Home > Columbia Savings and Loan Association > Performance and Condition Ratios
Columbia Savings and Loan Association, 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 | 5.4001% | 1,312 |
| Cost of funding earning assets | 0.5507% | 4,143 |
| Net interest margin | 4.8494% | 391 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 4.6096% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0957% | 4,428 |
| Return on assets (ROA) | -0.1034% | 4,412 |
| Pretax return on assets | -0.1034% | 4,401 |
| Return on Equity (ROE) | -1.2400% | 4,397 |
| Retained earnings to average equity (ytd only) | -1.2422% | 4,209 |
| Net charge-offs to loans | -0.1775% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 102.1204% | 166 |
| Assets per employee ($millions) | 4.5623% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 3,871 |
| Loan loss allowance to noncurrent loans | 32.4701% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 142 |
| Noncurrent loans to loans | 2.5998% | 183 |
| Net loans and leases to total assets | 69.9400% | 1,814 |
| Net loans and leases to deposits | 76.2000% | 2,437 |
| Net loans and leases to core deposits | 93.0095% | 1,844 |
| Total domestic deposits to total assets | 91.7900% | 340 |
| Equity capital to assets | 7.9090% | 3,477 |
| Core capital (leverage) ratio | 7.4267% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8661% | 1,909 |
| Memoranda: | ||
| Average total assets | $26,119,600 | 4,491 |
| Average earning assets | $23,425,400 | 4,459 |
| Average equity | $2,173,600 | 4,480 |
| Average total loans | $19,157,600 | 4,305 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2370% | 1,383 |
| Cost of funding earning assets | 0.4919% | 4,151 |
| Net interest margin | 4.7451% | 436 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 4.5311% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0930% | 4,472 |
| Return on assets (ROA) | -0.0982% | 4,460 |
| Pretax return on assets | -0.0982% | 4,444 |
| Return on Equity (ROE) | -1.1600% | 4,433 |
| Retained earnings to average equity (ytd only) | -1.1643% | 4,268 |
| Net charge-offs to loans | -0.2162% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 102.0955% | 150 |
| Assets per employee ($millions) | 4.6330% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 3,895 |
| Loan loss allowance to noncurrent loans | 37.5587% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 194 |
| Noncurrent loans to loans | 2.2397% | 237 |
| Net loans and leases to total assets | 67.8500% | 2,059 |
| Net loans and leases to deposits | 73.8739% | 2,577 |
| Net loans and leases to core deposits | 84.4641% | 2,297 |
| Total domestic deposits to total assets | 91.8400% | 486 |
| Equity capital to assets | 7.8171% | 3,172 |
| Core capital (leverage) ratio | 7.7218% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4591% | 2,094 |
| Memoranda: | ||
| Average total assets | $25,806,000 | 4,517 |
| Average earning assets | $23,040,750 | 4,495 |
| Average equity | $2,175,750 | 4,500 |
| Average total loans | $19,119,750 | 4,322 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 1,212 |
| Cost of funding earning assets | 0.4835% | 4,014 |
| Net interest margin | 4.7188% | 446 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 4.8843% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.4216% | 4,558 |
| Return on assets (ROA) | -0.4534% | 4,557 |
| Pretax return on assets | -0.4534% | 4,548 |
| Return on Equity (ROE) | -5.2400% | 4,545 |
| Retained earnings to average equity (ytd only) | -5.2374% | 4,429 |
| Net charge-offs to loans | -0.3028% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 109.4474% | 100 |
| Assets per employee ($millions) | 5.3928% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 3,949 |
| Loan loss allowance to noncurrent loans | 239.3939% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 1,276 |
| Noncurrent loans to loans | 0.3469% | 1,889 |
| Net loans and leases to total assets | 69.9700% | 1,742 |
| Net loans and leases to deposits | 76.1872% | 2,292 |
| Net loans and leases to core deposits | 87.4971% | 1,966 |
| Total domestic deposits to total assets | 91.8400% | 448 |
| Equity capital to assets | 7.9180% | 3,271 |
| Core capital (leverage) ratio | 8.1076% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8701% | 1,950 |
| Memoranda: | ||
| Average total assets | $25,142,000 | 4,552 |
| Average earning assets | $22,336,333 | 4,526 |
| Average equity | $2,176,667 | 4,536 |
| Average total loans | $19,153,000 | 4,342 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 496 |
| Cost of funding earning assets | 0.4873% | 3,738 |
| Net interest margin | 5.1544% | 234 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 4.5727% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1816% | 4,374 |
| Return on assets (ROA) | 0.1816% | 4,343 |
| Pretax return on assets | 0.1816% | 4,356 |
| Return on Equity (ROE) | 2.0000% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.0023% | 3,703 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.1806% | 217 |
| Assets per employee ($millions) | 4.7850% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 4,272 |
| Loan loss allowance to noncurrent loans | 100.7813% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 240 |
| Noncurrent loans to loans | 0.6726% | 1,122 |
| Net loans and leases to total assets | 79.0000% | 641 |
| Net loans and leases to deposits | 87.3267% | 1,268 |
| Net loans and leases to core deposits | 102.4333% | 987 |
| Total domestic deposits to total assets | 90.4700% | 987 |
| Equity capital to assets | 9.2079% | 2,365 |
| Core capital (leverage) ratio | 8.8727% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4447% | 1,809 |
| Memoranda: | ||
| Average total assets | $24,231,000 | 4,613 |
| Average earning assets | $21,341,000 | 4,591 |
| Average equity | $2,197,500 | 4,594 |
| Average total loans | $19,217,000 | 4,404 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9411% | 99 |
| Cost of funding earning assets | 0.5405% | 1,155 |
| Net interest margin | 5.4006% | 93 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 4.2401% | 284 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.2715% | 4,394 |
| Return on assets (ROA) | 0.2715% | 4,373 |
| Pretax return on assets | 0.2715% | 4,394 |
| Return on Equity (ROE) | 3.3300% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.3315% | 3,618 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 95.7686% | 198 |
| Assets per employee ($millions) | 4.0895% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 4,264 |
| Loan loss allowance to noncurrent loans | 56.5789% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7851% | 149 |
| Noncurrent loans to loans | 1.1750% | 601 |
| Net loans and leases to total assets | 78.5500% | 747 |
| Net loans and leases to deposits | 86.4776% | 1,278 |
| Net loans and leases to core deposits | 103.7406% | 829 |
| Total domestic deposits to total assets | 90.8400% | 1,013 |
| Equity capital to assets | 8.9334% | 2,400 |
| Core capital (leverage) ratio | 8.2963% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0534% | 1,960 |
| Memoranda: | ||
| Average total assets | $26,155,200 | 4,639 |
| Average earning assets | $21,090,400 | 4,630 |
| Average equity | $2,131,200 | 4,671 |
| Average total loans | $18,895,800 | 4,429 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1722% | 168 |
| Cost of funding earning assets | 0.5548% | 564 |
| Net interest margin | 4.6173% | 192 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 3.8654% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0201% | 4,582 |
| Return on assets (ROA) | 0.0201% | 4,555 |
| Pretax return on assets | 0.0201% | 4,550 |
| Return on Equity (ROE) | 0.2500% | 4,547 |
| Retained earnings to average equity (ytd only) | 0.2520% | 4,303 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.4832% | 163 |
| Assets per employee ($millions) | 4.3392% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 4,365 |
| Loan loss allowance to noncurrent loans | 21.4801% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 3.0689% | 48 |
| Noncurrent loans to loans | 2.8629% | 170 |
| Net loans and leases to total assets | 73.8700% | 1,111 |
| Net loans and leases to deposits | 80.6881% | 1,547 |
| Net loans and leases to core deposits | 95.4916% | 1,024 |
| Total domestic deposits to total assets | 91.5500% | 1,027 |
| Equity capital to assets | 8.1621% | 2,785 |
| Core capital (leverage) ratio | 7.7352% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9492% | 2,493 |
| Memoranda: | ||
| Average total assets | $26,559,750 | 4,670 |
| Average earning assets | $20,906,250 | 4,668 |
| Average equity | $2,116,000 | 4,710 |
| Average total loans | $18,768,750 | 4,462 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4498% | 105 |
| Cost of funding earning assets | 0.5857% | 311 |
| Net interest margin | 4.8641% | 118 |
| Noninterest income to average assets | 0.0898% | 4,528 |
| Noninterest expense to average assets | 4.0173% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2618% | 4,648 |
| Return on assets (ROA) | -0.2618% | 4,625 |
| Pretax return on assets | -0.2618% | 4,613 |
| Return on Equity (ROE) | -3.3128% | 4,650 |
| Retained earnings to average equity (ytd only) | -3.3128% | 4,472 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9721% | 130 |
| Assets per employee ($millions) | 4.4420% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6264% | 4,437 |
| Loan loss allowance to noncurrent loans | 19.6370% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.1105% | 55 |
| Noncurrent loans to loans | 3.1898% | 154 |
| Net loans and leases to total assets | 70.8352% | 1,217 |
| Net loans and leases to deposits | 77.0006% | 1,610 |
| Net loans and leases to core deposits | 90.6642% | 1,083 |
| Total domestic deposits to total assets | 91.9931% | 836 |
| Equity capital to assets | 7.8268% | 3,248 |
| Core capital (leverage) ratio | 7.6182% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9906% | 2,502 |
| Memoranda: | ||
| Average total assets | $26,734,667 | 4,700 |
| Average earning assets | $20,147,667 | 4,720 |
| Average equity | $2,113,000 | 4,738 |
| Average total loans | $18,574,667 | 4,526 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0786% | 65 |
| Cost of funding earning assets | 0.6467% | 203 |
| Net interest margin | 5.4319% | 76 |
| Noninterest income to average assets | 0.2838% | 3,431 |
| Noninterest expense to average assets | 3.8841% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1643% | 4,386 |
| Return on assets (ROA) | 0.1643% | 4,356 |
| Pretax return on assets | 0.1643% | 4,370 |
| Return on Equity (ROE) | 2.0691% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.0691% | 3,520 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9410% | 331 |
| Assets per employee ($millions) | 3.8010% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6525% | 4,459 |
| Loan loss allowance to noncurrent loans | 34.3931% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.6346% | 82 |
| Noncurrent loans to loans | 1.8972% | 394 |
| Net loans and leases to total assets | 68.0949% | 1,206 |
| Net loans and leases to deposits | 74.2328% | 1,586 |
| Net loans and leases to core deposits | 87.7258% | 1,036 |
| Total domestic deposits to total assets | 91.7315% | 686 |
| Equity capital to assets | 8.0129% | 3,559 |
| Core capital (leverage) ratio | 7.5895% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4910% | 2,415 |
| Memoranda: | ||
| Average total assets | $26,776,000 | 4,725 |
| Average earning assets | $18,557,000 | 4,751 |
| Average equity | $2,126,500 | 4,763 |
| Average total loans | $18,363,000 | 4,546 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 113 |
| Cost of funding earning assets | 0.7946% | 209 |
| Net interest margin | 4.8650% | 163 |
