
| Average total loans | $8,121,500 | 4,821 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 1,982 |
| Cost of funding earning assets | 1.2163% | 41 |
| Net interest margin | 2.6186% | 4,133 |
| Noninterest income to average assets | 1.5627% | 510 |
| Noninterest expense to average assets | 9.4520% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -6.3517% | 4,941 |
| Return on assets (ROA) | -6.3517% | 4,940 |
| Pretax return on assets | -5.5830% | 4,939 |
| Return on Equity (ROE) | -46.0976% | 4,942 |
| Retained earnings to average equity (ytd only) | -46.0976% | 4,936 |
| Net charge-offs to loans | -0.0713% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.2997% | 15 |
| Assets per employee ($millions) | 1.8888% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 381 |
| Loan loss allowance to noncurrent loans | 31.8966% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 7.0682% | 15 |
| Noncurrent loans to loans | 7.1490% | 37 |
| Net loans and leases to total assets | 52.4686% | 3,297 |
| Net loans and leases to deposits | 60.6905% | 3,327 |
| Net loans and leases to core deposits | 66.7452% | 3,049 |
| Total domestic deposits to total assets | 86.4527% | 2,573 |
| Equity capital to assets | 12.8524% | 996 |
| Core capital (leverage) ratio | 12.3403% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3383% | 777 |
| Memoranda: | ||
| Average total assets | $15,869,667 | 4,936 |
| Average earning assets | $13,977,000 | 4,922 |
| Average equity | $2,186,667 | 4,913 |
| Average total loans | $8,415,667 | 4,855 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 2,061 |
| Cost of funding earning assets | 1.2527% | 45 |
| Net interest margin | 2.5611% | 4,220 |
| Noninterest income to average assets | 0.4677% | 2,767 |
| Noninterest expense to average assets | 9.1572% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -6.4248% | 4,969 |
| Return on assets (ROA) | -6.4248% | 4,969 |
| Pretax return on assets | -6.4248% | 4,969 |
| Return on Equity (ROE) | -45.2144% | 4,972 |
| Retained earnings to average equity (ytd only) | -45.2144% | 4,961 |
| Net charge-offs to loans | -0.0934% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 335.1351% | 9 |
| Assets per employee ($millions) | 2.0191% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3081% | 359 |
| Loan loss allowance to noncurrent loans | 31.2925% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 6.6613% | 18 |
| Noncurrent loans to loans | 7.3758% | 41 |
| Net loans and leases to total assets | 48.2140% | 3,794 |
| Net loans and leases to deposits | 56.0853% | 3,782 |
| Net loans and leases to core deposits | 60.1204% | 3,691 |
| Total domestic deposits to total assets | 85.9655% | 2,747 |
| Equity capital to assets | 13.4526% | 795 |
| Core capital (leverage) ratio | 13.0670% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7892% | 603 |
| Memoranda: | ||
| Average total assets | $16,249,500 | 4,961 |
| Average earning assets | $14,369,000 | 4,948 |
| Average equity | $2,309,000 | 4,932 |
| Average total loans | $8,567,000 | 4,876 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 857 |
| Cost of funding earning assets | 1.4488% | 103 |
| Net interest margin | 3.2731% | 3,151 |
| Noninterest income to average assets | 1.8285% | 381 |
| Noninterest expense to average assets | 10.0625% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -5.4799% | 4,993 |
| Return on assets (ROA) | -5.4799% | 4,993 |
| Pretax return on assets | -5.4799% | 4,992 |
| Return on Equity (ROE) | -35.6592% | 4,993 |
| Retained earnings to average equity (ytd only) | -35.6592% | 4,982 |
| Net charge-offs to loans | -0.1323% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.5813% | 15 |
| Assets per employee ($millions) | 2.0433% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 606 |
| Loan loss allowance to noncurrent loans | 30.5882% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 7.4452% | 14 |
| Noncurrent loans to loans | 6.4942% | 47 |
| Net loans and leases to total assets | 54.9370% | 3,396 |
| Net loans and leases to deposits | 65.0677% | 3,353 |
| Net loans and leases to core deposits | 69.7638% | 3,269 |
| Total domestic deposits to total assets | 84.4304% | 2,977 |
| Equity capital to assets | 14.9578% | 582 |
| Core capital (leverage) ratio | 15.1302% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5454% | 472 |
| Memoranda: | ||
| Average total assets | $17,719,200 | 4,968 |
| Average earning assets | $14,909,400 | 4,968 |
| Average equity | $2,723,000 | 4,923 |
| Average total loans | $10,586,000 | 4,884 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 1,501 |
| Cost of funding earning assets | 1.5082% | 119 |
| Net interest margin | 3.0253% | 3,915 |
| Noninterest income to average assets | -1.7716% | 5,032 |
| Noninterest expense to average assets | 10.1571% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -9.4115% | 5,029 |
| Return on assets (ROA) | -9.4115% | 5,029 |
| Pretax return on assets | -9.4115% | 5,029 |
| Return on Equity (ROE) | -60.8758% | 5,026 |
| Retained earnings to average equity (ytd only) | -60.8758% | 5,019 |
| Net charge-offs to loans | -0.1340% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,362.3762% | 2 |
| Assets per employee ($millions) | 2.1950% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 821 |
| Loan loss allowance to noncurrent loans | 22.1809% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 9.5086% | 13 |
| Noncurrent loans to loans | 7.8502% | 46 |
| Net loans and leases to total assets | 65.7403% | 2,549 |
| Net loans and leases to deposits | 77.2484% | 2,627 |
| Net loans and leases to core deposits | 83.1358% | 2,569 |
| Total domestic deposits to total assets | 85.1025% | 2,396 |
| Equity capital to assets | 13.9278% | 877 |
| Core capital (leverage) ratio | 12.8850% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4486% | 847 |
| Memoranda: | ||
| Average total assets | $18,062,500 | 4,996 |
| Average earning assets | $15,028,250 | 4,996 |
| Average equity | $2,792,500 | 4,949 |
| Average total loans | $10,942,000 | 4,912 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,638 |
| Cost of funding earning assets | 1.5314% | 148 |
| Net interest margin | 3.0756% | 3,955 |
| Noninterest income to average assets | -2.6158% | 5,066 |
| Noninterest expense to average assets | 9.0182% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -9.1131% | 5,058 |
| Return on assets (ROA) | -9.1131% | 5,058 |
| Pretax return on assets | -9.1131% | 5,058 |
| Return on Equity (ROE) | -57.4086% | 5,059 |
| Retained earnings to average equity (ytd only) | -57.4086% | 5,052 |
| Net charge-offs to loans | -0.1254% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -9,500.0000% | 5,065 |
| Assets per employee ($millions) | 2.6270% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 854 |
| Loan loss allowance to noncurrent loans | 23.5849% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 8.8096% | 20 |
| Noncurrent loans to loans | 7.1161% | 60 |
| Net loans and leases to total assets | 55.7507% | 3,711 |
| Net loans and leases to deposits | 65.3285% | 3,775 |
| Net loans and leases to core deposits | 69.4063% | 3,747 |
| Total domestic deposits to total assets | 85.3391% | 2,259 |
| Equity capital to assets | 13.8779% | 881 |
| Core capital (leverage) ratio | 13.3087% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8537% | 689 |
| Memoranda: | ||
| Average total assets | $18,961,667 | 5,021 |
| Average earning assets | $15,541,667 | 5,025 |
| Average equity | $3,010,000 | 4,967 |
| Average total loans | $11,162,667 | 4,939 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 2,295 |
| Cost of funding earning assets | 1.5192% | 246 |
| Net interest margin | 2.9886% | 4,299 |
| Noninterest income to average assets | -1.2261% | 5,103 |
| Noninterest expense to average assets | 8.6035% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -7.3358% | 5,101 |
| Return on assets (ROA) | -7.3358% | 5,099 |
| Pretax return on assets | -7.3358% | 5,094 |
| Return on Equity (ROE) | -43.5937% | 5,097 |
| Retained earnings to average equity (ytd only) | -43.5937% | 5,076 |
| Net charge-offs to loans | -0.1388% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 678.6885% | 6 |
| Assets per employee ($millions) | 2.7017% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,186 |
| Loan loss allowance to noncurrent loans | 22.8723% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 11.6328% | 13 |
| Noncurrent loans to loans | 6.7858% | 62 |
| Net loans and leases to total assets | 57.6882% | 3,698 |
| Net loans and leases to deposits | 69.3535% | 3,641 |
| Net loans and leases to core deposits | 73.6466% | 3,659 |
| Total domestic deposits to total assets | 83.1800% | 3,047 |
| Equity capital to assets | 16.2014% | 545 |
| Core capital (leverage) ratio | 14.7019% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6391% | 682 |
| Memoranda: | ||
| Average total assets | $19,248,000 | 5,066 |
| Average earning assets | $16,061,000 | 5,067 |
| Average equity | $3,239,000 | 5,006 |
| Average total loans | $11,530,500 | 4,971 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 1,169 |
| Cost of funding earning assets | 1.4613% | 446 |
| Net interest margin | 3.6618% | 2,920 |
| Noninterest income to average assets | -1.2964% | 5,173 |
| Noninterest expense to average assets | 7.0184% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -5.3349% | 5,165 |
| Return on assets (ROA) | -5.3349% | 5,165 |
| Pretax return on assets | -5.3349% | 5,165 |
| Return on Equity (ROE) | -28.1385% | 5,162 |
| Retained earnings to average equity (ytd only) | -28.1385% | 5,155 |
| Net charge-offs to loans | 1.3188% | 113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -6.6901% | 3,687 |
| Efficiency ratio | 416.8975% | 12 |
| Assets per employee ($millions) | 2.7977% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,514 |
| Loan loss allowance to noncurrent loans | 22.0762% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 16.2071% | 4 |
| Noncurrent loans to loans | 6.3528% | 59 |
| Net loans and leases to total assets | 60.3094% | 3,554 |
| Net loans and leases to deposits | 75.4166% | 3,229 |
| Net loans and leases to core deposits | 81.4664% | 3,183 |
| Total domestic deposits to total assets | 79.9683% | 3,985 |
