Home > Bank of Lumber City > Performance and Condition Ratios
Bank of Lumber City, 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 | 6.1946% | 498 |
| Cost of funding earning assets | 1.0423% | 3,206 |
| Net interest margin | 5.1523% | 273 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 5.7535% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2628% | 4,478 |
| Return on assets (ROA) | -0.3555% | 4,479 |
| Pretax return on assets | -0.3555% | 4,465 |
| Return on Equity (ROE) | -3.3100% | 4,448 |
| Retained earnings to average equity (ytd only) | -3.3108% | 4,342 |
| Net charge-offs to loans | 0.0654% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -7.5556% | 4,548 |
| Efficiency ratio | 104.7854% | 146 |
| Assets per employee ($millions) | 2.2456% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,656 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.0600% | 3,276 |
| Net loans and leases to deposits | 65.4098% | 3,208 |
| Net loans and leases to core deposits | 65.4098% | 3,521 |
| Total domestic deposits to total assets | 84.1700% | 2,573 |
| Equity capital to assets | 13.9139% | 702 |
| Core capital (leverage) ratio | 10.5420% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $25,880,000 | 4,492 |
| Average earning assets | $21,970,600 | 4,471 |
| Average equity | $2,778,800 | 4,443 |
| Average total loans | $13,770,400 | 4,369 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0800% | 481 |
| Cost of funding earning assets | 0.9123% | 3,244 |
| Net interest margin | 5.1677% | 264 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 5.7867% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.3362% | 4,516 |
| Return on assets (ROA) | -0.4585% | 4,520 |
| Pretax return on assets | -0.4585% | 4,512 |
| Return on Equity (ROE) | -4.5900% | 4,498 |
| Retained earnings to average equity (ytd only) | -4.5901% | 4,417 |
| Net charge-offs to loans | 0.0484% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -13.2000% | 4,602 |
| Efficiency ratio | 106.1682% | 124 |
| Assets per employee ($millions) | 2.3105% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 1,720 |
| Loan loss allowance to noncurrent loans | 1,430.7692% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,292 |
| Noncurrent loans to loans | 0.0932% | 3,107 |
| Net loans and leases to total assets | 54.1300% | 3,351 |
| Net loans and leases to deposits | 63.0534% | 3,323 |
| Net loans and leases to core deposits | 63.9622% | 3,525 |
| Total domestic deposits to total assets | 85.8500% | 2,245 |
| Equity capital to assets | 12.2369% | 982 |
| Core capital (leverage) ratio | 10.2054% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1045% | 1,530 |
| Memoranda: | ||
| Average total assets | $26,174,500 | 4,515 |
| Average earning assets | $22,214,500 | 4,498 |
| Average equity | $2,614,250 | 4,473 |
| Average total loans | $13,767,250 | 4,391 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0489% | 422 |
| Cost of funding earning assets | 0.8438% | 3,087 |
| Net interest margin | 5.2050% | 241 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 5.5321% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0605% | 4,497 |
| Return on assets (ROA) | -0.2422% | 4,527 |
| Pretax return on assets | -0.2422% | 4,518 |
| Return on Equity (ROE) | -2.6100% | 4,506 |
| Retained earnings to average equity (ytd only) | -2.6133% | 4,324 |
| Net charge-offs to loans | 0.0729% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -1.6000% | 4,616 |
| Efficiency ratio | 101.1065% | 158 |
| Assets per employee ($millions) | 2.8189% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,769 |
| Loan loss allowance to noncurrent loans | 1,240.0000% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,172 |
| Noncurrent loans to loans | 0.1078% | 2,940 |
| Net loans and leases to total assets | 54.1100% | 3,268 |
| Net loans and leases to deposits | 61.1329% | 3,358 |
| Net loans and leases to core deposits | 62.7193% | 3,509 |
| Total domestic deposits to total assets | 88.5100% | 1,422 |
| Equity capital to assets | 9.5940% | 2,097 |
| Core capital (leverage) ratio | 5.8455% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6260% | 2,931 |
| Memoranda: | ||
| Average total assets | $26,427,667 | 4,540 |
| Average earning assets | $22,516,667 | 4,525 |
| Average equity | $2,449,000 | 4,512 |
| Average total loans | $13,708,667 | 4,418 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5374% | 587 |
| Cost of funding earning assets | 0.5208% | 3,628 |
| Net interest margin | 5.0166% | 297 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 5.2974% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0000% | 4,480 |
| Return on assets (ROA) | -0.3561% | 4,560 |
| Pretax return on assets | -0.3561% | 4,551 |
| Return on Equity (ROE) | -3.9100% | 4,540 |
| Retained earnings to average equity (ytd only) | -3.9080% | 4,284 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.0000% | 170 |
| Assets per employee ($millions) | 2.8051% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 1,757 |
| Loan loss allowance to noncurrent loans | 1,910.0000% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,427 |
| Noncurrent loans to loans | 0.0715% | 3,221 |
| Net loans and leases to total assets | 49.1600% | 3,551 |
| Net loans and leases to deposits | 55.0078% | 3,629 |
| Net loans and leases to core deposits | 56.2760% | 3,726 |
| Total domestic deposits to total assets | 89.3800% | 1,388 |
| Equity capital to assets | 8.8624% | 2,623 |
| Core capital (leverage) ratio | 6.0542% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.1574% | 3,017 |
| Memoranda: | ||
| Average total assets | $26,956,500 | 4,596 |
| Average earning assets | $23,043,500 | 4,583 |
| Average equity | $2,456,500 | 4,577 |
| Average total loans | $13,606,000 | 4,477 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2739% | 4,571 |
| Cost of funding earning assets | 0.0720% | 4,503 |
| Net interest margin | 2.2018% | 4,479 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0668% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2733% | 4,392 |
| Return on assets (ROA) | 0.2733% | 4,369 |
| Pretax return on assets | 0.2733% | 4,391 |
| Return on Equity (ROE) | 2.3200% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.3168% | 3,913 |
| Net charge-offs to loans | -0.1927% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.3224% | 348 |
| Assets per employee ($millions) | 2.8736% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,254 |
| Loan loss allowance to noncurrent loans | 1,031.5789% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,052 |
| Noncurrent loans to loans | 0.1436% | 2,794 |
| Net loans and leases to total assets | 50.4000% | 3,475 |
| Net loans and leases to deposits | 56.8649% | 3,522 |
| Net loans and leases to core deposits | 58.2916% | 3,597 |
| Total domestic deposits to total assets | 88.6300% | 1,835 |
| Equity capital to assets | 9.3844% | 2,084 |
| Core capital (leverage) ratio | 9.5353% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $25,982,800 | 4,640 |
| Average earning assets | $22,208,600 | 4,622 |
| Average equity | $3,064,600 | 4,606 |
| Average total loans | $12,453,400 | 4,522 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2409% | 4,685 |
| Cost of funding earning assets | 0.0420% | 4,609 |
| Net interest margin | 1.1990% | 4,678 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.1584% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1230% | 4,532 |
| Return on assets (ROA) | 0.1230% | 4,500 |
| Pretax return on assets | 0.1230% | 4,504 |
| Return on Equity (ROE) | 0.9900% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.9925% | 4,216 |
| Net charge-offs to loans | -0.2610% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.4000% | 309 |
| Assets per employee ($millions) | 2.8811% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,060 |
| Loan loss allowance to noncurrent loans | 890.9091% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,075 |
| Noncurrent loans to loans | 0.1799% | 2,687 |
| Net loans and leases to total assets | 46.4100% | 3,732 |
| Net loans and leases to deposits | 51.8798% | 3,741 |
| Net loans and leases to core deposits | 52.4680% | 3,833 |
| Total domestic deposits to total assets | 89.4500% | 1,895 |
| Equity capital to assets | 8.4998% | 2,549 |
| Core capital (leverage) ratio | 12.2385% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,013,000 | 4,674 |
| Average earning assets | $22,241,000 | 4,657 |
| Average equity | $3,224,000 | 4,638 |
| Average total loans | $12,259,250 | 4,558 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 408 |
| Cost of funding earning assets | 0.1764% | 3,225 |
| Net interest margin | 4.2684% | 292 |
| Noninterest income to average assets | 0.9984% | 670 |
| Noninterest expense to average assets | 5.5452% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.8295% | 4,705 |
| Return on assets (ROA) | -0.8295% | 4,696 |
| Pretax return on assets | -0.8295% | 4,688 |
| Return on Equity (ROE) | -6.0606% | 4,692 |
| Retained earnings to average equity (ytd only) | -6.0606% | 4,572 |
| Net charge-offs to loans | -0.3912% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5896% | 86 |
| Assets per employee ($millions) | 2.6299% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,213 |
| Loan loss allowance to noncurrent loans | 190.2913% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 1,441 |
| Noncurrent loans to loans | 0.8263% | 1,039 |
| Net loans and leases to total assets | 46.6520% | 3,668 |
| Net loans and leases to deposits | 54.0913% | 3,530 |
| Net loans and leases to core deposits | 54.7186% | 3,654 |
| Total domestic deposits to total assets | 86.2466% | 3,183 |
| Equity capital to assets | 11.7533% | 947 |
| Core capital (leverage) ratio | 15.3584% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,040,667 | 4,709 |
| Average earning assets | $22,678,333 | 4,705 |
| Average equity | $3,564,000 | 4,648 |
| Average total loans | $12,269,333 | 4,623 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 349 |
| Cost of funding earning assets | 0.1768% | 3,128 |
| Net interest margin | 4.2775% | 249 |
| Noninterest income to average assets | 1.0034% | 673 |
| Noninterest expense to average assets | 5.0171% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2779% | 4,658 |
| Return on assets (ROA) | -0.3242% | 4,654 |
| Pretax return on assets | -0.3242% | 4,638 |
| Return on Equity (ROE) | -2.2102% | 4,643 |
| Retained earnings to average equity (ytd only) | -2.2102% | 4,263 |
| Net charge-offs to loans | -0.2958% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8632% | 168 |
| Assets per employee ($millions) | 2.3295% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,630 |
| Loan loss allowance to noncurrent loans | 646.4286% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 3,042 |
| Noncurrent loans to loans | 0.2283% | 2,682 |
| Net loans and leases to total assets | 47.1589% | 3,473 |
| Net loans and leases to deposits | 56.0560% | 3,263 |
| Net loans and leases to core deposits | 57.5538% | 3,341 |
| Total domestic deposits to total assets | 84.1282% | 3,742 |
| Equity capital to assets | 13.8230% | 553 |
| Core capital (leverage) ratio | 15.3811% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,911,500 | 4,737 |
| Average earning assets | $22,630,000 | 4,725 |
| Average equity | $3,800,500 | 4,670 |
| Average total loans | $12,171,500 | 4,652 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6371% | 48 |
| Cost of funding earning assets | 0.1794% | 3,665 |
| Net interest margin | 6.4577% | 41 |
| Noninterest income to average assets | 1.1104% | 846 |
| Noninterest expense to average assets | 6.0282% | 126 |
| Loan and lease loss provision to assets | 0.1806% | 638 |
| Net operating income to assets | 0.5629% | 3,952 |
| Return on assets (ROA) | 0.4726% | 4,180 |
| Pretax return on assets | 0.4803% | 4,282 |
| Return on Equity (ROE) | 2.9975% | 4,360 |
| Retained earnings to average equity (ytd only) | 2.9975% | 3,630 |
| Net charge-offs to loans | 0.0297% | 1,645 |
| Credit loss provision to net charge-offs | 1,175.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,309 |
| Efficiency ratio | 88.8952% | 361 |