| Noninterest income to average assets | 1.7251% | 385 |
| Noninterest expense to average assets | 4.1949% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8143% | 3,289 |
| Return on assets (ROA) | 0.7873% | 3,439 |
| Pretax return on assets | 0.7873% | 3,752 |
| Return on Equity (ROE) | 10.2958% | 2,414 |
| Retained earnings to average equity (ytd only) | 10.2958% | 848 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7442% | 585 |
| Assets per employee ($millions) | 3.8493% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 4,324 |
| Loan loss allowance to noncurrent loans | 21.0448% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 3.8857% | 45 |
| Noncurrent loans to loans | 3.6238% | 138 |
| Net loans and leases to total assets | 68.0943% | 1,252 |
| Net loans and leases to deposits | 74.0585% | 1,721 |
| Net loans and leases to core deposits | 86.2542% | 1,187 |
| Total domestic deposits to total assets | 91.9466% | 195 |
| Equity capital to assets | 7.8716% | 4,433 |
| Core capital (leverage) ratio | 7.4507% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7846% | 2,704 |
| Memoranda: | ||
| Average total assets | $25,912,200 | 4,773 |
| Average earning assets | $17,492,400 | 4,796 |
| Average equity | $1,981,400 | 4,816 |
| Average total loans | $17,427,800 | 4,608 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7112% | 120 |
| Cost of funding earning assets | 0.8358% | 208 |
| Net interest margin | 4.8754% | 178 |
| Noninterest income to average assets | 2.2556% | 281 |
| Noninterest expense to average assets | 4.1578% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3721% | 1,623 |
| Return on assets (ROA) | 1.3721% | 1,677 |
| Pretax return on assets | 1.3721% | 2,432 |
| Return on Equity (ROE) | 18.0833% | 619 |
| Retained earnings to average equity (ytd only) | 18.0833% | 191 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1880% | 1,103 |
| Assets per employee ($millions) | 3.8710% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 4,344 |
| Loan loss allowance to noncurrent loans | 18.0769% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 4.3473% | 41 |
| Noncurrent loans to loans | 4.4437% | 98 |
| Net loans and leases to total assets | 64.2580% | 1,735 |
| Net loans and leases to deposits | 70.1023% | 2,234 |
| Net loans and leases to core deposits | 81.5627% | 1,606 |
| Total domestic deposits to total assets | 91.6633% | 197 |
| Equity capital to assets | 8.0489% | 4,497 |
| Core capital (leverage) ratio | 7.8722% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0476% | 2,347 |
| Memoranda: | ||
| Average total assets | $25,654,000 | 4,845 |
| Average earning assets | $17,228,750 | 4,870 |
| Average equity | $1,946,500 | 4,889 |
| Average total loans | $17,162,500 | 4,678 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 154 |
| Cost of funding earning assets | 0.8656% | 212 |
| Net interest margin | 4.7139% | 255 |
| Noninterest income to average assets | 0.2463% | 3,923 |
| Noninterest expense to average assets | 4.1545% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7070% | 4,884 |
| Return on assets (ROA) | -0.7070% | 4,888 |
| Pretax return on assets | -0.7070% | 4,882 |
| Return on Equity (ROE) | -9.4832% | 4,911 |
| Retained earnings to average equity (ytd only) | -9.4832% | 4,867 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5069% | 74 |
| Assets per employee ($millions) | 3.6487% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 4,349 |
| Loan loss allowance to noncurrent loans | 21.8266% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 4.2951% | 49 |
| Noncurrent loans to loans | 3.7182% | 161 |
| Net loans and leases to total assets | 67.4719% | 1,519 |
| Net loans and leases to deposits | 72.8699% | 2,127 |
| Net loans and leases to core deposits | 85.2233% | 1,476 |
| Total domestic deposits to total assets | 92.5923% | 61 |
| Equity capital to assets | 7.1571% | 4,813 |
| Core capital (leverage) ratio | 6.8756% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0556% | 2,946 |
| Memoranda: | ||
| Average total assets | $25,177,333 | 4,883 |
| Average earning assets | $17,098,333 | 4,907 |
| Average equity | $1,877,000 | 4,928 |
| Average total loans | $17,032,333 | 4,715 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 182 |
| Cost of funding earning assets | 0.9216% | 201 |
| Net interest margin | 4.6551% | 283 |
| Noninterest income to average assets | 0.2560% | 3,864 |
| Noninterest expense to average assets | 4.3208% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.9122% | 4,924 |
| Return on assets (ROA) | -0.9122% | 4,922 |
| Pretax return on assets | -0.9122% | 4,924 |
| Return on Equity (ROE) | -11.9905% | 4,945 |
| Retained earnings to average equity (ytd only) | -11.9905% | 4,842 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7606% | 61 |
| Assets per employee ($millions) | 3.5924% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,301 |
| Loan loss allowance to noncurrent loans | 19.7479% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 5.2730% | 33 |
| Noncurrent loans to loans | 4.2981% | 123 |
| Net loans and leases to total assets | 65.4989% | 1,866 |
| Net loans and leases to deposits | 70.9957% | 2,420 |
| Net loans and leases to core deposits | 79.2408% | 2,074 |
| Total domestic deposits to total assets | 92.2575% | 99 |
| Equity capital to assets | 7.4482% | 4,726 |
| Core capital (leverage) ratio | 7.1047% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3753% | 2,849 |
| Memoranda: | ||
| Average total assets | $24,995,500 | 4,909 |
| Average earning assets | $16,927,500 | 4,934 |
| Average equity | $1,901,500 | 4,954 |
| Average total loans | $16,861,500 | 4,745 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 140 |
| Cost of funding earning assets | 0.9736% | 657 |
| Net interest margin | 4.7136% | 209 |
| Noninterest income to average assets | 0.1617% | 4,490 |
| Noninterest expense to average assets | 4.0673% | 359 |
| Loan and lease loss provision to assets | 0.1319% | 2,714 |
| Net operating income to assets | -0.6595% | 4,896 |
| Return on assets (ROA) | -0.6765% | 4,904 |
| Pretax return on assets | -0.6765% | 4,898 |
| Return on Equity (ROE) | -7.9659% | 4,928 |
| Retained earnings to average equity (ytd only) | -7.9659% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9038% | 99 |
| Assets per employee ($millions) | 4.1407% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 4,370 |
| Loan loss allowance to noncurrent loans | 19.2360% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 6.0216% | 34 |
| Noncurrent loans to loans | 4.2838% | 121 |
| Net loans and leases to total assets | 68.3062% | 1,786 |
| Net loans and leases to deposits | 74.2475% | 2,463 |
| Net loans and leases to core deposits | 88.6208% | 1,631 |
| Total domestic deposits to total assets | 91.9981% | 70 |
| Equity capital to assets | 7.7685% | 4,782 |
| Core capital (leverage) ratio | 7.3947% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6538% | 2,752 |
| Memoranda: | ||
| Average total assets | $23,504,400 | 4,932 |
| Average earning assets | $16,844,800 | 4,952 |
| Average equity | $1,996,000 | 4,972 |
| Average total loans | $16,761,800 | 4,775 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7351% | 149 |
| Cost of funding earning assets | 0.9784% | 824 |
| Net interest margin | 4.7567% | 223 |
| Noninterest income to average assets | 0.0978% | 4,767 |
| Noninterest expense to average assets | 4.2066% | 322 |
| Loan and lease loss provision to assets | 0.1554% | 2,460 |
| Net operating income to assets | -0.8229% | 4,930 |
| Return on assets (ROA) | -0.8229% | 4,937 |
| Pretax return on assets | -0.8229% | 4,926 |
| Return on Equity (ROE) | -9.4739% | 4,963 |
| Retained earnings to average equity (ytd only) | -9.4739% | 4,924 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8618% | 81 |
| Assets per employee ($millions) | 4.0680% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,274 |
| Loan loss allowance to noncurrent loans | 19.8551% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 5.9530% | 39 |
| Noncurrent loans to loans | 4.2081% | 149 |
| Net loans and leases to total assets | 66.6175% | 2,438 |
| Net loans and leases to deposits | 72.6574% | 3,073 |
| Net loans and leases to core deposits | 86.9937% | 2,236 |
| Total domestic deposits to total assets | 91.6872% | 84 |
| Equity capital to assets | 7.9728% | 4,721 |
| Core capital (leverage) ratio | 7.9705% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9903% | 2,614 |
| Memoranda: | ||
| Average total assets | $23,169,500 | 4,964 |
| Average earning assets | $16,761,750 | 4,984 |
| Average equity | $2,012,500 | 5,002 |
| Average total loans | $16,674,500 | 4,808 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6590% | 250 |
| Cost of funding earning assets | 0.9610% | 1,104 |
| Net interest margin | 4.6981% | 341 |
| Noninterest income to average assets | 0.0439% | 4,926 |
| Noninterest expense to average assets | 4.4295% | 272 |
| Loan and lease loss provision to assets | 0.2373% | 1,779 |
| Net operating income to assets | -1.1425% | 4,973 |
| Return on assets (ROA) | -1.1425% | 4,973 |
| Pretax return on assets | -1.1425% | 4,960 |
| Return on Equity (ROE) | -12.7785% | 5,002 |
| Retained earnings to average equity (ytd only) | -12.7785% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6858% | 75 |
| Assets per employee ($millions) | 4.7066% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 4,222 |
| Loan loss allowance to noncurrent loans | 18.9751% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 6.3103% | 37 |
| Noncurrent loans to loans | 4.4243% | 139 |
| Net loans and leases to total assets | 68.7630% | 2,219 |
| Net loans and leases to deposits | 75.1812% | 2,955 |
| Net loans and leases to core deposits | 90.7266% | 2,016 |
| Total domestic deposits to total assets | 91.4631% | 91 |
| Equity capital to assets | 8.3245% | 4,575 |
| Core capital (leverage) ratio | 8.0002% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4000% | 2,442 |
| Memoranda: | ||
| Average total assets | $22,756,667 | 4,996 |
| Average earning assets | $16,858,000 | 5,013 |
| Average equity | $2,034,667 | 5,033 |
| Average total loans | $16,767,000 | 4,833 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6641% | 268 |
| Cost of funding earning assets | 0.9362% | 1,712 |
| Net interest margin | 4.7279% | 309 |
| Noninterest income to average assets | 0.0894% | 4,867 |
| Noninterest expense to average assets | 4.2023% | 415 |
| Loan and lease loss provision to assets | 0.0894% | 2,570 |
| Net operating income to assets | -0.5901% | 4,946 |
| Return on assets (ROA) | -0.5901% | 4,920 |
| Pretax return on assets | -0.5901% | 4,901 |
| Return on Equity (ROE) | -6.3691% | 4,953 |
| Retained earnings to average equity (ytd only) | -6.3691% | 4,605 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5266% | 130 |
| Assets per employee ($millions) | 3.7930% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 4,639 |
| Loan loss allowance to noncurrent loans | 11.9667% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 7.5973% | 31 |
| Noncurrent loans to loans | 5.7128% | 89 |
| Net loans and leases to total assets | 73.4115% | 1,709 |
| Net loans and leases to deposits | 80.9173% | 2,584 |
| Net loans and leases to core deposits | 96.8690% | 1,724 |
| Total domestic deposits to total assets | 90.7241% | 144 |
| Equity capital to assets | 9.0342% | 4,583 |
| Core capital (leverage) ratio | 8.8132% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9463% | 2,312 |
| Memoranda: | ||
| Average total assets | $22,368,500 | 5,042 |
| Average earning assets | $17,090,000 | 5,058 |
| Average equity | $2,072,500 | 5,074 |
| Average total loans | $16,991,000 | 4,868 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 319 |