| Equity capital to assets | 17.4326% | 419 |
| Core capital (leverage) ratio | 15.5603% | 584 |
| Tier 1 risk-based capital ratio | 20.2295% | 1,293 |
| Total risk-based capital ratio | 21.3067% | 1,292 |
| Memoranda: | ||
| Average total assets | $21,443,600 | 5,106 |
| Average earning assets | $17,450,400 | 5,112 |
| Average equity | $4,065,600 | 4,987 |
| Average total loans | $12,966,000 | 5,006 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 1,022 |
| Cost of funding earning assets | 1.4228% | 533 |
| Net interest margin | 3.7891% | 2,631 |
| Noninterest income to average assets | -0.6877% | 5,246 |
| Noninterest expense to average assets | 6.8647% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -4.4731% | 5,241 |
| Return on assets (ROA) | -4.4731% | 5,241 |
| Pretax return on assets | -4.4731% | 5,241 |
| Return on Equity (ROE) | -23.1756% | 5,232 |
| Retained earnings to average equity (ytd only) | -23.1756% | 5,218 |
| Net charge-offs to loans | 1.7861% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -4.1526% | 3,414 |
| Efficiency ratio | 287.0229% | 12 |
| Assets per employee ($millions) | 2.5923% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 1,792 |
| Loan loss allowance to noncurrent loans | 21.0390% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 16.5590% | 6 |
| Noncurrent loans to loans | 6.3784% | 64 |
| Net loans and leases to total assets | 57.4308% | 3,928 |
| Net loans and leases to deposits | 74.7036% | 3,416 |
| Net loans and leases to core deposits | 80.5546% | 3,349 |
| Total domestic deposits to total assets | 76.8782% | 4,532 |
| Equity capital to assets | 18.4299% | 355 |
| Core capital (leverage) ratio | 17.2134% | 409 |
| Tier 1 risk-based capital ratio | 21.8535% | 1,088 |
| Total risk-based capital ratio | 22.8472% | 1,100 |
| Memoranda: | ||
| Average total assets | $21,908,500 | 5,179 |
| Average earning assets | $17,805,250 | 5,186 |
| Average equity | $4,228,500 | 5,037 |
| Average total loans | $13,212,750 | 5,076 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 901 |
| Cost of funding earning assets | 1.3699% | 596 |
| Net interest margin | 3.8778% | 2,314 |
| Noninterest income to average assets | 0.2242% | 4,404 |
| Noninterest expense to average assets | 6.7986% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -3.4262% | 5,279 |
| Return on assets (ROA) | -3.4262% | 5,279 |
| Pretax return on assets | -3.4262% | 5,277 |
| Return on Equity (ROE) | -17.5069% | 5,273 |
| Retained earnings to average equity (ytd only) | -17.5069% | 5,240 |
| Net charge-offs to loans | 2.6484% | 38 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -2.1222% | 3,129 |
| Efficiency ratio | 201.5957% | 21 |
| Assets per employee ($millions) | 2.6280% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,352 |
| Loan loss allowance to noncurrent loans | 20.2564% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 17.1376% | 5 |
| Noncurrent loans to loans | 6.0838% | 64 |
| Net loans and leases to total assets | 60.2312% | 3,711 |
| Net loans and leases to deposits | 81.6441% | 2,770 |
| Net loans and leases to core deposits | 86.7032% | 2,906 |
| Total domestic deposits to total assets | 73.7728% | 4,849 |
| Equity capital to assets | 19.8583% | 250 |
| Core capital (leverage) ratio | 19.2518% | 263 |
| Tier 1 risk-based capital ratio | 24.7848% | 770 |
| Total risk-based capital ratio | 25.7360% | 789 |
| Memoranda: | ||
| Average total assets | $22,298,670 | 5,221 |
| Average earning assets | $18,103,000 | 5,230 |
| Average equity | $4,364,000 | 5,061 |
| Average total loans | $13,593,000 | 5,113 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 958 |
| Cost of funding earning assets | 1.2712% | 726 |
| Net interest margin | 3.8999% | 2,188 |
| Noninterest income to average assets | 0.2267% | 4,386 |
| Noninterest expense to average assets | 6.6097% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.2264% | 5,334 |
| Return on assets (ROA) | -3.2264% | 5,333 |
| Pretax return on assets | -3.2264% | 5,332 |
| Return on Equity (ROE) | -16.5975% | 5,327 |
| Retained earnings to average equity (ytd only) | -16.5975% | 5,226 |
| Net charge-offs to loans | 4.9503% | 16 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -1.0694% | 2,693 |
| Efficiency ratio | 195.3608% | 26 |
| Assets per employee ($millions) | 2.7491% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,179 |
| Loan loss allowance to noncurrent loans | 14.3842% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 18.2740% | 4 |
| Noncurrent loans to loans | 8.9041% | 32 |
| Net loans and leases to total assets | 58.5277% | 3,830 |
| Net loans and leases to deposits | 79.0033% | 2,947 |
| Net loans and leases to core deposits | 87.7916% | 2,710 |
| Total domestic deposits to total assets | 74.0827% | 4,928 |
| Equity capital to assets | 19.8563% | 241 |
| Core capital (leverage) ratio | 19.1859% | 269 |
| Tier 1 risk-based capital ratio | 25.6741% | 709 |
| Total risk-based capital ratio | 26.6683% | 709 |
| Memoranda: | ||
| Average total assets | $22,936,000 | 5,273 |
| Average earning assets | $18,564,500 | 5,283 |
| Average equity | $4,458,500 | 5,093 |
| Average total loans | $13,979,000 | 5,165 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 637 |
| Cost of funding earning assets | 1.2380% | 293 |
| Net interest margin | 4.0104% | 1,952 |
| Noninterest income to average assets | -2.6815% | 5,404 |
| Noninterest expense to average assets | 5.3828% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -4.7668% | 5,393 |
| Return on assets (ROA) | -4.7668% | 5,392 |
| Pretax return on assets | -4.7668% | 5,391 |
| Return on Equity (ROE) | -27.3246% | 5,387 |
| Retained earnings to average equity (ytd only) | -27.3246% | 5,384 |
| Net charge-offs to loans | 0.2504% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -27.8269% | 3,767 |
| Efficiency ratio | 873.7968% | 2 |
| Assets per employee ($millions) | 2.9849% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 290 |
| Loan loss allowance to noncurrent loans | 25.2045% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 17.7101% | 4 |
| Noncurrent loans to loans | 9.0153% | 33 |
| Net loans and leases to total assets | 61.0578% | 3,659 |
| Net loans and leases to deposits | 83.3286% | 2,589 |
| Net loans and leases to core deposits | 89.1798% | 2,633 |
| Total domestic deposits to total assets | 73.2736% | 4,990 |
| Equity capital to assets | 19.0544% | 270 |
| Core capital (leverage) ratio | 17.5669% | 363 |
| Tier 1 risk-based capital ratio | 23.7449% | 842 |
| Total risk-based capital ratio | 25.0013% | 827 |
| Memoranda: | ||
| Average total assets | $30,356,000 | 5,235 |
| Average earning assets | $24,959,800 | 5,266 |
| Average equity | $5,295,600 | 5,005 |
| Average total loans | $20,764,400 | 5,058 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 554 |
| Cost of funding earning assets | 1.2128% | 238 |
| Net interest margin | 4.0511% | 1,788 |
| Noninterest income to average assets | -3.2274% | 5,475 |
| Noninterest expense to average assets | 4.9078% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -4.7786% | 5,466 |
| Return on assets (ROA) | -4.7786% | 5,466 |
| Pretax return on assets | -4.7786% | 5,466 |
| Return on Equity (ROE) | -27.8723% | 5,460 |
| Retained earnings to average equity (ytd only) | -27.8723% | 5,453 |
| Net charge-offs to loans | -0.2100% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,796.7742% | 1 |
| Assets per employee ($millions) | 3.3903% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5573% | 222 |
| Loan loss allowance to noncurrent loans | 30.0635% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 16.0644% | 4 |
| Noncurrent loans to loans | 8.5064% | 44 |
| Net loans and leases to total assets | 59.8481% | 3,860 |
| Net loans and leases to deposits | 88.8208% | 2,048 |
| Net loans and leases to core deposits | 93.3893% | 2,362 |
| Total domestic deposits to total assets | 67.3807% | 5,298 |
| Equity capital to assets | 17.8711% | 346 |
| Core capital (leverage) ratio | 17.1760% | 399 |
| Tier 1 risk-based capital ratio | 23.7565% | 863 |
| Total risk-based capital ratio | 25.0136% | 847 |
| Memoranda: | ||
| Average total assets | $31,975,250 | 5,286 |
| Average earning assets | $26,494,500 | 5,311 |
| Average equity | $5,482,000 | 5,033 |
| Average total loans | $22,225,750 | 5,084 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4577% | 347 |
| Cost of funding earning assets | 1.2016% | 183 |
| Net interest margin | 4.2561% | 1,141 |
| Noninterest income to average assets | -4.0306% | 5,541 |
| Noninterest expense to average assets | 4.7986% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -5.3285% | 5,534 |
| Return on assets (ROA) | -5.3285% | 5,533 |
| Pretax return on assets | -5.3285% | 5,531 |
| Return on Equity (ROE) | -31.4384% | 5,524 |
| Retained earnings to average equity (ytd only) | -31.4384% | 5,516 |
| Net charge-offs to loans | -0.2575% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -905.6180% | 5,542 |
| Assets per employee ($millions) | 3.8169% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 357 |
| Loan loss allowance to noncurrent loans | 34.4490% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 17.8287% | 6 |
| Noncurrent loans to loans | 6.4582% | 76 |
| Net loans and leases to total assets | 60.7369% | 3,736 |
| Net loans and leases to deposits | 96.7449% | 1,065 |
| Net loans and leases to core deposits | 106.4699% | 1,208 |
| Total domestic deposits to total assets | 62.7804% | 5,422 |
| Equity capital to assets | 16.6989% | 429 |
| Core capital (leverage) ratio | 15.2732% | 620 |
| Tier 1 risk-based capital ratio | 21.2531% | 1,132 |
| Total risk-based capital ratio | 22.5069% | 1,115 |
| Memoranda: | ||
| Average total assets | $33,593,000 | 5,328 |
| Average earning assets | $27,630,670 | 5,364 |
| Average equity | $5,693,670 | 5,052 |
| Average total loans | $24,081,670 | 5,086 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4541% | 301 |
| Cost of funding earning assets | 1.1265% | 197 |
| Net interest margin | 4.3276% | 909 |
| Noninterest income to average assets | 0.6492% | 2,034 |
| Noninterest expense to average assets | 4.3847% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1481% | 5,434 |
| Return on assets (ROA) | -0.1481% | 5,430 |