| Assets per employee ($millions) | 2.1833% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,825 |
| Loan loss allowance to noncurrent loans | 491.4286% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 3,004 |
| Noncurrent loans to loans | 0.2898% | 2,555 |
| Net loans and leases to total assets | 45.4445% | 3,730 |
| Net loans and leases to deposits | 55.0516% | 3,515 |
| Net loans and leases to core deposits | 56.5149% | 3,579 |
| Total domestic deposits to total assets | 82.5490% | 3,887 |
| Equity capital to assets | 15.4930% | 436 |
| Core capital (leverage) ratio | 15.1401% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,027,600 | 4,770 |
| Average earning assets | $22,856,400 | 4,763 |
| Average equity | $4,103,400 | 4,697 |
| Average total loans | $13,482,400 | 4,675 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8483% | 46 |
| Cost of funding earning assets | 0.1867% | 3,746 |
| Net interest margin | 6.6616% | 40 |
| Noninterest income to average assets | 1.0673% | 970 |
| Noninterest expense to average assets | 4.7052% | 197 |
| Loan and lease loss provision to assets | 0.0346% | 2,307 |
| Net operating income to assets | 2.1858% | 335 |
| Return on assets (ROA) | 2.0884% | 425 |
| Pretax return on assets | 2.0884% | 687 |
| Return on Equity (ROE) | 13.1888% | 1,642 |
| Retained earnings to average equity (ytd only) | 13.1888% | 611 |
| Net charge-offs to loans | 0.0578% | 1,069 |
| Credit loss provision to net charge-offs | 116.6667% | 1,477 |
| Earnings coverage of net charge-offs (x) | 72.1667% | 1,050 |
| Efficiency ratio | 67.9259% | 1,845 |
| Assets per employee ($millions) | 2.2190% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,029 |
| Loan loss allowance to noncurrent loans | 361.1111% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,211 |
| Noncurrent loans to loans | 0.2606% | 2,884 |
| Net loans and leases to total assets | 51.3820% | 3,259 |
| Net loans and leases to deposits | 63.0187% | 2,955 |
| Net loans and leases to core deposits | 64.6842% | 3,071 |
| Total domestic deposits to total assets | 81.5345% | 4,009 |
| Equity capital to assets | 16.3775% | 379 |
| Core capital (leverage) ratio | 16.2807% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,984,750 | 4,844 |
| Average earning assets | $22,856,750 | 4,834 |
| Average equity | $4,114,500 | 4,766 |
| Average total loans | $13,833,500 | 4,743 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6857% | 54 |
| Cost of funding earning assets | 0.1948% | 3,806 |
| Net interest margin | 6.4908% | 46 |
| Noninterest income to average assets | 1.0632% | 972 |
| Noninterest expense to average assets | 4.5634% | 212 |
| Loan and lease loss provision to assets | 0.0310% | 2,360 |
| Net operating income to assets | 2.1575% | 369 |
| Return on assets (ROA) | 2.0489% | 474 |
| Pretax return on assets | 2.0489% | 754 |
| Return on Equity (ROE) | 13.0942% | 1,675 |
| Retained earnings to average equity (ytd only) | 13.0942% | 697 |
| Net charge-offs to loans | 0.0578% | 1,032 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 897 |
| Efficiency ratio | 67.5862% | 1,927 |
| Assets per employee ($millions) | 2.5323% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 4,054 |
| Loan loss allowance to noncurrent loans | 322.5000% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 3,202 |
| Noncurrent loans to loans | 0.2896% | 2,890 |
| Net loans and leases to total assets | 54.0418% | 3,127 |
| Net loans and leases to deposits | 66.5807% | 2,772 |
| Net loans and leases to core deposits | 68.4421% | 2,923 |
| Total domestic deposits to total assets | 81.1673% | 4,069 |
| Equity capital to assets | 16.6094% | 363 |
| Core capital (leverage) ratio | 15.8542% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,770,333 | 4,880 |
| Average earning assets | $22,585,667 | 4,873 |
| Average equity | $4,032,333 | 4,803 |
| Average total loans | $13,840,667 | 4,775 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 787 |
| Cost of funding earning assets | 0.1922% | 3,989 |
| Net interest margin | 4.2974% | 518 |
| Noninterest income to average assets | 1.0772% | 1,017 |
| Noninterest expense to average assets | 4.3702% | 223 |
| Loan and lease loss provision to assets | 0.0154% | 2,579 |
| Net operating income to assets | 0.4770% | 4,220 |
| Return on assets (ROA) | 0.3693% | 4,446 |
| Pretax return on assets | 0.3693% | 4,529 |
| Return on Equity (ROE) | 2.4332% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.4332% | 3,925 |
| Net charge-offs to loans | 0.1155% | 613 |
| Credit loss provision to net charge-offs | 25.0000% | 1,400 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,594 |
| Efficiency ratio | 89.8734% | 374 |
| Assets per employee ($millions) | 2.3958% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,160 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 2,791 |
| Noncurrent loans to loans | 0.5131% | 2,319 |
| Net loans and leases to total assets | 52.7662% | 3,373 |
| Net loans and leases to deposits | 63.5035% | 3,170 |
| Net loans and leases to core deposits | 65.1823% | 3,302 |
| Total domestic deposits to total assets | 83.0918% | 3,665 |
| Equity capital to assets | 14.8554% | 518 |
| Core capital (leverage) ratio | 14.9448% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,994,000 | 4,903 |
| Average earning assets | $22,897,500 | 4,891 |
| Average equity | $3,945,500 | 4,828 |
| Average total loans | $13,854,000 | 4,800 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5556% | 172 |
| Cost of funding earning assets | 0.3691% | 3,772 |
| Net interest margin | 5.1865% | 96 |
| Noninterest income to average assets | 1.0527% | 959 |
| Noninterest expense to average assets | 5.0778% | 188 |
| Loan and lease loss provision to assets | 0.0968% | 3,137 |
| Net operating income to assets | 0.4114% | 4,224 |
| Return on assets (ROA) | 0.3953% | 4,334 |
| Pretax return on assets | 0.3953% | 4,428 |
| Return on Equity (ROE) | 2.5361% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.5361% | 3,577 |
| Net charge-offs to loans | -0.0142% | 4,335 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9025% | 342 |
| Assets per employee ($millions) | 2.3304% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,063 |
| Loan loss allowance to noncurrent loans | 222.4138% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,151 |
| Noncurrent loans to loans | 0.4241% | 2,708 |
| Net loans and leases to total assets | 52.8478% | 3,591 |
| Net loans and leases to deposits | 64.1096% | 3,430 |
| Net loans and leases to core deposits | 66.6978% | 3,484 |
| Total domestic deposits to total assets | 82.4335% | 3,553 |
| Equity capital to assets | 15.5106% | 485 |
| Core capital (leverage) ratio | 15.0152% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,794,000 | 4,914 |
| Average earning assets | $21,671,800 | 4,912 |
| Average equity | $3,864,200 | 4,853 |
| Average total loans | $14,051,200 | 4,820 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 278 |
| Cost of funding earning assets | 0.3916% | 3,848 |
| Net interest margin | 5.0104% | 135 |
| Noninterest income to average assets | 1.0521% | 943 |
| Noninterest expense to average assets | 5.0384% | 186 |
| Loan and lease loss provision to assets | 0.0976% | 3,103 |
| Net operating income to assets | 0.2874% | 4,463 |
| Return on assets (ROA) | 0.2983% | 4,499 |
| Pretax return on assets | 0.2983% | 4,550 |
| Return on Equity (ROE) | 1.9115% | 4,558 |
| Retained earnings to average equity (ytd only) | 1.9115% | 3,959 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9000% | 287 |
| Assets per employee ($millions) | 2.3178% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,141 |
| Loan loss allowance to noncurrent loans | 205.0847% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 3,291 |
| Noncurrent loans to loans | 0.4274% | 2,776 |
| Net loans and leases to total assets | 53.6672% | 3,832 |
| Net loans and leases to deposits | 65.1509% | 3,683 |
| Net loans and leases to core deposits | 67.7913% | 3,765 |
| Total domestic deposits to total assets | 82.3737% | 3,322 |
| Equity capital to assets | 15.3318% | 564 |
| Core capital (leverage) ratio | 15.1215% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,584,000 | 4,945 |
| Average earning assets | $21,448,250 | 4,946 |
| Average equity | $3,836,250 | 4,879 |
| Average total loans | $14,145,000 | 4,850 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 333 |
| Cost of funding earning assets | 0.4136% | 3,976 |
| Net interest margin | 5.0952% | 172 |
| Noninterest income to average assets | 1.0544% | 895 |
| Noninterest expense to average assets | 5.1730% | 179 |
| Loan and lease loss provision to assets | 0.0988% | 3,039 |
| Net operating income to assets | 0.2471% | 4,511 |
| Return on assets (ROA) | 0.2801% | 4,496 |
| Pretax return on assets | 0.2801% | 4,559 |
| Return on Equity (ROE) | 1.7838% | 4,567 |
| Retained earnings to average equity (ytd only) | 1.7838% | 3,839 |
| Net charge-offs to loans | 0.0421% | 1,901 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,967 |
| Efficiency ratio | 93.7313% | 302 |
| Assets per employee ($millions) | 2.3079% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 4,387 |
| Loan loss allowance to noncurrent loans | 141.7722% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,068 |
| Noncurrent loans to loans | 0.5509% | 2,517 |
| Net loans and leases to total assets | 56.0444% | 3,679 |
| Net loans and leases to deposits | 67.9855% | 3,564 |
| Net loans and leases to core deposits | 71.6776% | 3,609 |
| Total domestic deposits to total assets | 82.4359% | 3,260 |
| Equity capital to assets | 15.3110% | 567 |
| Core capital (leverage) ratio | 15.4528% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,280,000 | 4,977 |
| Average earning assets | $21,275,000 | 4,976 |
| Average equity | $3,812,000 | 4,912 |
| Average total loans | $14,258,667 | 4,877 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 203 |
| Cost of funding earning assets | 0.4636% | 4,099 |
| Net interest margin | 5.3891% | 105 |
| Noninterest income to average assets | 1.1970% | 610 |
| Noninterest expense to average assets | 5.3948% | 182 |
| Loan and lease loss provision to assets | 0.1012% | 2,422 |
| Net operating income to assets | 0.4046% | 4,125 |
| Return on assets (ROA) | 0.4046% | 4,162 |
| Pretax return on assets | 0.4046% | 4,286 |
| Return on Equity (ROE) | 2.5434% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.5434% | 3,252 |
| Net charge-offs to loans | -0.1125% | 4,841 |
| Credit loss provision to net charge-offs | -150.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4286% | 449 |
| Assets per employee ($millions) | 1.9753% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,432 |
| Loan loss allowance to noncurrent loans | 124.1758% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 2,907 |
| Noncurrent loans to loans | 0.6389% | 2,394 |
| Net loans and leases to total assets | 59.6127% | 3,538 |
| Net loans and leases to deposits | 72.7863% | 3,377 |
| Net loans and leases to core deposits | 75.7966% | 3,509 |
| Total domestic deposits to total assets | 81.9010% | 3,447 |
| Equity capital to assets | 15.7237% | 628 |
| Core capital (leverage) ratio | 16.2155% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,726,500 | 5,027 |
| Average earning assets | $20,708,500 | 5,025 |
| Average equity | $3,774,500 | 4,958 |
| Average total loans | $14,218,000 | 4,921 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9030% | 263 |
| Cost of funding earning assets | 0.5170% | 4,008 |
| Net interest margin | 5.3859% | 134 |
| Noninterest income to average assets | 1.2348% | 619 |
| Noninterest expense to average assets | 5.3565% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5715% | 4,244 |
| Return on assets (ROA) | 0.5966% | 4,230 |
| Pretax return on assets | 0.5966% | 4,419 |
| Return on Equity (ROE) | 3.8365% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.8365% | 3,052 |
| Net charge-offs to loans | 0.1349% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.6111% | 2,858 |
| Efficiency ratio | 90.3589% | 344 |
| Assets per employee ($millions) | 1.9792% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 4,519 |