| Cost of funding earning assets | 0.8826% | 2,273 |
| Net interest margin | 4.9279% | 311 |
| Noninterest income to average assets | 0.0576% | 5,019 |
| Noninterest expense to average assets | 4.1748% | 436 |
| Loan and lease loss provision to assets | 0.0266% | 3,479 |
| Net operating income to assets | -0.2836% | 5,030 |
| Return on assets (ROA) | -0.2836% | 5,038 |
| Pretax return on assets | -0.2836% | 5,036 |
| Return on Equity (ROE) | -3.0346% | 5,048 |
| Retained earnings to average equity (ytd only) | -3.0346% | 4,913 |
| Net charge-offs to loans | 0.3126% | 665 |
| Credit loss provision to net charge-offs | 10.9091% | 3,354 |
| Earnings coverage of net charge-offs (x) | -1.0545% | 3,656 |
| Efficiency ratio | 106.5611% | 120 |
| Assets per employee ($millions) | 3.6632% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 4,668 |
| Loan loss allowance to noncurrent loans | 9.3458% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 8.8494% | 21 |
| Noncurrent loans to loans | 6.8590% | 50 |
| Net loans and leases to total assets | 77.5740% | 1,144 |
| Net loans and leases to deposits | 85.8337% | 2,112 |
| Net loans and leases to core deposits | 103.5593% | 1,263 |
| Total domestic deposits to total assets | 90.3772% | 220 |
| Equity capital to assets | 9.5045% | 4,352 |
| Core capital (leverage) ratio | 8.8820% | 4,614 |
| Tier 1 risk-based capital ratio | 13.2059% | 3,681 |
| Total risk-based capital ratio | 13.9784% | 3,818 |
| Memoranda: | ||
| Average total assets | $22,563,800 | 5,093 |
| Average earning assets | $17,674,800 | 5,108 |
| Average equity | $2,109,000 | 5,130 |
| Average total loans | $17,595,800 | 4,917 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9247% | 276 |
| Cost of funding earning assets | 0.8775% | 2,333 |
| Net interest margin | 5.0472% | 262 |
| Noninterest income to average assets | 0.0587% | 5,093 |
| Noninterest expense to average assets | 4.2976% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.2877% | 5,115 |
| Return on assets (ROA) | -0.2877% | 5,121 |
| Pretax return on assets | -0.2877% | 5,115 |
| Return on Equity (ROE) | -3.0904% | 5,136 |
| Retained earnings to average equity (ytd only) | -3.0904% | 4,993 |
| Net charge-offs to loans | 0.3314% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -1.1135% | 3,394 |
| Efficiency ratio | 107.1742% | 113 |
| Assets per employee ($millions) | 3.7520% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6687% | 4,701 |
| Loan loss allowance to noncurrent loans | 15.3129% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 7.0007% | 34 |
| Noncurrent loans to loans | 4.3670% | 142 |
| Net loans and leases to total assets | 75.8795% | 1,503 |
| Net loans and leases to deposits | 83.9782% | 2,460 |
| Net loans and leases to core deposits | 100.7431% | 1,604 |
| Total domestic deposits to total assets | 90.3563% | 201 |
| Equity capital to assets | 9.3506% | 4,564 |
| Core capital (leverage) ratio | 8.9645% | 4,664 |
| Tier 1 risk-based capital ratio | 13.3592% | 3,653 |
| Total risk-based capital ratio | 14.1816% | 3,780 |
| Memoranda: | ||
| Average total assets | $22,710,000 | 5,170 |
| Average earning assets | $17,778,250 | 5,187 |
| Average equity | $2,114,000 | 5,207 |
| Average total loans | $17,704,750 | 4,987 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 425 |
| Cost of funding earning assets | 0.8584% | 2,360 |
| Net interest margin | 4.8162% | 395 |
| Noninterest income to average assets | 0.0615% | 5,133 |
| Noninterest expense to average assets | 4.3467% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.4917% | 5,190 |
| Return on assets (ROA) | -0.4917% | 5,196 |
| Pretax return on assets | -0.4917% | 5,192 |
| Return on Equity (ROE) | -5.2905% | 5,206 |
| Retained earnings to average equity (ytd only) | -5.2905% | 5,069 |
| Net charge-offs to loans | 0.4923% | 317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -1.2727% | 3,121 |
| Efficiency ratio | 112.7563% | 93 |
| Assets per employee ($millions) | 3.7177% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 4,788 |
| Loan loss allowance to noncurrent loans | 13.5294% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 7.4150% | 31 |
| Noncurrent loans to loans | 4.8483% | 113 |
| Net loans and leases to total assets | 78.0821% | 1,207 |
| Net loans and leases to deposits | 86.2313% | 2,230 |
| Net loans and leases to core deposits | 107.6253% | 1,127 |
| Total domestic deposits to total assets | 90.5496% | 186 |
| Equity capital to assets | 9.3652% | 4,529 |
| Core capital (leverage) ratio | 8.7738% | 4,794 |
| Tier 1 risk-based capital ratio | 13.1781% | 3,746 |
| Total risk-based capital ratio | 13.9541% | 3,908 |
| Memoranda: | ||
| Average total assets | $22,776,000 | 5,217 |
| Average earning assets | $17,939,330 | 5,232 |
| Average equity | $2,117,000 | 5,248 |
| Average total loans | $17,874,000 | 5,027 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7455% | 339 |
| Cost of funding earning assets | 0.8176% | 2,437 |
| Net interest margin | 4.9279% | 322 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 4.3979% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.5215% | 5,253 |
| Return on assets (ROA) | -0.5215% | 5,249 |
| Pretax return on assets | -0.5215% | 5,243 |
| Return on Equity (ROE) | -5.6312% | 5,265 |
| Retained earnings to average equity (ytd only) | -5.6312% | 4,955 |
| Net charge-offs to loans | 0.8645% | 167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -0.7692% | 2,690 |
| Efficiency ratio | 113.4529% | 92 |
| Assets per employee ($millions) | 3.8053% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 4,831 |
| Loan loss allowance to noncurrent loans | 12.3711% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 8.3917% | 24 |
| Noncurrent loans to loans | 5.4078% | 97 |
| Net loans and leases to total assets | 78.0352% | 1,139 |
| Net loans and leases to deposits | 86.1724% | 2,111 |
| Net loans and leases to core deposits | 106.8550% | 1,114 |
| Total domestic deposits to total assets | 90.5571% | 266 |
| Equity capital to assets | 9.2677% | 4,466 |
| Core capital (leverage) ratio | 8.8152% | 4,782 |
| Tier 1 risk-based capital ratio | 12.9219% | 3,917 |
| Total risk-based capital ratio | 13.7046% | 4,063 |
| Memoranda: | ||
| Average total assets | $23,011,000 | 5,271 |
| Average earning assets | $18,101,000 | 5,287 |
| Average equity | $2,131,000 | 5,301 |
| Average total loans | $18,045,000 | 5,075 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8688% | 211 |
| Cost of funding earning assets | 0.7889% | 1,583 |
| Net interest margin | 5.0799% | 228 |
| Noninterest income to average assets | 0.0506% | 5,272 |
| Noninterest expense to average assets | 3.9573% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1139% | 5,173 |
| Return on assets (ROA) | 0.1139% | 5,167 |
| Pretax return on assets | 0.1139% | 5,169 |
| Return on Equity (ROE) | 1.2681% | 5,133 |
| Retained earnings to average equity (ytd only) | 1.2681% | 4,627 |
| Net charge-offs to loans | 0.1334% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1.0800% | 3,653 |
| Efficiency ratio | 97.2021% | 185 |
| Assets per employee ($millions) | 3.8657% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,269 |
| Loan loss allowance to noncurrent loans | 13.4746% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 9.2438% | 18 |
| Noncurrent loans to loans | 6.5003% | 62 |
| Net loans and leases to total assets | 77.5804% | 1,341 |
| Net loans and leases to deposits | 85.6001% | 2,329 |
| Net loans and leases to core deposits | 105.6048% | 1,297 |
| Total domestic deposits to total assets | 90.6312% | 289 |
| Equity capital to assets | 9.2653% | 4,355 |
| Core capital (leverage) ratio | 8.6360% | 4,929 |
| Tier 1 risk-based capital ratio | 12.5329% | 4,115 |
| Total risk-based capital ratio | 13.5186% | 4,145 |
| Memoranda: | ||
| Average total assets | $23,702,800 | 5,310 |
| Average earning assets | $18,760,200 | 5,328 |
| Average equity | $2,129,200 | 5,345 |
| Average total loans | $18,746,200 | 5,104 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8402% | 200 |
| Cost of funding earning assets | 0.7829% | 1,419 |
| Net interest margin | 5.0573% | 234 |
| Noninterest income to average assets | 0.0224% | 5,394 |
| Noninterest expense to average assets | 4.0172% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0168% | 5,293 |
| Return on assets (ROA) | 0.0168% | 5,290 |
| Pretax return on assets | 0.0168% | 5,287 |
| Return on Equity (ROE) | 0.1883% | 5,288 |
| Retained earnings to average equity (ytd only) | 0.1883% | 5,005 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5839% | 161 |
| Assets per employee ($millions) | 3.9310% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,780 |
| Loan loss allowance to noncurrent loans | 15.1067% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 9.2131% | 23 |
| Noncurrent loans to loans | 6.6095% | 64 |
| Net loans and leases to total assets | 77.3510% | 1,438 |
| Net loans and leases to deposits | 85.2046% | 2,451 |
| Net loans and leases to core deposits | 116.7018% | 685 |
| Total domestic deposits to total assets | 90.7827% | 270 |
| Equity capital to assets | 9.0096% | 4,538 |
| Core capital (leverage) ratio | 8.6078% | 5,027 |
| Tier 1 risk-based capital ratio | 12.5039% | 4,198 |
| Total risk-based capital ratio | 13.6597% | 4,139 |
| Memoranda: | ||
| Average total assets | $23,830,000 | 5,379 |
| Average earning assets | $18,903,000 | 5,398 |
| Average equity | $2,124,250 | 5,416 |
| Average total loans | $18,894,500 | 5,159 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 212 |
| Cost of funding earning assets | 0.7871% | 1,188 |
| Net interest margin | 4.9640% | 262 |
| Noninterest income to average assets | 0.0753% | 5,337 |
| Noninterest expense to average assets | 4.0065% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0251% | 5,328 |
| Return on assets (ROA) | 0.0251% | 5,323 |
| Pretax return on assets | 0.0251% | 5,326 |
| Return on Equity (ROE) | 0.2825% | 5,320 |
| Retained earnings to average equity (ytd only) | 0.2825% | 4,910 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3776% | 184 |
| Assets per employee ($millions) | 3.9898% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,936 |
| Loan loss allowance to noncurrent loans | 17.8295% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 8.9645% | 30 |
| Noncurrent loans to loans | 5.5178% | 107 |
| Net loans and leases to total assets | 77.3591% | 1,411 |
| Net loans and leases to deposits | 84.9612% | 2,435 |
| Net loans and leases to core deposits | 115.4551% | 725 |
| Total domestic deposits to total assets | 91.0523% | 238 |
| Equity capital to assets | 8.8767% | 4,666 |
| Core capital (leverage) ratio | 8.5521% | 5,072 |
| Tier 1 risk-based capital ratio | 12.2332% | 4,354 |
| Total risk-based capital ratio | 13.3640% | 4,307 |
| Memoranda: | ||
| Average total assets | $23,911,330 | 5,440 |
| Average earning assets | $19,057,330 | 5,459 |
| Average equity | $2,124,000 | 5,478 |
| Average total loans | $19,050,000 | 5,216 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 198 |
| Cost of funding earning assets | 0.7697% | 1,098 |
| Net interest margin | 4.9923% | 229 |
| Noninterest income to average assets | 0.0838% | 5,385 |
| Noninterest expense to average assets | 4.0575% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0503% | 5,359 |
| Return on assets (ROA) | 0.0503% | 5,355 |
| Pretax return on assets | 0.0503% | 5,358 |
| Return on Equity (ROE) | 0.5789% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.5789% | 4,719 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7755% | 194 |
| Assets per employee ($millions) | 3.9568% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 4,152 |
| Loan loss allowance to noncurrent loans | 17.7264% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 8.8918% | 26 |