| Pretax return on assets | -0.1481% | 5,427 |
| Return on Equity (ROE) | -0.8680% | 5,416 |
| Retained earnings to average equity (ytd only) | -0.8680% | 4,903 |
| Net charge-offs to loans | -0.4204% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4946% | 143 |
| Assets per employee ($millions) | 4.3645% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,270 |
| Loan loss allowance to noncurrent loans | 33.9546% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 17.9746% | 6 |
| Noncurrent loans to loans | 4.5780% | 184 |
| Net loans and leases to total assets | 75.9995% | 1,544 |
| Net loans and leases to deposits | 120.8324% | 107 |
| Net loans and leases to core deposits | 131.2494% | 317 |
| Total domestic deposits to total assets | 62.8967% | 5,497 |
| Equity capital to assets | 17.1325% | 390 |
| Core capital (leverage) ratio | 16.5986% | 422 |
| Tier 1 risk-based capital ratio | 18.6108% | 1,663 |
| Total risk-based capital ratio | 19.8626% | 1,626 |
| Memoranda: | ||
| Average total assets | $35,122,000 | 5,361 |
| Average earning assets | $29,115,500 | 5,396 |
| Average equity | $5,991,000 | 5,059 |
| Average total loans | $26,638,500 | 5,059 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5917% | 232 |
| Cost of funding earning assets | 1.0662% | 153 |
| Net interest margin | 4.5255% | 579 |
| Noninterest income to average assets | 1.0730% | 888 |
| Noninterest expense to average assets | 4.2921% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4314% | 4,581 |
| Return on assets (ROA) | 0.4314% | 4,609 |
| Pretax return on assets | 0.4314% | 5,042 |
| Return on Equity (ROE) | 2.6343% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.6343% | 3,744 |
| Net charge-offs to loans | 0.1885% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.0588% | 3,654 |
| Efficiency ratio | 90.8665% | 387 |
| Assets per employee ($millions) | 4.4160% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,455 |
| Loan loss allowance to noncurrent loans | 31.3553% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 17.8046% | 5 |
| Noncurrent loans to loans | 4.7375% | 157 |
| Net loans and leases to total assets | 73.4007% | 2,023 |
| Net loans and leases to deposits | 116.0431% | 151 |
| Net loans and leases to core deposits | 125.8298% | 441 |
| Total domestic deposits to total assets | 63.2529% | 5,558 |
| Equity capital to assets | 16.9837% | 401 |
| Core capital (leverage) ratio | 16.7145% | 390 |
| Tier 1 risk-based capital ratio | 18.8796% | 1,533 |
| Total risk-based capital ratio | 20.1213% | 1,502 |
| Memoranda: | ||
| Average total assets | $36,159,400 | 5,391 |
| Average earning assets | $29,168,200 | 5,453 |
| Average equity | $5,921,800 | 5,110 |
| Average total loans | $27,053,200 | 5,093 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6424% | 208 |
| Cost of funding earning assets | 1.0433% | 152 |
| Net interest margin | 4.5990% | 486 |
| Noninterest income to average assets | 1.0595% | 910 |
| Noninterest expense to average assets | 4.3408% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4033% | 4,992 |
| Return on assets (ROA) | 0.4033% | 5,023 |
| Pretax return on assets | 0.4033% | 5,183 |
| Return on Equity (ROE) | 2.4848% | 5,229 |
| Retained earnings to average equity (ytd only) | 2.4848% | 4,405 |
| Net charge-offs to loans | -0.1616% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4992% | 355 |
| Assets per employee ($millions) | 4.3961% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 837 |
| Loan loss allowance to noncurrent loans | 31.4570% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 18.4566% | 5 |
| Noncurrent loans to loans | 5.7587% | 113 |
| Net loans and leases to total assets | 73.2065% | 2,059 |
| Net loans and leases to deposits | 112.2123% | 212 |
| Net loans and leases to core deposits | 121.3747% | 543 |
| Total domestic deposits to total assets | 65.2393% | 5,606 |
| Equity capital to assets | 16.9439% | 435 |
| Core capital (leverage) ratio | 16.1097% | 481 |
| Tier 1 risk-based capital ratio | 19.0581% | 1,567 |
| Total risk-based capital ratio | 20.3114% | 1,531 |
| Memoranda: | ||
| Average total assets | $36,367,250 | 5,448 |
| Average earning assets | $29,136,000 | 5,510 |
| Average equity | $5,902,250 | 5,169 |
| Average total loans | $27,236,000 | 5,146 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 218 |
| Cost of funding earning assets | 0.9890% | 185 |
| Net interest margin | 4.5973% | 479 |
| Noninterest income to average assets | 1.0335% | 953 |
| Noninterest expense to average assets | 4.3790% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3209% | 5,171 |
| Return on assets (ROA) | 0.3209% | 5,191 |
| Pretax return on assets | 0.3209% | 5,310 |
| Return on Equity (ROE) | 2.0057% | 5,346 |
| Retained earnings to average equity (ytd only) | 2.0057% | 4,455 |
| Net charge-offs to loans | -0.2248% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1713% | 326 |
| Assets per employee ($millions) | 4.5458% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 1,012 |
| Loan loss allowance to noncurrent loans | 23.7569% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 18.8665% | 5 |
| Noncurrent loans to loans | 7.2601% | 62 |
| Net loans and leases to total assets | 74.1104% | 1,843 |
| Net loans and leases to deposits | 109.9906% | 262 |
| Net loans and leases to core deposits | 125.1672% | 410 |
| Total domestic deposits to total assets | 67.3789% | 5,610 |
| Equity capital to assets | 16.2542% | 504 |
| Core capital (leverage) ratio | 16.1785% | 454 |
| Tier 1 risk-based capital ratio | 18.0161% | 1,851 |
| Total risk-based capital ratio | 19.2726% | 1,805 |
| Memoranda: | ||
| Average total assets | $36,766,670 | 5,487 |
| Average earning assets | $29,321,330 | 5,554 |
| Average equity | $5,883,330 | 5,205 |
| Average total loans | $27,574,330 | 5,176 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 215 |
| Cost of funding earning assets | 0.9563% | 209 |
| Net interest margin | 4.5795% | 453 |
| Noninterest income to average assets | 1.2227% | 688 |
| Noninterest expense to average assets | 4.5121% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3895% | 4,971 |
| Return on assets (ROA) | 0.3895% | 5,000 |
| Pretax return on assets | 0.3895% | 5,177 |
| Return on Equity (ROE) | 2.4534% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.4534% | 4,162 |
| Net charge-offs to loans | -0.0145% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0530% | 450 |
| Assets per employee ($millions) | 4.4471% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,394 |
| Loan loss allowance to noncurrent loans | 28.2526% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 17.9245% | 6 |
| Noncurrent loans to loans | 5.6468% | 127 |
| Net loans and leases to total assets | 76.8052% | 1,290 |
| Net loans and leases to deposits | 102.1075% | 497 |
| Net loans and leases to core deposits | 114.8399% | 638 |
| Total domestic deposits to total assets | 75.2199% | 5,318 |
| Equity capital to assets | 16.5472% | 426 |
| Core capital (leverage) ratio | 15.9564% | 469 |
| Tier 1 risk-based capital ratio | 18.0954% | 1,839 |
| Total risk-based capital ratio | 19.3471% | 1,802 |
| Memoranda: | ||
| Average total assets | $36,967,000 | 5,543 |
| Average earning assets | $29,697,500 | 5,613 |
| Average equity | $5,869,500 | 5,254 |
| Average total loans | $27,649,500 | 5,224 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 177 |
| Cost of funding earning assets | 1.0491% | 133 |
| Net interest margin | 4.6905% | 429 |
| Noninterest income to average assets | 1.5015% | 528 |
| Noninterest expense to average assets | 4.2677% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8580% | 3,038 |
| Return on assets (ROA) | 0.8580% | 3,146 |
| Pretax return on assets | 0.8580% | 3,984 |
| Return on Equity (ROE) | 5.4143% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.4143% | 2,068 |
| Net charge-offs to loans | 0.1627% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.5122% | 3,009 |
| Efficiency ratio | 83.2609% | 1,078 |
| Assets per employee ($millions) | 4.7946% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 1,359 |
| Loan loss allowance to noncurrent loans | 27.9924% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 16.7453% | 11 |
| Noncurrent loans to loans | 5.7354% | 116 |
| Net loans and leases to total assets | 70.6234% | 2,390 |
| Net loans and leases to deposits | 88.3126% | 1,884 |
| Net loans and leases to core deposits | 97.7166% | 1,784 |
| Total domestic deposits to total assets | 79.9698% | 4,582 |
| Equity capital to assets | 15.2567% | 604 |
| Core capital (leverage) ratio | 15.6935% | 501 |
| Tier 1 risk-based capital ratio | 18.0388% | 1,836 |
| Total risk-based capital ratio | 19.2914% | 1,796 |
| Memoranda: | ||
| Average total assets | $35,897,800 | 5,622 |
| Average earning assets | $27,736,800 | 5,693 |
| Average equity | $5,688,600 | 5,334 |
| Average total loans | $25,192,600 | 5,344 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8528% | 149 |
| Cost of funding earning assets | 1.0650% | 117 |
| Net interest margin | 4.7877% | 372 |
| Noninterest income to average assets | 1.2810% | 711 |
| Noninterest expense to average assets | 4.4062% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5442% | 4,515 |
| Return on assets (ROA) | 0.5442% | 4,627 |
| Pretax return on assets | 0.5442% | 5,024 |
| Return on Equity (ROE) | 3.3996% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.3996% | 3,861 |
| Net charge-offs to loans | 0.2384% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.2725% | 3,445 |
| Efficiency ratio | 89.0076% | 615 |
| Assets per employee ($millions) | 4.5333% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 1,283 |
| Loan loss allowance to noncurrent loans | 27.5408% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 17.9397% | 8 |
| Noncurrent loans to loans | 6.0705% | 114 |
| Net loans and leases to total assets | 71.1934% | 2,321 |
| Net loans and leases to deposits | 84.9701% | 2,371 |
| Net loans and leases to core deposits | 94.1303% | 2,188 |
| Total domestic deposits to total assets | 83.7865% | 3,279 |
| Equity capital to assets | 15.8247% | 580 |
| Core capital (leverage) ratio | 15.8697% | 498 |
| Tier 1 risk-based capital ratio | 18.3500% | 1,820 |
| Total risk-based capital ratio | 19.5994% | 1,789 |