| Loan loss allowance to noncurrent loans | 101.9802% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,694 |
| Noncurrent loans to loans | 0.7116% | 2,097 |
| Net loans and leases to total assets | 59.3263% | 3,647 |
| Net loans and leases to deposits | 72.6926% | 3,459 |
| Net loans and leases to core deposits | 75.6916% | 3,596 |
| Total domestic deposits to total assets | 81.6126% | 3,613 |
| Equity capital to assets | 16.0926% | 585 |
| Core capital (leverage) ratio | 15.9497% | 527 |
| Tier 1 risk-based capital ratio | 23.8301% | 846 |
| Total risk-based capital ratio | 24.4753% | 878 |
| Memoranda: | ||
| Average total assets | $23,971,000 | 5,082 |
| Average earning assets | $20,887,800 | 5,080 |
| Average equity | $3,727,400 | 5,015 |
| Average total loans | $13,345,200 | 4,996 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 289 |
| Cost of funding earning assets | 0.5096% | 4,104 |
| Net interest margin | 5.3953% | 142 |
| Noninterest income to average assets | 1.2431% | 589 |
| Noninterest expense to average assets | 5.2053% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7381% | 3,884 |
| Return on assets (ROA) | 0.7714% | 3,837 |
| Pretax return on assets | 0.7714% | 4,190 |
| Return on Equity (ROE) | 5.0038% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.0038% | 2,889 |
| Net charge-offs to loans | -0.0101% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5817% | 418 |
| Assets per employee ($millions) | 1.9590% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,026 |
| Loan loss allowance to noncurrent loans | 102.5210% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 2,499 |
| Noncurrent loans to loans | 0.8810% | 1,821 |
| Net loans and leases to total assets | 56.9423% | 3,969 |
| Net loans and leases to deposits | 70.0801% | 3,767 |
| Net loans and leases to core deposits | 73.0079% | 3,889 |
| Total domestic deposits to total assets | 81.2532% | 3,677 |
| Equity capital to assets | 16.2370% | 598 |
| Core capital (leverage) ratio | 16.0344% | 552 |
| Tier 1 risk-based capital ratio | 24.2347% | 825 |
| Total risk-based capital ratio | 25.0128% | 851 |
| Memoranda: | ||
| Average total assets | $24,026,250 | 5,160 |
| Average earning assets | $20,931,500 | 5,157 |
| Average equity | $3,703,750 | 5,092 |
| Average total loans | $13,133,250 | 5,079 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7045% | 403 |
| Cost of funding earning assets | 0.4973% | 4,126 |
| Net interest margin | 5.2072% | 197 |
| Noninterest income to average assets | 1.1984% | 593 |
| Noninterest expense to average assets | 5.1820% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6033% | 4,299 |
| Return on assets (ROA) | 0.5951% | 4,355 |
| Pretax return on assets | 0.5951% | 4,550 |
| Return on Equity (ROE) | 3.9280% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.9280% | 3,284 |
| Net charge-offs to loans | -0.0154% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5714% | 368 |
| Assets per employee ($millions) | 2.0098% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,894 |
| Loan loss allowance to noncurrent loans | 102.5210% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 2,573 |
| Noncurrent loans to loans | 0.9216% | 1,777 |
| Net loans and leases to total assets | 53.0351% | 4,288 |
| Net loans and leases to deposits | 64.6402% | 4,188 |
| Net loans and leases to core deposits | 67.2326% | 4,252 |
| Total domestic deposits to total assets | 82.0466% | 3,501 |
| Equity capital to assets | 15.5403% | 702 |
| Core capital (leverage) ratio | 15.2741% | 657 |
| Tier 1 risk-based capital ratio | 24.3271% | 816 |
| Total risk-based capital ratio | 25.1222% | 842 |
| Memoranda: | ||
| Average total assets | $24,199,000 | 5,207 |
| Average earning assets | $21,316,670 | 5,201 |
| Average equity | $3,666,000 | 5,135 |
| Average total loans | $13,008,330 | 5,129 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 355 |
| Cost of funding earning assets | 0.4701% | 4,204 |
| Net interest margin | 5.2466% | 187 |
| Noninterest income to average assets | 1.2872% | 513 |
| Noninterest expense to average assets | 4.9341% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9571% | 3,018 |
| Return on assets (ROA) | 0.9571% | 3,061 |
| Pretax return on assets | 0.9571% | 3,597 |
| Return on Equity (ROE) | 6.4000% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.4000% | 2,277 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7535% | 727 |
| Assets per employee ($millions) | 1.8815% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 4,086 |
| Loan loss allowance to noncurrent loans | 198.3607% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 3,616 |
| Noncurrent loans to loans | 0.4628% | 2,926 |
| Net loans and leases to total assets | 53.3892% | 4,244 |
| Net loans and leases to deposits | 64.5463% | 4,150 |
| Net loans and leases to core deposits | 67.0621% | 4,228 |
| Total domestic deposits to total assets | 82.7146% | 3,497 |
| Equity capital to assets | 15.0368% | 748 |
| Core capital (leverage) ratio | 15.2406% | 648 |
| Tier 1 risk-based capital ratio | 23.8795% | 852 |
| Total risk-based capital ratio | 24.6565% | 871 |
| Memoranda: | ||
| Average total assets | $24,239,500 | 5,263 |
| Average earning assets | $21,271,000 | 5,256 |
| Average equity | $3,625,000 | 5,189 |
| Average total loans | $13,056,000 | 5,187 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 368 |
| Cost of funding earning assets | 0.4159% | 3,891 |
| Net interest margin | 5.1295% | 210 |
| Noninterest income to average assets | 1.1952% | 643 |
| Noninterest expense to average assets | 5.6700% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0252% | 5,222 |
| Return on assets (ROA) | 0.0168% | 5,223 |
| Pretax return on assets | 0.0168% | 5,221 |
| Return on Equity (ROE) | 0.1118% | 5,223 |
| Retained earnings to average equity (ytd only) | 0.1118% | 4,952 |
| Net charge-offs to loans | 0.2912% | 667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.1622% | 3,709 |
| Efficiency ratio | 99.5582% | 147 |
| Assets per employee ($millions) | 1.7156% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 4,018 |
| Loan loss allowance to noncurrent loans | 189.0625% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 3,516 |
| Noncurrent loans to loans | 0.4949% | 2,788 |
| Net loans and leases to total assets | 53.3369% | 4,328 |
| Net loans and leases to deposits | 64.3736% | 4,230 |
| Net loans and leases to core deposits | 66.0531% | 4,352 |
| Total domestic deposits to total assets | 82.8552% | 3,378 |
| Equity capital to assets | 14.8716% | 736 |
| Core capital (leverage) ratio | 14.8357% | 725 |
| Tier 1 risk-based capital ratio | 23.4604% | 864 |
| Total risk-based capital ratio | 24.2358% | 891 |
| Memoranda: | ||
| Average total assets | $23,845,000 | 5,307 |
| Average earning assets | $20,918,200 | 5,304 |
| Average equity | $3,577,600 | 5,227 |
| Average total loans | $12,707,200 | 5,239 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 384 |
| Cost of funding earning assets | 0.4026% | 3,841 |
| Net interest margin | 5.0735% | 228 |
| Noninterest income to average assets | 1.1484% | 710 |
| Noninterest expense to average assets | 5.6298% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0336% | 5,310 |
| Return on assets (ROA) | -0.0448% | 5,314 |
| Pretax return on assets | -0.0448% | 5,310 |
| Return on Equity (ROE) | -0.2981% | 5,307 |
| Retained earnings to average equity (ytd only) | -0.2981% | 5,074 |
| Net charge-offs to loans | 0.2002% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -0.3158% | 3,426 |
| Efficiency ratio | 100.6006% | 147 |
| Assets per employee ($millions) | 1.9283% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,503 |
| Loan loss allowance to noncurrent loans | 136.2745% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 3,062 |
| Noncurrent loans to loans | 0.7661% | 2,174 |
| Net loans and leases to total assets | 52.5610% | 4,453 |
| Net loans and leases to deposits | 62.9286% | 4,398 |
| Net loans and leases to core deposits | 64.4808% | 4,493 |
| Total domestic deposits to total assets | 83.5248% | 3,111 |
| Equity capital to assets | 14.1336% | 913 |
| Core capital (leverage) ratio | 14.6652% | 786 |
| Tier 1 risk-based capital ratio | 22.8993% | 947 |
| Total risk-based capital ratio | 23.7716% | 965 |
| Memoranda: | ||
| Average total assets | $23,801,500 | 5,380 |
| Average earning assets | $20,866,000 | 5,375 |
| Average equity | $3,579,000 | 5,294 |
| Average total loans | $12,651,000 | 5,306 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 388 |
| Cost of funding earning assets | 0.3809% | 3,862 |
| Net interest margin | 5.0203% | 239 |
| Noninterest income to average assets | 1.1121% | 773 |
| Noninterest expense to average assets | 5.5262% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0171% | 5,350 |
| Return on assets (ROA) | -0.0257% | 5,346 |
| Pretax return on assets | -0.0257% | 5,344 |
| Return on Equity (ROE) | -0.1671% | 5,346 |
| Retained earnings to average equity (ytd only) | -0.1671% | 4,983 |
| Net charge-offs to loans | 0.3057% | 525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.1053% | 3,146 |
| Efficiency ratio | 100.3106% | 168 |
| Assets per employee ($millions) | 2.0223% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,367 |
| Loan loss allowance to noncurrent loans | 217.1875% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,703 |
| Noncurrent loans to loans | 0.4987% | 2,930 |
| Net loans and leases to total assets | 52.3076% | 4,459 |
| Net loans and leases to deposits | 63.0789% | 4,347 |
| Net loans and leases to core deposits | 63.8820% | 4,495 |
| Total domestic deposits to total assets | 82.9240% | 3,429 |
| Equity capital to assets | 14.7396% | 746 |
| Core capital (leverage) ratio | 15.3394% | 606 |
| Tier 1 risk-based capital ratio | 23.6382% | 870 |
| Total risk-based capital ratio | 24.5375% | 888 |
| Memoranda: | ||
| Average total assets | $23,379,330 | 5,447 |
| Average earning assets | $20,476,670 | 5,442 |
| Average equity | $3,591,000 | 5,356 |
| Average total loans | $12,429,670 | 5,368 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 362 |
| Cost of funding earning assets | 0.3786% | 3,746 |
| Net interest margin | 4.9811% | 233 |
| Noninterest income to average assets | 1.1511% | 697 |
| Noninterest expense to average assets | 5.5635% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0523% | 5,407 |
| Return on assets (ROA) | -0.0523% | 5,403 |
| Pretax return on assets | -0.0523% | 5,404 |
| Return on Equity (ROE) | -0.3335% | 5,399 |
| Retained earnings to average equity (ytd only) | -0.3335% | 4,838 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9494% | 169 |
| Assets per employee ($millions) | 1.9470% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,276 |
| Loan loss allowance to noncurrent loans | 216.4384% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,581 |
| Noncurrent loans to loans | 0.5977% | 2,752 |
| Net loans and leases to total assets | 51.5965% | 4,464 |
| Net loans and leases to deposits | 62.5551% | 4,297 |
| Net loans and leases to core deposits | 63.3873% | 4,458 |
| Total domestic deposits to total assets | 82.4816% | 3,817 |
| Equity capital to assets | 15.3013% | 603 |
| Core capital (leverage) ratio | 16.1125% | 471 |
| Tier 1 risk-based capital ratio | 24.6110% | 784 |
| Total risk-based capital ratio | 25.6752% | 780 |
| Memoranda: | ||
| Average total assets | $22,935,000 | 5,511 |
| Average earning assets | $20,076,000 | 5,505 |
| Average equity | $3,598,000 | 5,407 |
| Average total loans | $12,228,000 | 5,435 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 173 |
| Cost of funding earning assets | 0.4096% | 3,165 |
| Net interest margin | 5.3769% | 124 |
| Noninterest income to average assets | 1.3644% | 564 |
| Noninterest expense to average assets | 5.3953% | 176 |
| Loan and lease loss provision to assets | 0.2080% | 964 |
| Net operating income to assets | 0.0749% | 5,282 |
| Return on assets (ROA) | 0.2953% | 4,950 |
| Pretax return on assets | 0.2953% | 5,213 |
| Return on Equity (ROE) | 1.9416% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.9416% | 4,164 |
| Net charge-offs to loans | 0.0162% | 3,551 |