| Noncurrent loans to loans | 5.4323% | 125 |
| Net loans and leases to total assets | 79.7102% | 976 |
| Net loans and leases to deposits | 87.5949% | 1,982 |
| Net loans and leases to core deposits | 117.2927% | 680 |
| Total domestic deposits to total assets | 90.9987% | 323 |
| Equity capital to assets | 8.7402% | 4,794 |
| Core capital (leverage) ratio | 8.3769% | 5,216 |
| Tier 1 risk-based capital ratio | 11.8534% | 4,648 |
| Total risk-based capital ratio | 12.9769% | 4,611 |
| Memoranda: | ||
| Average total assets | $23,857,000 | 5,499 |
| Average earning assets | $19,229,500 | 5,515 |
| Average equity | $2,073,000 | 5,542 |
| Average total loans | $19,223,500 | 5,273 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1284% | 112 |
| Cost of funding earning assets | 0.8153% | 569 |
| Net interest margin | 5.3131% | 140 |
| Noninterest income to average assets | 0.0454% | 5,545 |
| Noninterest expense to average assets | 4.1544% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0041% | 5,352 |
| Return on assets (ROA) | 0.0041% | 5,352 |
| Pretax return on assets | 0.0041% | 5,434 |
| Return on Equity (ROE) | 0.0482% | 5,350 |
| Retained earnings to average equity (ytd only) | 0.0482% | 4,989 |
| Net charge-offs to loans | 0.2236% | 1,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.0238% | 4,016 |
| Efficiency ratio | 99.9008% | 173 |
| Assets per employee ($millions) | 3.9955% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,200 |
| Loan loss allowance to noncurrent loans | 11.2058% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 11.3252% | 19 |
| Noncurrent loans to loans | 8.4906% | 39 |
| Net loans and leases to total assets | 79.9024% | 974 |
| Net loans and leases to deposits | 87.5978% | 2,065 |
| Net loans and leases to core deposits | 103.3562% | 1,459 |
| Total domestic deposits to total assets | 91.2151% | 193 |
| Equity capital to assets | 8.6389% | 4,998 |
| Core capital (leverage) ratio | 8.0717% | 5,411 |
| Tier 1 risk-based capital ratio | 11.4630% | 4,872 |
| Total risk-based capital ratio | 12.5517% | 4,855 |
| Memoranda: | ||
| Average total assets | $24,239,400 | 5,554 |
| Average earning assets | $18,765,000 | 5,586 |
| Average equity | $2,074,800 | 5,603 |
| Average total loans | $18,786,600 | 5,339 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1724% | 110 |
| Cost of funding earning assets | 0.8235% | 504 |
| Net interest margin | 5.3490% | 133 |
| Noninterest income to average assets | 0.0055% | 5,674 |
| Noninterest expense to average assets | 4.3445% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2414% | 5,590 |
| Return on assets (ROA) | -0.2414% | 5,591 |
| Pretax return on assets | -0.2414% | 5,583 |
| Return on Equity (ROE) | -2.8264% | 5,604 |
| Retained earnings to average equity (ytd only) | -2.8264% | 5,474 |
| Net charge-offs to loans | 0.3003% | 703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -1.0477% | 3,719 |
| Efficiency ratio | 105.8824% | 119 |
| Assets per employee ($millions) | 4.0270% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,231 |
| Loan loss allowance to noncurrent loans | 13.1523% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 10.2309% | 25 |
| Noncurrent loans to loans | 7.3838% | 62 |
| Net loans and leases to total assets | 77.6550% | 1,322 |
| Net loans and leases to deposits | 85.4300% | 2,373 |
| Net loans and leases to core deposits | 100.6653% | 1,651 |
| Total domestic deposits to total assets | 90.8989% | 209 |
| Equity capital to assets | 8.4265% | 5,330 |
| Core capital (leverage) ratio | 8.1824% | 5,432 |
| Tier 1 risk-based capital ratio | 11.7321% | 4,815 |
| Total risk-based capital ratio | 12.9060% | 4,738 |
| Memoranda: | ||
| Average total assets | $24,306,000 | 5,615 |
| Average earning assets | $18,620,000 | 5,653 |
| Average equity | $2,075,750 | 5,666 |
| Average total loans | $18,648,500 | 5,399 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3762% | 84 |
| Cost of funding earning assets | 0.8430% | 417 |
| Net interest margin | 5.5332% | 100 |
| Noninterest income to average assets | 0.1560% | 5,278 |
| Noninterest expense to average assets | 4.3114% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0493% | 5,527 |
| Return on assets (ROA) | 0.0493% | 5,532 |
| Pretax return on assets | 0.0493% | 5,528 |
| Return on Equity (ROE) | 0.5744% | 5,519 |
| Retained earnings to average equity (ytd only) | 0.5744% | 4,959 |
| Net charge-offs to loans | 0.4529% | 442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.1429% | 3,402 |
| Efficiency ratio | 98.8701% | 203 |
| Assets per employee ($millions) | 4.1093% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,102 |
| Loan loss allowance to noncurrent loans | 14.2085% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 10.7073% | 23 |
| Noncurrent loans to loans | 7.0808% | 68 |
| Net loans and leases to total assets | 73.4304% | 1,970 |
| Net loans and leases to deposits | 80.5777% | 2,851 |
| Net loans and leases to core deposits | 95.8697% | 1,993 |
| Total domestic deposits to total assets | 91.1299% | 192 |
| Equity capital to assets | 8.4564% | 5,332 |
| Core capital (leverage) ratio | 8.5038% | 5,215 |
| Tier 1 risk-based capital ratio | 12.6268% | 4,225 |
| Total risk-based capital ratio | 13.8064% | 4,172 |
| Memoranda: | ||
| Average total assets | $24,354,000 | 5,662 |
| Average earning assets | $18,506,330 | 5,702 |
| Average equity | $2,089,000 | 5,714 |
| Average total loans | $18,549,000 | 5,448 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9675% | 60 |
| Cost of funding earning assets | 0.8361% | 398 |
| Net interest margin | 6.1314% | 68 |
| Noninterest income to average assets | 0.2144% | 4,983 |
| Noninterest expense to average assets | 4.5355% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3958% | 4,952 |
| Return on assets (ROA) | 0.3958% | 4,978 |
| Pretax return on assets | 0.3958% | 5,164 |
| Return on Equity (ROE) | 4.4839% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.4839% | 3,178 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9732% | 455 |
| Assets per employee ($millions) | 4.0362% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,618 |
| Loan loss allowance to noncurrent loans | 14.7527% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 10.4885% | 31 |
| Noncurrent loans to loans | 6.3370% | 99 |
| Net loans and leases to total assets | 77.0120% | 1,265 |
| Net loans and leases to deposits | 84.8306% | 2,180 |
| Net loans and leases to core deposits | 101.2871% | 1,424 |
| Total domestic deposits to total assets | 90.7833% | 366 |
| Equity capital to assets | 8.8904% | 4,915 |
| Core capital (leverage) ratio | 8.5299% | 5,210 |
| Tier 1 risk-based capital ratio | 12.3711% | 4,466 |
| Total risk-based capital ratio | 13.4930% | 4,451 |
| Memoranda: | ||
| Average total assets | $24,253,000 | 5,731 |
| Average earning assets | $18,658,000 | 5,767 |
| Average equity | $2,141,000 | 5,773 |
| Average total loans | $18,679,000 | 5,504 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 167 |
| Cost of funding earning assets | 0.8283% | 434 |
| Net interest margin | 4.9807% | 259 |
| Noninterest income to average assets | 0.1756% | 5,346 |
| Noninterest expense to average assets | 4.5609% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4431% | 5,774 |
| Return on assets (ROA) | -0.4431% | 5,785 |
| Pretax return on assets | -0.4891% | 5,778 |
| Return on Equity (ROE) | -4.8199% | 5,786 |
| Retained earnings to average equity (ytd only) | -4.8199% | 5,669 |
| Net charge-offs to loans | 0.4615% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -1.3448% | 4,179 |
| Efficiency ratio | 112.0123% | 116 |
| Assets per employee ($millions) | 4.0482% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,582 |
| Loan loss allowance to noncurrent loans | 9.8710% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 13.2653% | 21 |
| Noncurrent loans to loans | 9.6212% | 32 |
| Net loans and leases to total assets | 75.5733% | 1,587 |
| Net loans and leases to deposits | 83.0025% | 2,547 |
| Net loans and leases to core deposits | 98.7253% | 1,725 |
| Total domestic deposits to total assets | 91.0494% | 263 |
| Equity capital to assets | 8.7653% | 5,051 |
| Core capital (leverage) ratio | 8.2777% | 5,451 |
| Tier 1 risk-based capital ratio | 12.0789% | 4,671 |
| Total risk-based capital ratio | 13.1840% | 4,657 |
| Memoranda: | ||
| Average total assets | $23,920,600 | 5,788 |
| Average earning assets | $18,712,200 | 5,823 |
| Average equity | $2,199,200 | 5,826 |
| Average total loans | $18,850,400 | 5,549 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8238% | 154 |
| Cost of funding earning assets | 0.8167% | 457 |
| Net interest margin | 5.0070% | 248 |
| Noninterest income to average assets | 0.1734% | 5,406 |
| Noninterest expense to average assets | 4.3980% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2798% | 5,819 |
| Return on assets (ROA) | -0.2798% | 5,826 |
| Pretax return on assets | -0.2798% | 5,811 |
| Return on Equity (ROE) | -3.0076% | 5,835 |
| Retained earnings to average equity (ytd only) | -3.0076% | 5,651 |
| Net charge-offs to loans | 0.0845% | 2,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -4.1669% | 3,891 |
| Efficiency ratio | 106.7935% | 148 |
| Assets per employee ($millions) | 4.0707% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,501 |
| Loan loss allowance to noncurrent loans | 12.2379% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 14.6536% | 18 |
| Noncurrent loans to loans | 10.9288% | 27 |
| Net loans and leases to total assets | 75.8107% | 1,553 |
| Net loans and leases to deposits | 83.7676% | 2,509 |
| Net loans and leases to core deposits | 99.5859% | 1,674 |
| Total domestic deposits to total assets | 90.5011% | 320 |
| Equity capital to assets | 8.9011% | 5,242 |
| Core capital (leverage) ratio | 8.6770% | 5,177 |
| Tier 1 risk-based capital ratio | 12.2314% | 4,654 |
| Total risk-based capital ratio | 13.4938% | 4,547 |
| Memoranda: | ||
| Average total assets | $23,828,500 | 5,850 |
| Average earning assets | $18,773,250 | 5,884 |
| Average equity | $2,216,750 | 5,887 |
| Average total loans | $18,930,000 | 5,603 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8745% | 144 |
| Cost of funding earning assets | 0.7967% | 502 |
| Net interest margin | 5.0778% | 227 |
| Noninterest income to average assets | 0.2031% | 5,278 |
| Noninterest expense to average assets | 4.4181% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1693% | 5,846 |
| Return on assets (ROA) | -0.1693% | 5,857 |
| Pretax return on assets | -0.1693% | 5,849 |
| Return on Equity (ROE) | -1.7929% | 5,864 |
| Retained earnings to average equity (ytd only) | -1.7929% | 5,514 |
| Net charge-offs to loans | 0.0421% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 3,626 |
| Efficiency ratio | 103.9841% | 191 |
| Assets per employee ($millions) | 3.9025% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,441 |
| Loan loss allowance to noncurrent loans | 12.1028% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 14.8153% | 22 |
| Noncurrent loans to loans | 11.3102% | 26 |
| Net loans and leases to total assets | 79.7010% | 953 |
| Net loans and leases to deposits | 88.4455% | 1,923 |
| Net loans and leases to core deposits | 106.0944% | 1,173 |
| Total domestic deposits to total assets | 90.1132% | 443 |
| Equity capital to assets | 9.4427% | 4,826 |
| Core capital (leverage) ratio | 9.2866% | 4,475 |
| Tier 1 risk-based capital ratio | 12.4851% | 4,538 |
| Total risk-based capital ratio | 13.7620% | 4,423 |
| Memoranda: | ||
| Average total assets | $23,630,000 | 5,926 |
| Average earning assets | $18,827,000 | 5,957 |
| Average equity | $2,231,000 | 5,961 |