| Memoranda: | ||
| Average total assets | $35,283,000 | 5,690 |
| Average earning assets | $27,040,500 | 5,767 |
| Average equity | $5,647,750 | 5,396 |
| Average total loans | $24,608,000 | 5,420 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 141 |
| Cost of funding earning assets | 1.0616% | 109 |
| Net interest margin | 4.8186% | 354 |
| Noninterest income to average assets | 0.9612% | 1,213 |
| Noninterest expense to average assets | 4.4686% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1545% | 5,605 |
| Return on assets (ROA) | 0.1545% | 5,653 |
| Pretax return on assets | 0.1545% | 5,665 |
| Return on Equity (ROE) | 0.9613% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.9613% | 5,007 |
| Net charge-offs to loans | -0.0582% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6584% | 323 |
| Assets per employee ($millions) | 4.4025% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 797 |
| Loan loss allowance to noncurrent loans | 29.5715% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 19.1539% | 8 |
| Noncurrent loans to loans | 6.6376% | 101 |
| Net loans and leases to total assets | 69.4889% | 2,556 |
| Net loans and leases to deposits | 83.0782% | 2,584 |
| Net loans and leases to core deposits | 92.3303% | 2,320 |
| Total domestic deposits to total assets | 83.6428% | 3,401 |
| Equity capital to assets | 15.9824% | 550 |
| Core capital (leverage) ratio | 15.6254% | 507 |
| Tier 1 risk-based capital ratio | 18.7237% | 1,754 |
| Total risk-based capital ratio | 19.9782% | 1,713 |
| Memoranda: | ||
| Average total assets | $34,955,330 | 5,766 |
| Average earning assets | $26,564,000 | 5,850 |
| Average equity | $5,617,330 | 5,456 |
| Average total loans | $24,058,000 | 5,500 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8738% | 143 |
| Cost of funding earning assets | 1.0500% | 122 |
| Net interest margin | 4.8239% | 345 |
| Noninterest income to average assets | 0.9649% | 1,156 |
| Noninterest expense to average assets | 4.4568% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1493% | 5,613 |
| Return on assets (ROA) | 0.1493% | 5,667 |
| Pretax return on assets | 0.1493% | 5,693 |
| Return on Equity (ROE) | 0.9267% | 5,704 |
| Retained earnings to average equity (ytd only) | 0.9267% | 4,865 |
| Net charge-offs to loans | -0.0847% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7581% | 380 |
| Assets per employee ($millions) | 3.7967% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 801 |
| Loan loss allowance to noncurrent loans | 29.1866% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 20.0234% | 5 |
| Noncurrent loans to loans | 6.9037% | 104 |
| Net loans and leases to total assets | 69.4498% | 2,431 |
| Net loans and leases to deposits | 83.4570% | 2,373 |
| Net loans and leases to core deposits | 93.0993% | 2,080 |
| Total domestic deposits to total assets | 83.2163% | 3,819 |
| Equity capital to assets | 16.4384% | 485 |
| Core capital (leverage) ratio | 15.8533% | 491 |
| Tier 1 risk-based capital ratio | 18.6996% | 1,804 |
| Total risk-based capital ratio | 19.9523% | 1,762 |
| Memoranda: | ||
| Average total assets | $34,823,000 | 5,823 |
| Average earning assets | $26,286,000 | 5,912 |
| Average equity | $5,611,500 | 5,494 |
| Average total loans | $23,605,000 | 5,567 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8574% | 158 |
| Cost of funding earning assets | 1.0680% | 120 |
| Net interest margin | 4.7894% | 379 |
| Noninterest income to average assets | 0.8654% | 1,546 |
| Noninterest expense to average assets | 4.8194% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4733% | 6,038 |
| Return on assets (ROA) | -0.4733% | 6,047 |
| Pretax return on assets | -0.4733% | 6,037 |
| Return on Equity (ROE) | -3.0525% | 6,011 |
| Retained earnings to average equity (ytd only) | -3.0525% | 5,827 |
| Net charge-offs to loans | 3.4312% | 24 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.2166% | 4,286 |
| Efficiency ratio | 110.8899% | 134 |
| Assets per employee ($millions) | 3.9418% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 686 |
| Loan loss allowance to noncurrent loans | 27.8066% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 19.5682% | 6 |
| Noncurrent loans to loans | 7.5551% | 85 |
| Net loans and leases to total assets | 63.4457% | 3,354 |
| Net loans and leases to deposits | 75.6292% | 3,303 |
| Net loans and leases to core deposits | 85.1898% | 2,864 |
| Total domestic deposits to total assets | 83.8905% | 3,524 |
| Equity capital to assets | 15.8022% | 544 |
| Core capital (leverage) ratio | 15.2062% | 580 |
| Tier 1 risk-based capital ratio | 19.2707% | 1,638 |
| Total risk-based capital ratio | 20.5261% | 1,596 |
| Memoranda: | ||
| Average total assets | $36,975,400 | 5,829 |
| Average earning assets | $26,871,800 | 5,952 |
| Average equity | $5,733,000 | 5,498 |
| Average total loans | $23,548,600 | 5,604 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9223% | 147 |
| Cost of funding earning assets | 1.0500% | 133 |
| Net interest margin | 4.8723% | 328 |
| Noninterest income to average assets | 0.8175% | 1,737 |
| Noninterest expense to average assets | 4.6406% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2784% | 6,081 |
| Return on assets (ROA) | -0.2784% | 6,092 |
| Pretax return on assets | -0.2784% | 6,080 |
| Return on Equity (ROE) | -1.8041% | 6,061 |
| Retained earnings to average equity (ytd only) | -1.8041% | 5,838 |
| Net charge-offs to loans | 4.5648% | 12 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.0962% | 3,997 |
| Efficiency ratio | 106.3830% | 184 |
| Assets per employee ($millions) | 4.5040% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1007% | 778 |
| Loan loss allowance to noncurrent loans | 46.6926% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 20.5845% | 5 |
| Noncurrent loans to loans | 4.4991% | 241 |
| Net loans and leases to total assets | 62.0809% | 3,594 |
| Net loans and leases to deposits | 74.2811% | 3,516 |
| Net loans and leases to core deposits | 83.5256% | 3,097 |
| Total domestic deposits to total assets | 83.5757% | 3,578 |
| Equity capital to assets | 15.8609% | 582 |
| Core capital (leverage) ratio | 15.5193% | 552 |
| Tier 1 risk-based capital ratio | 19.2884% | 1,709 |
| Total risk-based capital ratio | 20.5389% | 1,675 |
| Memoranda: | ||
| Average total assets | $37,350,250 | 5,893 |
| Average earning assets | $27,173,250 | 6,026 |
| Average equity | $5,764,750 | 5,564 |
| Average total loans | $23,688,000 | 5,664 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7061% | 194 |
| Cost of funding earning assets | 1.0257% | 154 |
| Net interest margin | 4.6804% | 459 |
| Noninterest income to average assets | 0.8627% | 1,562 |
| Noninterest expense to average assets | 4.6891% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3969% | 6,162 |
| Return on assets (ROA) | -0.3969% | 6,175 |
| Pretax return on assets | -0.3969% | 6,166 |
| Return on Equity (ROE) | -2.5946% | 6,141 |
| Retained earnings to average equity (ytd only) | -2.5946% | 5,873 |
| Net charge-offs to loans | 6.7925% | 3 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.0921% | 3,719 |
| Efficiency ratio | 109.2478% | 182 |
| Assets per employee ($millions) | 4.5088% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9562% | 1,061 |
| Loan loss allowance to noncurrent loans | 41.2273% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 21.4222% | 6 |
| Noncurrent loans to loans | 4.7449% | 266 |
| Net loans and leases to total assets | 66.2795% | 2,899 |
| Net loans and leases to deposits | 79.1413% | 2,889 |
| Net loans and leases to core deposits | 88.4494% | 2,511 |
| Total domestic deposits to total assets | 83.7483% | 3,670 |
| Equity capital to assets | 15.8747% | 541 |
| Core capital (leverage) ratio | 15.2121% | 588 |
| Tier 1 risk-based capital ratio | 17.9332% | 2,078 |
| Total risk-based capital ratio | 19.1864% | 2,034 |
| Memoranda: | ||
| Average total assets | $37,789,670 | 5,949 |
| Average earning assets | $27,689,670 | 6,088 |
| Average equity | $5,781,330 | 5,609 |
| Average total loans | $23,967,670 | 5,710 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7558% | 177 |
| Cost of funding earning assets | 1.0141% | 170 |
| Net interest margin | 4.7418% | 387 |
| Noninterest income to average assets | 1.1281% | 881 |
| Noninterest expense to average assets | 4.6986% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1345% | 6,120 |
| Return on assets (ROA) | -0.1345% | 6,142 |
| Pretax return on assets | -0.1345% | 6,132 |
| Return on Equity (ROE) | -0.8952% | 6,119 |
| Retained earnings to average equity (ytd only) | -0.8952% | 5,536 |
| Net charge-offs to loans | 13.7377% | 2 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.0159% | 3,114 |
| Efficiency ratio | 102.9478% | 288 |
| Assets per employee ($millions) | 4.0886% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 1,014 |
| Loan loss allowance to noncurrent loans | 25.2794% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 23.4340% | 7 |
| Noncurrent loans to loans | 8.0550% | 99 |
| Net loans and leases to total assets | 62.1029% | 3,351 |
| Net loans and leases to deposits | 74.0146% | 3,311 |
| Net loans and leases to core deposits | 81.7544% | 2,984 |
| Total domestic deposits to total assets | 83.9063% | 3,851 |
| Equity capital to assets | 15.7676% | 576 |
| Core capital (leverage) ratio | 14.8048% | 634 |
| Tier 1 risk-based capital ratio | 18.3310% | 2,055 |
| Total risk-based capital ratio | 19.5816% | 2,011 |
| Memoranda: | ||
| Average total assets | $38,649,500 | 5,991 |
| Average earning assets | $28,006,500 | 6,147 |
| Average equity | $5,809,000 | 5,655 |
| Average total loans | $23,759,500 | 5,764 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 214 |
| Cost of funding earning assets | 1.0224% | 203 |
| Net interest margin | 4.7147% | 507 |
| Noninterest income to average assets | -0.0225% | 6,419 |
| Noninterest expense to average assets | 4.6470% | 406 |
| Loan and lease loss provision to assets | 2.4371% | 21 |
| Net operating income to assets | -3.5233% | 6,482 |
| Return on assets (ROA) | -3.5233% | 6,482 |
| Pretax return on assets | -3.6407% | 6,484 |
| Return on Equity (ROE) | -21.8936% | 6,448 |
| Retained earnings to average equity (ytd only) | -21.8936% | 6,435 |