| Credit loss provision to net charge-offs | 2,500.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,414 |
| Efficiency ratio | 95.0183% | 269 |
| Assets per employee ($millions) | 1.7312% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,262 |
| Loan loss allowance to noncurrent loans | 147.6636% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 2,976 |
| Noncurrent loans to loans | 0.8740% | 2,041 |
| Net loans and leases to total assets | 53.6968% | 4,387 |
| Net loans and leases to deposits | 65.7437% | 4,211 |
| Net loans and leases to core deposits | 70.5652% | 4,138 |
| Total domestic deposits to total assets | 81.6760% | 3,946 |
| Equity capital to assets | 16.0890% | 503 |
| Core capital (leverage) ratio | 16.1879% | 449 |
| Tier 1 risk-based capital ratio | 24.6312% | 762 |
| Total risk-based capital ratio | 25.6954% | 755 |
| Memoranda: | ||
| Average total assets | $24,039,600 | 5,556 |
| Average earning assets | $19,286,200 | 5,575 |
| Average equity | $3,656,800 | 5,464 |
| Average total loans | $12,343,600 | 5,498 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 151 |
| Cost of funding earning assets | 0.4243% | 2,938 |
| Net interest margin | 5.4469% | 112 |
| Noninterest income to average assets | 1.3211% | 606 |
| Noninterest expense to average assets | 5.0771% | 214 |
| Loan and lease loss provision to assets | 0.2457% | 703 |
| Net operating income to assets | 0.2730% | 5,265 |
| Return on assets (ROA) | 0.5677% | 4,556 |
| Pretax return on assets | 0.5677% | 4,895 |
| Return on Equity (ROE) | 3.7826% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.7826% | 3,670 |
| Net charge-offs to loans | -0.0323% | 5,023 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7317% | 384 |
| Assets per employee ($millions) | 1.8034% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,370 |
| Loan loss allowance to noncurrent loans | 128.4553% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 2,962 |
| Noncurrent loans to loans | 1.0092% | 1,926 |
| Net loans and leases to total assets | 51.3138% | 4,626 |
| Net loans and leases to deposits | 62.6302% | 4,470 |
| Net loans and leases to core deposits | 67.0008% | 4,421 |
| Total domestic deposits to total assets | 81.9314% | 3,803 |
| Equity capital to assets | 15.9273% | 554 |
| Core capital (leverage) ratio | 15.7917% | 521 |
| Tier 1 risk-based capital ratio | 24.8986% | 765 |
| Total risk-based capital ratio | 25.9491% | 770 |
| Memoranda: | ||
| Average total assets | $24,423,000 | 5,612 |
| Average earning assets | $19,166,250 | 5,644 |
| Average equity | $3,665,750 | 5,525 |
| Average total loans | $12,368,750 | 5,560 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 164 |
| Cost of funding earning assets | 0.4410% | 2,682 |
| Net interest margin | 5.3643% | 129 |
| Noninterest income to average assets | 1.3576% | 580 |
| Noninterest expense to average assets | 4.8809% | 235 |
| Loan and lease loss provision to assets | 0.2424% | 697 |
| Net operating income to assets | 0.4606% | 4,824 |
| Return on assets (ROA) | 0.9051% | 2,937 |
| Pretax return on assets | 0.9051% | 3,914 |
| Return on Equity (ROE) | 6.1488% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1488% | 2,036 |
| Net charge-offs to loans | -0.2253% | 5,598 |
| Credit loss provision to net charge-offs | -214.2857% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4096% | 584 |
| Assets per employee ($millions) | 1.8895% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,818 |
| Loan loss allowance to noncurrent loans | 167.3913% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 3,619 |
| Noncurrent loans to loans | 0.7359% | 2,556 |
| Net loans and leases to total assets | 50.2667% | 4,690 |
| Net loans and leases to deposits | 60.7269% | 4,577 |
| Net loans and leases to core deposits | 62.8986% | 4,672 |
| Total domestic deposits to total assets | 82.7749% | 3,637 |
| Equity capital to assets | 15.2547% | 666 |
| Core capital (leverage) ratio | 14.9445% | 643 |
| Tier 1 risk-based capital ratio | 24.7087% | 785 |
| Total risk-based capital ratio | 25.7226% | 784 |
| Memoranda: | ||
| Average total assets | $24,749,330 | 5,656 |
| Average earning assets | $19,499,330 | 5,688 |
| Average equity | $3,643,000 | 5,568 |
| Average total loans | $12,429,000 | 5,608 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 209 |
| Cost of funding earning assets | 0.4220% | 2,794 |
| Net interest margin | 5.1447% | 172 |
| Noninterest income to average assets | 1.3686% | 562 |
| Noninterest expense to average assets | 4.7660% | 275 |
| Loan and lease loss provision to assets | 0.2415% | 637 |
| Net operating income to assets | 0.4830% | 4,659 |
| Return on assets (ROA) | 0.5313% | 4,501 |
| Pretax return on assets | 0.5313% | 4,896 |
| Return on Equity (ROE) | 3.6759% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.6759% | 3,604 |
| Net charge-offs to loans | -0.4519% | 5,735 |
| Credit loss provision to net charge-offs | -107.1429% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8035% | 739 |
| Assets per employee ($millions) | 1.9038% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,587 |
| Loan loss allowance to noncurrent loans | 143.2990% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 3,632 |
| Noncurrent loans to loans | 0.7818% | 2,506 |
| Net loans and leases to total assets | 49.5717% | 4,711 |
| Net loans and leases to deposits | 59.4832% | 4,600 |
| Net loans and leases to core deposits | 61.5759% | 4,684 |
| Total domestic deposits to total assets | 83.3374% | 3,724 |
| Equity capital to assets | 14.6788% | 715 |
| Core capital (leverage) ratio | 15.1187% | 586 |
| Tier 1 risk-based capital ratio | 23.8308% | 888 |
| Total risk-based capital ratio | 24.7324% | 908 |
| Memoranda: | ||
| Average total assets | $24,842,500 | 5,727 |
| Average earning assets | $19,904,000 | 5,750 |
| Average equity | $3,591,000 | 5,637 |
| Average total loans | $12,393,000 | 5,668 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7591% | 172 |
| Cost of funding earning assets | 0.4172% | 2,837 |
| Net interest margin | 5.3419% | 140 |
| Noninterest income to average assets | 1.4349% | 564 |
| Noninterest expense to average assets | 5.0201% | 256 |
| Loan and lease loss provision to assets | 0.2768% | 725 |
| Net operating income to assets | 0.6089% | 4,168 |
| Return on assets (ROA) | 0.6940% | 3,919 |
| Pretax return on assets | 0.6940% | 4,512 |
| Return on Equity (ROE) | 4.4692% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.4692% | 2,731 |
| Net charge-offs to loans | 0.8863% | 216 |
| Credit loss provision to net charge-offs | 59.0909% | 3,262 |
| Earnings coverage of net charge-offs (x) | 1.8909% | 3,923 |
| Efficiency ratio | 85.0036% | 908 |
| Assets per employee ($millions) | 2.0779% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,819 |
| Loan loss allowance to noncurrent loans | 169.2308% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 4,248 |
| Noncurrent loans to loans | 0.5251% | 3,278 |
| Net loans and leases to total assets | 49.1999% | 4,820 |
| Net loans and leases to deposits | 60.8471% | 4,620 |
| Net loans and leases to core deposits | 63.0389% | 4,689 |
| Total domestic deposits to total assets | 80.8582% | 4,366 |
| Equity capital to assets | 14.2330% | 817 |
| Core capital (leverage) ratio | 14.2592% | 746 |
| Tier 1 risk-based capital ratio | 22.2172% | 1,051 |
| Total risk-based capital ratio | 22.9242% | 1,102 |
| Memoranda: | ||
| Average total assets | $23,485,600 | 5,794 |
| Average earning assets | $19,655,800 | 5,806 |
| Average equity | $3,647,200 | 5,683 |
| Average total loans | $12,411,200 | 5,722 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8877% | 138 |
| Cost of funding earning assets | 0.4094% | 2,931 |
| Net interest margin | 5.4784% | 118 |
| Noninterest income to average assets | 1.3723% | 626 |
| Noninterest expense to average assets | 4.8608% | 294 |
| Loan and lease loss provision to assets | 0.2595% | 707 |
| Net operating income to assets | 0.8822% | 2,999 |
| Return on assets (ROA) | 0.9918% | 2,615 |
| Pretax return on assets | 0.9918% | 3,664 |
| Return on Equity (ROE) | 6.2458% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.2458% | 2,037 |
| Net charge-offs to loans | 0.8803% | 206 |
| Credit loss provision to net charge-offs | 54.8780% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.4146% | 3,576 |
| Efficiency ratio | 80.9798% | 1,303 |
| Assets per employee ($millions) | 1.8719% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 4,579 |
| Loan loss allowance to noncurrent loans | 214.5455% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 4,539 |
| Noncurrent loans to loans | 0.4505% | 3,661 |
| Net loans and leases to total assets | 49.6856% | 4,841 |
| Net loans and leases to deposits | 60.2081% | 4,743 |
| Net loans and leases to core deposits | 64.0345% | 4,724 |
| Total domestic deposits to total assets | 82.5231% | 3,771 |
| Equity capital to assets | 15.3935% | 648 |
| Core capital (leverage) ratio | 15.1647% | 600 |
| Tier 1 risk-based capital ratio | 24.2155% | 886 |
| Total risk-based capital ratio | 24.9983% | 907 |
| Memoranda: | ||
| Average total assets | $23,123,250 | 5,859 |
| Average earning assets | $19,543,000 | 5,872 |
| Average equity | $3,671,750 | 5,742 |
| Average total loans | $12,419,500 | 5,783 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8977% | 138 |
| Cost of funding earning assets | 0.3993% | 3,051 |
| Net interest margin | 5.4984% | 110 |
| Noninterest income to average assets | 1.4965% | 530 |
| Noninterest expense to average assets | 4.8769% | 289 |
| Loan and lease loss provision to assets | 0.2641% | 707 |
| Net operating income to assets | 1.0828% | 2,021 |
| Return on assets (ROA) | 1.1620% | 1,836 |
| Pretax return on assets | 1.1620% | 2,935 |
| Return on Equity (ROE) | 7.2388% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.2388% | 1,493 |
| Net charge-offs to loans | 1.3131% | 121 |
| Credit loss provision to net charge-offs | 36.5854% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.8659% | 3,357 |
| Efficiency ratio | 78.3593% | 1,734 |
| Assets per employee ($millions) | 1.7869% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 5,088 |
| Loan loss allowance to noncurrent loans | 187.2727% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,549 |
| Noncurrent loans to loans | 0.4609% | 3,718 |
| Net loans and leases to total assets | 50.9255% | 4,770 |
| Net loans and leases to deposits | 62.2632% | 4,635 |
| Net loans and leases to core deposits | 63.9459% | 4,751 |
| Total domestic deposits to total assets | 81.7908% | 4,059 |
| Equity capital to assets | 16.0525% | 536 |
| Core capital (leverage) ratio | 15.3562% | 546 |
| Tier 1 risk-based capital ratio | 24.4036% | 865 |
| Total risk-based capital ratio | 25.0997% | 898 |
| Memoranda: | ||
| Average total assets | $22,719,330 | 5,941 |
| Average earning assets | $19,533,000 | 5,946 |
| Average equity | $3,647,000 | 5,814 |
| Average total loans | $12,489,670 | 5,856 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 137 |
| Cost of funding earning assets | 0.3621% | 3,484 |
| Net interest margin | 5.5317% | 108 |
| Noninterest income to average assets | 1.3533% | 606 |
| Noninterest expense to average assets | 4.8611% | 292 |
| Loan and lease loss provision to assets | 0.2671% | 633 |
| Net operating income to assets | 1.1218% | 1,826 |
| Return on assets (ROA) | 1.2821% | 1,388 |
| Pretax return on assets | 1.2821% | 2,374 |
| Return on Equity (ROE) | 7.9867% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.9867% | 1,458 |
| Net charge-offs to loans | -0.0627% | 5,441 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,926 |
| Assets per employee ($millions) | 1.8139% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 2,440 |
| Loan loss allowance to noncurrent loans | 113.1579% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 3,123 |
| Noncurrent loans to loans | 1.2347% | 1,958 |
| Net loans and leases to total assets | 51.4779% | 4,680 |
| Net loans and leases to deposits | 62.3568% | 4,557 |
| Net loans and leases to core deposits | 64.0209% | 4,690 |
| Total domestic deposits to total assets | 82.5538% | 4,052 |
| Equity capital to assets | 15.4489% | 612 |
| Core capital (leverage) ratio | 16.1830% | 449 |