| Average total loans | $18,984,330 | 5,668 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9152% | 135 |
| Cost of funding earning assets | 0.7761% | 561 |
| Net interest margin | 5.1391% | 191 |
| Noninterest income to average assets | 0.2017% | 5,295 |
| Noninterest expense to average assets | 3.9665% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3529% | 5,137 |
| Return on assets (ROA) | 0.3529% | 5,223 |
| Pretax return on assets | 0.3529% | 5,395 |
| Return on Equity (ROE) | 3.5066% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.5066% | 3,742 |
| Net charge-offs to loans | 0.4372% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,870 |
| Efficiency ratio | 91.8288% | 563 |
| Assets per employee ($millions) | 3.9845% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 3,236 |
| Loan loss allowance to noncurrent loans | 10.3799% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 15.2926% | 21 |
| Noncurrent loans to loans | 11.9858% | 27 |
| Net loans and leases to total assets | 78.0274% | 1,095 |
| Net loans and leases to deposits | 87.1275% | 1,926 |
| Net loans and leases to core deposits | 104.1599% | 1,182 |
| Total domestic deposits to total assets | 89.5554% | 809 |
| Equity capital to assets | 10.0640% | 3,997 |
| Core capital (leverage) ratio | 9.7739% | 3,809 |
| Tier 1 risk-based capital ratio | 13.4085% | 4,040 |
| Total risk-based capital ratio | 14.6866% | 3,944 |
| Memoranda: | ||
| Average total assets | $23,799,500 | 5,985 |
| Average earning assets | $19,069,500 | 6,015 |
| Average equity | $2,395,500 | 6,005 |
| Average total loans | $19,212,000 | 5,708 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7722% | 180 |
| Cost of funding earning assets | 0.7531% | 630 |
| Net interest margin | 5.0191% | 242 |
| Noninterest income to average assets | 0.1682% | 5,575 |
| Noninterest expense to average assets | 4.1533% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1051% | 5,749 |
| Return on assets (ROA) | 0.1051% | 5,791 |
| Pretax return on assets | 0.1051% | 5,793 |
| Return on Equity (ROE) | 1.0654% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.0654% | 5,089 |
| Net charge-offs to loans | 0.2760% | 1,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.4630% | 4,226 |
| Efficiency ratio | 97.5321% | 352 |
| Assets per employee ($millions) | 3.9473% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,835 |
| Loan loss allowance to noncurrent loans | 10.2277% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 14.4739% | 29 |
| Noncurrent loans to loans | 12.8129% | 25 |
| Net loans and leases to total assets | 81.4009% | 653 |
| Net loans and leases to deposits | 90.7204% | 1,534 |
| Net loans and leases to core deposits | 103.9523% | 1,223 |
| Total domestic deposits to total assets | 89.7272% | 740 |
| Equity capital to assets | 10.0363% | 3,918 |
| Core capital (leverage) ratio | 9.6177% | 4,029 |
| Tier 1 risk-based capital ratio | 13.3776% | 4,066 |
| Total risk-based capital ratio | 14.6631% | 3,991 |
| Memoranda: | ||
| Average total assets | $23,788,200 | 6,044 |
| Average earning assets | $19,386,000 | 6,065 |
| Average equity | $2,346,600 | 6,068 |
| Average total loans | $19,563,600 | 5,738 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 175 |
| Cost of funding earning assets | 0.7496% | 650 |
| Net interest margin | 5.0273% | 238 |
| Noninterest income to average assets | 0.1512% | 5,733 |
| Noninterest expense to average assets | 4.4622% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2184% | 6,052 |
| Return on assets (ROA) | -0.2184% | 6,070 |
| Pretax return on assets | -0.2184% | 6,058 |
| Return on Equity (ROE) | -2.2232% | 6,076 |
| Retained earnings to average equity (ytd only) | -2.2232% | 5,879 |
| Net charge-offs to loans | 0.3338% | 786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.7960% | 4,045 |
| Efficiency ratio | 105.1451% | 200 |
| Assets per employee ($millions) | 3.9838% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 2,887 |
| Loan loss allowance to noncurrent loans | 9.8714% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 15.1487% | 25 |
| Noncurrent loans to loans | 13.6197% | 22 |
| Net loans and leases to total assets | 80.1238% | 811 |
| Net loans and leases to deposits | 89.3492% | 1,731 |
| Net loans and leases to core deposits | 102.2094% | 1,368 |
| Total domestic deposits to total assets | 89.6749% | 701 |
| Equity capital to assets | 9.6766% | 4,541 |
| Core capital (leverage) ratio | 9.3642% | 4,493 |
| Tier 1 risk-based capital ratio | 12.8997% | 4,483 |
| Total risk-based capital ratio | 14.1809% | 4,389 |
| Memoranda: | ||
| Average total assets | $23,814,250 | 6,129 |
| Average earning assets | $19,387,000 | 6,150 |
| Average equity | $2,339,000 | 6,152 |
| Average total loans | $19,570,750 | 5,810 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8462% | 157 |
| Cost of funding earning assets | 0.7411% | 684 |
| Net interest margin | 5.1052% | 209 |
| Noninterest income to average assets | 0.1430% | 5,850 |
| Noninterest expense to average assets | 4.4739% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1598% | 6,080 |
| Return on assets (ROA) | -0.1598% | 6,108 |
| Pretax return on assets | -0.1598% | 6,087 |
| Return on Equity (ROE) | -1.6198% | 6,115 |
| Retained earnings to average equity (ytd only) | -1.6198% | 5,790 |
| Net charge-offs to loans | 0.4892% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.3958% | 3,741 |
| Efficiency ratio | 103.7037% | 254 |
| Assets per employee ($millions) | 3.9925% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 3,109 |
| Loan loss allowance to noncurrent loans | 8.5148% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 14.3143% | 33 |
| Noncurrent loans to loans | 15.5640% | 20 |
| Net loans and leases to total assets | 81.4360% | 615 |
| Net loans and leases to deposits | 90.6716% | 1,514 |
| Net loans and leases to core deposits | 103.6612% | 1,211 |
| Total domestic deposits to total assets | 89.8142% | 744 |
| Equity capital to assets | 9.7391% | 4,357 |
| Core capital (leverage) ratio | 9.3433% | 4,497 |
| Tier 1 risk-based capital ratio | 12.7162% | 4,673 |
| Total risk-based capital ratio | 13.9964% | 4,573 |
| Memoranda: | ||
| Average total assets | $23,782,330 | 6,202 |
| Average earning assets | $19,431,330 | 6,224 |
| Average equity | $2,346,000 | 6,221 |
| Average total loans | $19,623,330 | 5,865 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 138 |
| Cost of funding earning assets | 0.7445% | 680 |
| Net interest margin | 5.1908% | 179 |
| Noninterest income to average assets | 0.1350% | 5,929 |
| Noninterest expense to average assets | 4.2708% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1013% | 5,873 |
| Return on assets (ROA) | 0.1013% | 5,929 |
| Pretax return on assets | 0.1013% | 5,943 |
| Return on Equity (ROE) | 1.0202% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.0202% | 5,062 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6834% | 444 |
| Assets per employee ($millions) | 4.0047% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 2,104 |
| Loan loss allowance to noncurrent loans | 10.3679% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 13.9088% | 35 |
| Noncurrent loans to loans | 15.2847% | 23 |
| Net loans and leases to total assets | 80.1232% | 674 |
| Net loans and leases to deposits | 89.2784% | 1,463 |
| Net loans and leases to core deposits | 103.4109% | 1,100 |
| Total domestic deposits to total assets | 89.7453% | 878 |
| Equity capital to assets | 9.8136% | 4,374 |
| Core capital (leverage) ratio | 9.9800% | 3,628 |
| Tier 1 risk-based capital ratio | 13.8091% | 4,143 |
| Total risk-based capital ratio | 15.0918% | 4,045 |
| Memoranda: | ||
| Average total assets | $23,696,000 | 6,272 |
| Average earning assets | $19,342,000 | 6,290 |
| Average equity | $2,352,500 | 6,284 |
| Average total loans | $19,550,000 | 5,915 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8001% | 194 |
| Cost of funding earning assets | 0.8033% | 639 |
| Net interest margin | 4.9969% | 303 |
| Noninterest income to average assets | 0.0209% | 6,356 |
| Noninterest expense to average assets | 4.1452% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1171% | 6,166 |
| Return on assets (ROA) | -0.1171% | 6,169 |
| Pretax return on assets | -0.1171% | 6,145 |
| Return on Equity (ROE) | -1.1855% | 6,177 |
| Retained earnings to average equity (ytd only) | -1.1855% | 5,942 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9076% | 307 |
| Assets per employee ($millions) | 4.6728% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 2,140 |
| Loan loss allowance to noncurrent loans | 10.3610% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 14.3126% | 39 |
| Noncurrent loans to loans | 15.3137% | 24 |
| Net loans and leases to total assets | 82.2976% | 492 |
| Net loans and leases to deposits | 91.5619% | 1,335 |
| Net loans and leases to core deposits | 104.0420% | 1,126 |
| Total domestic deposits to total assets | 89.8819% | 783 |
| Equity capital to assets | 10.0454% | 4,052 |
| Core capital (leverage) ratio | 9.6735% | 4,012 |
| Tier 1 risk-based capital ratio | 13.2619% | 4,558 |
| Total risk-based capital ratio | 14.5162% | 4,481 |
| Memoranda: | ||
| Average total assets | $23,907,400 | 6,352 |
| Average earning assets | $19,172,000 | 6,380 |
| Average equity | $2,361,800 | 6,364 |
| Average total loans | $19,378,800 | 5,986 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 160 |
| Cost of funding earning assets | 0.8084% | 661 |
| Net interest margin | 5.1639% | 213 |
| Noninterest income to average assets | 0.0111% | 6,456 |
| Noninterest expense to average assets | 4.2201% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0998% | 6,219 |
| Return on assets (ROA) | -0.0998% | 6,225 |
| Pretax return on assets | -0.0998% | 6,203 |
| Return on Equity (ROE) | -1.0146% | 6,227 |
| Retained earnings to average equity (ytd only) | -1.0146% | 5,967 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4226% | 320 |
| Assets per employee ($millions) | 4.0575% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 2,310 |
| Loan loss allowance to noncurrent loans | 11.9323% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 12.1175% | 62 |
| Noncurrent loans to loans | 13.3945% | 44 |
| Net loans and leases to total assets | 78.3980% | 914 |
| Net loans and leases to deposits | 87.3541% | 1,747 |
| Net loans and leases to core deposits | 97.4322% | 1,557 |
| Total domestic deposits to total assets | 89.7474% | 849 |
| Equity capital to assets | 9.6817% | 4,570 |
| Core capital (leverage) ratio | 9.3236% | 4,610 |
| Tier 1 risk-based capital ratio | 13.5848% | 4,481 |
| Total risk-based capital ratio | 14.8399% | 4,424 |
| Memoranda: | ||
| Average total assets | $24,043,250 | 6,428 |
| Average earning assets | $19,132,500 | 6,455 |
| Average equity | $2,365,500 | 6,438 |
| Average total loans | $19,339,000 | 6,053 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9224% | 165 |
| Cost of funding earning assets | 0.8162% | 654 |
| Net interest margin | 5.1062% | 236 |
| Noninterest income to average assets | -0.0084% | 6,566 |
| Noninterest expense to average assets | 4.2101% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1420% | 6,284 |
| Return on assets (ROA) | -0.1420% | 6,298 |
| Pretax return on assets | -0.1420% | 6,285 |
| Return on Equity (ROE) | -1.4356% | 6,301 |
| Retained earnings to average equity (ytd only) | -1.4356% | 5,918 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4908% | 327 |
| Assets per employee ($millions) | 4.0250% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 2,439 |
| Loan loss allowance to noncurrent loans | 11.2686% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 12.5797% | 55 |
| Noncurrent loans to loans | 14.2384% | 38 |