| Net charge-offs to loans | 0.1614% | 2,418 |
| Credit loss provision to net charge-offs | 2,380.4878% | 136 |
| Earnings coverage of net charge-offs (x) | -11.7561% | 4,921 |
| Efficiency ratio | 134.9529% | 83 |
| Assets per employee ($millions) | 4.5002% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3365% | 63 |
| Loan loss allowance to noncurrent loans | 49.4826% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 23.4433% | 6 |
| Noncurrent loans to loans | 10.7846% | 58 |
| Net loans and leases to total assets | 56.5429% | 4,257 |
| Net loans and leases to deposits | 72.7570% | 3,592 |
| Net loans and leases to core deposits | 80.1828% | 3,278 |
| Total domestic deposits to total assets | 77.7147% | 5,484 |
| Equity capital to assets | 14.3598% | 848 |
| Core capital (leverage) ratio | 14.8856% | 630 |
| Tier 1 risk-based capital ratio | 17.9338% | 2,161 |
| Total risk-based capital ratio | 19.2197% | 2,113 |
| Memoranda: | ||
| Average total assets | $40,047,600 | 6,034 |
| Average earning assets | $29,439,800 | 6,191 |
| Average equity | $6,444,800 | 5,542 |
| Average total loans | $25,408,400 | 5,766 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8306% | 185 |
| Cost of funding earning assets | 1.0375% | 206 |
| Net interest margin | 4.7932% | 436 |
| Noninterest income to average assets | 0.0935% | 6,271 |
| Noninterest expense to average assets | 4.5507% | 438 |
| Loan and lease loss provision to assets | 2.5575% | 21 |
| Net operating income to assets | -3.3254% | 6,560 |
| Return on assets (ROA) | -3.3254% | 6,561 |
| Pretax return on assets | -3.4823% | 6,562 |
| Return on Equity (ROE) | -20.1147% | 6,510 |
| Retained earnings to average equity (ytd only) | -20.1147% | 6,490 |
| Net charge-offs to loans | 0.1452% | 2,347 |
| Credit loss provision to net charge-offs | 2,735.7143% | 142 |
| Earnings coverage of net charge-offs (x) | -9.8934% | 4,634 |
| Efficiency ratio | 125.5064% | 104 |
| Assets per employee ($millions) | 4.5496% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9999% | 160 |
| Loan loss allowance to noncurrent loans | 48.9048% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 23.5920% | 8 |
| Noncurrent loans to loans | 8.1789% | 118 |
| Net loans and leases to total assets | 64.1259% | 3,159 |
| Net loans and leases to deposits | 83.3212% | 2,253 |
| Net loans and leases to core deposits | 91.8013% | 2,052 |
| Total domestic deposits to total assets | 76.9623% | 5,681 |
| Equity capital to assets | 15.2274% | 689 |
| Core capital (leverage) ratio | 16.0365% | 471 |
| Tier 1 risk-based capital ratio | 17.4929% | 2,399 |
| Total risk-based capital ratio | 18.7678% | 2,350 |
| Memoranda: | ||
| Average total assets | $39,934,000 | 6,115 |
| Average earning assets | $29,430,000 | 6,268 |
| Average equity | $6,602,000 | 5,556 |
| Average total loans | $25,712,500 | 5,801 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0106% | 146 |
| Cost of funding earning assets | 1.0858% | 159 |
| Net interest margin | 4.9248% | 331 |
| Noninterest income to average assets | 0.4293% | 4,028 |
| Noninterest expense to average assets | 4.3640% | 520 |
| Loan and lease loss provision to assets | 3.8690% | 9 |
| Net operating income to assets | -4.0155% | 6,641 |
| Return on assets (ROA) | -4.0155% | 6,642 |
| Pretax return on assets | -4.2529% | 6,643 |
| Return on Equity (ROE) | -23.6455% | 6,592 |
| Retained earnings to average equity (ytd only) | -23.6455% | 6,559 |
| Net charge-offs to loans | 0.2384% | 1,616 |
| Credit loss provision to net charge-offs | 2,553.3333% | 144 |
| Earnings coverage of net charge-offs (x) | -2.5333% | 4,256 |
| Efficiency ratio | 109.6447% | 236 |
| Assets per employee ($millions) | 4.3116% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1692% | 156 |
| Loan loss allowance to noncurrent loans | 48.4043% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 25.3969% | 5 |
| Noncurrent loans to loans | 8.6133% | 108 |
| Net loans and leases to total assets | 64.6841% | 2,965 |
| Net loans and leases to deposits | 77.8826% | 2,813 |
| Net loans and leases to core deposits | 85.5954% | 2,556 |
| Total domestic deposits to total assets | 83.0533% | 4,280 |
| Equity capital to assets | 16.6349% | 460 |
| Core capital (leverage) ratio | 16.3471% | 429 |
| Tier 1 risk-based capital ratio | 18.6827% | 2,010 |
| Total risk-based capital ratio | 19.9599% | 1,963 |
| Memoranda: | ||
| Average total assets | $39,596,670 | 6,183 |
| Average earning assets | $28,549,670 | 6,342 |
| Average equity | $6,724,330 | 5,558 |
| Average total loans | $25,166,330 | 5,873 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0686% | 132 |
| Cost of funding earning assets | 1.1883% | 100 |
| Net interest margin | 4.8804% | 330 |
| Noninterest income to average assets | 0.2700% | 5,210 |
| Noninterest expense to average assets | 4.3308% | 536 |
| Loan and lease loss provision to assets | 7.6613% | 2 |
| Net operating income to assets | -7.8014% | 6,721 |
| Return on assets (ROA) | -7.8014% | 6,721 |
| Pretax return on assets | -8.2714% | 6,720 |
| Return on Equity (ROE) | -45.4877% | 6,687 |
| Retained earnings to average equity (ytd only) | -45.4877% | 6,664 |
| Net charge-offs to loans | 0.5030% | 731 |
| Credit loss provision to net charge-offs | 2,470.9677% | 143 |
| Earnings coverage of net charge-offs (x) | -1.9677% | 3,536 |
| Efficiency ratio | 116.3978% | 204 |
| Assets per employee ($millions) | 4.2957% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3237% | 148 |
| Loan loss allowance to noncurrent loans | 59.7154% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 23.7112% | 6 |
| Noncurrent loans to loans | 7.2405% | 207 |
| Net loans and leases to total assets | 62.4454% | 3,161 |
| Net loans and leases to deposits | 75.3120% | 2,899 |
| Net loans and leases to core deposits | 82.0961% | 2,728 |
| Total domestic deposits to total assets | 82.9156% | 4,636 |
| Equity capital to assets | 16.7197% | 428 |
| Core capital (leverage) ratio | 15.3781% | 557 |
| Tier 1 risk-based capital ratio | 19.3249% | 1,876 |
| Total risk-based capital ratio | 20.6033% | 1,843 |
| Memoranda: | ||
| Average total assets | $39,993,000 | 6,238 |
| Average earning assets | $28,276,500 | 6,416 |
| Average equity | $6,859,000 | 5,555 |
| Average total loans | $24,653,500 | 5,953 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 500 |
| Cost of funding earning assets | 1.1297% | 242 |
| Net interest margin | 4.2012% | 1,353 |
| Noninterest income to average assets | 0.0427% | 6,570 |
| Noninterest expense to average assets | 4.7180% | 438 |
| Loan and lease loss provision to assets | 0.1494% | 2,410 |
| Net operating income to assets | -1.4490% | 6,670 |
| Return on assets (ROA) | -1.4490% | 6,667 |
| Pretax return on assets | -1.5397% | 6,667 |
| Return on Equity (ROE) | -7.1432% | 6,541 |
| Retained earnings to average equity (ytd only) | -7.1432% | 6,469 |
| Net charge-offs to loans | 0.0327% | 4,779 |
| Credit loss provision to net charge-offs | 700.0000% | 345 |
| Earnings coverage of net charge-offs (x) | -65.1250% | 5,461 |
| Efficiency ratio | 141.7803% | 77 |
| Assets per employee ($millions) | 4.5917% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 3,290 |
| Loan loss allowance to noncurrent loans | 45.0063% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 16.7211% | 33 |
| Noncurrent loans to loans | 3.2857% | 1,001 |
| Net loans and leases to total assets | 57.3938% | 4,135 |
| Net loans and leases to deposits | 74.1721% | 3,235 |
| Net loans and leases to core deposits | 80.8550% | 3,028 |
| Total domestic deposits to total assets | 77.3793% | 5,914 |
| Equity capital to assets | 17.5535% | 352 |
| Core capital (leverage) ratio | 18.8228% | 253 |
| Tier 1 risk-based capital ratio | 21.1382% | 1,399 |
| Total risk-based capital ratio | 22.1939% | 1,411 |
| Memoranda: | ||
| Average total assets | $37,473,800 | 6,348 |
| Average earning assets | $29,301,000 | 6,464 |
| Average equity | $7,601,600 | 5,436 |
| Average total loans | $24,449,800 | 6,011 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 858 |
| Cost of funding earning assets | 1.1170% | 284 |
| Net interest margin | 3.9274% | 2,178 |
| Noninterest income to average assets | -0.0110% | 6,770 |
| Noninterest expense to average assets | 4.7254% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.4571% | 6,755 |
| Return on assets (ROA) | -1.4571% | 6,759 |
| Pretax return on assets | -1.5520% | 6,759 |
| Return on Equity (ROE) | -6.9193% | 6,648 |
| Retained earnings to average equity (ytd only) | -6.9193% | 6,571 |
| Net charge-offs to loans | -0.0217% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.9068% | 75 |
| Assets per employee ($millions) | 4.0794% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,425 |
| Loan loss allowance to noncurrent loans | 7.2863% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 25.4474% | 6 |
| Noncurrent loans to loans | 17.7603% | 28 |
| Net loans and leases to total assets | 64.8182% | 2,849 |
| Net loans and leases to deposits | 87.8349% | 1,384 |
| Net loans and leases to core deposits | 97.3095% | 1,285 |
| Total domestic deposits to total assets | 73.7955% | 6,384 |
| Equity capital to assets | 20.2152% | 204 |
| Core capital (leverage) ratio | 19.5232% | 215 |
| Tier 1 risk-based capital ratio | 23.8356% | 1,030 |
| Total risk-based capital ratio | 24.8582% | 1,036 |
| Memoranda: | ||
| Average total assets | $36,511,000 | 6,447 |
| Average earning assets | $29,603,000 | 6,527 |
| Average equity | $7,688,500 | 5,475 |
| Average total loans | $24,543,750 | 6,063 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,254 |
| Cost of funding earning assets | 1.1266% | 297 |
| Net interest margin | 3.7084% | 2,927 |
| Noninterest income to average assets | 0.1976% | 6,021 |
| Noninterest expense to average assets | 4.2368% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.9549% | 6,746 |
| Return on assets (ROA) | -0.9549% | 6,750 |
| Pretax return on assets | -1.0043% | 6,736 |
| Return on Equity (ROE) | -4.4745% | 6,627 |
| Retained earnings to average equity (ytd only) | -4.4745% | 6,426 |
| Net charge-offs to loans | -0.0243% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0696% | 120 |
| Assets per employee ($millions) | 4.0186% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,025 |