| Tier 1 risk-based capital ratio | 24.3306% | 886 |
| Total risk-based capital ratio | 25.4995% | 878 |
| Memoranda: | ||
| Average total assets | $22,464,000 | 6,008 |
| Average earning assets | $19,885,500 | 5,997 |
| Average equity | $3,606,000 | 5,871 |
| Average total loans | $12,768,000 | 5,905 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9869% | 133 |
| Cost of funding earning assets | 0.3370% | 3,827 |
| Net interest margin | 5.6499% | 101 |
| Noninterest income to average assets | 0.9531% | 1,313 |
| Noninterest expense to average assets | 5.6812% | 196 |
| Loan and lease loss provision to assets | 0.2789% | 654 |
| Net operating income to assets | -0.0186% | 5,879 |
| Return on assets (ROA) | 0.1162% | 5,774 |
| Pretax return on assets | 0.1162% | 5,781 |
| Return on Equity (ROE) | 0.7066% | 5,811 |
| Retained earnings to average equity (ytd only) | 0.7066% | 5,232 |
| Net charge-offs to loans | 1.5159% | 101 |
| Credit loss provision to net charge-offs | 32.0856% | 3,620 |
| Earnings coverage of net charge-offs (x) | 0.2995% | 4,240 |
| Efficiency ratio | 95.6182% | 416 |
| Assets per employee ($millions) | 1.6421% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,633 |
| Loan loss allowance to noncurrent loans | 105.4422% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,982 |
| Noncurrent loans to loans | 1.1115% | 2,115 |
| Net loans and leases to total assets | 61.2264% | 3,660 |
| Net loans and leases to deposits | 75.5841% | 3,310 |
| Net loans and leases to core deposits | 77.8579% | 3,561 |
| Total domestic deposits to total assets | 81.0044% | 4,483 |
| Equity capital to assets | 16.7190% | 439 |
| Core capital (leverage) ratio | 16.4509% | 420 |
| Tier 1 risk-based capital ratio | 22.9476% | 1,016 |
| Total risk-based capital ratio | 23.9615% | 1,039 |
| Memoranda: | ||
| Average total assets | $21,509,400 | 6,077 |
| Average earning assets | $18,991,600 | 6,068 |
| Average equity | $3,538,000 | 5,921 |
| Average total loans | $12,335,800 | 5,966 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8761% | 157 |
| Cost of funding earning assets | 0.3370% | 3,899 |
| Net interest margin | 5.5391% | 116 |
| Noninterest income to average assets | 0.7548% | 2,003 |
| Noninterest expense to average assets | 5.2466% | 238 |
| Loan and lease loss provision to assets | 0.2784% | 564 |
| Net operating income to assets | 0.1114% | 5,833 |
| Return on assets (ROA) | 0.2908% | 5,555 |
| Pretax return on assets | 0.2908% | 5,654 |
| Return on Equity (ROE) | 1.7752% | 5,719 |
| Retained earnings to average equity (ytd only) | 1.7752% | 4,990 |
| Net charge-offs to loans | 0.0991% | 2,157 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,967 |
| Efficiency ratio | 93.0845% | 519 |
| Assets per employee ($millions) | 1.6335% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4613% | 456 |
| Loan loss allowance to noncurrent loans | 78.5185% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 925 |
| Noncurrent loans to loans | 3.1347% | 542 |
| Net loans and leases to total assets | 59.3426% | 3,960 |
| Net loans and leases to deposits | 73.2887% | 3,616 |
| Net loans and leases to core deposits | 75.5018% | 3,855 |
| Total domestic deposits to total assets | 80.9710% | 4,481 |
| Equity capital to assets | 16.6981% | 469 |
| Core capital (leverage) ratio | 16.6136% | 415 |
| Tier 1 risk-based capital ratio | 23.4508% | 1,006 |
| Total risk-based capital ratio | 24.7140% | 992 |
| Memoranda: | ||
| Average total assets | $21,550,000 | 6,162 |
| Average earning assets | $18,991,750 | 6,154 |
| Average equity | $3,530,250 | 6,002 |
| Average total loans | $12,113,500 | 6,048 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 191 |
| Cost of funding earning assets | 0.3348% | 3,984 |
| Net interest margin | 5.3784% | 148 |
| Noninterest income to average assets | 0.3326% | 4,578 |
| Noninterest expense to average assets | 5.1650% | 261 |
| Loan and lease loss provision to assets | 0.2772% | 588 |
| Net operating income to assets | -0.3603% | 6,151 |
| Return on assets (ROA) | -0.1848% | 6,118 |
| Pretax return on assets | -0.1848% | 6,102 |
| Return on Equity (ROE) | -1.1348% | 6,089 |
| Retained earnings to average equity (ytd only) | -1.1348% | 5,711 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6364% | 288 |
| Assets per employee ($millions) | 1.6177% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5012% | 482 |
| Loan loss allowance to noncurrent loans | 76.2836% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.0590% | 1,052 |
| Noncurrent loans to loans | 3.2788% | 566 |
| Net loans and leases to total assets | 57.8317% | 4,122 |
| Net loans and leases to deposits | 71.1186% | 3,813 |
| Net loans and leases to core deposits | 73.2783% | 4,019 |
| Total domestic deposits to total assets | 81.3172% | 4,511 |
| Equity capital to assets | 16.4099% | 472 |
| Core capital (leverage) ratio | 15.9492% | 474 |
| Tier 1 risk-based capital ratio | 23.4307% | 1,022 |
| Total risk-based capital ratio | 24.6889% | 1,007 |
| Memoranda: | ||
| Average total assets | $21,645,670 | 6,234 |
| Average earning assets | $19,113,330 | 6,226 |
| Average equity | $3,525,000 | 6,060 |
| Average total loans | $11,844,670 | 6,121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 258 |
| Cost of funding earning assets | 0.3309% | 4,083 |
| Net interest margin | 5.1706% | 185 |
| Noninterest income to average assets | 1.4576% | 557 |
| Noninterest expense to average assets | 5.1746% | 269 |
| Loan and lease loss provision to assets | 0.2733% | 570 |
| Net operating income to assets | 0.5648% | 4,427 |
| Return on assets (ROA) | 0.5466% | 4,605 |
| Pretax return on assets | 0.5466% | 5,056 |
| Return on Equity (ROE) | 3.3689% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.3689% | 3,960 |
| Net charge-offs to loans | -0.0347% | 5,330 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0606% | 1,178 |
| Assets per employee ($millions) | 1.8596% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5431% | 502 |
| Loan loss allowance to noncurrent loans | 84.4193% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.2496% | 1,009 |
| Noncurrent loans to loans | 3.0125% | 720 |
| Net loans and leases to total assets | 51.1763% | 4,734 |
| Net loans and leases to deposits | 62.5891% | 4,519 |
| Net loans and leases to core deposits | 62.5891% | 4,808 |
| Total domestic deposits to total assets | 81.7656% | 4,578 |
| Equity capital to assets | 16.1058% | 532 |
| Core capital (leverage) ratio | 15.9756% | 470 |
| Tier 1 risk-based capital ratio | 24.6735% | 917 |
| Total risk-based capital ratio | 25.9303% | 899 |
| Memoranda: | ||
| Average total assets | $21,953,500 | 6,297 |
| Average earning assets | $19,340,000 | 6,291 |
| Average equity | $3,562,000 | 6,117 |
| Average total loans | $11,530,000 | 6,190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 147 |
| Cost of funding earning assets | 0.4001% | 3,688 |
| Net interest margin | 5.6187% | 112 |
| Noninterest income to average assets | 1.8796% | 376 |
| Noninterest expense to average assets | 6.0648% | 175 |
| Loan and lease loss provision to assets | 0.4161% | 418 |
| Net operating income to assets | 0.2790% | 5,573 |
| Return on assets (ROA) | 0.2741% | 5,659 |
| Pretax return on assets | 0.2741% | 5,748 |
| Return on Equity (ROE) | 1.6408% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.6408% | 4,991 |
| Net charge-offs to loans | -0.0371% | 5,842 |
| Credit loss provision to net charge-offs | -2,125.0000% | 5,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7176% | 862 |
| Assets per employee ($millions) | 1.9629% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4863% | 557 |
| Loan loss allowance to noncurrent loans | 352.5000% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 1,971 |
| Noncurrent loans to loans | 0.7053% | 3,565 |
| Net loans and leases to total assets | 51.2227% | 4,856 |
| Net loans and leases to deposits | 62.9088% | 4,646 |
| Net loans and leases to core deposits | 62.9088% | 4,928 |
| Total domestic deposits to total assets | 81.4237% | 4,620 |
| Equity capital to assets | 16.3486% | 495 |
| Core capital (leverage) ratio | 16.5464% | 410 |
| Tier 1 risk-based capital ratio | 25.1099% | 832 |
| Total risk-based capital ratio | 26.3712% | 816 |
| Memoranda: | ||
| Average total assets | $20,429,400 | 6,408 |
| Average earning assets | $17,744,400 | 6,402 |
| Average equity | $3,413,000 | 6,199 |
| Average total loans | $10,785,800 | 6,296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 152 |
| Cost of funding earning assets | 0.4130% | 3,650 |
| Net interest margin | 5.6059% | 117 |
| Noninterest income to average assets | 1.7809% | 412 |
| Noninterest expense to average assets | 5.8725% | 192 |
| Loan and lease loss provision to assets | 0.4634% | 328 |
| Net operating income to assets | 0.2979% | 5,590 |
| Return on assets (ROA) | 0.2979% | 5,664 |
| Pretax return on assets | 0.2979% | 5,778 |
| Return on Equity (ROE) | 1.7732% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.7732% | 5,171 |
| Net charge-offs to loans | 0.0251% | 4,003 |
| Credit loss provision to net charge-offs | 3,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 57.4270% | 892 |
| Efficiency ratio | 88.5230% | 957 |
| Assets per employee ($millions) | 1.7027% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 777 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 1,551 |
| Noncurrent loans to loans | 0.5685% | 4,217 |
| Net loans and leases to total assets | 52.9561% | 4,703 |
| Net loans and leases to deposits | 65.6832% | 4,367 |
| Net loans and leases to core deposits | 65.6832% | 4,738 |
| Total domestic deposits to total assets | 80.6235% | 4,936 |
| Equity capital to assets | 17.0272% | 424 |
| Core capital (leverage) ratio | 17.0355% | 370 |
| Tier 1 risk-based capital ratio | 25.0306% | 881 |
| Total risk-based capital ratio | 26.2851% | 865 |
| Memoranda: | ||
| Average total assets | $20,138,750 | 6,486 |
| Average earning assets | $17,433,750 | 6,481 |
| Average equity | $3,383,750 | 6,269 |
| Average total loans | $10,646,750 | 6,372 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0381% | 142 |
| Cost of funding earning assets | 0.4148% | 3,706 |
| Net interest margin | 5.6233% | 113 |
| Noninterest income to average assets | 1.7963% | 413 |
| Noninterest expense to average assets | 6.0676% | 176 |
| Loan and lease loss provision to assets | 0.5090% | 289 |
| Net operating income to assets | 0.0898% | 6,065 |
| Return on assets (ROA) | 0.0898% | 6,094 |
| Pretax return on assets | 0.0898% | 6,107 |
| Return on Equity (ROE) | 0.5370% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.5370% | 5,525 |
| Net charge-offs to loans | 0.0190% | 3,835 |
| Credit loss provision to net charge-offs | 5,100.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 806 |
| Efficiency ratio | 91.0180% | 833 |
| Assets per employee ($millions) | 1.3189% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 951 |
| Loan loss allowance to noncurrent loans | 324.0000% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 2.0169% | 1,586 |
| Noncurrent loans to loans | 0.6952% | 3,978 |
| Net loans and leases to total assets | 53.3033% | 4,617 |
| Net loans and leases to deposits | 66.4671% | 4,227 |
| Net loans and leases to core deposits | 66.4671% | 4,597 |
| Total domestic deposits to total assets | 80.1951% | 5,196 |
| Equity capital to assets | 17.3836% | 377 |
| Core capital (leverage) ratio | 16.9795% | 359 |
| Tier 1 risk-based capital ratio | 20.4596% | 1,577 |
| Total risk-based capital ratio | 21.7096% | 1,547 |
| Memoranda: | ||
| Average total assets | $20,041,000 | 6,551 |
| Average earning assets | $17,356,330 | 6,547 |
| Average equity | $3,352,000 | 6,328 |
| Average total loans | $10,502,000 | 6,437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 160 |
| Cost of funding earning assets | 0.3869% | 4,124 |
| Net interest margin | 5.5307% | 125 |
| Noninterest income to average assets | 1.8047% | 396 |
| Noninterest expense to average assets | 6.2667% | 173 |
| Loan and lease loss provision to assets | 0.5156% | 280 |
| Net operating income to assets | -0.1587% | 6,329 |
| Return on assets (ROA) | -0.1785% | 6,347 |