| Net loans and leases to total assets | 78.7205% | 825 |
| Net loans and leases to deposits | 87.6406% | 1,638 |
| Net loans and leases to core deposits | 97.8335% | 1,457 |
| Total domestic deposits to total assets | 89.8219% | 892 |
| Equity capital to assets | 9.7723% | 4,401 |
| Core capital (leverage) ratio | 9.4033% | 4,466 |
| Tier 1 risk-based capital ratio | 13.3771% | 4,663 |
| Total risk-based capital ratio | 14.6362% | 4,610 |
| Memoranda: | ||
| Average total assets | $23,942,670 | 6,500 |
| Average earning assets | $19,114,000 | 6,521 |
| Average equity | $2,368,330 | 6,496 |
| Average total loans | $19,320,000 | 6,102 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9016% | 166 |
| Cost of funding earning assets | 0.8162% | 687 |
| Net interest margin | 5.0854% | 229 |
| Noninterest income to average assets | 0.0168% | 6,576 |
| Noninterest expense to average assets | 4.2451% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1510% | 6,324 |
| Return on assets (ROA) | -0.1510% | 6,328 |
| Pretax return on assets | -0.1510% | 6,317 |
| Return on Equity (ROE) | -1.5174% | 6,333 |
| Retained earnings to average equity (ytd only) | -1.5174% | 5,803 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6885% | 382 |
| Assets per employee ($millions) | 3.4279% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,700 |
| Loan loss allowance to noncurrent loans | 11.3845% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 12.8568% | 62 |
| Noncurrent loans to loans | 14.0651% | 46 |
| Net loans and leases to total assets | 79.3915% | 616 |
| Net loans and leases to deposits | 88.4442% | 1,312 |
| Net loans and leases to core deposits | 99.3585% | 1,146 |
| Total domestic deposits to total assets | 89.7645% | 1,194 |
| Equity capital to assets | 9.8687% | 3,997 |
| Core capital (leverage) ratio | 9.4977% | 4,276 |
| Tier 1 risk-based capital ratio | 13.3746% | 4,782 |
| Total risk-based capital ratio | 14.6290% | 4,707 |
| Memoranda: | ||
| Average total assets | $23,839,000 | 6,567 |
| Average earning assets | $19,113,500 | 6,588 |
| Average equity | $2,372,500 | 6,558 |
| Average total loans | $19,319,500 | 6,162 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0035% | 167 |
| Cost of funding earning assets | 0.8974% | 748 |
| Net interest margin | 5.1061% | 257 |
| Noninterest income to average assets | -0.0808% | 6,712 |
| Noninterest expense to average assets | 4.0761% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1403% | 5,958 |
| Return on assets (ROA) | 0.1403% | 6,025 |
| Pretax return on assets | -0.0213% | 6,247 |
| Return on Equity (ROE) | 1.4157% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.4157% | 5,188 |
| Net charge-offs to loans | 0.5559% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.0467% | 5,100 |
| Efficiency ratio | 100.5241% | 464 |
| Assets per employee ($millions) | 2.9604% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 2,731 |
| Loan loss allowance to noncurrent loans | 13.4432% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 11.2655% | 97 |
| Noncurrent loans to loans | 11.9612% | 75 |
| Net loans and leases to total assets | 80.0954% | 588 |
| Net loans and leases to deposits | 89.1568% | 1,323 |
| Net loans and leases to core deposits | 102.7462% | 988 |
| Total domestic deposits to total assets | 89.8366% | 1,161 |
| Equity capital to assets | 10.0367% | 3,716 |
| Core capital (leverage) ratio | 9.6614% | 4,038 |
| Tier 1 risk-based capital ratio | 13.7764% | 4,457 |
| Total risk-based capital ratio | 15.0332% | 4,397 |
| Memoranda: | ||
| Average total assets | $23,527,200 | 6,650 |
| Average earning assets | $19,055,600 | 6,672 |
| Average equity | $2,331,000 | 6,649 |
| Average total loans | $19,246,400 | 6,240 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9907% | 181 |
| Cost of funding earning assets | 0.9028% | 801 |
| Net interest margin | 5.0879% | 265 |
| Noninterest income to average assets | -0.1249% | 6,816 |
| Noninterest expense to average assets | 4.1041% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1022% | 6,381 |
| Return on assets (ROA) | -0.1022% | 6,421 |
| Pretax return on assets | -0.1022% | 6,402 |
| Return on Equity (ROE) | -1.0347% | 6,429 |
| Retained earnings to average equity (ytd only) | -1.0347% | 6,140 |
| Net charge-offs to loans | 0.7415% | 808 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.1682% | 4,907 |
| Efficiency ratio | 102.5532% | 388 |
| Assets per employee ($millions) | 3.4480% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 2,909 |
| Loan loss allowance to noncurrent loans | 13.7472% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 11.3233% | 103 |
| Noncurrent loans to loans | 11.7902% | 88 |
| Net loans and leases to total assets | 77.9582% | 748 |
| Net loans and leases to deposits | 86.7417% | 1,520 |
| Net loans and leases to core deposits | 98.4770% | 1,206 |
| Total domestic deposits to total assets | 89.8740% | 1,074 |
| Equity capital to assets | 9.5873% | 4,438 |
| Core capital (leverage) ratio | 9.4026% | 4,526 |
| Tier 1 risk-based capital ratio | 13.6701% | 4,652 |
| Total risk-based capital ratio | 14.9255% | 4,600 |
| Memoranda: | ||
| Average total assets | $23,488,250 | 6,724 |
| Average earning assets | $19,051,250 | 6,745 |
| Average equity | $2,319,500 | 6,726 |
| Average total loans | $19,238,250 | 6,305 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0317% | 173 |
| Cost of funding earning assets | 0.9006% | 897 |
| Net interest margin | 5.1312% | 239 |
| Noninterest income to average assets | -0.2063% | 6,869 |
| Noninterest expense to average assets | 3.9790% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0258% | 6,272 |
| Return on assets (ROA) | 0.0258% | 6,343 |
| Pretax return on assets | 0.0258% | 6,325 |
| Return on Equity (ROE) | 0.2585% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.2585% | 5,780 |
| Net charge-offs to loans | 1.1102% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0280% | 4,541 |
| Efficiency ratio | 99.3562% | 509 |
| Assets per employee ($millions) | 3.3810% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 3,070 |
| Loan loss allowance to noncurrent loans | 14.0590% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 11.3365% | 117 |
| Noncurrent loans to loans | 11.5627% | 98 |
| Net loans and leases to total assets | 79.2665% | 609 |
| Net loans and leases to deposits | 88.1828% | 1,318 |
| Net loans and leases to core deposits | 104.2918% | 831 |
| Total domestic deposits to total assets | 89.8889% | 1,089 |
| Equity capital to assets | 9.8449% | 4,131 |
| Core capital (leverage) ratio | 9.6825% | 3,962 |
| Tier 1 risk-based capital ratio | 13.8892% | 4,502 |
| Total risk-based capital ratio | 15.1464% | 4,464 |
| Memoranda: | ||
| Average total assets | $23,272,330 | 6,780 |
| Average earning assets | $19,099,000 | 6,794 |
| Average equity | $2,321,330 | 6,777 |
| Average total loans | $19,275,670 | 6,342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 200 |
| Cost of funding earning assets | 0.8738% | 1,124 |
| Net interest margin | 5.0140% | 291 |
| Noninterest income to average assets | -0.4160% | 6,980 |
| Noninterest expense to average assets | 4.0910% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3294% | 6,594 |
| Return on assets (ROA) | -0.3294% | 6,623 |
| Pretax return on assets | -0.3294% | 6,605 |
| Return on Equity (ROE) | -3.2801% | 6,621 |
| Retained earnings to average equity (ytd only) | -3.2801% | 6,210 |
| Net charge-offs to loans | 2.2293% | 199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.1759% | 3,868 |
| Efficiency ratio | 108.7558% | 348 |
| Assets per employee ($millions) | 2.9440% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,429 |
| Loan loss allowance to noncurrent loans | 14.1289% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 11.1668% | 150 |
| Noncurrent loans to loans | 11.2680% | 161 |
| Net loans and leases to total assets | 81.0971% | 342 |
| Net loans and leases to deposits | 90.1454% | 955 |
| Net loans and leases to core deposits | 100.2309% | 933 |
| Total domestic deposits to total assets | 89.9626% | 1,075 |
| Equity capital to assets | 9.7953% | 4,428 |
| Core capital (leverage) ratio | 9.6320% | 3,871 |
| Tier 1 risk-based capital ratio | 13.7013% | 4,720 |
| Total risk-based capital ratio | 14.3065% | 5,133 |
| Memoranda: | ||
| Average total assets | $23,075,000 | 6,856 |
| Average earning assets | $19,226,000 | 6,866 |
| Average equity | $2,317,000 | 6,845 |
| Average total loans | $19,378,500 | 6,393 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2083% | 194 |
| Cost of funding earning assets | 1.0674% | 1,036 |
| Net interest margin | 5.1409% | 302 |
| Noninterest income to average assets | 0.0214% | 6,776 |
| Noninterest expense to average assets | 4.3995% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1154% | 6,294 |
| Return on assets (ROA) | -0.1154% | 6,393 |
| Pretax return on assets | -0.1154% | 6,371 |
| Return on Equity (ROE) | -1.1273% | 6,397 |
| Retained earnings to average equity (ytd only) | -1.1273% | 6,034 |
| Net charge-offs to loans | 0.1429% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,757 |
| Efficiency ratio | 102.6946% | 475 |
| Assets per employee ($millions) | 3.2283% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1604% | 1,627 |
| Loan loss allowance to noncurrent loans | 19.1480% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 12.4170% | 126 |
| Noncurrent loans to loans | 11.2828% | 176 |
| Net loans and leases to total assets | 83.7685% | 224 |
| Net loans and leases to deposits | 93.4353% | 790 |
| Net loans and leases to core deposits | 112.2243% | 462 |
| Total domestic deposits to total assets | 89.6540% | 1,150 |
| Equity capital to assets | 10.2974% | 3,764 |
| Core capital (leverage) ratio | 10.1282% | 3,238 |
| Tier 1 risk-based capital ratio | 13.7973% | 4,535 |
| Total risk-based capital ratio | 15.1202% | 4,437 |
| Memoranda: | ||
| Average total assets | $23,389,000 | 6,901 |
| Average earning assets | $19,393,400 | 6,918 |
| Average equity | $2,395,200 | 6,904 |
| Average total loans | $18,889,800 | 6,471 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2666% | 190 |
| Cost of funding earning assets | 1.1051% | 1,046 |
| Net interest margin | 5.1615% | 308 |
| Noninterest income to average assets | 0.0170% | 6,897 |
| Noninterest expense to average assets | 4.2057% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0622% | 6,192 |
| Return on assets (ROA) | 0.0622% | 6,330 |
| Pretax return on assets | 0.0622% | 6,320 |
| Return on Equity (ROE) | 0.6081% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.6081% | 5,913 |
| Net charge-offs to loans | 0.1917% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4075% | 5,125 |
| Efficiency ratio | 98.5430% | 584 |
| Assets per employee ($millions) | 4.0190% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1625% | 1,779 |
| Loan loss allowance to noncurrent loans | 22.8368% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 10.1767% | 236 |
| Noncurrent loans to loans | 9.4695% | 278 |
| Net loans and leases to total assets | 78.2367% | 704 |
| Net loans and leases to deposits | 87.0765% | 1,471 |
| Net loans and leases to core deposits | 103.5228% | 892 |
| Total domestic deposits to total assets | 89.8482% | 928 |
| Equity capital to assets | 9.8076% | 4,769 |
| Core capital (leverage) ratio | 9.6481% | 4,049 |
| Tier 1 risk-based capital ratio | 14.0565% | 4,485 |
| Total risk-based capital ratio | 14.0565% | 5,365 |
| Memoranda: | ||
| Average total assets | $23,586,750 | 6,991 |
| Average earning assets | $19,425,250 | 7,009 |
| Average equity | $2,412,250 | 6,991 |
| Average total loans | $18,775,250 | 6,563 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3529% | 176 |
| Cost of funding earning assets | 1.1522% | 1,016 |