| Loan loss allowance to noncurrent loans | 5.2846% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 26.2836% | 5 |
| Noncurrent loans to loans | 22.6172% | 12 |
| Net loans and leases to total assets | 71.0841% | 1,712 |
| Net loans and leases to deposits | 97.3273% | 588 |
| Net loans and leases to core deposits | 108.0982% | 647 |
| Total domestic deposits to total assets | 73.0362% | 6,503 |
| Equity capital to assets | 21.1298% | 160 |
| Core capital (leverage) ratio | 20.5950% | 161 |
| Tier 1 risk-based capital ratio | 24.4536% | 942 |
| Total risk-based capital ratio | 25.4681% | 953 |
| Memoranda: | ||
| Average total assets | $36,443,000 | 6,496 |
| Average earning assets | $29,824,000 | 6,567 |
| Average equity | $7,777,330 | 5,491 |
| Average total loans | $24,688,330 | 6,083 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 496 |
| Cost of funding earning assets | 1.2102% | 220 |
| Net interest margin | 4.1067% | 1,440 |
| Noninterest income to average assets | -0.2734% | 6,966 |
| Noninterest expense to average assets | 3.9474% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9185% | 6,790 |
| Return on assets (ROA) | -0.9185% | 6,802 |
| Pretax return on assets | -0.9185% | 6,784 |
| Return on Equity (ROE) | -4.2830% | 6,670 |
| Retained earnings to average equity (ytd only) | -4.2830% | 6,308 |
| Net charge-offs to loans | -0.0333% | 5,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.3249% | 147 |
| Assets per employee ($millions) | 4.0572% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,800 |
| Loan loss allowance to noncurrent loans | 7.7287% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 20.9010% | 20 |
| Noncurrent loans to loans | 16.5539% | 48 |
| Net loans and leases to total assets | 65.5073% | 2,455 |
| Net loans and leases to deposits | 89.8505% | 984 |
| Net loans and leases to core deposits | 98.6310% | 1,038 |
| Total domestic deposits to total assets | 72.9070% | 6,608 |
| Equity capital to assets | 21.3364% | 168 |
| Core capital (leverage) ratio | 21.3370% | 151 |
| Tier 1 risk-based capital ratio | 25.5834% | 831 |
| Total risk-based capital ratio | 26.6287% | 836 |
| Memoranda: | ||
| Average total assets | $36,581,000 | 6,559 |
| Average earning assets | $29,415,500 | 6,637 |
| Average equity | $7,845,000 | 5,527 |
| Average total loans | $24,022,500 | 6,171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 682 |
| Cost of funding earning assets | 1.6633% | 86 |
| Net interest margin | 3.7900% | 3,272 |
| Noninterest income to average assets | 0.6676% | 2,891 |
| Noninterest expense to average assets | 4.2677% | 706 |
| Loan and lease loss provision to assets | 0.2273% | 2,858 |
| Net operating income to assets | -0.8576% | 6,691 |
| Return on assets (ROA) | -0.8576% | 6,718 |
| Pretax return on assets | -0.9094% | 6,708 |
| Return on Equity (ROE) | -3.6944% | 6,533 |
| Retained earnings to average equity (ytd only) | -3.6944% | 6,330 |
| Net charge-offs to loans | 0.9835% | 1,111 |
| Credit loss provision to net charge-offs | 40.7216% | 4,925 |
| Earnings coverage of net charge-offs (x) | -1.2216% | 5,777 |
| Efficiency ratio | 119.0209% | 218 |
| Assets per employee ($millions) | 4.0719% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,663 |
| Loan loss allowance to noncurrent loans | 8.2375% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 20.3182% | 22 |
| Noncurrent loans to loans | 15.7002% | 68 |
| Net loans and leases to total assets | 64.1444% | 2,877 |
| Net loans and leases to deposits | 93.5118% | 781 |
| Net loans and leases to core deposits | 103.1869% | 827 |
| Total domestic deposits to total assets | 68.5950% | 6,837 |
| Equity capital to assets | 21.5543% | 167 |
| Core capital (leverage) ratio | 21.7094% | 145 |
| Tier 1 risk-based capital ratio | 26.6400% | 723 |
| Total risk-based capital ratio | 27.7097% | 721 |
| Memoranda: | ||
| Average total assets | $34,749,400 | 6,641 |
| Average earning assets | $26,754,800 | 6,745 |
| Average equity | $8,066,200 | 5,484 |
| Average total loans | $19,726,400 | 6,443 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 970 |
| Cost of funding earning assets | 1.7437% | 75 |
| Net interest margin | 3.5744% | 4,340 |
| Noninterest income to average assets | 0.6380% | 3,061 |
| Noninterest expense to average assets | 4.3257% | 645 |
| Loan and lease loss provision to assets | 0.1556% | 3,576 |
| Net operating income to assets | -1.0581% | 6,875 |
| Return on assets (ROA) | -1.0581% | 6,899 |
| Pretax return on assets | -1.1242% | 6,896 |
| Return on Equity (ROE) | -4.4729% | 6,700 |
| Retained earnings to average equity (ytd only) | -4.4729% | 6,586 |
| Net charge-offs to loans | 1.3829% | 655 |
| Credit loss provision to net charge-offs | 20.6186% | 4,944 |
| Earnings coverage of net charge-offs (x) | -1.2835% | 5,604 |
| Efficiency ratio | 128.8528% | 156 |
| Assets per employee ($millions) | 3.9338% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 5,100 |
| Loan loss allowance to noncurrent loans | 9.5832% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 18.6815% | 48 |
| Noncurrent loans to loans | 12.9260% | 139 |
| Net loans and leases to total assets | 60.5779% | 3,659 |
| Net loans and leases to deposits | 90.1665% | 1,129 |
| Net loans and leases to core deposits | 94.6219% | 1,519 |
| Total domestic deposits to total assets | 67.1845% | 6,946 |
| Equity capital to assets | 22.5314% | 152 |
| Core capital (leverage) ratio | 22.2737% | 136 |
| Tier 1 risk-based capital ratio | 28.3348% | 627 |
| Total risk-based capital ratio | 29.3249% | 637 |
| Memoranda: | ||
| Average total assets | $34,275,000 | 6,734 |
| Average earning assets | $26,074,000 | 6,847 |
| Average equity | $8,108,000 | 5,528 |
| Average total loans | $18,704,250 | 6,567 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1199% | 1,456 |
| Cost of funding earning assets | 1.8625% | 54 |
| Net interest margin | 3.2574% | 5,568 |
| Noninterest income to average assets | 0.6313% | 3,067 |
| Noninterest expense to average assets | 4.2126% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.0856% | 6,934 |
| Return on assets (ROA) | -1.0856% | 6,951 |
| Pretax return on assets | -1.1564% | 6,938 |
| Return on Equity (ROE) | -4.5144% | 6,752 |
| Retained earnings to average equity (ytd only) | -4.5144% | 6,590 |
| Net charge-offs to loans | 2.2146% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,310 |
| Efficiency ratio | 137.8378% | 128 |
| Assets per employee ($millions) | 3.5592% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,608 |
| Loan loss allowance to noncurrent loans | 8.0869% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 18.8666% | 51 |
| Noncurrent loans to loans | 14.0793% | 119 |
| Net loans and leases to total assets | 55.3776% | 4,568 |
| Net loans and leases to deposits | 82.4686% | 2,051 |
| Net loans and leases to core deposits | 86.5043% | 2,363 |
| Total domestic deposits to total assets | 67.1499% | 7,021 |
| Equity capital to assets | 22.6231% | 140 |
| Core capital (leverage) ratio | 22.4883% | 123 |
| Tier 1 risk-based capital ratio | 29.0843% | 565 |
| Total risk-based capital ratio | 29.9324% | 581 |
| Memoranda: | ||
| Average total assets | $33,898,670 | 6,789 |
| Average earning assets | $25,234,670 | 6,920 |
| Average equity | $8,151,670 | 5,525 |
| Average total loans | $17,700,330 | 6,661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 2,538 |
| Cost of funding earning assets | 2.0471% | 37 |
| Net interest margin | 2.7793% | 6,666 |
| Noninterest income to average assets | 0.4599% | 4,229 |
| Noninterest expense to average assets | 4.0784% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5007% | 7,091 |
| Return on assets (ROA) | -1.5007% | 7,097 |
| Pretax return on assets | -1.5975% | 7,091 |
| Return on Equity (ROE) | -6.0477% | 6,888 |
| Retained earnings to average equity (ytd only) | -6.0477% | 6,662 |
| Net charge-offs to loans | 4.5109% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.7059% | 4,530 |
| Efficiency ratio | 164.3902% | 72 |
| Assets per employee ($millions) | 3.6211% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 4,223 |
| Loan loss allowance to noncurrent loans | 9.0769% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 21.9024% | 36 |
| Noncurrent loans to loans | 16.3945% | 93 |
| Net loans and leases to total assets | 47.9380% | 5,562 |
| Net loans and leases to deposits | 75.1250% | 2,954 |
| Net loans and leases to core deposits | 80.3900% | 3,026 |
| Total domestic deposits to total assets | 63.8110% | 7,145 |
| Equity capital to assets | 24.9831% | 99 |
| Core capital (leverage) ratio | 23.1682% | 114 |
| Tier 1 risk-based capital ratio | 35.1321% | 333 |
| Total risk-based capital ratio | 36.1890% | 334 |
| Memoranda: | ||
| Average total assets | $33,052,000 | 6,864 |
| Average earning assets | $24,034,500 | 7,018 |
| Average equity | $8,201,500 | 5,530 |
| Average total loans | $16,582,000 | 6,766 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 651 |
| Cost of funding earning assets | 1.9992% | 100 |
| Net interest margin | 3.7957% | 3,841 |
| Noninterest income to average assets | 0.3885% | 4,719 |
| Noninterest expense to average assets | 3.9316% | 1,141 |
| Loan and lease loss provision to assets | 0.7509% | 1,342 |
| Net operating income to assets | -1.0583% | 6,767 |
| Return on assets (ROA) | -1.0583% | 6,790 |
| Pretax return on assets | -1.4149% | 6,871 |
| Return on Equity (ROE) | -4.3535% | 6,493 |
| Retained earnings to average equity (ytd only) | -4.3535% | 6,399 |
| Net charge-offs to loans | 0.4320% | 3,274 |
| Credit loss provision to net charge-offs | 332.0513% | 703 |
| Earnings coverage of net charge-offs (x) | -2.9359% | 6,321 |
| Efficiency ratio | 120.3194% | 304 |
| Assets per employee ($millions) | 4.7877% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4444% | 1,390 |
| Loan loss allowance to noncurrent loans | 13.7920% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 20.9942% | 44 |
| Noncurrent loans to loans | 17.7232% | 76 |
| Net loans and leases to total assets | 50.3730% | 5,538 |
| Net loans and leases to deposits | 83.9024% | 1,939 |
| Net loans and leases to core deposits | 89.9702% | 2,136 |
| Total domestic deposits to total assets | 60.0376% | 7,225 |