| Pretax return on assets | -0.1785% | 6,334 |
| Return on Equity (ROE) | -1.0881% | 6,308 |
| Retained earnings to average equity (ytd only) | -1.0881% | 5,744 |
| Net charge-offs to loans | 0.1158% | 2,027 |
| Credit loss provision to net charge-offs | 866.6667% | 350 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,297 |
| Efficiency ratio | 94.6108% | 716 |
| Assets per employee ($millions) | 1.3909% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,556 |
| Loan loss allowance to noncurrent loans | 70.3583% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 3.0245% | 943 |
| Noncurrent loans to loans | 2.8111% | 1,179 |
| Net loans and leases to total assets | 51.3109% | 4,751 |
| Net loans and leases to deposits | 64.4880% | 4,265 |
| Net loans and leases to core deposits | 64.4880% | 4,651 |
| Total domestic deposits to total assets | 79.5667% | 5,576 |
| Equity capital to assets | 16.0188% | 524 |
| Core capital (leverage) ratio | 17.0262% | 362 |
| Tier 1 risk-based capital ratio | 24.2876% | 963 |
| Total risk-based capital ratio | 25.5383% | 948 |
| Memoranda: | ||
| Average total assets | $20,170,000 | 6,619 |
| Average earning assets | $17,574,500 | 6,617 |
| Average equity | $3,308,500 | 6,389 |
| Average total loans | $10,359,000 | 6,509 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 321 |
| Cost of funding earning assets | 0.4696% | 3,916 |
| Net interest margin | 5.1107% | 251 |
| Noninterest income to average assets | 1.7639% | 479 |
| Noninterest expense to average assets | 5.1864% | 301 |
| Loan and lease loss provision to assets | 0.6644% | 354 |
| Net operating income to assets | 0.3346% | 5,395 |
| Return on assets (ROA) | 0.4493% | 5,084 |
| Pretax return on assets | 0.4493% | 5,365 |
| Return on Equity (ROE) | 2.7898% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.7898% | 4,257 |
| Net charge-offs to loans | 1.2048% | 439 |
| Credit loss provision to net charge-offs | 116.8067% | 2,058 |
| Earnings coverage of net charge-offs (x) | 1.7563% | 4,460 |
| Efficiency ratio | 83.8485% | 1,643 |
| Assets per employee ($millions) | 1.3912% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 1,622 |
| Loan loss allowance to noncurrent loans | 50.7895% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 3.6145% | 788 |
| Noncurrent loans to loans | 3.8787% | 762 |
| Net loans and leases to total assets | 49.3094% | 5,156 |
| Net loans and leases to deposits | 61.0670% | 4,822 |
| Net loans and leases to core deposits | 63.6786% | 4,900 |
| Total domestic deposits to total assets | 80.7465% | 5,256 |
| Equity capital to assets | 16.8147% | 420 |
| Core capital (leverage) ratio | 17.3677% | 340 |
| Tier 1 risk-based capital ratio | 25.5175% | 813 |
| Total risk-based capital ratio | 26.7684% | 797 |
| Memoranda: | ||
| Average total assets | $20,920,000 | 6,685 |
| Average earning assets | $18,099,400 | 6,681 |
| Average equity | $3,369,400 | 6,460 |
| Average total loans | $9,877,200 | 6,597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 389 |
| Cost of funding earning assets | 0.4784% | 3,979 |
| Net interest margin | 4.9936% | 320 |
| Noninterest income to average assets | 1.8169% | 473 |
| Noninterest expense to average assets | 4.7553% | 418 |
| Loan and lease loss provision to assets | 0.7143% | 306 |
| Net operating income to assets | 0.6641% | 4,047 |
| Return on assets (ROA) | 0.8207% | 3,370 |
| Pretax return on assets | 0.8207% | 4,220 |
| Return on Equity (ROE) | 5.1477% | 4,651 |
| Retained earnings to average equity (ytd only) | 5.1477% | 2,972 |
| Net charge-offs to loans | 1.5762% | 277 |
| Credit loss provision to net charge-offs | 97.4359% | 2,455 |
| Earnings coverage of net charge-offs (x) | 1.8803% | 4,201 |
| Efficiency ratio | 77.5281% | 2,480 |
| Assets per employee ($millions) | 1.4233% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 2,186 |
| Loan loss allowance to noncurrent loans | 37.6940% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 3.8894% | 821 |
| Noncurrent loans to loans | 4.8736% | 634 |
| Net loans and leases to total assets | 45.5887% | 5,586 |
| Net loans and leases to deposits | 56.2233% | 5,355 |
| Net loans and leases to core deposits | 58.5573% | 5,402 |
| Total domestic deposits to total assets | 81.0850% | 5,194 |
| Equity capital to assets | 16.5864% | 463 |
| Core capital (leverage) ratio | 17.1996% | 371 |
| Tier 1 risk-based capital ratio | 27.2456% | 685 |
| Total risk-based capital ratio | 28.4961% | 670 |
| Memoranda: | ||
| Average total assets | $21,280,750 | 6,758 |
| Average earning assets | $18,396,500 | 6,753 |
| Average equity | $3,393,000 | 6,529 |
| Average total loans | $9,897,250 | 6,669 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 329 |
| Cost of funding earning assets | 0.4873% | 4,017 |
| Net interest margin | 5.0957% | 258 |
| Noninterest income to average assets | 1.8222% | 510 |
| Noninterest expense to average assets | 4.6843% | 451 |
| Loan and lease loss provision to assets | 0.8191% | 258 |
| Net operating income to assets | 0.7454% | 3,592 |
| Return on assets (ROA) | 0.9847% | 2,539 |
| Pretax return on assets | 0.9847% | 3,575 |
| Return on Equity (ROE) | 6.2530% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.2530% | 2,296 |
| Net charge-offs to loans | 2.3735% | 165 |
| Credit loss provision to net charge-offs | 74.1667% | 2,739 |
| Earnings coverage of net charge-offs (x) | 1.4167% | 4,064 |
| Efficiency ratio | 74.9632% | 2,949 |
| Assets per employee ($millions) | 1.4674% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,563 |
| Loan loss allowance to noncurrent loans | 29.2181% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 3.9429% | 886 |
| Noncurrent loans to loans | 5.1532% | 608 |
| Net loans and leases to total assets | 45.2173% | 5,618 |
| Net loans and leases to deposits | 55.5828% | 5,381 |
| Net loans and leases to core deposits | 57.8070% | 5,439 |
| Total domestic deposits to total assets | 81.3513% | 5,246 |
| Equity capital to assets | 16.3754% | 480 |
| Core capital (leverage) ratio | 16.3367% | 432 |
| Tier 1 risk-based capital ratio | 27.2771% | 670 |
| Total risk-based capital ratio | 28.4027% | 669 |
| Memoranda: | ||
| Average total assets | $21,732,330 | 6,804 |
| Average earning assets | $18,878,670 | 6,795 |
| Average equity | $3,422,330 | 6,577 |
| Average total loans | $10,111,670 | 6,701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 428 |
| Cost of funding earning assets | 0.5138% | 3,935 |
| Net interest margin | 4.8917% | 342 |
| Noninterest income to average assets | 1.5945% | 613 |
| Noninterest expense to average assets | 4.8372% | 408 |
| Loan and lease loss provision to assets | 0.4300% | 693 |
| Net operating income to assets | 0.5912% | 4,263 |
| Return on assets (ROA) | 0.5912% | 4,409 |
| Pretax return on assets | 0.5912% | 4,977 |
| Return on Equity (ROE) | 3.8244% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.8244% | 3,934 |
| Net charge-offs to loans | 4.2863% | 59 |
| Credit loss provision to net charge-offs | 21.4286% | 3,016 |
| Earnings coverage of net charge-offs (x) | 0.5089% | 3,649 |
| Efficiency ratio | 82.5688% | 1,954 |
| Assets per employee ($millions) | 1.6120% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 6,418 |
| Loan loss allowance to noncurrent loans | 17.9325% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 3.5360% | 1,196 |
| Noncurrent loans to loans | 4.5868% | 896 |
| Net loans and leases to total assets | 45.4139% | 5,499 |
| Net loans and leases to deposits | 54.9103% | 5,357 |
| Net loans and leases to core deposits | 56.8631% | 5,443 |
| Total domestic deposits to total assets | 82.7056% | 4,950 |
| Equity capital to assets | 15.2827% | 689 |
| Core capital (leverage) ratio | 14.9931% | 593 |
| Tier 1 risk-based capital ratio | 24.6234% | 941 |
| Total risk-based capital ratio | 25.2450% | 994 |
| Memoranda: | ||
| Average total assets | $22,327,000 | 6,868 |
| Average earning assets | $19,461,500 | 6,863 |
| Average equity | $3,451,500 | 6,630 |
| Average total loans | $10,452,000 | 6,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4692% | 663 |
| Cost of funding earning assets | 0.6001% | 4,356 |
| Net interest margin | 4.8691% | 478 |
| Noninterest income to average assets | 0.9527% | 1,691 |
| Noninterest expense to average assets | 5.5282% | 271 |
| Loan and lease loss provision to assets | 1.9145% | 120 |
| Net operating income to assets | -2.2534% | 6,955 |
| Return on assets (ROA) | -2.2580% | 6,960 |
| Pretax return on assets | -2.2580% | 6,959 |
| Return on Equity (ROE) | -12.7621% | 6,784 |
| Retained earnings to average equity (ytd only) | -12.7621% | 6,720 |
| Net charge-offs to loans | 3.3410% | 123 |
| Credit loss provision to net charge-offs | 109.4241% | 2,680 |
| Earnings coverage of net charge-offs (x) | -0.1937% | 5,569 |
| Efficiency ratio | 106.5313% | 400 |
| Assets per employee ($millions) | 1.5776% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,156 |
| Loan loss allowance to noncurrent loans | 29.5726% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 4.1157% | 1,027 |
| Noncurrent loans to loans | 5.5345% | 666 |
| Net loans and leases to total assets | 47.0751% | 5,505 |
| Net loans and leases to deposits | 57.1861% | 5,323 |
| Net loans and leases to core deposits | 59.2726% | 5,425 |
| Total domestic deposits to total assets | 82.3191% | 4,989 |
| Equity capital to assets | 15.6389% | 613 |
| Core capital (leverage) ratio | 15.1195% | 552 |
| Tier 1 risk-based capital ratio | 24.3056% | 934 |
| Total risk-based capital ratio | 25.5522% | 910 |
| Memoranda: | ||
| Average total assets | $21,833,600 | 6,934 |
| Average earning assets | $18,997,200 | 6,925 |
| Average equity | $3,863,000 | 6,600 |
| Average total loans | $11,433,800 | 6,795 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 755 |
| Cost of funding earning assets | 0.6051% | 4,592 |
| Net interest margin | 4.8410% | 532 |
| Noninterest income to average assets | 1.4944% | 671 |
| Noninterest expense to average assets | 5.2424% | 313 |
| Loan and lease loss provision to assets | 0.4164% | 1,538 |
| Net operating income to assets | 0.0490% | 6,210 |
| Return on assets (ROA) | 0.0429% | 6,355 |
| Pretax return on assets | 0.0429% | 6,348 |
| Return on Equity (ROE) | 0.2353% | 6,377 |
| Retained earnings to average equity (ytd only) | 0.2353% | 6,009 |
| Net charge-offs to loans | 0.6867% | 1,604 |
| Credit loss provision to net charge-offs | 113.3333% | 2,574 |
| Earnings coverage of net charge-offs (x) | 1.2666% | 4,652 |
| Efficiency ratio | 91.8455% | 895 |
| Assets per employee ($millions) | 1.5838% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 4,982 |
| Loan loss allowance to noncurrent loans | 12.6417% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 6.2869% | 616 |
| Noncurrent loans to loans | 9.9974% | 247 |
| Net loans and leases to total assets | 51.0892% | 5,177 |
| Net loans and leases to deposits | 63.7551% | 4,747 |
| Net loans and leases to core deposits | 67.3124% | 4,806 |
| Total domestic deposits to total assets | 80.1335% | 5,617 |
| Equity capital to assets | 17.9543% | 368 |
| Core capital (leverage) ratio | 17.3046% | 350 |
| Tier 1 risk-based capital ratio | 27.1031% | 739 |
| Total risk-based capital ratio | 28.1281% | 735 |
| Memoranda: | ||
| Average total assets | $21,770,500 | 7,025 |
| Average earning assets | $18,948,750 | 7,016 |
| Average equity | $3,965,250 | 6,654 |
| Average total loans | $11,649,750 | 6,881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5489% | 645 |
| Cost of funding earning assets | 0.6177% | 4,738 |
| Net interest margin | 4.9312% | 441 |
| Noninterest income to average assets | 1.5622% | 606 |
| Noninterest expense to average assets | 5.1950% | 331 |
| Loan and lease loss provision to assets | 0.4160% | 1,575 |
| Net operating income to assets | 0.2311% | 5,824 |
| Return on assets (ROA) | 0.2311% | 6,012 |
| Pretax return on assets | 0.2311% | 6,096 |
| Return on Equity (ROE) | 1.2626% | 6,247 |
| Retained earnings to average equity (ytd only) | 1.2626% | 5,569 |
| Net charge-offs to loans | 0.9395% | 1,174 |
| Credit loss provision to net charge-offs | 81.8182% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 4,374 |