| Net interest margin | 5.2007% | 287 |
| Noninterest income to average assets | 0.0171% | 6,955 |
| Noninterest expense to average assets | 4.1604% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1367% | 6,074 |
| Return on assets (ROA) | 0.1367% | 6,240 |
| Pretax return on assets | 0.1367% | 6,247 |
| Return on Equity (ROE) | 1.3180% | 6,231 |
| Retained earnings to average equity (ytd only) | 1.3180% | 5,531 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8191% | 669 |
| Assets per employee ($millions) | 3.9417% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 1,500 |
| Loan loss allowance to noncurrent loans | 23.2218% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 10.1860% | 249 |
| Noncurrent loans to loans | 10.1282% | 262 |
| Net loans and leases to total assets | 77.9450% | 730 |
| Net loans and leases to deposits | 86.7156% | 1,517 |
| Net loans and leases to core deposits | 104.2765% | 839 |
| Total domestic deposits to total assets | 89.8858% | 991 |
| Equity capital to assets | 10.0211% | 4,302 |
| Core capital (leverage) ratio | 9.8420% | 3,655 |
| Tier 1 risk-based capital ratio | 14.0779% | 4,382 |
| Total risk-based capital ratio | 15.3445% | 4,338 |
| Memoranda: | ||
| Average total assets | $23,411,000 | 7,054 |
| Average earning assets | $19,266,670 | 7,068 |
| Average equity | $2,428,000 | 7,029 |
| Average total loans | $18,606,000 | 6,618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3656% | 188 |
| Cost of funding earning assets | 1.1896% | 1,035 |
| Net interest margin | 5.1760% | 306 |
| Noninterest income to average assets | 0.0172% | 7,054 |
| Noninterest expense to average assets | 4.3106% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0343% | 6,461 |
| Return on assets (ROA) | -0.0343% | 6,558 |
| Pretax return on assets | -0.0343% | 6,558 |
| Return on Equity (ROE) | -0.3256% | 6,563 |
| Retained earnings to average equity (ytd only) | -0.3256% | 6,050 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8032% | 528 |
| Assets per employee ($millions) | 3.8975% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4117% | 1,484 |
| Loan loss allowance to noncurrent loans | 26.2877% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 9.3222% | 355 |
| Noncurrent loans to loans | 9.1744% | 362 |
| Net loans and leases to total assets | 76.8270% | 715 |
| Net loans and leases to deposits | 85.6258% | 1,464 |
| Net loans and leases to core deposits | 103.0220% | 809 |
| Total domestic deposits to total assets | 89.7242% | 1,231 |
| Equity capital to assets | 10.0577% | 4,055 |
| Core capital (leverage) ratio | 9.8937% | 3,510 |
| Tier 1 risk-based capital ratio | 14.2040% | 4,314 |
| Total risk-based capital ratio | 15.4712% | 4,272 |
| Memoranda: | ||
| Average total assets | $23,291,500 | 7,116 |
| Average earning assets | $19,165,500 | 7,130 |
| Average equity | $2,457,000 | 7,075 |
| Average total loans | $18,470,000 | 6,689 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3629% | 229 |
| Cost of funding earning assets | 1.4056% | 1,012 |
| Net interest margin | 4.9573% | 449 |
| Noninterest income to average assets | -0.1550% | 7,137 |
| Noninterest expense to average assets | 4.1066% | 902 |
| Loan and lease loss provision to assets | 0.0775% | 5,642 |
| Net operating income to assets | -0.3013% | 6,345 |
| Return on assets (ROA) | -0.3013% | 6,396 |
| Pretax return on assets | -0.3616% | 6,391 |
| Return on Equity (ROE) | -2.6247% | 6,378 |
| Retained earnings to average equity (ytd only) | -2.6247% | 6,231 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4324% | 490 |
| Assets per employee ($millions) | 3.8663% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 5,076 |
| Loan loss allowance to noncurrent loans | 12.6480% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 10.1431% | 324 |
| Noncurrent loans to loans | 10.0270% | 316 |
| Net loans and leases to total assets | 78.8646% | 623 |
| Net loans and leases to deposits | 88.9878% | 1,269 |
| Net loans and leases to core deposits | 108.0498% | 698 |
| Total domestic deposits to total assets | 88.6240% | 1,770 |
| Equity capital to assets | 11.0441% | 2,940 |
| Core capital (leverage) ratio | 11.0589% | 2,222 |
| Tier 1 risk-based capital ratio | 15.4495% | 3,363 |
| Total risk-based capital ratio | 16.7018% | 3,315 |
| Memoranda: | ||
| Average total assets | $23,231,000 | 7,141 |
| Average earning assets | $18,639,200 | 7,173 |
| Average equity | $2,667,000 | 7,080 |
| Average total loans | $17,926,400 | 6,756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4764% | 200 |
| Cost of funding earning assets | 1.4296% | 1,113 |
| Net interest margin | 5.0469% | 378 |
| Noninterest income to average assets | -0.0688% | 7,189 |
| Noninterest expense to average assets | 4.2456% | 757 |
| Loan and lease loss provision to assets | 0.0115% | 6,289 |
| Net operating income to assets | -0.2410% | 6,433 |
| Return on assets (ROA) | -0.2410% | 6,504 |
| Pretax return on assets | -0.3155% | 6,505 |
| Return on Equity (ROE) | -2.0793% | 6,486 |
| Retained earnings to average equity (ytd only) | -2.0793% | 6,307 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7147% | 469 |
| Assets per employee ($millions) | 2.9906% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,414 |
| Loan loss allowance to noncurrent loans | 14.5861% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 8.4305% | 499 |
| Noncurrent loans to loans | 8.3174% | 516 |
| Net loans and leases to total assets | 75.5569% | 1,051 |
| Net loans and leases to deposits | 85.7665% | 1,713 |
| Net loans and leases to core deposits | 105.7629% | 882 |
| Total domestic deposits to total assets | 88.0961% | 1,989 |
| Equity capital to assets | 11.1515% | 3,002 |
| Core capital (leverage) ratio | 11.1627% | 2,272 |
| Tier 1 risk-based capital ratio | 16.2450% | 2,994 |
| Total risk-based capital ratio | 17.4918% | 2,959 |
| Memoranda: | ||
| Average total assets | $23,239,250 | 7,215 |
| Average earning assets | $18,466,500 | 7,247 |
| Average equity | $2,693,250 | 7,142 |
| Average total loans | $17,775,500 | 6,834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5529% | 189 |
| Cost of funding earning assets | 1.4465% | 1,204 |
| Net interest margin | 5.1065% | 329 |
| Noninterest income to average assets | -0.0695% | 7,270 |
| Noninterest expense to average assets | 4.1981% | 833 |
| Loan and lease loss provision to assets | 0.0174% | 6,066 |
| Net operating income to assets | -0.1651% | 6,436 |
| Return on assets (ROA) | -0.1651% | 6,475 |
| Pretax return on assets | -0.2347% | 6,485 |
| Return on Equity (ROE) | -1.4065% | 6,456 |
| Retained earnings to average equity (ytd only) | -1.4065% | 6,136 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4585% | 573 |
| Assets per employee ($millions) | 2.9495% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 5,288 |
| Loan loss allowance to noncurrent loans | 17.6190% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 7.4292% | 656 |
| Noncurrent loans to loans | 7.1154% | 714 |
| Net loans and leases to total assets | 74.1058% | 1,397 |
| Net loans and leases to deposits | 84.1401% | 2,086 |
| Net loans and leases to core deposits | 105.0589% | 978 |
| Total domestic deposits to total assets | 88.0742% | 2,098 |
| Equity capital to assets | 11.4130% | 2,587 |
| Core capital (leverage) ratio | 11.4242% | 1,958 |
| Tier 1 risk-based capital ratio | 16.8395% | 2,591 |
| Total risk-based capital ratio | 17.5328% | 2,812 |
| Memoranda: | ||
| Average total assets | $23,010,670 | 7,287 |
| Average earning assets | $18,251,330 | 7,323 |
| Average equity | $2,701,670 | 7,203 |
| Average total loans | $17,601,000 | 6,910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5796% | 184 |
| Cost of funding earning assets | 1.4572% | 1,347 |
| Net interest margin | 5.1224% | 291 |
| Noninterest income to average assets | -0.1409% | 7,401 |
| Noninterest expense to average assets | 4.3138% | 714 |
| Loan and lease loss provision to assets | 0.0352% | 5,537 |
| Net operating income to assets | -0.2993% | 6,662 |
| Return on assets (ROA) | -0.2993% | 6,674 |
| Pretax return on assets | -0.4050% | 6,691 |
| Return on Equity (ROE) | -2.5129% | 6,633 |
| Retained earnings to average equity (ytd only) | -2.5129% | 6,223 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3750% | 518 |
| Assets per employee ($millions) | 2.8711% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,215 |
| Loan loss allowance to noncurrent loans | 14.8099% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 8.6726% | 520 |
| Noncurrent loans to loans | 8.6632% | 533 |
| Net loans and leases to total assets | 74.3654% | 1,289 |
| Net loans and leases to deposits | 84.7146% | 1,927 |
| Net loans and leases to core deposits | 107.0775% | 892 |
| Total domestic deposits to total assets | 87.7835% | 2,498 |
| Equity capital to assets | 11.7463% | 2,078 |
| Core capital (leverage) ratio | 11.7578% | 1,700 |
| Tier 1 risk-based capital ratio | 17.0874% | 2,443 |
| Total risk-based capital ratio | 18.2704% | 2,441 |
| Memoranda: | ||
| Average total assets | $22,718,000 | 7,345 |
| Average earning assets | $18,116,500 | 7,381 |
| Average equity | $2,706,000 | 7,242 |
| Average total loans | $17,547,500 | 6,965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6949% | 234 |
| Cost of funding earning assets | 1.7133% | 1,537 |
| Net interest margin | 4.9816% | 451 |
| Noninterest income to average assets | -0.1651% | 7,449 |
| Noninterest expense to average assets | 4.3065% | 805 |
| Loan and lease loss provision to assets | 0.3124% | 4,306 |
| Net operating income to assets | -0.5355% | 6,411 |
| Return on assets (ROA) | -0.5355% | 6,441 |
| Pretax return on assets | -0.8524% | 6,544 |
| Return on Equity (ROE) | -4.2906% | 6,379 |
| Retained earnings to average equity (ytd only) | -4.2906% | 6,229 |
| Net charge-offs to loans | 0.2926% | 4,554 |
| Credit loss provision to net charge-offs | 140.0000% | 2,700 |
| Earnings coverage of net charge-offs (x) | -2.4200% | 6,725 |
| Efficiency ratio | 114.2180% | 472 |
| Assets per employee ($millions) | 2.8084% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,340 |
| Loan loss allowance to noncurrent loans | 13.1500% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 8.5147% | 553 |
| Noncurrent loans to loans | 9.4031% | 469 |
| Net loans and leases to total assets | 78.2125% | 911 |
| Net loans and leases to deposits | 89.3068% | 1,609 |
| Net loans and leases to core deposits | 108.0025% | 1,047 |
| Total domestic deposits to total assets | 87.5773% | 2,501 |
| Equity capital to assets | 12.0799% | 1,864 |
| Core capital (leverage) ratio | 12.0917% | 1,486 |
| Tier 1 risk-based capital ratio | 17.0784% | 2,322 |
| Total risk-based capital ratio | 18.2978% | 2,295 |
| Memoranda: | ||
| Average total assets | $22,408,000 | 7,410 |
| Average earning assets | $17,685,200 | 7,457 |
| Average equity | $2,796,800 | 7,324 |
| Average total loans | $17,088,400 | 7,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6685% | 255 |
| Cost of funding earning assets | 1.7813% | 1,498 |
| Net interest margin | 4.8872% | 566 |
| Noninterest income to average assets | -0.0238% | 7,476 |
| Noninterest expense to average assets | 4.1321% | 899 |
| Loan and lease loss provision to assets | 0.0357% | 6,726 |
| Net operating income to assets | -0.2739% | 6,402 |
| Return on assets (ROA) | -0.2739% | 6,454 |
| Pretax return on assets | -0.3691% | 6,465 |
| Return on Equity (ROE) | -2.1768% | 6,420 |
| Retained earnings to average equity (ytd only) | -2.1768% | 6,231 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6207% | 552 |
| Assets per employee ($millions) | 2.8675% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,525 |
| Loan loss allowance to noncurrent loans | 11.3799% | 7,159 |