| Equity capital to assets | 24.6494% | 109 |
| Core capital (leverage) ratio | 23.9871% | 112 |
| Tier 1 risk-based capital ratio | 35.3690% | 322 |
| Total risk-based capital ratio | 36.6695% | 316 |
| Memoranda: | ||
| Average total assets | $34,489,800 | 6,845 |
| Average earning assets | $26,161,000 | 6,980 |
| Average equity | $8,384,000 | 5,443 |
| Average total loans | $18,054,200 | 6,749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9891% | 474 |
| Cost of funding earning assets | 1.9796% | 129 |
| Net interest margin | 4.0095% | 2,879 |
| Noninterest income to average assets | 0.7178% | 2,488 |
| Noninterest expense to average assets | 3.9576% | 1,057 |
| Loan and lease loss provision to assets | 0.9942% | 870 |
| Net operating income to assets | -1.1286% | 6,932 |
| Return on assets (ROA) | -1.1286% | 6,957 |
| Pretax return on assets | -1.1708% | 6,927 |
| Return on Equity (ROE) | -4.6584% | 6,661 |
| Retained earnings to average equity (ytd only) | -4.6584% | 6,570 |
| Net charge-offs to loans | 0.5847% | 2,500 |
| Credit loss provision to net charge-offs | 323.7500% | 863 |
| Earnings coverage of net charge-offs (x) | -0.5750% | 5,854 |
| Efficiency ratio | 104.6701% | 533 |
| Assets per employee ($millions) | 4.8243% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3855% | 1,558 |
| Loan loss allowance to noncurrent loans | 13.8305% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 21.1489% | 44 |
| Noncurrent loans to loans | 17.2484% | 89 |
| Net loans and leases to total assets | 51.0127% | 5,577 |
| Net loans and leases to deposits | 85.1936% | 1,804 |
| Net loans and leases to core deposits | 91.2931% | 2,077 |
| Total domestic deposits to total assets | 59.8786% | 7,301 |
| Equity capital to assets | 24.7350% | 121 |
| Core capital (leverage) ratio | 23.9728% | 125 |
| Tier 1 risk-based capital ratio | 35.1092% | 352 |
| Total risk-based capital ratio | 36.4061% | 338 |
| Memoranda: | ||
| Average total assets | $34,733,750 | 6,901 |
| Average earning assets | $26,536,500 | 7,043 |
| Average equity | $8,414,750 | 5,463 |
| Average total loans | $18,241,500 | 6,807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 2,138 |
| Cost of funding earning assets | 1.9432% | 175 |
| Net interest margin | 3.2879% | 5,893 |
| Noninterest income to average assets | 0.6732% | 2,692 |
| Noninterest expense to average assets | 3.8397% | 1,295 |
| Loan and lease loss provision to assets | 1.4777% | 481 |
| Net operating income to assets | -2.0653% | 7,199 |
| Return on assets (ROA) | -2.0653% | 7,206 |
| Pretax return on assets | -2.1053% | 7,183 |
| Return on Equity (ROE) | -8.5829% | 6,885 |
| Retained earnings to average equity (ytd only) | -8.5829% | 6,802 |
| Net charge-offs to loans | 0.8786% | 1,764 |
| Credit loss provision to net charge-offs | 319.7531% | 951 |
| Earnings coverage of net charge-offs (x) | -1.3580% | 5,671 |
| Efficiency ratio | 119.5382% | 348 |
| Assets per employee ($millions) | 4.2424% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 1,700 |
| Loan loss allowance to noncurrent loans | 17.7140% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 19.2433% | 72 |
| Noncurrent loans to loans | 13.1510% | 197 |
| Net loans and leases to total assets | 51.8843% | 5,580 |
| Net loans and leases to deposits | 85.8180% | 1,816 |
| Net loans and leases to core deposits | 87.2856% | 2,727 |
| Total domestic deposits to total assets | 60.4585% | 7,374 |
| Equity capital to assets | 24.2730% | 131 |
| Core capital (leverage) ratio | 23.9141% | 128 |
| Tier 1 risk-based capital ratio | 34.3502% | 369 |
| Total risk-based capital ratio | 35.6472% | 359 |
| Memoranda: | ||
| Average total assets | $35,055,000 | 6,954 |
| Average earning assets | $27,068,670 | 7,086 |
| Average equity | $8,435,330 | 5,481 |
| Average total loans | $18,439,330 | 6,863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 1,870 |
| Cost of funding earning assets | 1.9281% | 220 |
| Net interest margin | 3.3706% | 5,538 |
| Noninterest income to average assets | 0.7638% | 2,199 |
| Noninterest expense to average assets | 4.0659% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6290% | 6,881 |
| Return on assets (ROA) | -0.6290% | 6,885 |
| Pretax return on assets | -0.6514% | 6,846 |
| Return on Equity (ROE) | -2.6248% | 6,636 |
| Retained earnings to average equity (ytd only) | -2.6248% | 6,242 |
| Net charge-offs to loans | -0.1502% | 7,202 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0789% | 354 |
| Assets per employee ($millions) | 4.2196% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 5,012 |
| Loan loss allowance to noncurrent loans | 10.2680% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 19.6848% | 67 |
| Noncurrent loans to loans | 12.8989% | 235 |
| Net loans and leases to total assets | 54.9545% | 5,165 |
| Net loans and leases to deposits | 92.2293% | 996 |
| Net loans and leases to core deposits | 93.8341% | 1,905 |
| Total domestic deposits to total assets | 59.5847% | 7,438 |
| Equity capital to assets | 25.1592% | 116 |
| Core capital (leverage) ratio | 22.6645% | 147 |
| Tier 1 risk-based capital ratio | 33.7038% | 384 |
| Total risk-based capital ratio | 34.7176% | 385 |
| Memoranda: | ||
| Average total assets | $35,613,000 | 6,981 |
| Average earning assets | $28,007,000 | 7,101 |
| Average equity | $8,534,000 | 5,450 |
| Average total loans | $18,644,500 | 6,902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 6,797 |
| Cost of funding earning assets | 1.9018% | 838 |
| Net interest margin | 2.3928% | 7,324 |
| Noninterest income to average assets | 0.4320% | 4,667 |
| Noninterest expense to average assets | 3.1351% | 3,323 |
| Loan and lease loss provision to assets | 4.4867% | 110 |
| Net operating income to assets | -5.2844% | 7,553 |
| Return on assets (ROA) | -4.0398% | 7,453 |
| Pretax return on assets | -4.0483% | 7,443 |
| Return on Equity (ROE) | -19.8420% | 7,035 |
| Retained earnings to average equity (ytd only) | -19.8420% | 7,009 |
| Net charge-offs to loans | 11.6029% | 10 |
| Credit loss provision to net charge-offs | 91.4161% | 5,066 |
| Earnings coverage of net charge-offs (x) | -0.1643% | 6,268 |
| Efficiency ratio | 134.6189% | 284 |
| Assets per employee ($millions) | 4.1632% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,961 |
| Loan loss allowance to noncurrent loans | 11.5845% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 17.2649% | 113 |
| Noncurrent loans to loans | 11.2986% | 336 |
| Net loans and leases to total assets | 48.6989% | 6,308 |
| Net loans and leases to deposits | 83.9985% | 2,447 |
| Net loans and leases to core deposits | 88.5734% | 2,970 |
| Total domestic deposits to total assets | 57.9759% | 7,525 |
| Equity capital to assets | 22.8856% | 163 |
| Core capital (leverage) ratio | 21.1217% | 195 |
| Tier 1 risk-based capital ratio | 33.5251% | 387 |
| Total risk-based capital ratio | 34.4986% | 389 |
| Memoranda: | ||
| Average total assets | $46,760,200 | 6,646 |
| Average earning assets | $37,069,200 | 6,838 |
| Average equity | $9,520,200 | 5,258 |
| Average total loans | $19,779,600 | 6,938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 6,984 |
| Cost of funding earning assets | 1.8435% | 1,244 |
| Net interest margin | 2.4398% | 7,411 |
| Noninterest income to average assets | 0.4346% | 4,680 |
| Noninterest expense to average assets | 2.9881% | 3,792 |
| Loan and lease loss provision to assets | 5.6990% | 60 |
| Net operating income to assets | -6.2967% | 7,699 |
| Return on assets (ROA) | -4.7157% | 7,633 |
| Pretax return on assets | -4.7266% | 7,616 |
| Return on Equity (ROE) | -23.7238% | 7,290 |
| Retained earnings to average equity (ytd only) | -23.7238% | 7,280 |
| Net charge-offs to loans | 15.1953% | 8 |
| Credit loss provision to net charge-offs | 91.5757% | 4,705 |
| Earnings coverage of net charge-offs (x) | -0.0978% | 6,107 |
| Efficiency ratio | 125.5708% | 338 |
| Assets per employee ($millions) | 4.2319% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 4,800 |
| Loan loss allowance to noncurrent loans | 33.0201% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 15.1128% | 154 |
| Noncurrent loans to loans | 4.0253% | 1,861 |
| Net loans and leases to total assets | 47.9481% | 6,525 |
| Net loans and leases to deposits | 83.0091% | 2,910 |
| Net loans and leases to core deposits | 87.4407% | 3,454 |
| Total domestic deposits to total assets | 57.7625% | 7,620 |
| Equity capital to assets | 23.0499% | 163 |
| Core capital (leverage) ratio | 22.3572% | 166 |
| Tier 1 risk-based capital ratio | 33.9507% | 380 |
| Total risk-based capital ratio | 34.9348% | 380 |
| Memoranda: | ||
| Average total assets | $49,083,000 | 6,655 |
| Average earning assets | $39,127,000 | 6,831 |
| Average equity | $9,756,500 | 5,266 |
| Average total loans | $20,102,250 | 7,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 7,368 |
| Cost of funding earning assets | 1.6901% | 2,168 |
| Net interest margin | 2.3000% | 7,536 |
| Noninterest income to average assets | 0.3185% | 5,606 |
| Noninterest expense to average assets | 2.6048% | 5,308 |
| Loan and lease loss provision to assets | 7.9548% | 25 |
| Net operating income to assets | -8.3529% | 7,792 |
| Return on assets (ROA) | -6.1462% | 7,745 |
| Pretax return on assets | -6.1613% | 7,736 |
| Return on Equity (ROE) | -32.1553% | 7,457 |
| Retained earnings to average equity (ytd only) | -32.1553% | 7,446 |
| Net charge-offs to loans | 20.2194% | 4 |
| Credit loss provision to net charge-offs | 100.5753% | 4,049 |
| Earnings coverage of net charge-offs (x) | -0.0523% | 5,762 |
| Efficiency ratio | 118.8581% | 429 |
| Assets per employee ($millions) | 4.2900% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4374% | 1,383 |
| Loan loss allowance to noncurrent loans | 30.7850% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 15.0350% | 147 |
| Noncurrent loans to loans | 7.9176% | 659 |
| Net loans and leases to total assets | 46.7547% | 6,726 |
| Net loans and leases to deposits | 80.3955% | 3,536 |
| Net loans and leases to core deposits | 85.5951% | 3,891 |
| Total domestic deposits to total assets | 58.1559% | 7,681 |
| Equity capital to assets | 23.0951% | 168 |
| Core capital (leverage) ratio | 21.7517% | 188 |
| Tier 1 risk-based capital ratio | 34.2231% | 372 |