| Efficiency ratio | 88.9241% | 1,156 |
| Assets per employee ($millions) | 1.8118% | 7,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,642 |
| Loan loss allowance to noncurrent loans | 17.8622% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 4.1736% | 1,201 |
| Noncurrent loans to loans | 6.3318% | 676 |
| Net loans and leases to total assets | 47.1362% | 5,702 |
| Net loans and leases to deposits | 57.9043% | 5,460 |
| Net loans and leases to core deposits | 60.8796% | 5,502 |
| Total domestic deposits to total assets | 81.4036% | 5,331 |
| Equity capital to assets | 16.9320% | 452 |
| Core capital (leverage) ratio | 17.7711% | 302 |
| Tier 1 risk-based capital ratio | 28.6107% | 602 |
| Total risk-based capital ratio | 29.5542% | 610 |
| Memoranda: | ||
| Average total assets | $21,636,330 | 7,086 |
| Average earning assets | $18,778,330 | 7,076 |
| Average equity | $3,960,000 | 6,693 |
| Average total loans | $11,708,670 | 6,940 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 295 |
| Cost of funding earning assets | 0.6988% | 4,289 |
| Net interest margin | 5.3423% | 232 |
| Noninterest income to average assets | 1.8570% | 463 |
| Noninterest expense to average assets | 5.2423% | 316 |
| Loan and lease loss provision to assets | 0.4449% | 1,396 |
| Net operating income to assets | 0.7544% | 3,601 |
| Return on assets (ROA) | 0.7544% | 3,841 |
| Pretax return on assets | 0.7544% | 4,591 |
| Return on Equity (ROE) | 3.9534% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.9534% | 4,214 |
| Net charge-offs to loans | -0.1004% | 6,786 |
| Credit loss provision to net charge-offs | -766.6667% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3814% | 2,023 |
| Assets per employee ($millions) | 1.6354% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 4,799 |
| Loan loss allowance to noncurrent loans | 20.4517% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 4.9106% | 1,073 |
| Noncurrent loans to loans | 6.6031% | 720 |
| Net loans and leases to total assets | 56.0066% | 4,383 |
| Net loans and leases to deposits | 70.3100% | 3,687 |
| Net loans and leases to core deposits | 74.4188% | 3,846 |
| Total domestic deposits to total assets | 79.6566% | 5,930 |
| Equity capital to assets | 18.6783% | 299 |
| Core capital (leverage) ratio | 18.5687% | 264 |
| Tier 1 risk-based capital ratio | 27.4243% | 694 |
| Total risk-based capital ratio | 28.5805% | 682 |
| Memoranda: | ||
| Average total assets | $20,678,000 | 7,161 |
| Average earning assets | $17,745,000 | 7,153 |
| Average equity | $3,946,000 | 6,734 |
| Average total loans | $11,948,500 | 6,987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2692% | 268 |
| Cost of funding earning assets | 0.9410% | 3,780 |
| Net interest margin | 5.3282% | 230 |
| Noninterest income to average assets | 1.4741% | 599 |
| Noninterest expense to average assets | 5.5738% | 252 |
| Loan and lease loss provision to assets | 1.0358% | 907 |
| Net operating income to assets | -0.6504% | 6,576 |
| Return on assets (ROA) | -0.6504% | 6,616 |
| Pretax return on assets | -0.6889% | 6,595 |
| Return on Equity (ROE) | -3.4137% | 6,435 |
| Retained earnings to average equity (ytd only) | -3.4137% | 6,318 |
| Net charge-offs to loans | 2.2140% | 580 |
| Credit loss provision to net charge-offs | 78.7546% | 4,513 |
| Earnings coverage of net charge-offs (x) | 0.2637% | 5,631 |
| Efficiency ratio | 94.1416% | 913 |
| Assets per employee ($millions) | 1.5458% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,582 |
| Loan loss allowance to noncurrent loans | 16.9554% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 5.5135% | 928 |
| Noncurrent loans to loans | 6.8318% | 658 |
| Net loans and leases to total assets | 58.1708% | 4,344 |
| Net loans and leases to deposits | 73.8938% | 3,515 |
| Net loans and leases to core deposits | 78.5249% | 3,622 |
| Total domestic deposits to total assets | 78.7221% | 6,053 |
| Equity capital to assets | 19.5113% | 258 |
| Core capital (leverage) ratio | 18.8420% | 253 |
| Tier 1 risk-based capital ratio | 27.7661% | 639 |
| Total risk-based capital ratio | 28.7601% | 651 |
| Memoranda: | ||
| Average total assets | $20,757,800 | 7,194 |
| Average earning assets | $17,322,800 | 7,198 |
| Average equity | $3,954,600 | 6,763 |
| Average total loans | $12,330,400 | 7,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3152% | 260 |
| Cost of funding earning assets | 0.9757% | 3,847 |
| Net interest margin | 5.3395% | 228 |
| Noninterest income to average assets | 1.4211% | 649 |
| Noninterest expense to average assets | 5.1998% | 314 |
| Loan and lease loss provision to assets | 1.2299% | 626 |
| Net operating income to assets | -0.5799% | 6,685 |
| Return on assets (ROA) | -0.5799% | 6,727 |
| Pretax return on assets | -0.5799% | 6,666 |
| Return on Equity (ROE) | -3.0616% | 6,563 |
| Retained earnings to average equity (ytd only) | -3.0616% | 6,425 |
| Net charge-offs to loans | 2.8472% | 345 |
| Credit loss provision to net charge-offs | 72.5564% | 4,396 |
| Earnings coverage of net charge-offs (x) | 0.3835% | 5,324 |
| Efficiency ratio | 88.8889% | 1,257 |
| Assets per employee ($millions) | 1.5508% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 6,222 |
| Loan loss allowance to noncurrent loans | 13.4361% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 5.6151% | 981 |
| Noncurrent loans to loans | 7.5103% | 625 |
| Net loans and leases to total assets | 59.3651% | 4,258 |
| Net loans and leases to deposits | 75.3415% | 3,446 |
| Net loans and leases to core deposits | 80.0375% | 3,631 |
| Total domestic deposits to total assets | 78.7946% | 6,028 |
| Equity capital to assets | 19.6577% | 265 |
| Core capital (leverage) ratio | 18.7340% | 273 |
| Tier 1 risk-based capital ratio | 27.9535% | 664 |
| Total risk-based capital ratio | 28.8345% | 677 |
| Memoranda: | ||
| Average total assets | $20,923,250 | 7,256 |
| Average earning assets | $17,354,500 | 7,270 |
| Average equity | $3,963,000 | 6,813 |
| Average total loans | $12,456,250 | 7,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2669% | 291 |
| Cost of funding earning assets | 0.9889% | 4,025 |
| Net interest margin | 5.2780% | 251 |
| Noninterest income to average assets | 1.3977% | 654 |
| Noninterest expense to average assets | 4.8636% | 410 |
| Loan and lease loss provision to assets | 1.6055% | 433 |
| Net operating income to assets | -0.7366% | 6,836 |
| Return on assets (ROA) | -0.7366% | 6,849 |
| Pretax return on assets | -0.7366% | 6,794 |
| Return on Equity (ROE) | -3.9364% | 6,644 |
| Retained earnings to average equity (ytd only) | -3.9364% | 6,468 |
| Net charge-offs to loans | 4.1659% | 188 |
| Credit loss provision to net charge-offs | 64.8855% | 4,206 |
| Earnings coverage of net charge-offs (x) | 0.3511% | 5,043 |
| Efficiency ratio | 84.8435% | 1,721 |
| Assets per employee ($millions) | 1.8809% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,770 |
| Loan loss allowance to noncurrent loans | 8.9799% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 5.5437% | 1,063 |
| Noncurrent loans to loans | 9.4668% | 421 |
| Net loans and leases to total assets | 58.0619% | 4,610 |
| Net loans and leases to deposits | 72.8723% | 3,970 |
| Net loans and leases to core deposits | 77.2292% | 4,159 |
| Total domestic deposits to total assets | 79.6762% | 5,906 |
| Equity capital to assets | 19.0382% | 317 |
| Core capital (leverage) ratio | 18.3285% | 305 |
| Tier 1 risk-based capital ratio | 28.7023% | 614 |
| Total risk-based capital ratio | 29.4635% | 632 |
| Memoranda: | ||
| Average total assets | $21,177,670 | 7,319 |
| Average earning assets | $17,393,000 | 7,341 |
| Average equity | $3,963,000 | 6,858 |
| Average total loans | $12,578,330 | 7,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5103% | 207 |
| Cost of funding earning assets | 1.0034% | 4,180 |
| Net interest margin | 5.5069% | 161 |
| Noninterest income to average assets | 1.3631% | 691 |
| Noninterest expense to average assets | 4.8176% | 427 |
| Loan and lease loss provision to assets | 0.3361% | 2,544 |
| Net operating income to assets | 0.6162% | 3,957 |
| Return on assets (ROA) | 0.6162% | 4,022 |
| Pretax return on assets | 0.6162% | 4,627 |
| Return on Equity (ROE) | 3.3208% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.3208% | 4,191 |
| Net charge-offs to loans | -0.0625% | 6,960 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4951% | 2,019 |
| Assets per employee ($millions) | 1.8283% | 7,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 3,292 |
| Loan loss allowance to noncurrent loans | 32.7245% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 2.9945% | 2,305 |
| Noncurrent loans to loans | 5.2376% | 1,263 |
| Net loans and leases to total assets | 56.1942% | 4,964 |
| Net loans and leases to deposits | 69.8487% | 4,362 |
| Net loans and leases to core deposits | 73.7204% | 4,559 |
| Total domestic deposits to total assets | 80.4512% | 5,827 |
| Equity capital to assets | 18.2954% | 353 |
| Core capital (leverage) ratio | 19.9570% | 232 |
| Tier 1 risk-based capital ratio | 20.0371% | 1,582 |
| Total risk-based capital ratio | 21.1155% | 1,580 |
| Memoranda: | ||
| Average total assets | $21,421,500 | 7,372 |
| Average earning assets | $17,142,000 | 7,404 |
| Average equity | $3,975,000 | 6,891 |
| Average total loans | $12,809,500 | 7,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5667% | 292 |
| Cost of funding earning assets | 1.1908% | 4,617 |
| Net interest margin | 5.3759% | 210 |
| Noninterest income to average assets | 1.3402% | 817 |
| Noninterest expense to average assets | 5.6105% | 281 |
| Loan and lease loss provision to assets | 0.7686% | 2,131 |
| Net operating income to assets | -0.5284% | 6,402 |
| Return on assets (ROA) | -0.5284% | 6,437 |
| Pretax return on assets | -0.5284% | 6,341 |
| Return on Equity (ROE) | -2.7055% | 6,249 |
| Retained earnings to average equity (ytd only) | -2.7055% | 6,066 |
| Net charge-offs to loans | 2.1082% | 935 |
| Credit loss provision to net charge-offs | 56.9395% | 6,137 |
| Earnings coverage of net charge-offs (x) | 0.1779% | 5,928 |
| Efficiency ratio | 95.8949% | 975 |
| Assets per employee ($millions) | 1.6079% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 4,059 |
| Loan loss allowance to noncurrent loans | 29.6804% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 3.1431% | 2,255 |
| Noncurrent loans to loans | 5.0249% | 1,334 |
| Net loans and leases to total assets | 61.6179% | 4,369 |
| Net loans and leases to deposits | 77.1673% | 3,644 |
| Net loans and leases to core deposits | 81.6948% | 3,949 |
| Total domestic deposits to total assets | 79.8498% | 5,874 |
| Equity capital to assets | 18.8298% | 322 |
| Core capital (leverage) ratio | 19.0829% | 281 |
| Tier 1 risk-based capital ratio | 20.8757% | 1,331 |
| Total risk-based capital ratio | 21.9032% | 1,355 |
| Memoranda: | ||
| Average total assets | $20,818,000 | 7,447 |
| Average earning assets | $17,466,800 | 7,463 |
| Average equity | $4,065,800 | 6,975 |
| Average total loans | $13,329,000 | 7,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5256% | 322 |
| Cost of funding earning assets | 1.2059% | 4,840 |
| Net interest margin | 5.3197% | 231 |
| Noninterest income to average assets | 1.3207% | 787 |
| Noninterest expense to average assets | 5.5777% | 262 |
| Loan and lease loss provision to assets | 0.2885% | 4,268 |
| Net operating income to assets | -0.0769% | 6,156 |
| Return on assets (ROA) | -0.0769% | 6,250 |
| Pretax return on assets | -0.0769% | 6,198 |
| Return on Equity (ROE) | -0.3904% | 6,198 |
| Retained earnings to average equity (ytd only) | -0.3904% | 5,883 |
| Net charge-offs to loans | 0.2688% | 4,334 |
| Credit loss provision to net charge-offs | 166.6667% | 2,236 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 4,842 |
| Efficiency ratio | 96.3455% | 892 |
| Assets per employee ($millions) | 1.6198% | 7,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4573% | 1,390 |
| Loan loss allowance to noncurrent loans | 39.4799% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 4.0557% | 1,716 |
| Noncurrent loans to loans | 6.2242% | 975 |
| Net loans and leases to total assets | 62.9624% | 4,335 |