| Noncurrent assets plus other real estate owned to assets | 9.0933% | 491 |
| Noncurrent loans to loans | 10.4902% | 384 |
| Net loans and leases to total assets | 74.6861% | 1,640 |
| Net loans and leases to deposits | 85.5495% | 2,432 |
| Net loans and leases to core deposits | 90.7036% | 2,997 |
| Total domestic deposits to total assets | 87.3017% | 2,372 |
| Equity capital to assets | 12.1534% | 2,057 |
| Core capital (leverage) ratio | 12.1688% | 1,579 |
| Tier 1 risk-based capital ratio | 17.8665% | 2,055 |
| Total risk-based capital ratio | 19.1016% | 2,026 |
| Memoranda: | ||
| Average total assets | $22,393,250 | 7,507 |
| Average earning assets | $17,514,750 | 7,560 |
| Average equity | $2,817,500 | 7,415 |
| Average total loans | $16,912,500 | 7,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6871% | 249 |
| Cost of funding earning assets | 1.8415% | 1,477 |
| Net interest margin | 4.8456% | 605 |
| Noninterest income to average assets | -0.0630% | 7,602 |
| Noninterest expense to average assets | 4.0430% | 996 |
| Loan and lease loss provision to assets | 0.0270% | 6,675 |
| Net operating income to assets | -0.2701% | 6,440 |
| Return on assets (ROA) | -0.2701% | 6,483 |
| Pretax return on assets | -0.3422% | 6,465 |
| Return on Equity (ROE) | -2.1221% | 6,430 |
| Retained earnings to average equity (ytd only) | -2.1221% | 6,164 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2126% | 582 |
| Assets per employee ($millions) | 2.8481% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,319 |
| Loan loss allowance to noncurrent loans | 13.8965% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 7.5357% | 675 |
| Noncurrent loans to loans | 8.8253% | 546 |
| Net loans and leases to total assets | 72.1088% | 2,367 |
| Net loans and leases to deposits | 82.4551% | 3,191 |
| Net loans and leases to core deposits | 86.3011% | 3,784 |
| Total domestic deposits to total assets | 87.4523% | 2,289 |
| Equity capital to assets | 12.3371% | 1,902 |
| Core capital (leverage) ratio | 12.3299% | 1,484 |
| Tier 1 risk-based capital ratio | 18.4596% | 1,844 |
| Total risk-based capital ratio | 19.6951% | 1,819 |
| Memoranda: | ||
| Average total assets | $22,211,000 | 7,576 |
| Average earning assets | $17,376,670 | 7,629 |
| Average equity | $2,827,330 | 7,467 |
| Average total loans | $16,770,000 | 7,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8564% | 212 |
| Cost of funding earning assets | 1.9033% | 1,437 |
| Net interest margin | 4.9531% | 457 |
| Noninterest income to average assets | -0.1277% | 7,767 |
| Noninterest expense to average assets | 4.1781% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2189% | 6,566 |
| Return on assets (ROA) | -0.2189% | 6,633 |
| Pretax return on assets | -0.3649% | 6,695 |
| Return on Equity (ROE) | -1.6928% | 6,601 |
| Retained earnings to average equity (ytd only) | -1.6928% | 6,154 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0909% | 622 |
| Assets per employee ($millions) | 2.8110% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,558 |
| Loan loss allowance to noncurrent loans | 17.2532% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 6.2433% | 936 |
| Noncurrent loans to loans | 6.8874% | 875 |
| Net loans and leases to total assets | 74.3241% | 1,906 |
| Net loans and leases to deposits | 85.4630% | 2,689 |
| Net loans and leases to core deposits | 85.4630% | 3,975 |
| Total domestic deposits to total assets | 86.9664% | 2,641 |
| Equity capital to assets | 12.5800% | 1,706 |
| Core capital (leverage) ratio | 12.5728% | 1,380 |
| Tier 1 risk-based capital ratio | 18.7529% | 1,785 |
| Total risk-based capital ratio | 20.0000% | 1,749 |
| Memoranda: | ||
| Average total assets | $21,924,000 | 7,679 |
| Average earning assets | $17,443,500 | 7,720 |
| Average equity | $2,835,500 | 7,543 |
| Average total loans | $16,838,000 | 7,323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8762% | 335 |
| Cost of funding earning assets | 2.4487% | 1,162 |
| Net interest margin | 4.4274% | 1,353 |
| Noninterest income to average assets | 0.0094% | 7,665 |
| Noninterest expense to average assets | 4.1052% | 1,224 |
| Loan and lease loss provision to assets | 0.0094% | 7,383 |
| Net operating income to assets | -0.1498% | 5,766 |
| Return on assets (ROA) | -0.1498% | 5,765 |
| Pretax return on assets | -0.5336% | 6,037 |
| Return on Equity (ROE) | -1.1357% | 5,711 |
| Retained earnings to average equity (ytd only) | -1.1357% | 5,294 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5098% | 698 |
| Assets per employee ($millions) | 2.6700% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,558 |
| Loan loss allowance to noncurrent loans | 22.4224% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 6.0908% | 920 |
| Noncurrent loans to loans | 5.9603% | 1,053 |
| Net loans and leases to total assets | 77.4204% | 1,501 |
| Net loans and leases to deposits | 89.4908% | 2,303 |
| Net loans and leases to core deposits | 119.9202% | 1,954 |
| Total domestic deposits to total assets | 86.5122% | 2,757 |
| Equity capital to assets | 13.3052% | 1,394 |
| Core capital (leverage) ratio | 13.2984% | 1,155 |
| Tier 1 risk-based capital ratio | 19.1014% | 1,634 |
| Total risk-based capital ratio | 20.3524% | 1,598 |
| Memoranda: | ||
| Average total assets | $21,363,400 | 7,739 |
| Average earning assets | $17,233,400 | 7,782 |
| Average equity | $2,817,600 | 7,641 |
| Average total loans | $16,629,400 | 7,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9138% | 345 |
| Cost of funding earning assets | 2.5268% | 1,216 |
| Net interest margin | 4.3871% | 1,473 |
| Noninterest income to average assets | 0.0374% | 7,702 |
| Noninterest expense to average assets | 4.0565% | 1,203 |
| Loan and lease loss provision to assets | 0.0125% | 7,208 |
| Net operating income to assets | -0.3495% | 6,264 |
| Return on assets (ROA) | -0.3495% | 6,272 |
| Pretax return on assets | -0.4992% | 6,296 |
| Return on Equity (ROE) | -2.6555% | 6,187 |
| Retained earnings to average equity (ytd only) | -2.6555% | 5,854 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4615% | 707 |
| Assets per employee ($millions) | 3.1130% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,385 |
| Loan loss allowance to noncurrent loans | 27.6543% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 4.8093% | 1,228 |
| Noncurrent loans to loans | 4.7684% | 1,430 |
| Net loans and leases to total assets | 76.9263% | 1,798 |
| Net loans and leases to deposits | 88.9520% | 2,788 |
| Net loans and leases to core deposits | 124.6783% | 1,843 |
| Total domestic deposits to total assets | 86.4807% | 2,436 |
| Equity capital to assets | 12.7989% | 1,786 |
| Core capital (leverage) ratio | 12.7846% | 1,451 |
| Tier 1 risk-based capital ratio | 16.4540% | 2,451 |
| Total risk-based capital ratio | 17.7065% | 2,393 |
| Memoranda: | ||
| Average total assets | $21,364,250 | 7,812 |
| Average earning assets | $17,201,750 | 7,868 |
| Average equity | $2,811,500 | 7,716 |
| Average total loans | $16,596,500 | 7,442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9935% | 321 |
| Cost of funding earning assets | 2.6240% | 1,223 |
| Net interest margin | 4.3695% | 1,471 |
| Noninterest income to average assets | 0.0660% | 7,656 |
| Noninterest expense to average assets | 4.0336% | 1,271 |
| Loan and lease loss provision to assets | 0.0188% | 7,036 |
| Net operating income to assets | -0.3298% | 6,358 |
| Return on assets (ROA) | -0.3298% | 6,372 |
| Pretax return on assets | -0.4712% | 6,394 |
| Return on Equity (ROE) | -2.4832% | 6,296 |
| Retained earnings to average equity (ytd only) | -2.4832% | 5,860 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3684% | 788 |
| Assets per employee ($millions) | 3.0334% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 3,849 |
| Loan loss allowance to noncurrent loans | 29.2839% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 5.0108% | 1,057 |
| Noncurrent loans to loans | 4.7040% | 1,341 |
| Net loans and leases to total assets | 77.2111% | 1,909 |
| Net loans and leases to deposits | 89.1081% | 2,975 |
| Net loans and leases to core deposits | 121.4804% | 2,243 |
| Total domestic deposits to total assets | 86.6488% | 2,432 |
| Equity capital to assets | 13.2147% | 1,600 |
| Core capital (leverage) ratio | 13.2147% | 1,360 |
| Tier 1 risk-based capital ratio | 19.4268% | 1,695 |
| Total risk-based capital ratio | 20.6799% | 1,654 |
| Memoranda: | ||
| Average total assets | $21,222,000 | 7,897 |
| Average earning assets | $17,073,000 | 7,944 |
| Average equity | $2,819,000 | 7,782 |
| Average total loans | $16,466,330 | 7,515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0599% | 305 |
| Cost of funding earning assets | 2.7533% | 1,104 |
| Net interest margin | 4.3065% | 1,582 |
| Noninterest income to average assets | 0.0189% | 7,984 |
| Noninterest expense to average assets | 3.7330% | 1,591 |
| Loan and lease loss provision to assets | 0.0189% | 6,648 |
| Net operating income to assets | -0.2828% | 6,657 |
| Return on assets (ROA) | -0.2828% | 6,735 |
| Pretax return on assets | -0.2828% | 6,658 |
| Return on Equity (ROE) | -2.1235% | 6,678 |
| Retained earnings to average equity (ytd only) | -2.1235% | 6,129 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0652% | 896 |
| Assets per employee ($millions) | 3.5422% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,710 |
| Loan loss allowance to noncurrent loans | 24.1342% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 5.8909% | 692 |
| Noncurrent loans to loans | 5.6535% | 883 |
| Net loans and leases to total assets | 75.8528% | 2,299 |
| Net loans and leases to deposits | 87.8816% | 3,310 |
| Net loans and leases to core deposits | 115.6373% | 2,838 |
| Total domestic deposits to total assets | 86.3125% | 2,548 |
| Equity capital to assets | 13.2593% | 1,636 |
| Core capital (leverage) ratio | 13.2599% | 1,400 |
| Tier 1 risk-based capital ratio | 19.3664% | 1,741 |
| Total risk-based capital ratio | 20.6171% | 1,696 |
| Memoranda: | ||
| Average total assets | $21,216,000 | 7,945 |
| Average earning assets | $16,997,500 | 7,999 |
| Average equity | $2,825,500 | 7,830 |
| Average total loans | $16,387,500 | 7,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9963% | 1,138 |
| Cost of funding earning assets | 3.3171% | 876 |
| Net interest margin | 3.6793% | 4,554 |
| Noninterest income to average assets | 0.2940% | 6,359 |
| Noninterest expense to average assets | 4.0829% | 1,308 |
| Loan and lease loss provision to assets | 0.0187% | 7,150 |
| Net operating income to assets | -0.5646% | 6,973 |
| Return on assets (ROA) | -0.5646% | 6,863 |
| Pretax return on assets | -0.8212% | 6,891 |
| Return on Equity (ROE) | -4.0533% | 6,751 |
| Retained earnings to average equity (ytd only) | -4.0533% | 6,334 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8976% | 533 |
| Assets per employee ($millions) | 3.5298% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 3,474 |
| Loan loss allowance to noncurrent loans | 20.5176% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 6.6481% | 412 |
| Noncurrent loans to loans | 6.5851% | 486 |
| Net loans and leases to total assets | 76.5334% | 2,492 |
| Net loans and leases to deposits | 88.4578% | 3,726 |
| Net loans and leases to core deposits | 115.1535% | 3,225 |
| Total domestic deposits to total assets | 86.5197% | 2,162 |
| Equity capital to assets | 13.3765% | 1,639 |
| Core capital (leverage) ratio | 13.3777% | 1,421 |
| Tier 1 risk-based capital ratio | 19.1458% | 1,784 |
| Total risk-based capital ratio | 20.3960% | 1,736 |
| Memoranda: | ||
| Average total assets | $21,430,800 | 7,975 |
| Average earning assets | $17,394,800 | 8,026 |
| Average equity | $2,985,200 | 7,842 |
| Average total loans | $16,202,000 | 7,574 |