| Total risk-based capital ratio | 35.5160% | 366 |
| Memoranda: | ||
| Average total assets | $52,748,330 | 6,559 |
| Average earning assets | $42,956,670 | 6,739 |
| Average equity | $10,082,330 | 5,171 |
| Average total loans | $20,633,670 | 7,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 7,609 |
| Cost of funding earning assets | 1.4503% | 3,878 |
| Net interest margin | 2.3016% | 7,596 |
| Noninterest income to average assets | 0.1070% | 7,161 |
| Noninterest expense to average assets | 2.2468% | 6,557 |
| Loan and lease loss provision to assets | 3.5976% | 258 |
| Net operating income to assets | -3.7848% | 7,705 |
| Return on assets (ROA) | 0.1070% | 6,110 |
| Pretax return on assets | 0.1070% | 6,115 |
| Return on Equity (ROE) | 0.6001% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.6001% | 5,585 |
| Net charge-offs to loans | -0.1106% | 7,539 |
| Credit loss provision to net charge-offs | -8,966.6667% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0909% | 622 |
| Assets per employee ($millions) | 4.4338% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5806% | 243 |
| Loan loss allowance to noncurrent loans | 34.9325% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 16.0134% | 115 |
| Noncurrent loans to loans | 13.1128% | 244 |
| Net loans and leases to total assets | 51.3157% | 6,340 |
| Net loans and leases to deposits | 92.2886% | 1,572 |
| Net loans and leases to core deposits | 97.1395% | 2,442 |
| Total domestic deposits to total assets | 55.6034% | 7,801 |
| Equity capital to assets | 26.2831% | 126 |
| Core capital (leverage) ratio | 12.8501% | 1,272 |
| Tier 1 risk-based capital ratio | 37.8418% | 291 |
| Total risk-based capital ratio | 39.1574% | 281 |
| Memoranda: | ||
| Average total assets | $59,817,500 | 6,392 |
| Average earning assets | $50,746,500 | 6,517 |
| Average equity | $10,665,000 | 5,055 |
| Average total loans | $21,699,000 | 7,068 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 7,819 |
| Cost of funding earning assets | 1.2015% | 6,653 |
| Net interest margin | 2.3555% | 7,536 |
| Noninterest income to average assets | 0.1489% | 6,990 |
| Noninterest expense to average assets | 1.6528% | 7,739 |
| Loan and lease loss provision to assets | 0.3826% | 4,494 |
| Net operating income to assets | 0.3152% | 4,473 |
| Return on assets (ROA) | 0.5074% | 3,795 |
| Pretax return on assets | 0.5212% | 4,129 |
| Return on Equity (ROE) | 4.1921% | 4,006 |
| Retained earnings to average equity (ytd only) | 0.4164% | 4,677 |
| Net charge-offs to loans | 0.5763% | 3,487 |
| Credit loss provision to net charge-offs | 251.1278% | 1,409 |
| Earnings coverage of net charge-offs (x) | 4.6316% | 2,874 |
| Efficiency ratio | 70.0826% | 4,607 |
| Assets per employee ($millions) | 8.8590% | 368 |
| Cash dividends to net income (ytd only)* | 90.0677% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 2,024 |
| Loan loss allowance to noncurrent loans | 19.2123% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 7.8200% | 590 |
| Noncurrent loans to loans | 10.4157% | 380 |
| Net loans and leases to total assets | 26.9644% | 7,773 |
| Net loans and leases to deposits | 35.4728% | 7,735 |
| Net loans and leases to core deposits | 39.3164% | 7,768 |
| Total domestic deposits to total assets | 76.0143% | 6,679 |
| Equity capital to assets | 13.5982% | 1,280 |
| Core capital (leverage) ratio | 12.7179% | 1,345 |
| Tier 1 risk-based capital ratio | 32.0410% | 443 |
| Total risk-based capital ratio | 33.3229% | 433 |
| Memoranda: | ||
| Average total assets | $87,304,000 | 5,477 |
| Average earning assets | $81,894,600 | 5,400 |
| Average equity | $10,567,400 | 5,136 |
| Average total loans | $23,077,800 | 7,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 7,923 |
| Cost of funding earning assets | 1.2517% | 6,714 |
| Net interest margin | 2.3011% | 7,642 |
| Noninterest income to average assets | 0.1106% | 7,350 |
| Noninterest expense to average assets | 1.5860% | 7,843 |
| Loan and lease loss provision to assets | 0.0837% | 6,531 |
| Net operating income to assets | 0.5994% | 3,606 |
| Return on assets (ROA) | 0.6009% | 3,654 |
| Pretax return on assets | 0.6188% | 4,134 |
| Return on Equity (ROE) | 5.1053% | 3,921 |
| Retained earnings to average equity (ytd only) | 0.8001% | 4,844 |
| Net charge-offs to loans | 0.0228% | 6,572 |
| Credit loss provision to net charge-offs | 1,400.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 117.3208% | 316 |
| Efficiency ratio | 69.3464% | 4,720 |
| Assets per employee ($millions) | 9.1098% | 355 |
| Cash dividends to net income (ytd only)* | 84.3281% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,464 |
| Loan loss allowance to noncurrent loans | 27.3843% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 4.2665% | 1,461 |
| Noncurrent loans to loans | 4.7705% | 1,429 |
| Net loans and leases to total assets | 26.7222% | 7,868 |
| Net loans and leases to deposits | 34.8675% | 7,847 |
| Net loans and leases to core deposits | 38.3460% | 7,870 |
| Total domestic deposits to total assets | 76.6393% | 6,438 |
| Equity capital to assets | 13.3019% | 1,576 |
| Core capital (leverage) ratio | 12.1858% | 1,714 |
| Tier 1 risk-based capital ratio | 33.4094% | 422 |
| Total risk-based capital ratio | 34.3553% | 425 |
| Memoranda: | ||
| Average total assets | $89,197,250 | 5,449 |
| Average earning assets | $84,361,500 | 5,363 |
| Average equity | $10,498,750 | 5,203 |
| Average total loans | $23,362,750 | 7,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 8,003 |
| Cost of funding earning assets | 1.3317% | 6,703 |
| Net interest margin | 2.3195% | 7,665 |
| Noninterest income to average assets | 0.2031% | 6,840 |
| Noninterest expense to average assets | 1.5895% | 7,920 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7817% | 2,924 |
| Return on assets (ROA) | 0.7838% | 3,008 |
| Pretax return on assets | 0.8100% | 3,641 |
| Return on Equity (ROE) | 6.9285% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.2809% | 3,495 |
| Net charge-offs to loans | 0.0421% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 510 |
| Efficiency ratio | 66.3024% | 5,499 |
| Assets per employee ($millions) | 9.4981% | 303 |
| Cash dividends to net income (ytd only)* | 52.6462% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7725% | 2,322 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 25.9642% | 7,963 |
| Net loans and leases to deposits | 34.3677% | 7,930 |
| Net loans and leases to core deposits | 37.9759% | 7,956 |
| Total domestic deposits to total assets | 75.5484% | 6,647 |
| Equity capital to assets | 12.4305% | 1,958 |
| Core capital (leverage) ratio | 11.8873% | 1,879 |
| Tier 1 risk-based capital ratio | 33.4627% | 460 |
| Total risk-based capital ratio | 34.2161% | 459 |
| Memoranda: | ||
| Average total assets | $91,600,330 | 5,420 |
| Average earning assets | $86,657,000 | 5,312 |
| Average equity | $10,363,000 | 5,263 |
| Average total loans | $23,750,670 | 7,102 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 8,044 |
| Cost of funding earning assets | 1.5648% | 6,178 |
| Net interest margin | 2.2165% | 7,782 |
| Noninterest income to average assets | 0.1944% | 6,905 |
| Noninterest expense to average assets | 1.4579% | 8,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7987% | 3,138 |
| Return on assets (ROA) | 0.7987% | 3,298 |
| Pretax return on assets | 0.8494% | 3,894 |
| Return on Equity (ROE) | 7.3889% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.3889% | 2,058 |
| Net charge-offs to loans | 0.0164% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 210 |
| Efficiency ratio | 63.1868% | 5,836 |
| Assets per employee ($millions) | 9.8616% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,295 |
| Loan loss allowance to noncurrent loans | 36.4615% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 3.4027% | 1,598 |
| Noncurrent loans to loans | 2.6916% | 2,442 |
| Net loans and leases to total assets | 26.9419% | 7,981 |
| Net loans and leases to deposits | 36.4673% | 7,933 |
| Net loans and leases to core deposits | 40.8445% | 7,962 |
| Total domestic deposits to total assets | 73.8795% | 6,913 |
| Equity capital to assets | 11.7313% | 2,423 |
| Core capital (leverage) ratio | 10.6101% | 2,822 |
| Tier 1 risk-based capital ratio | 32.2549% | 518 |
| Total risk-based capital ratio | 32.9922% | 530 |
| Memoranda: | ||
| Average total assets | $94,659,000 | 5,348 |
| Average earning assets | $90,233,500 | 5,213 |
| Average equity | $10,231,500 | 5,316 |
| Average total loans | $24,412,000 | 7,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 7,049 |
| Cost of funding earning assets | 2.4168% | 4,646 |
| Net interest margin | 3.1879% | 6,397 |
| Noninterest income to average assets | 0.2444% | 6,696 |
| Noninterest expense to average assets | 1.5179% | 8,026 |
| Loan and lease loss provision to assets | 0.2067% | 4,825 |
| Net operating income to assets | 1.5161% | 986 |
| Return on assets (ROA) | 1.6310% | 749 |
| Pretax return on assets | 1.7350% | 1,075 |
| Return on Equity (ROE) | 13.9374% | 1,121 |
| Retained earnings to average equity (ytd only) | 0.5173% | 4,925 |
| Net charge-offs to loans | 1.6979% | 650 |
| Credit loss provision to net charge-offs | 38.7580% | 6,464 |
| Earnings coverage of net charge-offs (x) | 3.4111% | 4,382 |
| Efficiency ratio | 45.4825% | 7,949 |
| Assets per employee ($millions) | 11.1738% | 200 |
| Cash dividends to net income (ytd only)* | 96.2885% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 6,301 |
| Loan loss allowance to noncurrent loans | 57.4879% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 2,771 |
| Noncurrent loans to loans | 1.6778% | 3,254 |
| Net loans and leases to total assets | 24.2999% | 8,101 |
| Net loans and leases to deposits | 30.5039% | 8,110 |
| Net loans and leases to core deposits | 39.7395% | 8,057 |
| Total domestic deposits to total assets | 79.6617% | 5,144 |
| Equity capital to assets | 9.9946% | 4,041 |
| Core capital (leverage) ratio | 9.9886% | 3,459 |
| Tier 1 risk-based capital ratio | 29.8469% | 650 |
| Total risk-based capital ratio | 30.5448% | 667 |
| Memoranda: | ||
| Average total assets | $87,552,600 | 5,433 |
| Average earning assets | $84,946,600 | 5,272 |
| Average equity | $10,245,800 | 5,329 |
| Average total loans | $27,503,800 | 6,876 |