| Net loans and leases to deposits | 82.6610% | 2,975 |
| Net loans and leases to core deposits | 90.7150% | 2,993 |
| Total domestic deposits to total assets | 76.1694% | 6,623 |
| Equity capital to assets | 19.6277% | 308 |
| Core capital (leverage) ratio | 19.6269% | 261 |
| Tier 1 risk-based capital ratio | 21.5152% | 1,284 |
| Total risk-based capital ratio | 22.7709% | 1,261 |
| Memoranda: | ||
| Average total assets | $20,796,750 | 7,542 |
| Average earning assets | $17,469,250 | 7,561 |
| Average equity | $4,098,250 | 7,054 |
| Average total loans | $13,392,500 | 7,330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4132% | 400 |
| Cost of funding earning assets | 1.2177% | 5,032 |
| Net interest margin | 5.1955% | 285 |
| Noninterest income to average assets | 1.3617% | 680 |
| Noninterest expense to average assets | 5.5722% | 265 |
| Loan and lease loss provision to assets | 0.2897% | 4,070 |
| Net operating income to assets | -0.1738% | 6,322 |
| Return on assets (ROA) | -0.1738% | 6,379 |
| Pretax return on assets | -0.1738% | 6,315 |
| Return on Equity (ROE) | -0.8809% | 6,303 |
| Retained earnings to average equity (ytd only) | -0.8809% | 5,947 |
| Net charge-offs to loans | 0.1651% | 4,622 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 4,703 |
| Efficiency ratio | 97.9626% | 887 |
| Assets per employee ($millions) | 1.5752% | 7,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 1,259 |
| Loan loss allowance to noncurrent loans | 40.3129% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 4.2145% | 1,598 |
| Noncurrent loans to loans | 6.2902% | 978 |
| Net loans and leases to total assets | 62.8803% | 4,493 |
| Net loans and leases to deposits | 79.7720% | 3,638 |
| Net loans and leases to core deposits | 87.4788% | 3,626 |
| Total domestic deposits to total assets | 78.8250% | 6,079 |
| Equity capital to assets | 19.9053% | 286 |
| Core capital (leverage) ratio | 20.0554% | 247 |
| Tier 1 risk-based capital ratio | 22.0788% | 1,190 |
| Total risk-based capital ratio | 23.3371% | 1,163 |
| Memoranda: | ||
| Average total assets | $20,710,000 | 7,608 |
| Average earning assets | $17,245,670 | 7,633 |
| Average equity | $4,086,670 | 7,089 |
| Average total loans | $13,326,000 | 7,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7059% | 265 |
| Cost of funding earning assets | 1.2471% | 5,126 |
| Net interest margin | 5.4588% | 192 |
| Noninterest income to average assets | 1.2676% | 763 |
| Noninterest expense to average assets | 5.8579% | 233 |
| Loan and lease loss provision to assets | 0.2881% | 3,717 |
| Net operating income to assets | -0.4225% | 6,781 |
| Return on assets (ROA) | -0.4225% | 6,815 |
| Pretax return on assets | -0.4225% | 6,732 |
| Return on Equity (ROE) | -2.1505% | 6,653 |
| Retained earnings to average equity (ytd only) | -2.1505% | 6,236 |
| Net charge-offs to loans | 0.3587% | 2,977 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | -0.5833% | 5,310 |
| Efficiency ratio | 102.3490% | 777 |
| Assets per employee ($millions) | 1.5401% | 7,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4373% | 1,378 |
| Loan loss allowance to noncurrent loans | 37.3974% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 4.4204% | 1,536 |
| Noncurrent loans to loans | 6.5174% | 956 |
| Net loans and leases to total assets | 63.7780% | 4,378 |
| Net loans and leases to deposits | 81.2743% | 3,411 |
| Net loans and leases to core deposits | 89.3437% | 3,453 |
| Total domestic deposits to total assets | 78.4726% | 6,209 |
| Equity capital to assets | 20.4036% | 266 |
| Core capital (leverage) ratio | 19.6611% | 271 |
| Tier 1 risk-based capital ratio | 22.7400% | 1,111 |
| Total risk-based capital ratio | 23.9978% | 1,085 |
| Memoranda: | ||
| Average total assets | $20,826,500 | 7,706 |
| Average earning assets | $17,000,000 | 7,731 |
| Average equity | $4,092,000 | 7,149 |
| Average total loans | $13,383,500 | 7,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1408% | 228 |
| Cost of funding earning assets | 1.7357% | 4,329 |
| Net interest margin | 5.4050% | 206 |
| Noninterest income to average assets | 1.8969% | 412 |
| Noninterest expense to average assets | 5.6294% | 363 |
| Loan and lease loss provision to assets | 0.4095% | 4,353 |
| Net operating income to assets | 0.3577% | 4,296 |
| Return on assets (ROA) | 0.3765% | 4,326 |
| Pretax return on assets | 0.3765% | 4,563 |
| Return on Equity (ROE) | 1.9596% | 4,926 |
| Retained earnings to average equity (ytd only) | 1.9596% | 3,732 |
| Net charge-offs to loans | 0.2023% | 5,373 |
| Credit loss provision to net charge-offs | 334.6154% | 971 |
| Earnings coverage of net charge-offs (x) | 6.2692% | 2,403 |
| Efficiency ratio | 88.0059% | 1,880 |
| Assets per employee ($millions) | 1.6640% | 7,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3101% | 1,464 |
| Loan loss allowance to noncurrent loans | 201.2739% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 5,516 |
| Noncurrent loans to loans | 1.1477% | 5,037 |
| Net loans and leases to total assets | 61.7742% | 5,035 |
| Net loans and leases to deposits | 79.4329% | 4,096 |
| Net loans and leases to core deposits | 111.2749% | 2,761 |
| Total domestic deposits to total assets | 77.7690% | 6,277 |
| Equity capital to assets | 18.9488% | 372 |
| Core capital (leverage) ratio | 19.5458% | 302 |
| Tier 1 risk-based capital ratio | 22.0221% | 1,147 |
| Total risk-based capital ratio | 23.2771% | 1,122 |
| Memoranda: | ||
| Average total assets | $21,245,600 | 7,745 |
| Average earning assets | $17,687,200 | 7,773 |
| Average equity | $4,082,400 | 7,254 |
| Average total loans | $12,853,600 | 7,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1569% | 243 |
| Cost of funding earning assets | 1.8024% | 4,370 |
| Net interest margin | 5.3545% | 230 |
| Noninterest income to average assets | 1.5067% | 650 |
| Noninterest expense to average assets | 4.8859% | 531 |
| Loan and lease loss provision to assets | 0.0567% | 6,801 |
| Net operating income to assets | 1.0402% | 1,937 |
| Return on assets (ROA) | 1.0654% | 1,892 |
| Pretax return on assets | 1.0654% | 2,686 |
| Return on Equity (ROE) | 5.5252% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.5252% | 2,192 |
| Net charge-offs to loans | 0.0316% | 6,449 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 57.9975% | 566 |
| Efficiency ratio | 81.6649% | 2,626 |
| Assets per employee ($millions) | 1.6118% | 7,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0574% | 1,677 |
| Loan loss allowance to noncurrent loans | 161.1111% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 3.2309% | 2,099 |
| Noncurrent loans to loans | 1.2770% | 4,806 |
| Net loans and leases to total assets | 59.2966% | 5,695 |
| Net loans and leases to deposits | 74.9216% | 5,222 |
| Net loans and leases to core deposits | 105.7267% | 3,734 |
| Total domestic deposits to total assets | 79.1448% | 5,751 |
| Equity capital to assets | 20.0439% | 336 |
| Core capital (leverage) ratio | 19.9894% | 310 |
| Tier 1 risk-based capital ratio | 23.6770% | 1,038 |
| Total risk-based capital ratio | 24.9289% | 1,011 |
| Memoranda: | ||
| Average total assets | $21,149,000 | 7,820 |
| Average earning assets | $17,679,500 | 7,851 |
| Average equity | $4,078,250 | 7,326 |
| Average total loans | $12,647,250 | 7,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1611% | 251 |
| Cost of funding earning assets | 1.8686% | 4,428 |
| Net interest margin | 5.2925% | 248 |
| Noninterest income to average assets | 1.4330% | 735 |
| Noninterest expense to average assets | 4.7233% | 630 |
| Loan and lease loss provision to assets | 0.0566% | 6,657 |
| Net operating income to assets | 1.1125% | 1,730 |
| Return on assets (ROA) | 1.1502% | 1,698 |
| Pretax return on assets | 1.1502% | 2,465 |
| Return on Equity (ROE) | 6.0431% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.0431% | 1,996 |
| Net charge-offs to loans | 0.1108% | 5,051 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,459 |
| Efficiency ratio | 80.1600% | 3,018 |
| Assets per employee ($millions) | 1.5897% | 8,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 1,634 |
| Loan loss allowance to noncurrent loans | 112.8889% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 3.5808% | 1,736 |
| Noncurrent loans to loans | 1.7459% | 3,887 |
| Net loans and leases to total assets | 61.1294% | 5,499 |
| Net loans and leases to deposits | 77.0023% | 5,029 |
| Net loans and leases to core deposits | 106.3652% | 3,798 |
| Total domestic deposits to total assets | 79.3864% | 5,690 |
| Equity capital to assets | 19.8587% | 395 |
| Core capital (leverage) ratio | 19.1909% | 405 |
| Tier 1 risk-based capital ratio | 24.2512% | 1,004 |
| Total risk-based capital ratio | 25.5071% | 987 |
| Memoranda: | ||
| Average total assets | $21,214,000 | 7,898 |
| Average earning assets | $17,874,330 | 7,923 |
| Average equity | $4,037,670 | 7,401 |
| Average total loans | $12,634,330 | 7,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9503% | 377 |
| Cost of funding earning assets | 1.9763% | 4,254 |
| Net interest margin | 4.9740% | 428 |
| Noninterest income to average assets | 1.1914% | 1,022 |
| Noninterest expense to average assets | 4.8399% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5212% | 4,335 |
| Return on assets (ROA) | 0.5771% | 4,312 |
| Pretax return on assets | 0.5771% | 4,822 |
| Return on Equity (ROE) | 3.0965% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.0965% | 4,151 |
| Net charge-offs to loans | 0.3838% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,566 |
| Efficiency ratio | 90.2778% | 1,704 |
| Assets per employee ($millions) | 1.6622% | 8,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 1,700 |
| Loan loss allowance to noncurrent loans | 117.9612% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 3.3366% | 1,637 |
| Noncurrent loans to loans | 1.5811% | 3,905 |
| Net loans and leases to total assets | 59.1698% | 5,788 |
| Net loans and leases to deposits | 73.3395% | 5,565 |
| Net loans and leases to core deposits | 104.9237% | 4,036 |
| Total domestic deposits to total assets | 80.6793% | 5,100 |
| Equity capital to assets | 18.5663% | 535 |
| Core capital (leverage) ratio | 18.5963% | 483 |
| Tier 1 risk-based capital ratio | 26.6181% | 840 |
| Total risk-based capital ratio | 27.8756% | 829 |
| Memoranda: | ||
| Average total assets | $21,488,000 | 7,939 |
| Average earning assets | $18,013,500 | 7,960 |
| Average equity | $4,004,500 | 7,457 |
| Average total loans | $12,508,000 | 7,775 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5417% | 383 |
| Cost of funding earning assets | 2.6142% | 3,615 |
| Net interest margin | 4.9275% | 602 |
| Noninterest income to average assets | 1.4758% | 649 |
| Noninterest expense to average assets | 5.7344% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0796% | 6,156 |
| Return on assets (ROA) | 0.0796% | 6,001 |
| Pretax return on assets | -0.0375% | 6,192 |
| Return on Equity (ROE) | 0.4243% | 6,103 |
| Retained earnings to average equity (ytd only) | -0.0749% | 5,285 |
| Net charge-offs to loans | 0.4384% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.1481% | 6,350 |
| Efficiency ratio | 100.6579% | 957 |
| Assets per employee ($millions) | 1.7806% | 8,052 |
| Cash dividends to net income (ytd only)* | 117.6471% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1273% | 1,031 |
| Loan loss allowance to noncurrent loans | 114.3498% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 6.2854% | 455 |
| Noncurrent loans to loans | 1.8603% | 2,973 |
| Net loans and leases to total assets | 54.9071% | 6,558 |
| Net loans and leases to deposits | 68.1657% | 6,449 |
| Net loans and leases to core deposits | 98.6878% | 4,968 |
| Total domestic deposits to total assets | 80.5494% | 4,820 |
| Equity capital to assets | 18.7064% | 577 |
| Core capital (leverage) ratio | 19.2979% | 489 |
| Tier 1 risk-based capital ratio | 26.9844% | 829 |
| Total risk-based capital ratio | 28.2421% | 810 |
| Memoranda: | ||
| Average total assets | $21,345,000 | 7,976 |
| Average earning assets | $18,285,000 | 7,997 |
| Average equity | $4,006,400 | 7,509 |
| Average total loans | $12,318,400 | 7,813 |